When a big insurance company changes the rules after a claim is activated, juries can step in to resolve the situation and hold insurers accountable.
That’s what happened with Vaneza Ramos, an Omaha, Nebraska widow. Her legal battle is against Farmers New World Life Insurance, and it’s over a life insurance claim filed after Ramos’ husband, Jose Gaytan, a local ice cream shop owner, passed away in May 2020 due to Covid-19.
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The couple had a $350,000 life insurance policy that covered Gaytan’s death and had paid $17,360 into the policy before he passed away at 55, according to The Nebraska Examiner.
Ramos filed the claim, but Farmers rejected it, noting that Gaytan had a history of heart disease. The insurer claimed the family didn’t disclose it in the policy application.
The heart attack was disclosed
Gaytan did suffer a heart attack a few months before signing the life insurance policy. Still, Ramos’ legal team argued that the insurance agent who approached Gaytan was aware of his heart condition and that it was disclosed, including his prescription medication, on the policy application. Farmers also ran a medical history test included in the application, and the company knew the results…