Life, long term care and critical illness insurance coverage is an important financial safety net and a crucial element of financial planning. If your claim is denied, you need to have an advocate who understands the reasons for the denial and how to effectively challenge the insurer’s decision. Critical life events like the premature death of your loved one or a debilitating illness can cause your family to experience significant expenses and reduce your family’s standard of living. In these crucial times, having the right legal support ensures insurance companies honour their commitments.

Was your claim for life insurance,
accidental death coverage, or critical illness denied?

Many insurance claims are wrongly rejected and can be successfully challenged. At Burn Tucker Lachaîne, we understand the policy language and the reasons that insurance companies deny claims. We understand the challenges our clients face and are committed to balancing the scales in their favour.

These claims may be denied for any of the following reasons:

Pre-existing condition
Lapse of coverage/non-payment of premium
Failing to disclose medical history
The insurer alleges that the condition does not satisfy the policy definition

Was your claim for long term care insurance or out of country medical expenses denied?

A debilitating illness of a family member can be financially crippling for the insured’s family members. Equally, an unexpected surgery or accident occurring out of the country can cause staggering financial expenses. When these types of claims are denied, you need to hire an experienced lawyer who knows how to navigate the intricacies of underwriting requirements and the policy terms. We have the necessary experience and knowledge to effectively challenge these denials.

These claims may be denied due to:

Changes in the insured’s treatment or condition in the months prior to travel
Failing to disclose a recent appointment or test on the application
An innocent omission of a relevant health issue on the application
Medical providers’ comments or notes which were not known to the applicant

Our experienced lawyers litigate insurance claims across Canada

Facing a denial from your insurer on claims related to life insurance, critical illness, long term care or out of country medical insurance can be disheartening. However, help is within reach. To effectively challenge these decisions, prompt action is vital. Our team of expert lawyers is equipped to navigate the complexities of the insurance landscape to help you obtain your benefits.

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.

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: 613-909-4614

What our clients say:

