A client’s spouse recently died of an accident while living in a foreign country. This person was insured under an employer sponsored accidental death policy. This person was in his 50′s and had no issues with health. Accidentally falling down, this person hit their head and died within hours. Because of the circumstances of the foreign country, no medical exam or autopsy were performed and the body was subsequently embalmed as a requirement by the United States government to re-enter the country.

A claim was submitted under the AD&D policy. The decision of the insurer, in this case Prudential Insurance Company, was that the accident could not be validated medically and therefore they did not believe it was an accident. Talk about burden of proof! Prudential identified the fact that because of the embalming, a cause of death could never be medically determined. They took advantage of this and denied the claim.

Of course the denial is being disputed in court and ultimately there will be a settlement offer, but what a dirty game Prudential played with this poor family.

Other helpful links:

http://www.FindLostLifeInsurancePolicy.com

http://www.i-newswire.com/find-any-lost-life-insurance-policy/39918