Critical illness insurance claims

Critical illness insurance claims lawyer

When your critical illness insurance claims are denied, our lawyers can help.  When people suffer from a critical illness, many aspects of their lives are affected. However, the medical cost and the accompanying lack of earning power could make life really difficult for these individuals. While it’s true that their lives may never be the same again, a critical illness insurance benefit could go a long way in easing their financial difficulties. This, at least, is the reason why many people opt to purchase critical illness insurance policies.  


What illnesses are covered? 

The illnesses covered under a critical illness insurance policy varies widely from policy to policy. The common illnesses are listed below:  

  • Cancer  
  • ALS  
  • Alzheimer’s  
  • Stroke  
  • Coma  
  • Paralysis, etc.

Critical illness insurance claims and critical illness  policies are regulated by the Financial Services Regulatory Authority of Ontario (FSRA).  FSRA will investigate a complaint filed in relation to an insurance issue which can some times lead to the result desired.

Why are critical illness claims denied?

Insurance companies can provide many reasons to deny a claim for critical illness insurance.  These reasons can include a misrepresentation on the insurance application, insufficient proof of the critical illness, or non payment of premiums.  A denial of critical illness insurance claims can also be due to an insurance broker or agent failing to ask proper questions or take fullsome information from their client.

Why do you need a critical illness insurance lawyer?  

In theory, the process of filing your claim and receiving your benefits should be straightforward. However, this is often not the case. The policies are filled with numerous exclusions, restrictions and other bottlenecks that often complicate the process of receiving your benefits. Too often that we’d like to see, insurance companies deny suffering individuals their legitimate claims even after they’ve religiously fulfilled their part of the bargain. Sometimes, the fault lies more with the insurance broker that sold the claim and not the insurance company.  

If you or anyone you know wants to file a critical illness insurance claim, hiring the services of an experienced critical illness insurance benefits lawyer would save you a lot of trouble. Our lawyers have an in-depth knowledge of the claims process and we would do our utmost to ensure you get your full benefits. Perhaps, you have tried filing on your own and you have been denied, you can still get in touch with our expert lawyers. We would be glad to help you review your claim and make necessary moves to see ensure that justice is served. Our lawyers have an impressive track record and are not afraid to go all the way to trial if that’s what it would take to resolve your case.