Critical Illness Claim Denial Lawyers in Toronto

Dealing with a critical illness can be extremely physically and mentally stressful for you and your loved ones. During this difficult time in your life, the last thing you should ever have to worry about is whether your insurance company will deny your critical illness claim.

A critical illness claim denial can only exponentially add to the stress and strain that you and your loved ones are already feeling. If you’re currently battling a critical illness and your claim has been unjustifiably denied by your insurance provider, then Mirian Law Firm can help with your case in Toronto and the GTA. Our experienced insurance lawyers will work tirelessly to ensure that you receive a truly fair and comprehensive case assessment that renders the best possible result.

What is Critical Illness Insurance?

In Ontario, critical illness insurance is a specific type of coverage that you can apply for if you or a loved one is diagnosed with a serious illness that requires. Whether or not the illness is treatable, the policyholder is usually awarded a one-time lump sum payment of a specific amount to which they’re entitled as per their contractual agreement with the insurance company.

What Qualifies as a Critical Illness?

By definition, being critically ill means that your overall physical and mental health has been severely impacted by a diagnosis to the extent that your life is at risk as a direct result of the illness or suffering a serious injury (i.e. traumatic brain injury). Chronic illnesses like arthritis, asthma, or diabetes are usually exceptions.

Here’s a list of illnesses that qualify for this type of insurance in Ontario:

  • Cancer
  • Parkinson’s disease
  • Alzheimer’s disease
  • Cardiac illness (i.e. heart attack)
  • Lou Gehrig’s disease (ALS)
  • AIDS

Critical illness insurance provides a great deal of financial relief by covering treatment and medication costs, supplementing loss of income of the insured person, and allowing the family members to pay for the necessary additional care and assistance their loved one requires.

To find out if a specific type of critical illness is covered by your policy or insurance company, you should speak directly with your provider or one of the esteemed insurance lawyers at Mirian Law Firm. We’ll help you better understand your existing policy or review a number of different policy options and help you choose the most comprehensive and affordable coverage that suits your specific needs.

Common Reasons for Critical Illness Claim Denial

  • The medical condition or illness isn’t covered by your policy
  • The condition fails to meet the specific critical illness criteria outlined in your policy
  • Incomplete or misrepresentation of information submitted during the application
  • Failing to submit important medical documents
  • Filing a fraudulent critical illness claim

Why You Need an Insurance Lawyer in Toronto

The critical illness insurance lawyers at Mirian Law Firm specialize in helping clients throughout Toronto and the GTA appeal unjust insurance claim denials. We have the expertise, manpower, and necessary legal resources to help you file an appeal and negotiate the terms of your policy with your insurance provider on your behalf. Book a free case assessment today!