Long term care insurance (LTC) is intended to help pay for nursing home facilities, hospice care, adult day care and to provide assistance with activities of daily living such as bathing, dressing and eating. An essential element of making a claim for LTC is proving that the insured person satisfies the policy terms. We can help you navigate the claims process and determine what medical evidence you need to support your claim. If your claim is denied, we can help you challenge the decision.
Long-term care insurance can also provide financial support for a family member to stop working and care for their ailing loved one. While this coverage is meant to offer financial security and peace of mind, sometimes these claims are unexpectedly denied. In these situations, having the right legal support is crucial.

Common reasons why long term insurance claims are denied

Eligibility criteria not met
Pre-existing conditions
Lack of medical documentation
Policy exclusions

Claims and appeals often result in denials

LTC denials often involve claims about the insured person’s medical disclosure or health status at the time the policy was purchased. Do not accept your insurer's denial as final. Our skilled lawyers have the right expertise to challenge your insurance company’s decision. We fight for the compensation you deserve.

Your insurance agent/ broker may be liable

If your claim has been denied due to errors in your application for coverage when your agent sold you the policy, our experienced lawyers are ready to explore all avenues for compensation with both the insurance company and the agent you trusted to protect your interests.

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 litigation lawyers handle life insurance cases in Ontario and across Canada.

We understand that you are grieving and that the denial of the insurance adds to your distress.

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

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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.
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