  • Five years ago I needed a lawyer and was in search of one, on this very faithfully day I located Burn Tucker Lachaîne on google. I immediately called booked an appointment with Colleen Burns, from that appointment on till the end she was amazing. She is very professional, she knows what she is doing. She take her time and most importantly she was not only my lawyer she was a friend. Anytime I emailed her she will respond and get me all the answers I needed. I remember in mediation I almost settled for nothing. Because I was just tired and frustrated with the process and all. But let me tell you, Colleen been the best lawyer hands down explain to me what I didn't understand and assured me to trust her she will fight for me, and that I deserve better. I listen and I can boldly say she was right. She kept her word, she worked overtime, she worked tirelessly for the best outcome. Her assistant what can I say, so much. She is so professional, she can answer my questions just as if its Colleen am talking too. When am at my lowest they were there for me. I am forever grateful. My case may be over but I know I found friends for life. I would recommend Burn Tucker Lachaîne to anyone, any day, anytime. All you need is patience and faith for the best outcome and I promise you that's what you will get at the end. Colleen, Deborah, Nicole and the rest of the team thank you, thank you, thank you, thank you. You all are amazing, I will miss you all but better believe that I will be checking in with you all from time to time because after fighting for me the way you did, I can't and will never forget that. I truly appreciate you all so so much.
  • 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.
  • Very helpful and compassionate team!
  • 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.
  • 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.
  • This team of professionals were able to assist me and I would highly recommend them.
  • I am immensely grateful to the entire team at Burn Tucker Lachaîne Personal Injury Lawyers for their exceptional service and support throughout my case. A special thank you goes to Colleen Burn and Sue Lepine, whose dedication and expertise were instrumental in achieving a great result. Colleen Burn, as my lawyer, consistently demonstrated her profound knowledge and commitment. Her guidance was invaluable, and I always felt confident that my case was in capable hands. Sue Lepine, the law clerk, provided outstanding assistance and was always there to answer my questions, no matter how small. Throughout the entire process, the team at Burn Tucker Lachaîne was compassionate, responsive, and professional. They truly put their clients first and were always available during the tough times. I highly recommend Burn Tucker Lachaîne Personal Injury Lawyers to anyone in need of legal support. Thank you for your hard work and for putting your trust in me as a client.
  • 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.
  • 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.
  • Eliane and her team were fantastic to deal with. They were prompt, professional, always on time, thorough and thoughtful. Eliane really did her homework and shined in the proceedings. She was simply amazing and would always keep me in the loop during this long process. Debi was always awesome as well and kindly reminded me if they needed an answer or document. Overall, I would score them 10/10 and would not think of using anyone else if in need. Would recommend this to anyone looking for amazing representation. Thank you, all your hard work was certainly worth it.
  • Hello !!! My experience with " Burn Tucker Lachaine" Was extremely fast.....over the years.... I always had guidance from Laurie Tucker an Lori Mitchell plus other staff members. It was hard for a little while but things always seem to go well. All in all it's 100% Best recommendation for Personal Injury lawyer Burn Tucker Lachaine got me what I deserved!!; Thanks for all the support throughout the years.
  • I had the pleasure of working with Laurie Tucker for a couple of years and have had nothing but polite, professional and just overall good experiences with her and the staff. She was very understanding about my situation and did everything possible to assure we had the best outcome. Very highly recommended!
  • I recently had a successful conclusion to long and sometimes frustrating case, but thankfully i had been advised to seek the help on Burn Tucker Lachaine P.C as my legal council, where I met Laurie Tucker and the staff from her office. They were very professional and friendly and as i was about to find out very hard working and dedicated to my needs. My case wasn't a multi-million dollar case by any means but they works as if it were, long hard hours were obviously spent procuring the best possible settlement and to bring it to an agreeable finish. It is without reservation I would recommend this law office for your total satisfaction.
  • Laurie Tucker is an excellent lawyer and I feel very lucky that she took on my case. She always kept my best interests in mind and gave me excellent counsel.
  • Colleen Burn handled my lawsuit. When I had questions over the three years of the lawsuit I could always ask Colleen and she always responded to my emails. She also was accommodating and because of my anxiety in cars came to my home for any meetings we needed to have. During mediation Colleen explained each offer and each step as it progressed. In general, I am pleased with how it all settled.
  • Sincere thanks to Colleen Burn and her team for their outstanding support and handling of my claim. From my first inquiry until my claim was settled I was impressed with the clear communications, prompt responses, professionalism and honest advice. I highly recommend this firm to anyone looking for a practical, honest approach, and a personal touch. From a client perspective, this firm exceeds expectations.
  • I was desperately trying to find a new lawyer as my lawyer from another firm abandoned me only a few weeks before my 2nd knee operation due to an accident. It was Colleen Burns herself who answered my telephone call. She did not rush me but listened patiently as I was in a turmoil. My ordeal started in September 2013 and we were now in October 2017. Throughout the years, there were a few bumpy moments but Colleen is super patient and realistic about cases and what one can expect. Finally on February 7th there was a settlement. After all that time, I can finally put that awful time behind me. So thank you Colleen and your team for having supported me through that miserable experience and come out of it as a winner.
  • "Colleen Burn is a hard working, kind and caring person. By the help of my wonderful lawyer we overcame the problems. After my trial my appreciation for Colleen's work is great, now and for the rest of my life."
  • "We wanted to again thank you and your team. We so appreciate the way you handled our case. You managed to keep the technical aspects of the case easy to understand and you showed patience and understanding when it was most needed."
  • "I wish to thank Eliane for her hard work and dedication throughout my case. She gives off an aura of strength and that is always very present especially when you meet with opposing counsel."
  • "I would like to say thank you to you, Laurie, for being the most outstanding lawyer I could have ever hoped for. No matter what 'the other side' was doing, I felt confident in my own team and knew that you had my back."

By your side,
and on your side™

Our lawyers are proud members and supporters of the following organizations:


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