Did your insurance company deny your claim under a critical illness policy? We have experience dealing with such claims.
In one case, our lawyers successfully challenged a denial by an insurance company. The insurer denied the claim based on alleged symptoms of the critical illness occurring during the first 90 days qualifying period after the policy was purchased.
In another case, the insurance company denied a critical illness claim on the basis of a “pre-existing condition” that was diagnosed prior to the purchase of the policy. The policy defined “pre-existing condition” as one that was “diagnosed by a physician”. In this case, the diagnosis was not made by a physician but instead by a non-physician health practitioner. As a result, our team was able to get the insurance company to pay out on the critical illness policy since the condition was not identified by a physician prior to the purchase of the policy.
DISABILITY INSURANCE CLAIMS
We have helped our clients get coverage under the disability policies where they have been seriously injured in motor vehicle accidents or by disabling diseases.
In many cases, the disability insurer denied the coverage based on the allegation that our client could work in some capacity. In other instances, the denial was based on an alleged pre-existing condition.
We have successfully reversed the denial in a majority of the cases we have handled.
We’ll obtain the necessary medical evidence needed to challenge the denial.
Here is an example of a successful challenge by our firm of a denial of CPP disability benefits: