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Featured Settlement

Our firm recovered $400,000 for an SGLI beneficiary whose claim was denied by the insurance company based on an alleged failure of an insured servicemember to pay premiums on his SGLI policy. Our SGLI attorneys fought relentlessly for the beneficiary’s right to receive the denied SGLI benefits.

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SGLI, or Servicemembers’ Group Life Insurance, is life insurance coverage that is offered to servicemembers on active duty, in training programs and in some cases, on reserve. Not all servicemembers automatically receive SGLI coverage. To be eligible for SGLI, a servicemember must meet certain eligibility requirements. The SGLI eligibility guidelines can be found on www.benefits.va.gov/insurance/sgli. The standard amount of coverage on an SGLI policy is $400,000, but this amount may be decreased if a member elects to do so. The maximum coverage is automatic and is offered for a low premium. The monthly life insurance premium a servicemember will pay for his/her SGLI coverage will depend on the amount of insurance elected. 

 

SGLI coverage remains active as long as the servicemember remains eligible and as long as premiums are paid. SGLI will terminate if the insured servicemember separates or is released from all duty or the obligation to perform duty in a uniformed service. SGLI will also terminate if the member re-enters on duty in another uniformed service or if the member re-enters on duty in the same uniformed service more than one calendar day after he separated or was released from all duty in that uniformed service. 

Upon the insured’s death, SGLI benefits are usually paid to the beneficiaries designated on the Beneficiary Form. A servicemember can choose anyone to receive his or her SGLI life insurance benefits. In most cases, the insurance company will honor this election in spite of competing claims, beneficiary disputes and other legal challenges in regard to the payout. If no beneficiaries are elected, the insurance company is obligated to pay the SGLI benefits in the order of precedence:

 

a. The surviving spouse of the member; if none,

b. The child or children of the member, in equal shares, with the share of any deceased children to be distributed among the descendants of that child; if none,

c. The parents in equal shares or all to the surviving parent; if none,

d. A duly appointed executor or administrator of the insured's estate; if none,

e. Other next of kin.

 

Usually, the insurance company and the Department of Defense process beneficiary changes without notifying prior beneficiaries. However, in some cases, the insured’s spouse must be notified if the insured changes beneficiaries and removes the spouse or the spouse and the children from the policy. If the insurance company denied your SGLI claim, it will send you a detailed explanation of the reasons for denial. The denial letter will also outline the procedure for an appeal. In order to file a successful appeal of denied SGLI benefits, it is best to work with an experienced SGLI attorney. Due to the complexity of the SGLI laws, a denied SGLI claim should never be handled without the assistance of an SGLI lawyer.

 

At our law firm, our SGLI attorneys work relentlessly on helping beneficiaries collect denied SGLI claims. We offer experience, professionalism and dedication to bringing you the results you are looking for. If your SGLI claim has been denied, call us for help. Call (888) 510-2212 for a free SGLI consultation.

 

Call (888) 510-2212 for a free SGLI consultation.