A request to disclose a claimant’s medical file

During a life-insurance claim review, a person who says they are a relative asks the reviewer to email the claimant’s complete medical file. The person is upset about the delay but has not supplied evidence of authority to receive the records. The reviewer can communicate through established channels and can verify appropriate authorization without sending the file immediately. The claim itself still needs ordinary evidence review, and no fraud determination has been made. A colleague suggests that family status alone makes disclosure harmless. The task concerns professional handling of sensitive information, not a complete legal opinion on the individual’s eventual access rights under every possible capacity or court order.