Critical Illness Lawyer in Toronto
Was your claim for critical illness insurance benefits recently denied? Are you unsure about what your next steps should be? A Toronto critical illness insurance lawyer can help you obtain the compensation you’re entitled to.
When you’ve discovered that you are suffering from a debilitating illness, the last thing you expect is to be denied benefits by your critical illness insurance company. Unfortunately, these denials are much more common than you might think.
At Injury Disability Lawyers, we are committed to fighting back against critical illness insurers who issue denials unfairly or without cause. A Toronto critical illness lawyer from our firm will determine why the insurer believes you don’t deserve your benefits and then prove your case so you can receive the funds you need to survive.
Which Illnesses Qualify as Critical?
Each insurance company has varying ideas about what illnesses are considered “critical.” These are usually outlined in your policy.
Some of the most common critical conditions that may be covered by your policy include the following:
- Late-stage cancers
- Heart attacks
- Multiple sclerosis
Because insurers are able to define which conditions they consider critical, each company may have different ideas about what illnesses should be covered. Your critical illness lawyer in Toronto will examine in great detail the contents of your policy to determine whether your condition is supposed to qualify for coverage.
Why Your Claim Was Denied
You were probably shocked when you opened your mail to discover a denial from the very insurance company that is supposed to protect you during your time of need. Isn’t that what you purchased the coverage for? Sadly, it is not uncommon for insurance adjusters to swiftly deny claims that should have been approved.
The insurer is required to inform you in writing about the reason for your denial. One of the most common reasons is called “misrepresentation.” Essentially, the insurance company is accusing you of being dishonest on your primary application about your medical history.
While this does happen on occasion, the overwhelming majority of Toronto critical illness insurance policyholders are not only honest on their applications, but receive physical exams from their physicians to clear their health before purchasing a policy.
When you are in dire need of compensation due to a crippling medical condition, you shouldn’t have to jump through hoops to satisfy the insurance company. Your critical illness insurance lawyer in Toronto will handle the insurance company and provide all necessary information to secure the lump sum you are entitled to.
Speak with a Toronto Critical Illness Insurance Lawyer
If your initial critical illness claim has been denied and you aren’t sure what to do next, Injury Disability Lawyers can help you. Our team of experienced insurance litigation lawyers will defend your claim to help ensure that you are able to collect the benefits you need to continue to support yourself and your family.