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Update: good news they are paying out the claim...I wasn't expecting to get paid after I consulted with a lawyer. His opinion was they would argue he wasn't working when died.

@bri1990 Yes, but as I say it's via his employer ( a real estate board, a policy from a major insurance co) and that's a 24/7 job where you are constantly out and about ( if you work hard). I know for a fact he had many phone calls with friends that night, well what if his friend claims he's...

@bri1990 Could also mean he's covered bc he wasn't skydiving or bungee jumping.

@bri1990 I guess it means, if he was say sky diving that's not an "occupational activity"

@bri1990 That's from the exclusions section.

@alinajj Curious do you have experience in these matters ?

@alinajj You could argue was taking clients out to dinner etc. Technically just taking work related phone calls or talking to random who are interested in doing business could qualify. Thing is the terms they use a very vague and undefined. If he was a construction worker then clearly being at...

So I'm worried I may be denied bc my dad's blood alcohol level was very high ( no exclusion for alcohol UNLESS DRIVING btw) The other reason is this from the policy: (q) an accident occurring (i) while the Insured Employee is not engaged in an Occupational Activity, or (ii) while the Insured...