Amazon Life Insurance Claim
The information below describes the general provisions of life insurance offered to Amazon employees. Upon the death of an Amazon employee the Basic Term will be paid automatically. However, the Supplemental Plan and the Accidental Death plans will not.
If you’re the beneficiary of an Amazon Supplemental Life or Accidental Death policy your claim will be investigated and may be denied. Contact us for help. We get claims paid for our clients.
Many life insurers make a habit of denying life insurance claims without having all the facts they need to make an informed decision. If you’re a victim of an unfair claim denial contact us to get your claim paid.
THE CENTER FOR LIFE INSURANCE DISPUTES
#1 firm in US for recovering denied life insurance claims.
We accept claims in all US states.
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What Life Insurance is Available to Amazon Employees?
Amazon offers Group term life and Accidental death and dismemberment coverage to its employees and the employees of its subsidiaries.
This is Amazon life insurance claim resource can answer many of your claim questions.
The Amazon and Subsidiaries Group Term Life and AD&D Insurance Plan (the Plan) is an employee benefit plan that offers life insurance as well as accident insurance coverage to eligible associates and their eligible dependents.
The life insurance portion of Amazon’s employee benefits package offers two selections. One is paid by Amazon, known as Basic Term Life. The second is paid by the employee, known as Supplemental Term Life.
The Center for Life Insurance Disputes represents beneficiaries of life insurance claims. If you need help, call us now: 1-888-428-4868.
If you have a Basic Term Life claim, you should file immediately. If you have a Supplemental Life claim you should contact us immediately before you file your claim. When you file your claim it will be inspected with a lot of scrutiny by the insurance company looking for reasons to deny the benefits and just because the policy was issued through Amazon doesn’t mean the claim will be approved.
The insurance company will use the same challenge (contestability) provision for your claim that it uses for all claims. This means, if they find information in the insured’s background, especially medical and legal, that weren’t admitted on the application, they will deny the claim. We make sure that doesn’t happen.
Our team will work for you to assure your claim gets paid. We’ll write the Claim Explanation, review the application, inspect the policy, investigate the background information, and file the claim with everything in order that you’ll need to avoid a denial and you’ll have your money quickly.
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Questions and Answers for Amazon Life Insurance Claims.
Is Basic Term life insurance different than Supplemental life insurance?
Yes, here’s how they’re different.
Basic Term: Each eligible employee receives 2 times his/her salary as a death benefit. $500,000 is the maximum death benefit. There’s no cash value. Amazon pays one-hundred percent of the premiums. There’s no qualification, it’s automatically guaranteed coverage regardless of health history.
Supplemental Life: Each eligible employee can choose between 1 and 10 times their salary as a death benefit. The maximum death benefit is $2 million. All policies are term insurance and have no cash value. Each employee completes an application before being approved for coverage. This coverage is subject to investigation and can be denied, under contestability provisions, in the event of a death.
Why would your Amazon Life Insurance claim get denied?
Some of the more common reasons a life insurance claim can be denied are Suicide, Overdose, DUI, or drunk driving? But it’s not the cause of death that may lead to a claim denial, it’s the application the employee completed when they signed up for the coverage that leads to many denials.
The insurance company will go back, prior to the application and get medical records, legal records, income information, and anything else it believes is relevant to the claim. They’ll scrutinize this information for any omission on the application. So, even if the insured died of cancer, if they didn’t disclose treatments for alcohol abuse on the application, the claim can be denied. The cause of death is not always the reason a claim gets denied.
If you have an Amazon Supplemental Life claim, call us now, before you file the claim, to be sure your claim isn’t denied.
If the death was an accident am I entitled to a double benefit?
Amazon offers both; automatic and Supplemental Accidental Death and Dismemberment coverage. There are several ways in which someone is eligible for benefits from this coverage. One way is when the insured’s death is caused by an accident. The second way is from the loss of limb, sight, speech, hearing or paralysis due to an accident. In other words, you don’t have to die to receive claim money.
Coverage is automatic under the Basic Term life policy. And, additional coverage can be added under the Supplemental Accidental Death & Dismemberment policy. AD&D coverage under the Basic Term life plan provides the same amount of benefit as the employee’s Basic Term policy. Employees must enroll in the Supplemental AD&D coverage and the benefits vary from 1 to 10 times the employee’s salary. The maximum benefit is $2 million.
Before a benefit is paid the insurer will cross-check the cause of the death against a list of exclusions. Exclusions are factors that are related to the death but are not covered even if the cause of the death is an accident.
If you have Accidental Death and Dismemberment coverage with Amazon we strongly recommend you consult with us prior to filing any claim as these claims can be very difficult to collect.
What if the beneficiary is divorced? What if the beneficiary is an ex-spouse? What if I wasn’t married to the insured?
If your claim is being challenged because of the beneficiary designation, call us now for help.
What if there is no beneficiary?
If no beneficiary is named, payment will be made to your surviving family member(s) in the following order: 1. Widow or widower or partner of the deceased; if not surviving, then 2. Children in equal shares; if not surviving, then 3. Parents in equal shares; if not surviving, then 4. Siblings in equal shares; if not surviving, then 5. Executor or administrator of your estate.
If your life insurance claim has no designated beneficiary, call us now for help.
Life Insurance Claim forms.
To file a claim for any Amazon Life Insurance coverage, claim forms must be submitted along with a Final Death Certificate. Claim forms can be obtained from Securian Life Insurance Group Claims.
What if your Amazon life insurance claim is denied?
If your life insurance claim is denied contact us immediately for representation. Do not call Securian Life and make a verbal complaint. Under Federal Laws, which apply to this life insurance, you’re allowed one Appeal to a claim denial and a telephone call, depending on the conversation, can be considered your Appeal.
Instead of calling the insurer, or Amazon, or your state’s Department of Insurance, call us for a free consultation so we can write your Appeal in a way that will get the denial over-turned and your claim paid. We’ve recovered over sixty-million dollars from denied life insurance claims. We know how to get claims paid.
**Our clients don’t pay any retainers. We operate on a pay-for-performance basis. We get paid when you receive your claim money.
How long does it take to receive my Amazon life insurance claim?
Your Basic Term Life, paid by Amazon, should pay the benefit immediately upon receipt of the Claim form and a Final Death Certificate.
Your Supplemental Term Life plan should pay out within 30 days of receipt of the Claim form and a Final Death Certificate. If more than 30 days have passed since the insurer received your claim papers and you still haven’t received your money, call us now for help.
I live in another state, does that matter?
No. Regardless of if you live in Washington, Texas, California, New York, Florida, Arkansas or any other state your life insurance claim will be treated the same way. Amazon employee life insurance is governed by Federal laws, also referred to as ERISA laws, and any claim will be treated as such.
Who is the insurance company for Amazon life insurance?
Company Paid = Prudential Life Insurance Company. Optional = Prudential Life Insurance Company.
Prudential Financial
751 Broad Street Prudential Plaza
Newark, NJ 07102
Who is the plan sponsor/administrator for Amazon’s Life Insurance?
How to Appeal a Denied Life Insurance Claim
