ISSUE 39, JANUARY 2014

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Denied: What To Do When The
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SETTLEMENTS

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  1. Sun Life
  2. Desjardins
  3. Industrial Alliance
  4. Standard Life
  5. Great West Life, and more

IN PERSON: George Christopoulos Accidental Death & Dismemberment Policy Denied

As a single father of three teenage girls, George Christopoulos was a
hard-working entrepreneur who took his financial responsibilities seriously. He ran a successful automotive shop in Aurora, Ontario, that provided well for his family.

Knowing that his livelihood depended on his health, George had purchased a life insurance policy, along with an accidental death & dismemberment (AD&D) rider, when he and his late wife first started their family. He paid the premiums dutifully, never really thinking he would have to use the insurance. Although he had diabetes, he was otherwise in good health.

CAR ACCIDENT CAUSES INJURY

One winter evening, George was driving home from work during a particularly heavy snowfall, when he was t-boned by a car that had fish-tailed out of control. The impact was so devastating that the driver’s side of George’s car was crushed, causing a concussion, broken ribs and a deep wound to his lower left leg. He was rushed to the hospital with critical injuries.

INJURY CAUSES INFECTION

While in hospital, the wound in George’s leg became severely infected and could not be managed by antibiotics. His leg had to be amputated below the knee.

George Christopoulos

A CHALLENGING RECOVERY

The accident and subsequent amputation devastated George and his family. Worried about their wellbeing, he pushed forward. He was fitted with a prosthetic leg and began physical rehab and counselling. George’s children stepped up to the plate and took turns taking care of him when they were not in school. Throughout all of this, his shop remained closed. Bills piled up. It was time to turn to his insurance.

THE FALSE SAFETY NET

After months of waiting for a response regarding his AD&D benefit, George took another major hit when the insurance company sent him a letter refusing to pay out the benefit. According to them, the loss of his limb was caused by complications due to diabetes, not the car accident.

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