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Disability Benefits Denied:
What To Do When The
Insurance Company Denies
Your Disability Claim
Yuki and his wife, Angel, purchased life and critical illness insurance shortly after they decided to start a family.
16 years, thousands of premium dollars and four kids later, the Watanabe family was devastated when Yuki was diagnosed with a serious illness and—to add insult to injury—denied benefits by their insurance provider.
At first, the morning scavenger hunts for his wallet and car keys were a source of great entertainment for Yukis children. But Angel and the kids grew worried when Yukis forgetfulness became increasingly common and left him angry and confused.
One of the most concerning instances was when Yuki became lost on his drive home from work and had to call his wife for help.
Angel urged Yuki to visit his doctor. After undergoing various medical tests, including a neurological exam, the source of Yukis symptoms became clear: he had Alzheimer’s.
When Angel and Yuki filed a claim with their insurer for Yuki’s critical illness benefit, they
waited for the cheque in the mail, but didnt give it much thought while they focused on Yukis wellbeing. After all, they had been paying premiums for 16 years and felt that the protection they were paying for was absolute.
When seven months went by without a response, Angel called the insurance company for answers. They sent a letter in the mail a few days later, refusing to pay out.
The insurance company alleged that when Yuki completed the initial application for coverage 16 years earlier, he had failed to note that one of his blood tests had shown higher than normal blood pressure.continued on page 2