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Goodyear widow’s $50K life insurance coverage declare denied twice by insurance coverage firm

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GOODYEAR, AZ (3TV/CBS 5) — Whether or not it was {golfing} or climbing, Will Bennett cherished the outside. “He appreciated nature,” his spouse mentioned. “We traveled so much. And that’s what he needed to do in his retirement.”

Carly Bennett was married to Will for 26 years whereas the 2 labored as meals servers. “We each labored as servers just about our entire life and that is how we met in Michigan,” mentioned Carly.

Will had been working as a full-time waiter in Scottsdale, however then COVID-19 hit in 2020. Consequently, eating places throughout the nation, together with Will’s employer, shut down, stopping him from going to work. Nonetheless, Will’s employer was beneficiant sufficient to maintain paying him his 40-hour weekly wage regardless that he wasn’t working. “I imply, we each felt we have been blessed as a result of he had an excellent job,” mentioned Carly.

In response to Will’s paycheck stubs, not solely was he paid his hourly wage, however Carly says $4.75 per pay interval was additionally being paid for a $50,000 life insurance coverage coverage from an organization known as Unum Insurance coverage. However when Will died final 12 months, Carly, the coverage’s beneficiary, says the insurance coverage firm refused to pay out. Why? Properly, in response to Carly, she was informed Will was not really working, which voided the coverage.

“The insurance coverage firm is telling you that as a result of he was not ‘actively working,’ we’ll deny this coverage?” 3 On Your Aspect’s Gary Harper requested. “Sure, actively working,” she mentioned. “Performing his job responsibility though he was nonetheless employed and getting paid the entire complete time.”

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Carly appealed Unum’s choice two instances and the corporate denied her declare each instances, that means she will not be receiving the $50,000 payout. So, Carly contacted 3 On Your Aspect. “Properly, I submitted an e mail, and also you have been gracious sufficient to achieve out to me,” she mentioned.

Harper obtained a maintain of Unum and requested if they’d evaluate Carly’s declare once more to verify they reached the proper choice. The corporate investigated and denied the declare once more saying, “Beneath the clear language of the coverage, Mr. Bennett was not lined on the date of his loss of life, which occurred greater than a 12 months after he stopped working. We’ve got fastidiously reviewed this case and we stand by our choice.”

Carly says she stays pissed off and believes insurance coverage corporations are on the lookout for loopholes to not pay. “In your coronary heart and in your head, you imagine you’ve all of the paperwork and documentation, and also you should not have been turned down?” Harper requested her. “Sure, that is how I really feel,” Carly mentioned.

The insurance coverage firm didn’t give any extra particulars apart from that assertion they supplied. However printed reviews point out a rise in COVID-19 and different deaths have reduce into earnings for a lot of insurance coverage carriers.

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