Denied or Delayed SGLI Claim?


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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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Q.        Does an ex-spouse with a state-law divorce decree that obligates an insured servicemember to maintain the ex spouse as the beneficiary on his SGLI policy have a claim for the SGLI benefits after the insured’s death?

 

A.         No. A state-law divorce decree has no power to divert the proceeds of an SGLI policy away from the named beneficiary.

 

Q.        Will a community-property statute entitle a widow to one-half of SGLI proceeds?

 

A.         No. SGLI benefits will be paid to the deceased servicemember's designated beneficiary, even though state community-property statutes ordinarily entitle a widow to one-half of the decedent’s life insurance proceeds.

 

Q.        Who should receive SGLI benefits if a servicemember changed beneficiaries on his SGLI policy and named his brother despite a divorce decree requiring him to name his daughter the sole beneficiary?

 

A.         The bother should receive the SGLI benefits, because he is the designated SGLI beneficiary.

 

Q.        May a servicemember or veteran change the designated beneficiary at any time?

 

A.         Yes. A servicemember or veteran may change the designated beneficiary at any time and without the knowledge or consent of the previous beneficiary. There is an exception for cases when the previous beneficiary is the insured’s spouse and the new beneficiary is not the insured’s spouse or child. If a married servicemember adds someone other than his spouse or child as a beneficiary, then the spouse must be notified of the change.

 

Q.        The beneficiary designation form on VGLI policies asks to either name a beneficiary or write “By Law” to distribute the benefits in order of precedence.  Who Should receive SGLI benefits if an insured writes a beneficiary’s name and the words “By Law” on the beneficiary designation form?

 

A.         The beneficiary designation will control and the person whose name appears on the document will receive the proceeds of this SGLI policy.

 

Q.        Are payments of benefits due or to become due under Servicemen's Group Life Insurance or Veterans' Group Life Insurance made to a beneficiary exempt from taxation?

 

A.         Yes.

Q.        Are payments of benefits due or to become due under Servicemen's Group Life Insurance or Veterans' Group Life Insurance made to a beneficiary exempt from the claims of creditors?

 

A.         Yes.

 

Q.        Are payments of benefits due or to become due under Servicemen's Group Life Insurance or Veterans' Group Life Insurance made to a beneficiary liable to attachment, levy, or seizure by a legal process?

 

A.         No.