Your insurance company is supposed to help you but sometimes that help may not be as forthcoming as you would like. If your insurer has denied your claim, we prepare and advocate your case to a successful conclusion against your insurer.
Many employed persons in Ontario are covered by disability insurance policies in the event they are injured or become seriously ill and cannot work. An individual may have a claim against their disability carrier if they are unable to work at the employment they were performing at the time of sickness or injury.
Motor Vehicle Accidents
In Ontario, if you have suffered injury in a motor vehicle accident, you should immediately apply for accident benefits through your own insurer. You may qualify for weekly income replacement benefits and may receive funding for rehabilitation services such as physiotherapy, massage therapy and chiropractic treatment from the accident benefits insurer.
Fire Loss Claims
Property owners purchase insurance on their own properties to allow for peace of mind in the event they suffer damage to their property as a result of fire loss. In some situations, however, where there has been misrepresentation on the original application, arson, or failure to notify the company of a change in the use of the property, the insurer may deny a claim. The denial of a property insurance claim can result in serious financial losses for the property owner.
Life Insurance Claims
Life Insurance is purchased by individuals in hope that their family will be protected in the event of death. However, in some cases, claims can be denied by an insurance company on the basis that there has been a misrepresentation made in the application. In this situation, the insurance company will take the position that where a medical condition has not been disclosed or any other fact has been misstated, the claim will be denied.
Canada Pension Plan Claims
A claimant is entitled to Canada Pension Plan disability benefits if they have made sufficient contributions to the plan and if their injuries are “severe and prolonged.” Currently, in order to qualify for benefits, you must have contributed to the pension plan for four out of the last six years. Generally, benefits will be awarded where it is established that a claimant has a disability that appears to be permanent and the claimant is not competitively employable.
Contact Van Dyke Law
If you have an issue related to Insurance Claims that you'd like to discuss at no charge with a lawyer, please contact us and we will respond promptly to discuss your options.