Insurance Claim Problems? Get a Top Notch Legal Opinion

Having Claim Problems? We can help!

Are you the beneficiary of a life insurance or disability insurance contract or an automobile injury claim, and find yourself at a stalemate with an insurance company?

Insurance claims aren’t easy. The insurance company has a legal department and an army of lawyers. It’s you against a stacked team.

We’ve decided to even your odds.

Just tell us your story in the comment box below and we’ll get you assistance with your problem from the law firm of Andrew Suboch B.A., LL.B. which has over 30 years experience successfully fighting insurance companies.

Successful litigation of personal injury claims, insurance lawsuits and claims settlement are our specialty.

Terms of Use – Disclaimer

PS. This page is for life and health insurance claim advice. We have a separate page for auto and property insurance claim advice.

True Stories

Background

At LSM Insurance, we are dedicated to helping life insurance claimants get a fair shake from insurers. We have always offered claim assistance to our own customers and are excited to announce our latest project.

We have teamed up with one of the top legal firms in Canada to help life insurance claimants get a legal opinion on their situation – for free.

Just tell us your story in the box below and we will give you our best advice based on areas injury law palm beach serve and the circumstances. Of course, we can’t investigate all the details over the internet, but if you tell us the full story, we can give you a pretty good idea of what your options and what your chances are.

We do sometimes publish our advice as a service to other consumers, but we always remove any personally identifying details from what you send us.

Tell us Your Story




Get the law on your side.

andrew
Andrew Suboch B.A., LL.B.

Andrew Suboch B.A., LL.B.

Barrister-At-Law

• Toronto Lawyer
• Personal Injury Attorney
• Dog Bites
• Motor Vehicle Accidents
• Wrongful Dismissal Claims
• Short Term Disability
• Long Term Disability
• Sickness / Accident Leave
• Pedestrian Knock Downs

More about Andrew.

Robin
Robin

I was driving home from work when another person ran a red light, I managed to avoid collision but hit a curb, the person expressed that they did not want to go through insurance but pay me damages instead. later she was delaying in payment so I called my insurance company to ask what I should do?…they put it through as a claim!… I didn’t want this and have not received any kind of money or lost damages or injury help from them, this was not fair, can I get this claim removed, they say it is an at fault… Read more »

Lynn Fitzgerald
Lynn Fitzgerald

My father passed away March 20, 2009 and up to the day before he died he believed his Visa Credit Card was covered by life insurance he had taken with them. I was notified not long after his death that the balance was covered by life insurance. Two weeks later I was advised that there was no coverage as they had cancelled the policy in June of 2008. I then called them back and said that they had been taking payments monthly through his Visa Card up to the date of his death and even into the next month. They… Read more »

Thomas
Thomas

I lost my life insurance beneficary policy. My cousin died. How do I find the company.

Rachel
Rachel

I have a critical illness insurance and I am diagnosed with a ovarian cancer. I am currently on chemo therapy. I have made a claim and it has been dragging over 3 months. Because I mentioned to my doctors that my 3 sisters had cancer who lived in the Phillipines. However I did not realized that they had cancer when I bought the CI insurance. Now the insurance company requested my sisters medical history, when they were diagnozed. Should I provide this information? Will this affect my claim as I did not mentioned in the application in time when I… Read more »

Wilton
Wilton

I would like to have a lawyer who would work on commission based and at the end he/she will get most of the amount of claim.

My engagement ring was 20 K and lost and now my house insurance had denied the case. I dont mind at this point just get a small portion of this amount like 2K and have the lawyer take the rest.

Please let me know if you know of any lawyers who would do this.

Thanks in advance,

Wilton

Lisa
Lisa

My husband dead in an accident. He does not has a will. He has a group life insurance from his company. I had been told he change the beneficiary to me in 2005 but I do not have a copy of that change. I recieved a letter from the insurance company one month before my husband dead. It says “you are receiving a duplicate copy of this letter because you are listed in our records as an interested party for this policy/ contract. When I try to claim this policy after my husband dead. They said I am not the… Read more »

Francis
Francis

Hi, My mom passed away in Dec. They had life insurance on their car and her claim has been denied because she had a mri 6 months prior to buying the new car. She had a small blood vessel bleed in her head and the mri was to make sure it stoped bleeding which it had.She passed away from a blood clot that moved in her leg 4 years later,the life insurance co. is claiming that it is related to her prior condation,even tho the agent new of her precondation they said it was not life theatning and sold them… Read more »

