The type of death was not covered in the policy. The employer did not file a premium waiver. The policy premiums were not paid, which caused a break in payment. There is no payee designation on file.
That's up to you, but even the wealthiest people need money. Why wait? It will only allow the insurance company to make more money with interest on the money you haven't been paid. We have a reduced contingency fee for delayed claims, as we usually don't have to work for both a delayed claim and a denied claim.