A significant amount of Canadian long-term disability claims are denied. When some people attempt to appeal the decision this almost never changes the opinion of the insurance company which has denied the claim. This leaves people with only one choice if they want to enforce their rights, start a … Continue reading
In one way or another, nearly everyone invests in some form of insurance, aiming to secure financial assistance in times of crisis. These insurance policies, whether they cover long-term disability insurance, life insurance, critical illness insurance, mortgage protection, or accidental death & dismemberment, provide peace … Continue reading
As discussed many times in this blog, your relationship with your insurance company is one based on contract. Your insurance policy lays out the responsibilities and obligations of the insured and the insurer. The basic provisions of all insurance policies are that you pay insurance premiums to your insurance company, … Continue reading
While this usually comes to the surprise of most people who are currently receiving long-term disability benefits, your insurance company is not your friend. They are providing you with long-term disability benefits because they are contractually obliged to, not out of some sense of altruism.
Not only are they only … Continue reading
Insurance denial claims always arise in the context of a contractual relationship, that between the insurer and the insured, which has broken down. While at trial for a long-term disability claim all a judge can do is order specific performance of the contract of insurance, namely a declaration that the … Continue reading