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HOODIP Insurance and Common Claim Denials

Healthcare jobs in Canada are undeniably stressful, often placing healthcare professionals at the forefront of emotional, physical, and mental challenges. The demanding nature of these roles, coupled with long hours and high-pressure situations, can take a toll on even the most resilient individuals.

HOODIP is a disability insurance plan for hospital and healthcare workers meant to serve as a valuable safety net for hospital employees, ensuring they have support when facing unexpected health challenges that prevent them from working.

Common reasons why the Hospitals of Ontario Disability Income Program (HOODIP) disability claims are denied

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

Our Services

We offer straightforward and dependable support for insurance claims. If your claim has been delayed or denied, we’ll walk you through the next steps.

Group Disability Insurance

Group disability insurance is meant to provide financial help when illness or injury prevents you from working. If your claim is denied, we’re here to help you secure your benefits.

Private Disability Insurance Claims

Private disability insurance is essential during health challenges. If your claim has been rejected, we’ll step in to ensure you get the support you need.

Loan Insurance Disability Claims

Loan insurance is intended to ease the financial burden if an illness or injury keeps you from working. If your claim is denied, we’ll take action to challenge the decision and help you secure the benefits you’re entitled to.

OTIP Disability Insurance Claims

OTIP insurance supports educators facing medical difficulties. If your claim is denied, we’ll work with you to secure the assistance you deserve.

HOODIP Disability Insurance Claims

HOODIP insurance is crucial for healthcare professionals, but claim denials can occur. We’ll advocate for you to restore access to your benefits.

CAF/SISIP Disability Insurance Claims

CAF/SISIP insurance provides key coverage for Canadian Armed Forces personnel. If your claim is denied, we’ll fight for your rights and ensure you receive fair compensation.

Critical Illness Insurance Claims

If your critical illness insurance claim was denied, our team is ready to help. We’ll review your situation, explain your rights, and fight to ensure you receive the benefits you deserve.

Life Insurance Claims

Losing a loved one is difficult enough without having to deal with a denied life insurance claim. We’ll guide you through the process and fight for the financial support your family needs during this challenging time.

Travel Medical Insurance Claims

Medical emergencies abroad can result in unexpected, high costs. If your travel medical insurance claim was denied, we’ll advocate for you to ensure you get the coverage and reimbursement you deserve.

Understand the interaction between your pension and HOODIP

Employees of participating hospitals are covered by the Hospitals of Ontario Disability Income Program (“HOODIP”). Sun Life, Desjardins and Manulife have all been insurers paying HOODIP benefits. It is important to understand the interaction between HOODIP benefits and Hospitals of Ontario Pension Plan (HOOPP) or another pension which covers you. We understand this policy and have experience settling these claims.

Employees need to ensure that they do not retire prematurely, which would compromise the pension’s value and diminish the amount of their Long-Term Disability (LTD) benefits under HOODIP.

You may be asked to participate in a process known as the Medical Appeals Process (“MAP”). Get advice early about whether participating in this process will affect your ability to sue your insurer in the case of an unsuccessful appeal. We can help you know your rights before you participate in the process.

Our skilled lawyers are well-versed in all the intricate workings of the HOODIP plan and are ready to assist you in your claim. We are here to advocate for your interests and understand your right to disability benefits.

We have handled many claims with HOODIP insurers in Ontario

The Hospitals of Ontario Disability Income Program (HOODIP) is affiliated with various insurers, including Sun Life, Desjardins, and Manulife. At Burn Tucker Lachaîne, we have the precise experience and expertise needed to engage with these insurers effectively.

We also understand the relationship between HOODIP benefits and the Hospitals of Ontario Pension Plan (HOOPP). Our team has extensive experience in successfully settling these claims.

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

If your claim with your HOODIP insurer has been denied or ended, don’t wait to understand your rights.

Our disability lawyers can handle all aspects of your claim and ease the stress during this difficult time in your life.

We know the Ontario civil judicial system well, and we have the right expertise to get you the compensation you deserve from your HOODIP insurer.

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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