What Is a Waiver of Life Premium (“WOLP”) Denial and What Do I Do When I Get One?

When a person is covered under an employee benefit plan, it typically includes disability insurance and life insurance, among other benefits. If the employee becomes disabled and is approved for long term disability (“LTD”) benefits by their disability insurance carrier they may also be entitled to a waiver of the premium of life insurance. We call this a waiver of life premium or WOLP.

This means that while you are disabled and receiving disability benefits under the LTD policy, you do not have to pay the premium for your life insurance policy. It is important to keep in mind that there is no guarantee you will continue to receive these benefits.

Just like an LTD claim, a WOLP claim is periodically reviewed by the insurer to determine if the claimant still meets the definition of disability. The life insurance policy may have the same or slightly different definition of disability, but under both policies the insurer must find you meet that definition of disability. If the insurer determines they do not, they can deny or terminate the claim. If your policies are governed by the Employee Retirement Income Security Act (“ERISA”), you should be given a right to appeal the denial.

If you receive a WOLP denial, you should speak with your doctors about it. Ask your doctors not to communicate with your insurance carrier without speaking to you first. After receiving a WOLP denial, keep an eye out for an LTD denial as they usually go hand in hand.

Next, call one of the experienced disability insurance attorneys at Dabdoub Law Firm who can help you appeal the denial.

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