Understanding Mortgage Loan Insurance and Claim Denials

Many lenders provide loan insurance as an added protection for both the borrower and themselves, with mortgage insurance being a popular choice. Depending on the policy’s terms, this insurance may cover your payments, interest, or pay your loan balance in the event of disability or death. Like many borrowers, you might choose this insurance for its convenience and low cost. As you make your loan payments over time, you are also paying insurance premiums, with the belief that if you become disabled, this insurance will cover your loan obligations, providing your family with vital financial relief.

Common reasons why mortgage lender insurance disability claims are denied

  • Errors on medical questionnaire because the question was broad in scope and difficult to interpret
  • Policy exclusions
  • Insufficient medical evidence
  • Failure to follow claims procedures correctly
  • Disagreement with your doctor’s medical opinion
  • Errors on medical questionnaire because the question was broad in scope and difficult to interpret
  • Policy exclusions
  • Insufficient medical evidence
  • Failure to follow claims procedures correctly
  • Disagreement with your doctor’s medical opinion

Our Services

We offer clear, dependable support for insurance claims. If your claim has been denied or delayed, we’ll guide you through each step and stand by your side.

Group Insurance Disability Claims

Group disability insurance is meant to provide financial security when you can’t work due to illness or injury. If your claim is denied, we’re here to help you obtain the benefits you deserve.

Private Insurance Disability Claims

Private disability insurance acts as a financial lifeline when health issues force you to stop working. If your claim is rejected, our team will work to secure the support you’re entitled to.

Loan Insurance Disability Claims

Loan insurance is there to provide relief when illness or injury prevents you from working. If your claim is denied, we’re here to challenge the decision and help secure the financial protection you rely on.

OTIP Insurance Disability Claims

As an educator, OTIP disability insurance is vital when health challenges arise. If your claim is denied, we’ll guide you through the appeals process and fight for the assistance you need.

HOODIP Insurance Disability Claims

HOODIP insurance protects healthcare workers, but denied claims can create added stress. We’ll advocate for your rights and work to restore your access to benefits.

CAF/SISIP Insurance Disability Claims

CAF/SISIP insurance provides critical disability coverage for members of the Canadian Armed Forces. If your claim is denied, we’ll stand by your side to secure the compensation and support you deserve.

Critical Illness Insurance Claims

Dealing with a critical illness is difficult enough without the added stress of a denied insurance claim. We’ll review your case, explain your options, and fight for the coverage you’ve earned.

Life Insurance Claims

Losing a loved one is never easy, and a denied life insurance claim only adds to the pain. Our team of legal experts will guide you through the claims process and work to ensure your family receives the financial support it needs.

Travel Medical Insurance Claims

Medical emergencies while travelling can be costly. If your travel medical insurance claim is denied, we’ll advocate on your behalf to make sure you get the coverage and reimbursement you're entitled to.

The application process is simple. Getting your claim paid may be difficult.

Obtaining loan insurance is a straightforward process, requiring completion of a simple form that includes a condensed medical questionnaire. Applicants generally provide information to the best of their knowledge without extensive deliberation.

During the claims process, however, insurers will scrutinize the details of your answers to the medical questions. This thorough examination can lead to challenges in receiving payouts, as insurers will rely on errors or omissions to deny 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

The right insurance lawyer is essential when dealing with loan insurance challenges.

Our experienced lawyers have handled multiple cases and understand how insurance companies operate. They advocate for your rights, address any issues raised by insurers, and negotiate on your behalf. Our expertise helps you get the payout you deserve, streamlining the process and reducing stress for you.

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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