ISSUE 35, AUGUST 2013

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Disability Benefits Denied:
What To Do When The
Insurance Company Denies
Your Disability Claim

SETTLEMENTS

Since our last issue, we have settled cases with:

  1. Canada Life
  2. RBC
  3. Manulife
  4. Blue Cross

IN PERSON: Yuki Watanabe Alzheimer’s Diagnosis, Insurance Denied on Technicality

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.

TROUBLING SYMPTOMS LEAD TO A BLEAK DIAGNOSIS

At first, the morning scavenger hunts for his wallet and car keys were a source of great entertainment for Yuki’s children. But Angel and the kids grew worried when Yuki’s 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 Yuki’s symptoms became clear: he had Alzheimer’s.

A LENGTHY WAITING PERIOD

When Angel and Yuki filed a claim with their insurer for Yuki’s critical illness benefit, they

Kim family

waited for the cheque in the mail, but didn’t give it much thought while they focused on Yuki’s wellbeing. After all, they had been paying premiums for 16 years and felt that the protection they were paying for was absolute.

INSURANCE COMPANY CRIES “MISREPRESENTATION”

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.

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