Understanding and Navigating Long-Term Care Insurance Claims

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 care insurance claims are denied

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

Our Services

If your claim has been denied or delayed, our experienced team will guide you through the process and fight for the outcome you deserve.

Accidental Death And Dismemberment Claims

If you need help with appealing the denial of your AD&D claim, our experienced lawyers will ensure you get the compensation you're rightfully deserve.

Critical Illness Insurance Claims

Being diagnosed with a critical illness is challenging enough without the added burden of a denied claim. We’ll review your case, clarify your rights, and work diligently to ensure you receive the coverage you’re entitled to.

Long Term Care Insurance Claims

If your claim for long term care insurance benefits has been denied, you can appeal the decision. Our lawyers will review your case and advocate for your rights.

Travel Medical Insurance Claims

Medical emergencies while travelling can lead to unexpected expenses. If your travel medical insurance claim has been denied, we’ll work on your behalf to secure the coverage and reimbursement you’re owed.

Life Insurance Claims

Losing a loved one is never easy, and a denied life insurance claim can make it even harder. Our team will support you through the claims process and advocate for the financial assistance your family needs.

Loan Insurance Disability Claims

Loan insurance is designed to provide financial security when illness or injury stops you from working. If your claim has been denied, we’ll take action to challenge the decision and help you secure the benefits you rely on.

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 dedicated litigation lawyers have extensive experience handling long-term care insurance cases in Ontario and across Canada.

We recognize the emotional and financial strain that a denied claim can place on you and your family.

Let our lawyers fight for your rights, ensuring you receive the benefits you deserve. With us by your side, you can focus on planning your care and securing peace of mind for the future.

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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