ISSUE 41, MARCH 2014

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FREE DISABILITY
BOOKLET

Call (416) 488-9000 for your
free copy of Disability Benefits
Denied: What To Do When The
Insurance Company Denies
Your Disability Claim.

SETTLEMENTS

We have recently settled cases with:

  1. Sun Life
  2. Great West Life
  3. Johnson Group Inc.
  4. RBC
  5. Blue Cross
  6. Standard Life,
    and many more

IN PERSON: Jayne Williams Breast Cancer Patient Denied Critical Illness Benefit Due to Alleged Misrepresentation

As a busy dance teacher, mother and wife, Jayne Williams had many responsibilities to fulfill on a daily basis. Maintaining good health and a balanced life were important to her, as was having a reliable financial protection plan in case she became ill. She purchased life and critical illness insurance coverage when her first child was born – about seven years prior to receiving a life-changing diagnosis.

TROUBLING TEST RESULTS

During a routine breast exam, Jayne’s family physician detected a lump in her left breast and immediately ordered a biopsy. When the tests came back a week later, Jayne, at 46-years-old, was diagnosed with breast cancer.

INSURANCE COMPANY REQUESTS COMPLETE MEDICAL HISTORY

Jayne had surgery to remove the tumour and began adjuvant chemotherapy. Due to the effects of chemo, Jayne had to stop working. She tried to remain positive. Knowing she had insurance coverage gave her the peace of mind to focus on getting through her physically and emotionally taxing cancer treatment.

George Christopoulos

She filed a claim with the insurance company for her $250,000 critical illness benefit. The insurance company responded to Jayne after many weeks, requesting her complete medical records.

POLICY VOID DUE TO ALLEGED MATERIAL MISREPRESENTATION

After taking months to review Jayne’s claim, the insurance company sent her a letter stating that she had omitted medical information on her initial application for coverage. Due to this so-called misrepresentation, her policy was void. They included a cheque with their letter. It was a return of the premiums she had paid for the last seven years. Jayne felt crushed.

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