Who is an examiner? Can you tell me how the examiner do with the death cliam?

Question

I would like to know what's the proof of death that the examiner need to investigate the claim for natural death in the hospital from illness and how long to render a determination ?

Answer 1

An "examiner" is another term for claims representative. Typically, claims examiners review claims that are complex, such as life or disabililty claims.

Typically, proof of loss for a life insurance claim consists of the Death Certificate. The company will also require that you complete at least one claim form.

If the life insurance policy was effective for more than 2 years before the insured died, then the claim should be paid soon after receipt, unless the death was under suspicious circumstances, such as murder or an unknown cause of death. Most routine life insurance claims are paid in less than 30 days from the date the insurer receives all needed documentation.

If the policy was effective less than two years before the insured died, the insurance company must look into the person's health history to ensure they were given all details on the application. If a material misrepresentation was made, the insurer can "rescind" the policy, a legal term that makes it as if the policy was never issued. In that event, the insurer must refund all premiums paid.

I hope this helps.

Answer 2

Proof of death is a certified copy of a death certificate.

Investigating the claim would include looking at medical records, to see if there was an undisclosed pre-diagnosed illness, if the life insurance policy is still in the contestable stage (first 2 to 5 years, depending on state).

The time period is largely related to how long it takes to get the medical records - it can take MONTHS to get those.

Answer 3

The death certificate. I'm not sure how long it takes for the insurance company to render a claim. It depends on how efficient your insurance company is.