Ohio residents and their loved ones are facing a growing problem of insurance misrepresentation, with policyholders being denied claims for allegedly lying on their application at the time they purchased their insurance policy.

These insurance misrepresentation denials have already spurred a class action investigation and several lawsuits filed by Ohio residents or their loved ones who were denied insurance coverage allegedly due to misrepresentations on their applications.

Plaintiff Camille A. recently filed a wrongful claim denial lawsuit against Lincoln National Life. Camille filed her claim soon after the death of her late mother Mary P. Camille alleges the insurance company failed to pay Camille the money that was supposed to be provided through Mary’s life insurance policy.

According to the insurance misrepresentation lawsuit, Mary had signed up for a universal life insurance policy from Lincoln National on June 3, 2016 and listed Camille as the primary beneficiary in case of her death. According to Mary’s policy’s death benefit, Camille was supposed to receive $1,000,000 after she died.

Mary died on Jan. 7, 2018. Camille alleges she filed a life insurance claim with Lincoln to pay the death benefit. She says she later received a claim denial letter date May 1, 2018 that stated Mary had made insurance misrepresentation statements in her application.

The claim denial letter alleged that the insurance misrepresentation facts were made by Mary in her initial application when she signed up for the life insurance policy. Lincoln argued that this alleged misrepresentation voids the insurance policy.

Camille contests these allegations, stating that Mary made no insurance misrepresentation and that Lincoln did not have the right to void the insurance policy. Camille alleges that Lincoln breached their contract with the claimant and her mother, and that she is entitled to the death benefit from Mary’s life insurance policy.

Due to Lincoln’s alleged breach of contract and bad faith practices, Camille says she was deprived of her mother’s life insurance benefits even though her mother wanted her to be the beneficiary. Camille is seeking an award of all relevant damages and legal fees.

Camille is just one of many people who have suffered the recent trend of insurance claim denials from Ohio, with the insurance companies alleging the policyholders had given insurance misrepresentation facts on their applications.

Overview of Insurance Misrepresentation Allegations

This trend has been allegedly occurring in multiple kinds of insurance, and has been causing trouble for many policyholders.

Consumers affected by an insurance misrepresentation denial are encouraged to keep all relevant documentation pertaining to their insurance policies, to ensure there are no contradictions or changes to their policies without notification. Other documents they should keep could also include payments, benefits, and eligibility requirements that clearly spell out the conditions in which the policyholder can receive benefits.

Furthermore, these documents can help prove a claim of bad faith insurance practices, which occurs when the insurance company does not uphold its obligations to its policyholders. Ohio residents and their loved ones may be able to file legal action for various damages, including all missing payments that were supposed to be paid out through the insurance policy.

This Claim Denial Lawsuit is Case No. 3:18-cv-00301-TMR, in the United States District Court of the Southern District of Ohio, Western Division.