Should and will the insurance company pay a claim for an accidental suicide?

[Tahoe Ray]

If you take your own life by accident is it suicide?

What about a drug overdose?

Yeah, if you take 50 pills it's going to look intentional but what if you used a recreational drug that was laced w/ fentanyl unbeknownst to the user?

 

[titeye]

....but what if you used a recreational drug that was laced w/ fentanyl unbeknownst to the user?

LOL Seems that be worse, when trying to submit a claim. What recreational drug is legal? Death resulting from committing an illegal act is cause for denial, so I thought with a lot of carriers we sell. However, as previous stated, rules on employer sponsored coverage may differ.

 

[Tahoe Ray]

LOL Seems that be worse, when trying to submit a claim. What recreational drug is legal? Death resulting from committing an illegal act is cause for denial, so I thought with a lot of carriers we sell. However, as previous stated, rules on employer sponsored coverage may differ.

There is nothing worse than Tik Tok.

 

[Life Hawk]

I'm sure the death cert. will be the judge in this case.

Funny how the guy/gal know one wants to have come to their house (coroner) can play such a powerful role in our business.

 

[adjusterjack]

I am not a 100% sure but I believe there is no suicide clause on a group owned policy.

If you have group life insurance I suggest you read the policy.

I have a sample group life policy in my reference material that does have the two year suicide exclusion along with the usual two year contestability provision.

 

[toolbelt]

They will have to determine what the will of the victim was, based on any evidence they find. The victim's family may need a lawyer to help them prove it was death by misadventure as the cops aren't likely to dig too deep on this one.

 

[Lloyds of Lubbock]

"If you have group life insurance I suggest you read the policy."
This gives you your answer.
From what I remember from my group selling days is that the insured does not get a policy, they get a certificate of insurance.
I assume you have a master policy where the exclusion is indicated.
I have not sold a group case in over 20 years so I did a search.
It will be interesting to see how this plays out.

 

[adjusterjack]

From what I remember from my group selling days is that the insured does not get a policy, they get a certificate of insurance.

Now that you mention it I don't recall every getting a policy as an employee. Not sure I even got a certificate, just a memo listing my employee benefits.

 

[WinoBlues]

Accidental Suicide?

Can Suicide be Accidental?

 

[jdeasy]

Accidental Suicide?

Can Suicide be Accidental?

What a conundrum!!