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Ten FAQ’s About Medical Authorization Forms
and Your Life Insurance Claim

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1.   Why did the life insurance company send me a medical authorization form?

The life insurance company wants to deny your life insurance claim.  The strongest way they have to avoid paying the claim, is to show a misrepresentation on the application.  The most common kind of misrepresentation is about some medical history.  Of course, everyone’s medical history is unique, and not every inaccuracy is a misrepresentation.  But the life insurance company doesn’t want to pay, and finding something different in the medical files is their favorite way to try to argue the insurance application had a misrepresentation.

2. Do I have to sign this medical authorization form?

This is a balance and decision that we will help you make on your claim.  If you are not the owner, just a beneficiary, there may be different obligations of cooperation.  If you are not the spouse, there are some additional rights.  If you are the spouse, there may be your own issues of medical privacy.  The life insurance company won’t give you legal advice–they will just tell you to sign it.  We will give you legal advice you can count on.

3. What is the life insurance company trying to investigate?

The life insurance company asks many complicated medical questions on the application.  The life insurance company rarely goes out to get all the medical records when it just has an application.  That costs money.  But if the loved one passes away in the first two years of a policy being sold, the life insurance company will seek to rescind the policy, to argue rescission.  The life insurance company is looking for a medical misrepresentation on the application, something that isn’t truthful.  These questions can become very complicated.

4. Can the life insurance company get the medical records without a signed authorization?

Sometimes.  The life insurance company can sometimes tell beneficiaries that they have to go to Court to get Estate authority to sign the medical records authorizations.  Sometimes the life insurance companies will even ask other beneficiaries to sign the forms.

5. Is the medical records authorization form even legal?

It may not be legal.  We have seen life insurance companies demand authorizations that were not fully compliant with state law, and with the Federal HIPPA law and regulations.  There are records that these companies seek that may not even be medical records.

6. Why Does the Life Insurance Company Say I have to Go to Probate Court if I’m Only the Beneficiary and Can’t Sign the Authorization Form?

When life insurance companies don’t want to pay your claim, they really don’t want to pay.  They will look for any reason that sort of fits to avoid paying.  To life insurance companies, the strongest reasons to not pay is because of medical history misrepresentation.  To prove the misrepresentation, the life insurance company is simply determined to get those medical records.  We have had many clients explain to us how surprised that they were that the life insurance company told them to go to Probate Court, just to get the medical authorizations signed.  With us as your lawyers, we will fight this hard.

7.   If I Sign the Form, I am Worried About My Privacy, Do I Still Have to Sign?

If you are concerned about signing the form, talk with us.  The specifics matter a lot.  If there are medical records that are “sensitive” we can help.  If there is information in the records about other people–such as you–we can help.  Nobody has to give up all their privacy, or dignity, because a life insurance company is looking for a way to not pay a claim.

8.  Will the Life Insurance Company Show Me the Medical Records?

Sometimes, no, the life insurance company will refuse to even provide a copy of the medical records to you, while at the same time, the life insurance company told you that you had to sign the authorization.  The life insurance company is trying to not pay your claim–don’t expect them to be the same nice company they were when they were selling you the life insurance policy.

9. What if I Sign the Authorization, and All the Records Support My Claim?

The life insurance company is trying really hard to not pay your claim.  Most life insurance company personnel do not believe that a person can pass away with a life insurance policy that is less than two years old, without some kind of medical misrepresentation on the application.  So, the life insurance company claims managers will either make mistakes about what the records actually show, exaggerate what the records contain, or just not understand a medical term or test.  When the life insurance company asks for a medical authorization, they are trying to not pay the life insurance claim.

10.   Why Won’t the Life Insurance Company Just Pay My Claim?

We agree; that is the question we push back on the life insurance company.  The loved one has passed away.  The policy was paid.   Time for the life insurance company to live up to its promises.  That is what we are here to do, NOW.

We have done this a lot.  We take the time to know you and your case.  We start working for you NOW.  We communicate with you, respond to your calls, are available to you.  We focus on how to win your case.  If you have a problem getting your life insurance claim paid, rescission, beneficiary disputes, or your policy has been cancelled or has other issues on it, you need to contact Life Insurance Lawyer NOW.com or life insurance justice.com.  Use the form on our site, or email us, or call (888) 997-4070 or (818) 937-0937 to speak directly to an experienced life insurance lawyer.   We are the best life insurance lawyers around, and we are real lawyers, not a lawyer referral service or “middleman”, and we are nice to work with, too; we are here for you NOW.

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"After my father died, the insurance company said there problems with the application, and they would not pay." I hired the lawyers at Make Your Life Insurance Pay and they sued the insurance company. They showed there were no problems. The judge agreed, and we finally got what we deserved. Very fair. Thank you again."

"After my father died, the insurance company said there problems with the application, and they would not pay." I hired the lawyers at Make Your Life Insurance Pay and they sued the insurance company. They showed there were no problems. The judge agreed, and we finally got what we deserved. Very fair. Thank you again."