Long-Term Disability Claims for Long-Haul Truckers in British Columbia

Posted on by Brian Jacobson Posted in Long-Term Disability, Long-Term DisabilityTagged ,

Long-haul truckers play a crucial role in keeping our economy moving by transporting goods across British Columbia, Canada, and internationally. The supply chain for all goods requires truckers to make it work, much more so in countries like Canada with significant amounts of undeveloped wilderness.

However, despite the essential nature of their work, long-haul truckers are not immune to the risk of injury or illness that could render them unable to work. Many of these truckers have long-term disability policies intended to help them financially when disaster strikes. Unfortunately for many, their legitimate long-term disability claims are denied.

Common Truck Driver Injuries & Conditions

Long-haul and other truckers are often engaged in hard and strenuous work, despite the popular view that the most significant aspect of the job is sitting and driving for long periods of time (which can be taxing on its own). Whether related to preparing their truck … Continue reading

Dentist Long-Term Disability Denials

Posted on by Brian Jacobson Posted in Insurance Denials, Long-Term DisabilityTagged ,

Long-term disability insurance policies for professionals, unlike other types of long-term disability coverage, are often individual plans, requiring a paramedical examination, with specific policy language. This is because dentists are potentially high earners in a profession that, generally speaking, requires them to stand, sit, or stoop, for long periods of time.

Like many professional long-term disability policies, dentist long-term disability policies usually contain more complex policy language than standard group policies, which can often offer insurance companies more opportunities to deny legitimate claims. An experienced insurance denial lawyer will be able to help navigate these policy issues while managing your claim.

Common Disabling Dentist Injuries & Conditions

Any number of injuries or conditions can impact a dentist’s ability to work to the point of disability. Some of the more common injuries are:

… Continue reading

Can My Insurance Company Deny My Critical Illness Claim?

Posted on by David Goldberg Posted in Insurance Denials, Critical Illness Claim Denials

Having a critical illness insurance policy in place offers a sense of security and financial protection in times of medical emergencies. Unfortunately, there are instances where insurance companies deny critical illness claims, leaving policyholders confused and frustrated. While critical illness insurance denials can be devastating, it is important to understand the common factors behind denials of critical illness claims by insurance companies.

Critical Illness Policy Exclusions

Insurance policies for critical illness coverage often have very specific exclusions and limitations regarding critical illnesses. It is important for policyholders to understand these exclusions and ensure that their claim falls within the covered conditions. For example, some policies may not cover certain types of cancer or pre-existing chronic conditions.  While multiple sclerosis may be covered, often systemic sclerosis is not.  An insurance company will not pay out benefits under a critical illness policy unless the specific illness you have is listed in the … Continue reading

What Happens in a Long-Term Disability Claim?

Posted on by Brian Jacobson Posted in Insurance Denials, Long-Term Disability

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 legal action.

Starting a legal action to enforce your rights under your insurance policy can be intimidating, especially when you’re going up against an insurance company with almost limitless resources.  Most people with a claim don’t have any idea how a long-term disability claim works or what happens.

We’ve put this blog post together so our clients can get an idea of what happens in a long-term disability claim.

Gathering Evidence

The first step in a denied long-term disability claim is gathering the evidence you’ll need to ensure you have a good claim. There are only two big steps to … Continue reading

Tips for Dealing With Your Insurance Company

Posted on by Ben Tarnow Posted in Insurance Denials

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 of mind, knowing they’ll be there to support us when we need it most. However, the unfortunate reality is many legitimate insurance claims are denied every year. 

This is why we’ve created the Tips for Dealing With Your Insurance Company guide. The goal of this book is to equip you with the necessary information to handle your insurance company independently, aiming to prevent you from becoming one of our clients in the first place. 

 

If your claim is denied, and you’re having trouble negotiating with your insurer, we are here to help.  Our dedicated insurance denial lawyers at Taylor … Continue reading