One way or another, almost everyone pays for one form of insurance or another. Insurance policies are something that we pay into to ensure that if disaster strikes, we will have monetary help at the times we really need it. Whether it’s coverage for long-term disability insurance, life insurance, critical illness insurance, mortgage protection insurance, accidental death & dismemberment insurance, or any other type of insurance, we pay for it for peace of mind knowing that it will be one less worry at a time when we’ll need all the help we can get.
The unfortunate reality is many legitimate insurance claims are denied every year. The statistics show that around 60% of long-term disability claims alone are denied on a yearly basis in Canada.
Often when clients call our firm, they can’t believe that their insurance company would do that to them. The truth is your insurance company doesn’t care about you as an individual no matter how long you’ve been paying your policy premiums on time. All they care about is how they can ensure their company has to pay as little out on your insurance policy as possible. End a claim early? Great! Deny it entirely? Even better.
When rightful insurance claims are denied the insurance denial lawyers at Taylor & Blair LLP work hard to ensure our clients get a fair deal and the insurance benefits they deserve. We have over 30 years of experience fighting insurance companies and bring that experience to bear for each client we take on. But the purpose of this book is to try to help make sure you don’t need to become one of our clients in the first place by giving you some of the information you need to deal with your insurance company on your own.