Regina
Regina

Hi we had a line of credit with the bank and had paid disability and life insurance premiums for years and years. I became ill in Jan of 2007, but did not receive a diagnosis until Sept of 2007. The bank deal with same insurance company I am still trying to get work disability pmnts from. Because I was having such a problem with the insurance company on my personal claim, I got the papers from the bank to claim for disability in July of 2007 but I thought it best to wait for a diagnosis prior to proceeding with… Read more »

Altaf Hussain
Altaf Hussain

I am working in a pest control company. I had a heart attack last week.doctor asked me for complete rest for at least one month.My job is a kind of physical work involving driving through out the day in GTA. I have a critical illness insurance plan with my bank. I need to ask if I should apply for Governmend EI assistance or claim for my insurance company.I need money for my daily house hold expences only. what should I do.
thank you.

Frank
Frank

Hi there, my wife and I took out a life insurance policy in May of 2008. My wife passed away in December 2008. I have submitted all required documentation only to learn that my claim has been denied on the grounds of material misrepresentation. On the initial application that the broker filled out my wife checked yes to the box that contained depression and anxiety however on the supplemental medical form that the nurse from the insurance company filled out she checked no. I am not sure how or why this error was not picked up by my wife or… Read more »

James
James

My brother got killed in December 2008, I had insurance on him since 1991. It has been 3 months as of yesterday of his death. I send in the death claim form and also the death certificate all that was required of me the beneficiary. I still have not recieved the death claim benefit she said the death is being investigated because of homocide. How long do I have to wait before they will have to release the death benefits. Thank you

Richard
Richard

I had purchased a critical illness and life insurance policy with SunLife Insurance in 2005. In April 2008 Iwas diagnosed with prostste cancer and had my prostate removed.I then put in a claim for my critical ilness insurance. Shortly after I put in the claim they denied me because of a minor procedure my father had over 20, years ago which I had no knowledge of. I answered all health questions truthfully. About a month later I recieved a letter in the mail stating they cancelled my life insurance policy.I then got some advice from a lawyer they told me… Read more »

Louise
Louise

I have a good friend who is employed and was in a management situation that caused a severe mental breakdown. He was directed by his physician not to return to work until he recovered. Although he diligently submitted regular doctor reports, he was given no direction from his employer, as to benefits he may be eligible for and due to his illness he was not in a frame of mind to pursue or go after support. When I met him, he had depleted all his sick pay and holiday pay. He had depleted any savings he had and was now… Read more »

Ted
Ted

Hello, My Claim with my insurance company to pay out the balance of a Line of Credit has recently been denied. This Claim was based on the indication in the policy that a “Stroke” could be grounds for the claim. The claim is based on the policy’s “Life / Health Crisis” requirements. I suffered a Cerebral Hemorage resulting from a Bleed at an Anuerism. The fact that this is a Stroke has not been denied. The Insurer has stated that based on the conversation with the Doctor..They have denied my clain as there is no detectable neurological deficit which is… Read more »

LMK
LMK

Thank you for your inquiry. We will be in touch with you soon. Regards … Lorne

Shojaei
Shojaei

I want to file a lawsuit on insurance company as soon as possible please give me a call at 416 509 3453

Ferdinand
Ferdinand

Hello,

My 53 foot trailer was stolen in July/2008 and I still haven’t been compensated. I received a call and was told that there was a mix up with the trailer lisence plate and that they were going to pay. During this time my tractor got reposessed in October and I believe the leasing company may have taken the proceeds of the insurance as well. I wanted to sue the insurance company as this caused me to loose my business. I also wanted to sue my broker for doing absolutely nothing to help. I live in Brampton.

Thanks,
Ferdinand

Rita
Rita

My common-law husband was killed in a single car accident in September. Because it was an accidental death his insurance company was to pay double. The insurance company paid off the basic life amount but has denied double indemity because he had an alcohol blood level of 0.25. Denial was because of intoxication. My husband drank alcohol on a daily basis for the 30 years that I have known him and has a high tolerance to alcohol. Is there any recourse that can be taken to substantiate payment of claim?

Rita

Linda
Linda

my truck was stolen. i had $25000 eqvipment in it. i bought truk and machineries together for $45000. everything is insuared. but insurance company is going to pay me $21000 for everything. is there anything can be done for this?

