Thanks to loopholes, some insurers are erroneously denying insurance claims for accidental deaths by claiming they’re suicides, reports Bloomberg Markets Magazine in a new in-depth investigation.

The insurance companies persist in denying the claims even when faced with autopsy reports, medical records and letters from the medical examiner. In takes the survivor suing the insurance company to get the payout they deserve. In most cases, the survivors don’t sue.

And for those that do sue and win, the insurance company isn’t forced to pay interest or penalty on the payout which they’ve been allowed to invest the whole time.

Accidental Death Becomes Suicide When Insurers Dodge Payouts [Bloomberg Markets Magazine]

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