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I am sorry for your loss. Who is the executor of her estate?
Did you see my questions?
But have you been appointed as administrator by the court?
Are you alleging that she would have had benefits and with those benefits would have been life insurance that came automatically and was for free?
Yes that is clear.
The reason why the insurance company cannot provide you with details is that you have no legal right to them. Only the administrator appointed by the court has a legal right to these details unless there is a court order.
So the insurance company actually isn't necessarily being evasive but simply cannot provide you with that information. It be a unlawful to do so.
It sounds to me that your daughter may have opted out because that's what you were told originally. So if she opted out of insurance coverage then this matter would be done.
If for some reason the employer submitted information stating that she was not eligible for the benefits because she was not permanent but she was then you may have a lawsuit against the employer. But it wouldn't be against the insurance company. The insurance company is only liable if she was paying premiums or the employer was paying for her and then they were covering her. So it may be that you have to go after the employer and not the insurance company.
In my view your best next up would be to retain a lawyer and have the lawyer write a letter to both the employer and insurance company demanding information and he threatening a lawsuit.
Your allegations are quite significant because you are really alleging that the insurance company is committing fraud. If you arec correct the damages will be significant but you need to be sure because that's a very serious allegation and it's unlikely that insurance company who is well-established would say that someone didn't have life insurance when they did.
You can ask for what you want but the problem is that you don't have any more legal authority than I do to ask for this because even though this was your daughter you don't get the rights she would have if she were living unless you are appointed as administrator of her estate.
You are very welcome.I hope it works out.