Did the insurance company deny your life insurance claim? Do you need to appeal the denial? Not sure what to do? Our Toronto life insurance claim lawyers can answer your questions and give you a plan. Call us today at 647-424-4414 for a free claim review.
25 Adelaide St. East, Suite 1719, Toronto, ON M5C 3A1 | Tel: 647-424-4414
- Free phone consultation, call now
- Free claim reviews for appeals
- We are easy to talk to
The loss of a loved one’s income can place a financial burden on a family. This is why many responsible people buy life insurance. To ensure that their family is taken care of in the event of their death. The beneficiary named in the policy is entitled to receive a lump sum payment of money to help with funeral costs and life expenses.
You likely became aware of the denial in a recent letter from the insurance company. In this letter the Insurance Company will discuss the policy and give reasons for why they are denying your claim. Sometimes they give clear reasons, but other times they will be vague. Either way, you should seek legal advice right away before you take any further steps.
The insurance company won’t choose to deny your claim until it has well though out strategy in place. This is why you also need to have a plan before you take any further steps. Otherwise, you may unknowingly help them cement the denial in place.
Call us today at 647-424-4414 for a free claim evaluation. Our Toronto life insurance claim lawyers deliver these evaluations online and by phone, so you never have to go to an office.
As part of this free service we also get a copy of the insurance company’s claim file for you. This allows us to show you what is going on behind the scenes and give you a plan for getting the claim approved.
Why do Life Insurance Claims Get Denied?
There are common reasons why Insurance Companies will deny a life insurance claim. These include them saying:
- your loved one had a pre-existing condition
- your loved one misrepresented their health or financial situation
- there was a technicality or mistake with the application
- you filed the claim to late and missed the deadline
- you didn’t give the right documents or paperwork
How to Appeal a Life Insurance Denial
There are two levels of appeal for a life insurance claim denial. First, you start with asking the insurance company to reconsider its decision to deny the claim. This is called an internal appeal. Internal appeals can be successful if the denial is based on a technicality or missing information that is easily corrected.
However, if the denial is based on a pre-existing condition, missed deadlines, or misrepresentation, then there is virtually no chance of winning at an internal appeal.
The second level of appeal is called a legal appeal. This happens when you file a lawsuit against the insurance company. This sounds like a big step, but is actually quite easy for a lawyer to do. Your appeal then continues, but your claim will ultimately be decided by the court, rather than the insurance company. When handled properly, legal appeals can lead to settlements and claim approvals.
Call us today at 647-424-4414 for a free claim evaluation to learn what an internal appeal or legal appeal would look like in your situation. We will be honest with you about which option is best for you. We give you a plan for doing your appeal. You can then do it yourself or hire us to do it for you.
What Can a Life Insurance Dispute Lawyer Do For You?
Our Toronto life insurance claim lawyers can help you in the following ways:
- explain the real reasons your claim was denied
- explain what needs to happen to get the claim approved
- take over all communications with the insurance company
- give you a free claim review and plan for next steps
- gather information needed to support your claim
- represent you in doing an internal appeal with the insurance company
- represent you in doing a legal appeal (lawsuit) against the insurance company
Frequently Asked Questions
We handle all life insurance claim disputes on a contingency fee basis. There are no up-front payments. You only only pay us if we win. If we lose you don’t pay us anything and we have to write-off any expenses we incurred on your claim. Our fee is a percentage of the payout we get for you. Contingency fees result in premium fees because of the risk we take on in delaying payment and losing money invested in case expenses. However, we offer a 100% Satisfaction & Fair Fee Guarantee, so you can be certain our fee is fair and reasonable.
We cannot guarantee success in every case. It is possible we won’t be able to win your claim; However, most cases will resolve within twelve months with an out of court settlement or a claim approval. It can take longer than twelve months if the insurance company is not offering a fair settlement or you want to get the full amount owing under the policy.
There is no financial risk related out our legal fees or expenses. You only pay us if we win and collect money for you. However, there are risks of having to paying towards the insurance company’s legal fees and expenses if we lose. You have control over this risk because you will have opportunities to settle the case out of court. These settlements can include the insurance company paying a partial amount to you, or allowing you to drop the case without financial consequences.
The Rules of Court for Nova Scotia require the losing side to make a payment toward the winning side’s legal fees and expenses. This is a partial reimbursement only. The insurance company will not have to pay a full reimbursement of your legal fees if we win or reach a settlement. We only charge legal fees based on a percentage of the money collected, so the legal fees will never be more than a percent of the money you get.
Other disability claim services we offer
- Long-term Disability Lawyers
- Short-term Disability Lawyers
- CPP Disability Lawyers
- Disability Tax Credit Lawyers
- Critical Illness Insurance Lawyers
Why Choose Resolute Legal?
We focus exclusively on disability and life insurance claims. You will have the peace of mind knowing you are hiring a firm that only works in this area of the law.
We focus on educating you first, so you have all the information you need to make informed decisions. We know how stressful it can be to call a law firm, not knowing what to expect. This is why we have a dedicated support team to handle all incoming calls. Our support team is expecting your call and wants to hear your story.
We believe in full transparency and fairness with legal fees. We give you a 100% Satisfaction Guarantee. This means you can walk away in the fist 45 days with no charges or questions asked. So, you don’t have to worry about buyer’s remorse when you hire us.
We also give you a Fair Fee Guarantee. When you hire a lawyer on a contingency fee basis (no win, no fee), the legal fee is a percentage of the funds recovered. While you should expect to pay a premium fee with this arrangement, there are limits to what is fair and reasonable.
The regulator for lawyers in Nova Scotia has set out guidelines for lawyers to reduce a contingency fee when needed to ensure the fee is fair and reasonable. We follow these guidelines and reduce fees when appropriate. However, if you still think the fee is unfair, then we arrange for a Court Assessment Officer to review our fee. That officer has the authority to confirm or reduce the fee as needed to make it fair.
So, don’t wait any longer. Give us a call today at 647-424-4414 for your free case review. We take calls 24/7. Or fill out the form on this page to get started.