Critical Illness Insurance Denials

Recently, insurance lawyers in Canada have seen an increase in denials of critical illness insurance claims. Critical illness insurance is purchased as a part of an overall insurance policy, in which the insurer is obliged to provide a cash payment in the event that the insured is diagnosed with a critical illness that is listed in the insurance plan. These illnesses include, but are not limited to, stroke, heart attack, multiple sclerosis, cancer, kidney failure, blindness, and other potentially debilitating physical conditions.

When legitimate critical illness claims are denied, the resulting delays in payments may have devastating consequences for those claimants who desperately need those funds while trying to recover from a serious illness or injury.

Common Reasons for Claim Denials

In most cases where the claim is denied, the common reason given is misrepresentation on the application for the insurance coverage. The company is basically saying that the insured was not completely truthful about their medical history when they originally applied for the insurance. In other cases, companies may deny a claim because they believe it is not covered under the policy; the list of illnesses specified in insurance policies are becoming far narrower and more precise, allowing for a higher rate of claim denials and disputes.

The Right Lawyer Can Help

If your insurance claim has been denied, you aren’t alone, and you don’t need to give up hope. Across Canada, there is a growing body of case law indicating that the courts often disagree with the insurance company’s position when it comes to claim denials, particularly those based on alleged misrepresentation. There may also be grounds to file a claim based on the negligent insurer or agent who advised about the purchase of the critical insurance plan or sold the policy to begin with.

If you feel your claim has been wrongly denied by your insurance company, your main recourse may be litigation. To help you understand your options and to chart a course of action, you will need experienced insurance lawyers on your side. The right attorney can protect your legal rights and represent you in court and in negotiations. In many cases, the presence of a lawyer may be enough to cajole the insurance company into doing the right thing, and in other cases, a lawyer can help negotiate an out-of-court settlement; you may be able to reach a satisfactory outcome without ever setting foot in a courtroom.

The Folkes Law Firm: On Your Side

If your insurance claim has been denied, don’t hesitate to call the Folkes Law Firm. We have years of experience in dealing with insurance companies across the province. The firm is highly regarded by clients, other legal professionals, courts and insurance companies throughout the region. We are committed to ensuring that you receive the compensation that is due to you.

Personal Injury Lawyers working for you

Ron Folkes is a leader in the field of personal injury law, having achieved millions of dollars in settlements for his clients through virtually every type of injury claim. The Folkes Law Firm was founded in 1974 on the principle of providing the highest quality legal services to clients at reasonable rates. The team remains committed to this principle today. Ron Folkes and his staff of professionals enjoy a strong reputation among clients, legal professionals and courts throughout the Brampton and Mississauga communities.

The Folkes Law Firm is available for a free half-hour consultation, and can be reached at 21 Queen Street East, Suite 900 Brampton, ON L6W 3P1, or by calling 905-457-2118 or toll-free outside of the GTA 1-877-457-2118.