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Understanding CAF LTD Insurance and Common Claim Denials

CAF LTD is a group insurance plan designed for Canadian Armed Forces personnel, managed by SISIP Financial and underwritten by Manulife. This insurance is specifically tailored for CAF members who have been medically released or deemed totally disabled upon release, and it offers coverage for both Regular Force and Reserve personnel.

As a member of the Canadian Armed Forces, you have dedicated your life to your country. You expect to have appropriate benefits for this contribution, so you never anticipated that there would be a problem with a legitimate claim to SISIP.

Common reasons why CAF / SISIP disability claims are denied

  • Failure to meet the test of disability
  • Disagreement with medical opinion
  • You are not following the treatment plan
  • Failure to follow claims procedures correctly
  • Insufficient medical evidence
  • Failure to meet the test of disability
  • Disagreement with medical opinion
  • You are not following the treatment plan
  • Failure to follow claims procedures correctly
  • Insufficient medical evidence

Our Services

If your claim has been delayed or denied, our lawyers will guide you through every step and work hard to ensure you get the support you deserve.

Group Disability Insurance

Group disability insurance is there to support you when health issues keep you from working. If your claim is denied, we’ll help you get the benefits you deserve.

Private Disability Insurance Claims

Private disability insurance offers critical financial support during tough times. If your claim is rejected, we’ll fight to ensure you receive the help you need.

Loan Insurance Disability Claims

Loan insurance is there to help when illness or injury prevents you from working. If your claim is turned down, we’ll challenge the decision on your behalf and ensure you get the financial relief you're entitled to.

OTIP Disability Insurance Claims

OTIP insurance is vital for educators facing health challenges. If your claim is denied, we’ll assist you in securing the benefits you’re entitled to.

HOODIP Disability Insurance Claims

HOODIP insurance helps healthcare workers during medical setbacks, but denials can happen. We’ll stand by your side to resolve your claim and restore your benefits.

CAF/SISIP Disability Insurance Claims

CAF/SISIP insurance supports members of the Canadian Armed Forces. If your claim is denied, we’ll advocate for you to secure the compensation and coverage you need.

Critical Illness Insurance Claims

Facing a critical illness is tough enough without dealing with a denied claim. We’ll carefully review your situation, explain your options, and fight to secure the benefits you’ve earned.

Life Insurance Claims

Losing someone you love is already heartbreaking. A denied life insurance claim adds even more stress. Our lawyers will help you navigate the process and make sure your family receives the financial support it needs.

Travel Medical Insurance Claims

Medical emergencies abroad can lead to unexpected costs. If your travel medical insurance claim is denied, we’ll advocate for you and work to recover the expenses you’re entitled to.

If you wish to appeal, we can assist you

Your union or SISIP representative might suggest you go through the appeal process. While many appeals are unsuccessful, we can represent you in putting forward your appeal. Before taking any further steps after a claim denial, consult with our experienced lawyers. We’ll carefully assess your situation, offering guidance tailored to your needs. Allow us to handle the complexities on your behalf, working diligently to secure the compensation you deserve during this challenging phase of your life.

Similarly, if your claim has been terminated while you’re still dealing with a disability, don’t simply accept the decision. Make sure you fully understand your rights and options before taking any further action.

Know your rights and act promptly

It is crucial not to delay when it comes to understanding and asserting your rights. Keep in mind that there is a limited timeframe to appeal or contest an insurance claim denial. Act swiftly to protect your interests.

Let our Experienced Lawyers Help

Our disability lawyers have handled many complex claims cases for members of the Canadian Armed Forces.

We understand how SISIP operates, and we are prepared to handle all aspects of your claim for you.

It’s understandable to feel weary of the ongoing battle, but don’t let fatigue lead you to give up on your claim prematurely.

Let our lawyers advocate for your rights so that you can focus on yourself in these difficult times.

Bilingual Disability Lawyers with the Right Expertise to Represent You anywhere in Canada

While our offices are in Toronto, Ottawa, Hawkesbury and Waterloo, we can be by your side and on your side across Canada, handling matters in the Atlantic and Western provinces as well as Northern Ontario. There is no need for you to travel. We come to you, or we handle your case virtually.

Contact us today at 613-233-6898.

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What Our Clients Say

I couldn't be more pleased with the way my case was handled. Eliane was extremely supportive and worked diligently on my case. Her knowledge and guidance led to a pleasing outcome. Thank you to Eliane, her secretary's, reception and anyone else involved in my case. I wish you all the best in the future. Your an exceptional team. I highly recommend Eliane Lachaine.
5 stars
Helen Schutt
My personal experience in dealing with Alison at the firm was outstanding. She was always available to answer any questions or concerns I had in dealing with the insurance company. Alison was always upfront and honest with me about the results we were able to obtain. She worked hard for me and was very aggressive and no nonsense during our mediation meeting. My Ltd carrier made an strong effort to minimize the benifits I was entitled to, but Alison was having none of that. She got the results we were hoping for. I can't thank Alison enough for the help, and respect she gave me throughout the whole process.
5 stars
Lyle Fisher
My interaction with this law firm has been positive from right from the beginning exploratory conversations, which were handled with sensitivity and clarity, to the end result, which I felt was very fair. I was fully informed about possible outcomes as the process unfolded, so there were no surprises. I highly recommend the law firm of Burn Tucker Lachaine.
5 stars
Debby Clarke
I would highly recommend this firm. My lawyer’s composure, knowledge, work ethic and most of all excellent representation put me at ease during this stressful time. My most sincere thanks for a positive outcome. Thank you Alison!
5 stars
Karen T
My experience with being represented by Alison Gilmour was extremely positive. She took the time to know me as a person Alison carefully presented options and enthusiastically supported my decisions.
5 stars
Laurel Mollison
Alison and her team made this process extremely stress free and would highly recommend them to anyone who needs a disability lawyer. She took care of all the works so I could focus on my health.
5 stars
Kaitlynn Friesen
Forever grateful for the exceptional help, care and knowledge from the team at Burn Tucker Lachaine. Highly recommend to contact for any personal injury journey.
5 stars
Kayla P
Had a great experience with the team at Burn Tucker Lachaîne everyone is very pleasant and thoughtful, Colleen great work, definitely will recommend to family and friends.
5 stars
Lindamir Schuchardt
This team of professionals were able to assist me and I would highly recommend them.
5 stars
Lori Toffolo

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