D
dogchopper
Guest
I live in Georgia and I have a major mess with my husbands life insurance policy.
My husband committed suicide last month. He left me a note telling me he was sorry but he knew the life insurance would take care of me.. .. and some other things..
Well, Here is the problem. My husband started working for this company 4 yrs ago. then, a year and a half ago, the company got bought out. Durring this buy out they did not TRANSFER the insurances (life or health) but stopped them and started with a new company. Suicide laws state that you have to have had the policy for 2 yrs.
No employee got any choice to keep this policy privately (the old policy) nor did they get the choice to transfer over the policy to the new one (conversion I think its called)
So, his old insurance company (cigna) is saying they arent paying, his new company (guardian) says he wasnt with them for 2 yrs so they arent going to pay ALL of it?? they will pay the basic life part.. (some one even said something about 2 yrs salary, not including over time)
Is there anything I can do? It was not a choice of any of the employee's to convert or keep the old insurance. He was positive I'd get the full amount and I see he was wrong.
Am I just totally out of luck? or is this something that an attorney can help me with?
Nancy
My husband committed suicide last month. He left me a note telling me he was sorry but he knew the life insurance would take care of me.. .. and some other things..
Well, Here is the problem. My husband started working for this company 4 yrs ago. then, a year and a half ago, the company got bought out. Durring this buy out they did not TRANSFER the insurances (life or health) but stopped them and started with a new company. Suicide laws state that you have to have had the policy for 2 yrs.
No employee got any choice to keep this policy privately (the old policy) nor did they get the choice to transfer over the policy to the new one (conversion I think its called)
So, his old insurance company (cigna) is saying they arent paying, his new company (guardian) says he wasnt with them for 2 yrs so they arent going to pay ALL of it?? they will pay the basic life part.. (some one even said something about 2 yrs salary, not including over time)
Is there anything I can do? It was not a choice of any of the employee's to convert or keep the old insurance. He was positive I'd get the full amount and I see he was wrong.
Am I just totally out of luck? or is this something that an attorney can help me with?
Nancy