12 months After Girl’s Demise, Life Insurance coverage Co. Refuses To Pay Husband


An Illinois insurance coverage firm that holds a $257,000 life insurance coverage coverage on a girl discovered slain in her East Haddam house final March is asking a federal choose to dam her husband from getting the cash.

Sandra Kalosky was discovered overwhelmed to loss of life in her house on North Moodus Street on March 23. State police have stated little about her loss of life aside from that she died of blunt trauma to the pinnacle and her loss of life has been dominated a murder. Nobody has been arrested.

The Zurich American Life Insurance coverage Firm, or Zalico, has filed a federal lawsuit looking for to dam her husband, Robert Kalosky, from getting the cash from the coverage that she took out in 2011. Kalosky has not responded to the lawsuit and has not commented on his spouse’s loss of life. He filed a declare for the cash six days after her physique was discovered.

Whereas not particularly calling him a suspect in his spouse’s homicide the insurance coverage service in court docket papers says it’s reluctant to pay the declare.

“Inasmuch because the murder loss of life of the deceased stays open and unsolved, Zalico can’t decide whether or not a court docket would discover that Robert Kalosky is and/or could also be disqualified from receiving the plan advantages primarily based on federal widespread regulation and/or Connecticut state regulation that prohibits a person from receiving funds if that individual is convicted within the loss of life of the deceased,” the corporate’s legal professional Regen O’Malley wrote in a court docket submitting.

If a federal choose have been to rule that Robert Kalosky is not eligible to obtain the loss of life profit then both his son, Phillip T. Kalosky, or Sandra Kalosky’s surviving sisters, Barbara Kaluza or Janet Guerrini, may very well be beneficiaries.

Robert Kalosky couldn’t be reached for remark. Kalosky refused to simply accept a replica of the lawsuit when it was served on him, hasn’t responded to the federal criticism and is in peril of defaulting, in response to court docket data.

Sandra Kalosky is the second spouse of Robert Kalosky’s that has died beneath violent circumstances in the identical home.

Practically twenty years in the past, Paula Kalosky was discovered with a single gunshot wound to the pinnacle in the identical house. The loss of life was initially dominated a suicide however modified to “undetermined, ” in 2004. Robert Kalosky has not been charged nor named as a suspect in both loss of life.

That change got here after John Carbo, Paula Kalosky’s brother, filed a wrongful loss of life lawsuit towards Robert Kalosky. The case was settled with no discovering.

“I by no means believed that my sister killed herself. It by no means made sense to me, ” Carbo stated in an interview with The Courant final spring.

It’s unclear if state police plan to reopen the older case, the supply stated.

Based on the wrongful-death lawsuit, the 2 ladies knew one another and Sandra divorced her husband and moved in with Robert Kalosky a few 12 months after Paula’ Kalosky’s loss of life.

In his assertion to state police after Paula Kalosky’s physique was discovered, a replica of which is in Carbo’s possession, Robert Kalosky stated he did not hear any gunshots that morning. He advised police he left the home and went to withdraw cash from an ATM and to get fuel. After coming house and beginning breakfast, he went to verify on his spouse and located her useless along with his gun subsequent to her.

Robert Kalosky stated he referred to as 911, then moved the gun on the behest of the dispatcher earlier than going outdoors to attend for emergency personnel. Kalosky advised police that Paula had been upset by the loss of life of her mom from most cancers about 5 months earlier.

Carbo stated his sister, who labored for a Hartford insurance coverage firm, was about to graduate from the College of Hartford and had picked out her commencement robe a number of days earlier than her loss of life.

After the suicide ruling, the household employed Michael Malchick, a former state police detective, to evaluate the case. The state police reopened the case and the way of loss of life was modified to “undetermined, ” in response to the wrongful loss of life swimsuit and health worker’s workplace.

A wrongful loss of life lawsuit was filed towards Robert Kalosky by Paula’s household after a probate choose eliminated him as executor of her property. The lawsuit was settled for about $95,000 simply earlier than proof was to start out earlier than a jury. Nearly all of the settlement, $53,000, was positioned into a university fund for the couple’s son, who finally went to Johnson & Wales College.


(c)2019 The Hartford Courant (Hartford, Conn.)

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