Grant
Grant

In Jan. me and my family were traveling along Hwy 10 stop at a red light @ square one Drive when we were rear ended by a Honda Accord no series injuries at the seen. The next day I contact my insurance company to put in a claim and they said my insurance was canceled 2 months ago duo to 1 missed payment and we were notified by registered mail but I did not get a letter from my insurance company now I am stuck with the damages and I want to get his insurance company to cover my damages.… Read more »

Dawn
Dawn

Evidently I did not complete the application for travel health insurance properly. My claim has been denied on the grounds that I did not disclose heart problems for which I was diagnosed and prescribed medication. True, but I had seen a cardiologist before signing up for insurance, and he said I did not have a heart problem and did not need the medication I had been prescribed. So I signed up for the insurance premium that said “90 days stability” even though it also said I was not to have had any heart problems in the past 10 years. I… Read more »

Geoff
Geoff

I work for a major Bank which provides short term D/I. I have been off on stress leave with a Doctors note. Manulife claims that they do not pay for stress leave. Can you help? Please answer by email. Thanks

Loretta
Loretta

Apparently, I signed up for a Life Insurance Policy one evening while I was slightly “intoxicated.” I wasn’t drunk enough not to remember, but I was definitely persuaded to buy it when I wasn’t at my best.

How can I get my money back? I don’t want or need this policy.

Thank you

Steve
Steve

My mother passed away years ago,, And when I was young she teased me about getting her car if and when the day comes, because she was going to write up her will. So I know she had a will. But we couldn’t find it. I am also pretty sure she had life insurance. But I was young and hurting and in no state to look into the matter, and didn’t know where to start. Now years later, a girlfriend of mine is going through the same type of situation with her family. So my question is, is there somewhere… Read more »

Mitchell
Mitchell

I am assisting a widow on estate. Husband had credit life insurance with bmo. Claim made in JUly doctor advises the insurance co has everything they need insurance co says doctor not responding.
What are your costs to intervene ?

LMK
LMK

Thank you for your question. Landy Marr Kats LLP has experience handling many similar cases. Each case is a little different. Disability claims are often very difficult for the insured, because while you are sick you need to gather the evidence proving your sick. Each company is different. Is short-term disability (“STD”) covered by the employer or an insurer? Sometimes employers hire an insurer to “adjudicate” the claim, while responsibility for paying STD rests with the employer. Other times premiums have been paid and STD benefits are the responsibility of an insurer. If the insurer or employer is acting in… Read more »

Cal
Cal

Hello,
My physician has declared me unfit for work (stress,anxiety and depression) and I have been waiting for short term disability since the end of september. They say that my claim is under review …………How long can they play the stalling and in bad faith game…..which is causing more health problems and undue stress in my family relationship?

Any information would be greatly appreciated and thank you very much
R. Colt

LMK
LMK

It is matter of contract between the client and the lawyer. It can vary between lawyers. Typically the defence will contribute something towards the Plaintiff’s legal costs and disbursements. If the settlement was say $100,000.00 inclusive of interest, claim and costs, a contingency fee would take say 30% of $100,000.00 plus GST plus disbursements, leaving the balance for the client. Sometimes the percentage is exclusive of the defence contribution. Usually, but not always the client is not expected to pay anything for disbursements (except out of the proceeds of settlement). Typically the client owes his lawyer nothing until the Defendant… Read more »

Cliff
Cliff

Would you please elaborate on “being paid on a contingency basis”. When a case settles is it a % of the settlement that is owing to you? Are disbursements taken from this percentage? Hearing so many different stories on this and want to know more before deciding on representation. Thank you.

LMK
LMK

Thank you for your question. It depends on the exact policy wording as well as a careful review of your “story”. We would need to see the denial letters and the policy wording. If you have that you could email it to me to take a look at. As for OHIP you should be making an application to OHIP, they will pay something, unfortunately OHIP rates are low compared to other jurisdictions and likely they will only pay a small fraction of the other bills. As there are deadlines for OHIP and insurance claims you should act immediately. If the… Read more »

Nolan
Nolan

I really hope that somebody here can refer me to which type of lawyer i should seek and any other advice god willing, i need it. 2 years ago I spent my year in working and traveling in Australia. On my travels on a night when i was intoxicated partying i feel off of a balcony and required brain surgery to relieve internal bleeding. After all was said and done my travel insurance company denied me of any payments leaving me with a 30,000 dollar bill, plus having to stay on rehab. Because of my alcohol level and that I… Read more »

