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Struggling To Get Your Funeral Claims Paid Out?

In times of grief, you shouldn’t be dealing with the disappointment of an insurer rejecting or delaying to pay out your claim.

Lee Bromfield, CEO of FNB Life, says you need access to cash within 24 hours from the time of death to make the necessary arrangements to give your loved ones a dignified funeral. A quick payout from your insurer is an absolute necessity. Instead of being caught off guard when tragedy strikes, Bromfield advises you to familiarise yourself with the claims process, policy documents and your rights.

Submit the correct documentation on time

Many claims are delayed because consumers often fail to submit the certified claim form, notice of death form, death certificate and a copy of the deceased’s ID document on time.

Correct beneficiary details

Equally as important as submitting the correct documentation timeously, claims cannot be process and paid out if the beneficiary details are incorrect and they are not aware of the policy. 

Beware of unscrupulous insurers

Always do a background check before taking up an insurance policy to ensure that the company is legitimate and is underwritten by a registered long-term insurance company. This will help you avoid any surprises when you or your loved ones claim. 

Know your rights

When an insurer rejects your claim, you have the right to object in writing. If the complaint is still unresolved and you are not satisfied with the outcome, you can approach the Long-term Insurance Ombudsman for assistance. Make it a priority to read and understand the terms and conditions of your policy and establish if there are any violations and exclusions that may prevent your claims from being paid out.

Source: FNB. Image: Pixabay

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