Bill M. worked for a large industrial company until he became disabled in 2005. When Bill’s illness became so severe that he began to become concerned that he may not live much longer, he called his employer’s benefits center in April of 2018 to confirm that he was still covered for $226,000 in group life insurance provided by the employer in order to ensure that his wife Diana would be financially protected if he passed away. The benefits center provided written confirmation that Bill was still covered for $226,000 of group life insurance. The next month, Bill passed away and Diana contacted the employer’s benefits center to file a claim for the $226,000 in life insurance benefits under the group life insurance policy.
Unfortunately, although the employer’s benefits center promised Diana that it was processing her claim through their insurance department, months and months went by without any action on her life insurance claim. After several months and dozens of phone calls to the employee benefits center without receiving payment of her life insurance proceeds, Diana contacted O’Ryan Law Firm to help her pursue payment of her husband’s life insurance benefits.
After thoroughly reviewing Diana’s claim, O’Ryan Law Firm filed a lawsuit in the United States District Court for the Southern District of Indiana seeking to force the employer to pay the life insurance proceeds. The employer contended that Bill’s life insurance coverage ended when he stopped receiving long term disability (“LTD”) benefits under the employer’s group LTD policy. Diana’s attorneys at O’Ryan Law Firm requested and obtained documents from the employer that provided evidence as to why Bill’s LTD benefits had been terminated and why the employer had represented that Bill was still covered under its group life insurance policy as of April of 2018.