After a death, families often need the life insurance benefit to cover funeral costs, debts, and living expenses. When the insurer drags its feet without a clear reason, Texas law may offer some protection.
Texas prompt-payment rules
Chapter 542 of the Texas Insurance Code sets deadlines for insurers handling first-party claims, such as acknowledging a claim, requesting information, accepting or rejecting it, and paying. Those deadlines are measured in days and can be extended in certain circumstances. If an insurer wrongfully delays payment of a covered claim, the statute may allow interest and attorney's fees in addition to the benefit. Whether and how these rules apply depends on the type of policy and plan.
Why insurers delay
Insurers may say they are investigating, waiting on medical records, or reviewing the contestability period. Some investigations are legitimate, but a claim should not be left in limbo indefinitely.
Keep a timeline
Record every call, including the date, person, and what was said.
Follow up in writing and keep copies.
Note when you provided each document the insurer requested.
Ask the insurer in writing what specific information is still needed.
A clear paper trail helps if a delay turns into a denial. It also helps show whether the insurer acted within the deadlines.
Davila Cobos Law Firm, PLLC represents clients in San Antonio and Laredo. Learn more about our life insurance claim attorney services, or contact the firm to discuss your situation.
This article is general information, not legal advice, and reading it does not create an attorney-client relationship. Every situation is different, so talk to a Texas attorney about yours.
