Has Your Disability Insurance Claim Been Denied Due to a Pre-Existing Condition?

Posted on July 27, 2018 (July 5, 2024) by Kotak Law

Many short term disability and long term disability policies contain a provision to exclude coverage for pre-existing conditions if the disability occurs within one year after disability coverage begins. Typical wording in disability insurance policies is that a pre-existing condition is not covered if the employee was treated by or consulted a health practitioner for ...

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Has RBC Denied Your Disability Insurance Claim?

Posted on July 17, 2018 (June 16, 2023) by Kotak Law

RBC Insurance is the largest Canadian bank owned insurance organization. RBC sell short term and long term disability insurance policies. Many of our clients at Kotak Law have been surprised and upset when RBC has denied or terminated their disability insurance claim. Sometimes they are told that there is insufficient medical evidence or that the ...

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Is Sun Life Ending Your Disability Insurance Benefits After Two Years?

Posted on July 9, 2018 (July 5, 2024) by Kotak Law

Have you received a letter from Sun Life stating that you have been receiving disability benefits for two years but those benefits will now be terminated? You are not alone. Most Sun Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the ...

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Is Great- West Life Stopping Your Disability Insurance Benefits After Two Years?

Posted on July 3, 2018 (July 5, 2024) by Kotak Law

Have you received a letter from Great-West Life stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Great-West Life disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the ...

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Has Cigna Denied Your Disability Insurance Claim?

Posted on June 25, 2018 (June 16, 2023) by Kotak Law

Cigna is an American worldwide health services organization based in Bloomfiled, Connecticut and Philadelphia, Pennsylvania. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance. One if its subsidiaries is Cigna Life Insurance Company of Canada whose head office is in Toronto, Ontario. According to wikipedia in 2017 Cigna had a ...

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Is Manulife Stopping Your Disability Benefits After Two Years?

Posted on June 15, 2018 (July 5, 2024) by Kotak Law

Have you received a letter from Manulife stating that you have been receiving disability benefits for two years but those benefits will now be stopped? You are not alone. Most Manulife disability insurance policies in Ontario have a change of definition clause in terms of how total disability is defined. Usually for the first two ...

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Has Empire Life Denied Your Disability Insurance Claim?

Posted on June 8, 2018 (June 16, 2023) by Kotak Law

The Empire Life Insurance Company (Empire Life) was first incorporated in 1923. Its head office is located in Kingston, Ontario. Empire Life is a subsidiary of E.L. Financial Corporation. In 2017 Empire Life boasted a net income of $170.936 million dollars. Empire Life claims to have $17.3 billion in assets under its management. Empire Life ...

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Has Equitable Life Denied Your Disability Insurance Claim?

Posted on June 4, 2018 (June 16, 2023) by Kotak Law

Equitable life of Canada (“Equitable Life”) states in its website that it is one of Canada’s largest mutual life insurance companies. It’s head office is located in Waterloo, Ontario. In 2017 Equitable Life boasted a net income of $106 million and assets under its administration in the amount of $4.1 billion. Equitable life sells long ...

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Failure to Obtain Medical Treatment and Follow Your Doctor’s Advice Could Hurt Your Ontario Disability Claim

Posted on May 28, 2018 (July 5, 2024) by Kotak Law

Most short term and long term disability insurance policies state that in order for you to receive benefit payments you must not only report your symptoms to your physician but also comply with the treatment recommendations that your doctor gives you. Furthermore, if you have not told your doctor about the condition that is preventing ...

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Has Blue Cross Denied Your Disability Claim?

Posted on May 18, 2018 (June 16, 2023) by Kotak Law

The Canadian Association of Blue Cross Plans (“Blue Cross”) is an association of regional not-for-profit health and travel insurance providers in Canada. Its headquarters is located in Etobicoke, Ontario. Blue Cross sells long term and short term disability insurance policies. Many of those disability insurance policies are offered through employers. Many of our clients at ...

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Long Term Disability

Category: Long Term Disability