[WSBAPT] denial of life ins benefit due to late notice of death

[Rod Harmon]

Life ins policy has 90 day claim period.  Beneficiary gave notice 2 years after death (fully completed claim form and certified copy of death certificate).  Insurer denied claim due to late notice.  There is a 60 day appeal period.

Is my understanding correct that noncompliance with the claim notice period is not grounds for denial of benefits unless the insurer shows actual and substantial prejudice?
And, if so, how could life insurer be prejudiced by the late notice?


Rod Harmon

RODNEY T. HARMON
       Attorney at Law
         P.O. Box 1066
      Bothell, WA   98041
     Tel:   (425) 402-7800
     Fax:  (425) 458-9096
    www.rodharmon.com<http://www.rodharmon.com>
   rodharmon at msn.com<mailto:rodharmon at msn.com>



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