You Expected FEGLI to Provide for Your Family – But Now Your Claim Has Been Denied
Losing a loved one is devastating. In the midst of grief, you now face an unexpected challenge – your Federal Employee’s Group Life Insurance (FEGLI) claim has been denied.
What do you do next?
It feels unjust. It’s overwhelming. You’re unsure where to turn or how to fight back. That’s exactly what the insurance company – or even a competing beneficiary – wants. They’re counting on you to be too exhausted and discouraged to keep going.
But you don’t have to face this battle alone.
As an attorney experienced in FEGLI claims, I help families and beneficiaries navigate denied claims and fight for the benefits they deserve. With a strong track record in Federal Employee Life Insurance cases, I’ve successfully advocated for families like yours – and I’m ready to do the same for you.
Understanding FEGLI and Why Your Claim Was Denied
The Federal Employees’ Group Life Insurance (FEGLI) program provides life insurance coverage to federal employees and retirees. Created in 1954, it’s the largest group life insurance program in the world, covering millions of federal employees, retirees, and their families.
The program includes:
- Basic Insurance – Automatically provided to most federal employees, equal to their annual basic pay (rounded up) plus $2,000.
- Optional Insurance:
- Option A – Additional $10,000 in coverage.
- Option B – Coverage up to five times an employee’s annual salary.
- Option C – Coverage for spouses and dependent children.
Unfortunately, while FEGLI exists to provide financial security, claims can be delayed, disputed, or denied due to bureaucratic hurdles, miscommunications, or technicalities.
Common Reasons for FEGLI Denials
- Beneficiary Disputes – Conflicts between family members or changes in beneficiaries that were not updated properly can lead to claims being contested. This often takes place after a divorce or new marriage if the spouse is not the named beneficiary.
- Incorrect or Missing Paperwork – A simple administrative error can delay or completely derail a claim.
- Alleged Misrepresentation – If the Office of Personnel Management (OPM) or the insurance provider claims there was inaccurate information on the policy application, they may use this as grounds for denial.
- Policy Lapses or Premium Non-Payment – If premiums were not properly deducted from a retiree’s annuity, coverage may have lapsed without the insured even realizing it.
- Disputed Cause of Death – If a death is ruled as self-inflicted, an insurer may deny a claim under the policy’s exclusions.
- Accidental Death & Dismemberment Disputes – If a policy includes Accidental Death and Dismemberment (AD&D) coverage, insurers may dispute whether the death qualifies under the policy’s terms. They might argue that an exclusion applies, such as intoxication, or claim that the death was due to “natural causes” like illness or disease—when in reality, it was an accident.
If your claim has been denied for any of these reasons, you’re not alone—unfortunately, it happens all too often. The good news? Denials can often be challenged and overturned, but to do so, you need an experienced attorney on your side.
How We Fight for Your FEGLI Benefits
FEGLI claims can be complex, but you don’t have to navigate the appeals process alone. We provide dedicated, experienced, and compassionate legal representation to help clients challenge denied claims and recover the benefits they deserve.
Here’s how we can help:
1. A Deep Understanding of FEGLI Policies & Regulations
Not all attorneys understand the intricacies of FEGLI policies and Federal Employee Life Insurance claims. With years of experience handling FEGLI denials, we know how to navigate the system effectively to maximize your chances of success.
2. Investigation & Case Analysis
We carefully examine your policy documents, beneficiary designations, correspondence, and claim denial notices to identify the exact reasons for denial and build a strong case on your behalf.
3. Preparing a Strong Appeal
A denied claim doesn’t mean the end of the road. Many denials are wrongfully issued due to errors or misinterpretations. We build a comprehensive, evidence-backed appeal to challenge the denial and demonstrate why the claim should be paid.
4. Negotiating with the Insurance Provider & OPM
We handle all communications with the insurance provider and the Office of Personnel Management (OPM), relieving you of the stress and frustration that comes with bureaucratic obstacles.
5. Pursuing Legal Action When Necessary
If an insurer refuses to honor a valid claim, we are prepared to take legal action and fight for your rights in court.
Why Choose Us?
When you work with us, you’re getting more than just legal representation—you’re getting an advocate who genuinely cares about helping you. Here’s what sets ERISA Insurance Claim Attorneys apart:
- Unmatched Experience in FEGLI Claims – We have successfully handled numerous FEGLI claims, appeals, and disputes, giving us deep insight into the process.
- Proven Track Record of Success – We’ve helped families recover millions of dollars in wrongfully denied life insurance benefits.
- Compassionate & Empathetic Support – We know how overwhelming this process can be, and we’re here to make it as smooth as possible for you.
- Honest, Transparent Communication – We provide straightforward guidance and keep you informed at every stage of the process.
- No Upfront Fees – We work on a contingency basis, meaning you don’t pay unless we win your case.
Call us for a Free FEGLI Claim Consultation
A denied FEGLI claim doesn’t mean you have to give up. You have the right to fight back.
If your claim was denied or delayed, don’t wait. The sooner we start working on your appeal, the better your chances of success.
Call today for a free consultation. We’ll review your claim, explain your legal options, and develop the best strategy to secure the benefits you deserve.
Let us handle the legal battle so you can focus on what truly matters—honoring your loved one’s legacy and moving forward with financial peace of mind.