Need guidance on dispuing group insurance claim

Death can occur naturally, unnaturally or as the result of a combination of causes originating from oneself or another. While some cases consist of overt evidence that the death occurred naturally, others require an expert to determine the precise cause of death or combination of causes. A hospital-based pathologist’s training in determining the cause of death may not include the depth or breadth of the knowledge necessary to assess suspicious death cases. Therefore, expert forensic pathologists, such as those at The Forensic Panel, are able to assess whether or not the cause of death was unnatural. To do this, experts must be familiar with external stressors such as poisons, noxious substances and environmental diseases, as well as the subtle ways in which these stressors affect the body. The expert forensic pathologists at The Forensic Panel are trained in the detection of unnatural causes of death regardless of whether the identity of the body is known or the doubtful or questionable clinical history of the deceased.

Thanks for your comments Ramacherry Ji,

With your suggestion looks like I would be needing the Forensic report to identify if the death was natural or not. And I cannot win over my dispute with the insurance company or Organization without having forensic report in place ?

Can you suggest what should I do next to get it?

Regards

Dear All,

Request help over knowing theprocedure how to dispute the claim if the organization with which employee was working has sent to insurance company that the death is a natural one.Organization people are aware that the employee worked in office in deteriorating condition and no body from HR informed us about the problem, immediate taking him to hospital could have saved him.

To safeguard themselves for providing adequate compensation they declared the death as natural in the LIc's EDLI from and are saying that Accidental insurance is only applicable where there is road side accident only, i lost my brother at 33 which is un-natural and is a trauma for us, now not sure what should i do next.

Somebody please advice.