ISSUE 43, MAY 2014

SHARE PERSPECTIVES

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. The Co-operators
  2. Sun Life
  3. Industrial Alliance
  4. Desjardins
  5. Equitable Life, and more

IN PERSON: Ahmed Mehrani Stroke Survivor Denied Critical Illness Insurance

As a retired nurse, 60-year-old Ahmed Mehrani had often been witness to the emotional, physical and financial challenges faced by patients who had lost their independence, not to mention the heavy toll placed on their families. He did not want his wife, Betsy, and their children to struggle if he was ever in need, so he purchased a critical illness insurance policy for $250,000.00—hoping, as everyone does, that he would never have to use it.

STROKE CAUSES COGNITIVE IMPAIRMENT

Over three years after purchasing his insurance policy, Ahmed had a stroke. He was preparing dinner at home when the stroke occurred. Betsy called 911, allowing him to receive immediate care that ultimately saved his life. Once his condition was stable, it became clear that the stroke would have a lasting impact on his health.

IN NEED OF LONG-TERM CARE

Ahmed was left with cognitive impairment, including poor short-term memory, confusion and the inability to speak in coherent sentences. It impacted the quality of his life tremendously. Betsy had to be by his side at all times to assist

Mia Wright

with transportation to doctor’s appointments, the administering of medications, rehabilitation and other daily tasks.

INSURANCE CLAIM DENIED

As their savings diminished and they began to crumble under the stress of getting through each day, Betsy quickly realized that she needed help. She submitted a claim to the insurance along with the required medical documentation from Ahmed’s specialists. The insurance company reviewed Ahmed’s file and asked him to undergo cognitive testing with their inhouse specialist. He cooperated willingly. Five weeks after the tests, the insurance company wrote to Ahmed and Betsy, stating that while the test results did verify cognitive impairment due to stroke, the impairment did not meet the criteria listed in his critical illness policy. They denied the claim.

continued on page 2