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Alzheimer’s, Parkinson’s, ALS, heart attacks, and strokes — these are just some of the most devastating, critical illnesses. Although Ontario covers healthcare, there is the persisting quality of life concerns. With lost income and rising living and care expenses, you need the support of a critical illness insurance policy.
What happens when your critical illness insurance claim is denied? Without the benefit of a critical illness insurance policy, your quality of life can quickly decline further. Even with public healthcare coverage for hospital treatments, you still have bills and other expenses to pay.
Zayouna Law Firm is here for you when critical illness insurance fails to protect you and your loved ones. Together, we fight for your rights, and ensure that you and your family are supported during this crucial, difficult period.
You made the proactive choice to purchase a critical illness insurance policy. It’s a smart and responsible way to ensure financial security in the event of a critical diagnosis — or at least, it should have been.
Unfortunately, insurance companies are known to dispute or worse, deny otherwise valid critical illness claims. A denied claim prevents you from accessing the lump-sum benefit that a critical illness insurance policy is designed to provide, leaving you in a financially precarious situation as your living and treatment expenses rise.
Even when a claim is granted, many insurers are also known to delay or reduce payments, further impacting financial security and your ability to afford the cost of survival itself.
Our critical illness lawyers can help you fight a denied insurance claim, and ensure that the policy benefits are paid out as promised. We represent you in a critical illness lawsuit against your insurance provider to seek the full benefits you should receive, as well as compensation for the added pain and suffering caused by a denied claim.
A successful critical illness insurance lawsuit helps you access crucial financial resources for your survival and quality of life.
Critical illness insurance is a life insurance product that pays out a one-time lump-sum payment if you are diagnosed with a critical illness. Commonly covered illnesses include:
This one-time benefit payment can provide financial security. It can be used for living expenses, such as rent or mortgage, groceries, and other necessities, as well as treatments not covered by public healthcare, attendant care, and medical devices. This financial resource is especially crucial if you cannot work while undergoing treatment, or your condition continues to deteriorate.
A diagnosis is just the first step to qualifying for critical illness insurance benefits. Check your policy to confirm the terms and conditions you need to keep in mind for a successful claim:
At Zayouna Law Firm, we understand the physical, mental, emotional, and financial toll a critical illness takes, and we’re here to support you through it. Our critical illness lawyers are here for you when your insurance policy fails to support you. We are dedicated to fighting for your rights and claiming the benefits you need to navigate this difficult time.
Zayouna Law Firm is your critical illness insurance lawyer. Our entire legal team is here for you at every step of the lawsuit, from consultation and representation, to benefit payout and your improved quality of life. Our vast legal expertise in critical illness insurance law allows us to build a strong claim in your best interest, and tirelessly advocate for your rights.
If your claim was denied for any reason, continue seeking treatment and have your condition documented to show continuous disability. In the meantime, speak with a critical illness lawyer to obtain legal advice. They can interpret the denial letter and advise you of your legal options to commence a lawsuit for claiming your benefits.
There are a number of reasons as to why your claim was denied. Insurers commonly cite lack of medical evidence and/or missed submission deadlines, a diagnosis not covered in the policy, or receiving what they deem is inappropriate treatment administered by an inappropriate physician or specialist.
Each insurance claim is unique. The allowable period for commencing legal action usually depends on when the denial occurred, when the policy was entered into and whether it had been renewed. Generally, you have two years to commence legal action and file a claim for denied critical illness insurance benefits. For best results, contact a critical illness lawyer right away to obtain legal advice and ensure you meet filing deadlines.
Both insurance policies provide financial resources in the event of a severe illness. Their main difference is the benefit amount and how it is paid out. Long-term disability is designed to provide monthly income replacement, while critical illness insurance pays out a one-time lump sum benefit, upon which coverage terminates.
Long-term disability covers a broader range of diagnoses that meet the policy’s definition for total disability. These include both injuries and impairments from accidents, and illnesses. As its name implies, critical illness insurance only covers specified major illnesses. While long-term disability benefits can be offset or reduced by other benefits (i.e. CPP or WSIB), critical illness pays out the lump sum you are insured for.
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