The first thing you should do if your life insurance claim is denied is contact your attorney. Your attorney can file an appeal on your behalf. Understanding how to file an appeal is important if you plan to do it yourself. Also, it’s important to know what the work entails, in case you want to file yourself.
Find out the Policy on Appeals
Your denial letter should include information on how to file an appeal. If you still have questions, you can contact your insurance company by phone or in writing about the appeals process. Ask them to respond in writing by resending the denial letter or some other written document on the appeals process. There's usually a time restriction in terms of how long you have to file an appeal, so get that information as quickly as possible.
Gather and Submit Supporting Documents
Your denial letter should state why your life insurance claim was denied. Your job now is to provide additional or clarifying information and documents to get that denial overturned. It's important to be as detailed as possible and focus on the reason for the denial, rather than just resubmitting miscellaneous information.
Once you file a life insurance claim appeal, you should follow up periodically to get a status report. Ask if any additional information is required and submit anything else the person handling your appeal needs.