Life Insurance Claim Delayed Attorney | Payment Taking Too Long?
If your life insurance claim has been delayed for weeks or months, you are not being unreasonable.
You are being stalled.
Insurance companies often delay payment hoping families will wait quietly, accept excuses, or eventually give up.
If your claim has not been paid — and you are getting vague explanations — it may be time to speak with an attorney.
Call 1-888-510-2212 for a free consultation with our life insurance attorney now.
How Long Is Too Long?
While insurers are allowed reasonable time to investigate, red flags include:
No decision after 60–90 days
Repeated requests for the same documents
“Ongoing investigation” with no timeline
Silence from the adjuster
Blame shifting between employer and insurer
Approval language without payment
At some point, delay stops being administrative — and starts becoming strategic.
Why Life Insurance Companies Delay Claims
Delay is often used to:
Reduce pressure to pay
Search for a denial basis
Wait for deadlines to pass
Discourage beneficiaries
Avoid paying interest or penalties
Families are told to “be patient.”
The company is often buying time.
Employer Group Life Insurance Delays (ERISA Cases)
If the policy was provided through an employer, federal ERISA rules likely apply.
Common ERISA delay tactics include:
Missing enrollment disputes
Payroll deduction issues
Claim file incompleteness
“Administrative review” extensions
ERISA cases are procedural.
Missed appeal steps can permanently harm your rights.
Early legal review matters.
When Delay Becomes Bad Faith
A delay may cross into bad faith when the insurer:
Fails to complete a timely investigation
Ignores clear coverage evidence
Requests irrelevant documentation
Delays payment after approval
Withholds benefit payments without explanation
Bad faith exposure can increase the pressure on insurers to resolve claims.
What a Delayed Claim Attorney Does
Depending on your situation, we may:
Demand the full claim file
Assess compliance with policy timelines
Identify improper investigation practices
Issue formal legal demands
File structured administrative appeals
Pursue litigation when necessary
Insurance companies expect many families to wait.
We do not.
Acting Early Protects Your Position
Delay often runs out:
Appeal deadlines
Evidence preservation windows
Leverage
The sooner your case is reviewed, the more options remain available.
Call 1-888-510-2212 for a free consultation with our life insurance attorney now.
Free Case Evaluation
If your life insurance claim has been delayed:
We review your policy and correspondence
Identify applicable deadlines
Assess whether the delay is improper
Explain your next steps clearly
No obligation. No pressure.
Just answers.
Frequently Asked Questions
How long can a life insurance company delay payment?
Insurers must investigate within a reasonable time. Extended, unexplained delays may violate policy obligations or governing law.
Is delay the same as denial?
No — but delay can be just as damaging. Some insurers delay instead of denying to avoid triggering appeal rights or legal action.
Should I keep calling the insurance company?
Repeated calls often do not accelerate payment and may create recorded statements. Strategic review is typically more effective.
Can I sue for delay?
In some cases, yes. Depending on the policy and governing law, improper delay may lead to penalties or additional remedies.
Is the free case evaluation really free?
Yes. We assess your delayed claim, deadlines, and options with no obligation.
Don’t Let Delay Turn Into Lost Rights
If your life insurance claim is stalled, clarity matters.