After the passing of a loved one, life insurance benefits can provide much-needed financial support. However, many beneficiaries wonder how long they have to file a claim and how soon they can expect a payout.

In Florida, the timeframe for claiming life insurance benefits varies based on policy terms, the efficiency of the insurance company, and any potential disputes. Understanding the process and your legal rights can help ensure you receive the benefits you are entitled to.

If you are facing delays or complications in filing a life insurance claim, the Law Offices of Jason Turchin can help. Call 800-337-7755 for a free consultation.

How Long Do You Have to File a Life Insurance Claim in Florida?

Florida law does not set a strict deadline for filing a life insurance claim. However, most insurance companies encourage beneficiaries to file within one to two years after the policyholder’s death. Waiting too long could complicate the claims process, especially if documents become harder to obtain.

Statute of Limitations for Life Insurance Claims

In Florida, the statute of limitations for filing a lawsuit over an unpaid life insurance claim is five years from the date of death. If a claim is denied or delayed, beneficiaries have up to five years to take legal action against the insurer.

How Soon After Death Can You File a Life Insurance Claim?

Beneficiaries can typically file a life insurance claim as soon as they receive an official death certificate. In Florida, it may take anywhere from one to four weeks to obtain a death certificate, depending on the circumstances of the death.

Steps to File a Life Insurance Claim

To ensure a smooth claims process, follow these steps:

• Obtain the Death Certificate: Request copies from the funeral home or the Florida Department of Health.
• Locate the Policy: Check financial records, safe deposit boxes, or contact the employer if it was a workplace policy.
• Complete the Claim Form: Fill out the insurance company’s required forms, providing all necessary details.
• Submit Required Documents: Provide the completed claim form, a certified copy of the death certificate, and any other requested paperwork.
• Follow Up with the Insurance Company: Contact the insurer regularly to check the status of your claim.

How Long Does It Take to Receive a Life Insurance Payout?

Most life insurance companies process claims within 30 to 60 days after receiving all required documents. However, some claims may take longer due to investigations, disputes, or missing paperwork.

Factors That Can Delay a Life Insurance Payout

• Contestability Period: If the policyholder passed away within the first two years of the policy, the insurer may conduct an in-depth review.
• Cause of Death Investigation: Deaths involving accidents, suicide, or foul play may lead to additional investigations.
• Missing or Incorrect Documents: Incomplete paperwork can slow down the process.
• Beneficiary Disputes: If multiple people claim benefits or there is a legal challenge, the payout may be delayed.

Can a Life Insurance Claim Be Denied in Florida?

Yes. Life insurance companies may deny claims for several reasons, including:

• Non-Payment of Premiums: If the policy lapsed due to missed payments.
• Misrepresentation: If the insurer claims the policyholder provided false information on the application.
• Policy Exclusions: Some policies do not cover specific causes of death, such as suicide within the first two years.

If your claim has been denied, an attorney can review your case and help appeal the decision.

FAQs

Contact a Florida Life Insurance Lawyer for Help with Your Claim

Filing a life insurance claim can be a complex process, but you don’t have to do it alone. The Law Offices of Jason Turchin can help you navigate claim delays, disputes, and denials.

Call 800-337-7755 today for a free consultation. You won’t pay any fees or costs unless we win or settle your case.