Critical Illness Insurance Claims in Ontario
Critical illness (CI) insurance is designed as a financial safety net for individuals diagnosed with severe health conditions. Unlike standard health insurance, this coverage provides a one-time lump-sum payment upon diagnosis of a specified illness. The policy typically covers serious illnesses such as:
- Cancer
- Heart attack
- Stroke
- Alzheimer’s
- Parkinson’s
- Major organ failure
- Paralysis
- Multiple sclerosis
- and more
After a diagnosis of a critical illness, the policyholder must undergo a specified ‘survival period,’ usually around 30 days, before the claim can be processed. This period is intended to confirm the persistence and severity of the illness.
If the claim is approved once the survival period is complete, the lump sum payout is made. These funds can be used to cover medical treatments, income loss, or caregiving expenses. Unfortunately, legitimate claims are at times denied by insurers. This is when the support of a critical illness insurance lawyer is needed.
McNally Gervan – Helping You Navigate CI Claim Denials With Confidence
Critical illness insurance claim denials often occur due to disputes over your policy’s coverage scope, particularly regarding pre-existing conditions or the severity of the illness. Insurance providers might also challenge the policy terms or allege non-disclosure at the time of application.
McNally Gervan’s team of skilled lawyers tackles these challenges head-on. We carefully review your policy, assess your insurer’s reasoning, and gather compelling medical evidence that justifies your claim. We also bolster our arguments with expert medical testimonies to counter objections your insurer may have.
Over years of appealing unjust insurance claim denials, we developed strategies to overcome the tactics insurance companies use to avoid fulfilling their financial obligations to you. Trust us to protect your rights and secure your benefits.
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Legal Representation for Critical Illness Claims in Ontario
Our approach to critical illness insurance claims centers on personalized legal advocacy. We understand the emotional and financial strain of a critical illness and strive to ease this burden through legal support that is adapted to your specific circumstances.
During your free consultation, we will provide insights into your policy, clarify your rights, and outline potential strategies for success. So If you’re facing challenges with a critical illness insurance claim, reach out to McNally Gervan today. We are committed to securing the support that was promised to you.
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