Cindy
Cindy

Thanks Alec, I will do that.

alec
alec

Hello Cindy, I’m not LMK but I can help you from my own experience. Those “balance insurance” charges are indeed highly dubious. I had never approved such insurance on my own credit card. I managed to catch them within the first couple of years (if your card is fully paid off they can’t charge you which is why I didn’t notice early). In my case, I am an independent business person – the balance insurance does not apply to independent contractors or business people – only to salaried employees. So effectively I was paying for insurance for which I was… Read more »

LMK
LMK

Hi Cindy,

Unfortunately this is not the type of case we can help with.

I would recommend contacting http://www.fsco.gov.on.ca

Landy Marr Katz LLP

Cindy
Cindy

Hi, I am not sure if you deal with cases like mine. Mid Sept./08, I noticed that I was paying for insurance on my bank credit card which I never applied for/approved. I barely look at my statements but what caught my attention this time was that I was making payments with no changes on my balance. When i took a closer look I noticed a premium charge on my account. I contacted my bank which then referred me to the insurance company in charge. The company told me that I had been paying the insurance for the last 5… Read more »

LMK
LMK

Thank you for your question. Landy Marr Kats LLP has experience handling many similar cases. Each case is a little different. Long term disability claims are often very difficult for the insured, because while you are sick you need to gather the evidence proving your sick. In your case you really need to get your doctor to write a report that is supportive and says you are “disabled” as defined in the policy, provided of course that is the doctor’s medical opinion. If thereafter the claim is denied we can fight the case for you. The result will depend on… Read more »

Francis
Francis

My LTD claim – lady says she wants information from my care provider but wont go directly to him for information. He will not give me the information needed as he wants to contacted by insurance company directly. I am in a catch 22 i think my claim is only approved till next month. Insurance offered me a buyout and i turned them down now i feel they are gonna get me off anyway they can. I have been off approx. 4 years for mental disbility and still am unable to return to work and this is only addding to… Read more »

LMK
LMK

Thanks for the question. These cases are common and difficult. While it may seem unfair, the onus is on the one applying for insurance to be honest and answer all questions fully and accurately in the application process. Often the insurer does not due a full and proper investigation until after a claim is made. The legal issue usually is whether there was a “material misrepresentation.” In order to evaluate such a claim we need to see: 1. The application form; 2. The medical files; 3. The denial letter. At Landy Marr Kats LLP we have successfully handled these types… Read more »

Joyce
Joyce

We have mortgage disability insurance. In June of this year my 7 year old daughter was diagnosed with Brain cancer. After two surgeries to successfully remove a tumour from the cerebellum she underwent intensive radiation through July and August. Now she is an in patient for the next 4 months receiving chemo which will lead her back to health. I also have two other children ages 9 and 4. My wife is self employed and I have been off on stress leave from my career since diagnosis in the beginning of June. Once we understood the gravity of the situation… Read more »

Jason
Jason

My house burned to the ground in 2006, the insurance has not yet paid any monies to me, I hired N.F.A. in October 2007 in frustration and now they are supposed to have an appraisal on November 27th. The lawyer for the insurance company keeps saying that he will give a check for 100,000.00 as an advance but the check never comes . I need someone to help me with this. The value of the loss is about 3 million dollars. Now N.F.A. says I will need to have reciepts to prove the value of all my clothes, this is… Read more »

Sharon
Sharon

Hello I had been hit by an car from behind recently and my car was pushed into a front vehicle. I am already on short term dissability (lower back pain) for last two months and my wife was also sitting in passenger seat. I had picked up my wife from her work which she started about 10 days back and was going to chiropractor for my treatment. Unfortunately we both were hurt again due to sudden impact. I reported the collision to my insurance and nearest collision centre after we all exchanged the personal info. Later I left my car… Read more »

Sarah
Sarah

Hello, My travel insurance company is denying my claim. I found out I was pregnant on the 15th of sept. I took a blood test and it was confirmed. I was having slight spotting as well as slight cramping. I took another blood test on the 17th to confirm levels were increasing…and they were. The cramping and spotting stopped and I felt great. My levels weren’t doubling as they should of been but know that that is sometimes normal..all women are different. Found out my grandfather was sick and going to die in Holland, so had to book a trip… Read more »

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