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
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More about Andrew.

petro
petro

My husband has had his kidney removed
due to failure caused by blockages by kidney
stones. He has an old norwich life insurance policy that
claims only benefits for accidental loss.
the company is now liberty life . the policy was taken out in 1991. can he claim

Elizabeth
Elizabeth

I have sent in claim forms as my husband …. died on ….. and I haven’t heard anything yet. Could you let me know what ia happening do I need to fill out more forms Did you receive my forms Would you send me new forms to fill out so I can get some action Thank you

Donna
Donna

took out ins on my mom now …. is not wanting too pay off on the claim been over 5 months now

LSM Insurance
LSM Insurance

You could ask for a copy of the policies and also check with the insurance company

ANDREA
ANDREA

my mom passed a month ago. She had 3 life insurance policies each $100000.00 her finace man told us they are only worth $10000.00, can this be true?

LSM Insurance
LSM Insurance

I’m sorry to hear that. You would have to contact the insurance company directly to start the claims process. The attached directory may be helpful https://lsminsurance.ca/canadian-life-insurance-companies/comment-page-2#comment-319288

Marlene
Marlene

My husband passed away on March 21, 2013.
Can you advise the status of his policy ….

Norma
Norma

My wife was identified with genetical disease in …. Disease was progressive and very rare disease. she was able to do all activity during insurance started in 2003. Insurance agent came to home and filled all application form and she just signed the form. She informed all medical conditions and gave her medical health card information for medical history review. Insurance agent also took swab sample. mean, we clearly told about her medical conditions. Now, she got permanent disabled in 2011 as she can’t walk and can’t do any activity at age of 34 years. so, we tried to claim… Read more »

Latasha
Latasha

Hi I just have an enquiry really, My dad had a life insurance and upon reading his insurance policy, It says that pre exsisting conditions only apply after 3 yrs. My dad died a month before this 3 yrs is it even worth it to claim on this?

Toby
Toby

My father passed away in … …. He had cosigned on a vehicle loan for my brother, and opted for the life insurance that was offered. I just received the coroner’s report, and it indicates the immediate cause of death as ….. . Contributing factors are listed as …. and tobacco use. My father had been diagnosed with …. just prior to applying for the life insurance,but was managing it well at the time of death. He had not been diagnosed, investigated or given any treatment for the …… and the medical records will confirm this. Can the insurance company… Read more »

Andy Suboch
Andy Suboch

I am an individual who has practiced in the area of personal injury/ insurance law for more than 20 years. I have been asked to respond to the below. Beneficiaries in insurance policies can be changed. What really is of concern is if there was a separation/ divorce agreement which addressed the issue of who was to be the beneficiary of a life insurance policy. I do not practice family law so you or your daughter would best be served discussing the issue below with a person who practices in that area of law. Beneficiaries can be changed but it… Read more »

Ted
Ted

My daughter has been divorced approximately 6 months and her ex-husband’s life insurance policy was part of the divorce settlement. He had a kidney transplant over … years ago; therefore carried a life insurance policy. He died of terminal cancer on …., which was diagnosed approximately a year ago. He remarried just before …. When they separated (approximately 2 years ago) their 17 year old son lived with her in the residence. She continued with the insurance payments, for which she took responsibility during the 20 year marriage, with the understanding that upon his death, she would be the beneficiary.… Read more »

Andy Suboch
Andy Suboch

Dear Ms Cater, I am a person duly licensed to practice law in the Province of Ontario who has been asked to respond to your enquiry below. I have practiced in the areas of personal injury and insurance law for more than 20 years. In my opinion, you seem to have a valid claim that is subject to what might be described as a priority dispute between insurers. Their coverage issues, based on what is set out below, in my opinion, ought not to impact on the fact that you seem to have a valid claim. They seem to be… Read more »

Ted N
Ted N

Here is my dilema. I was insured by group benefits through work. I was off for … on ltd. During that time my employer switched insurance carriers in which I did not know till I returned to work. I paid premiums to the new insurance company and thought everything was fine, until I got sick again. I now know I will never be able to go to work in any job. I filed a claim with my new carrier for ltd. I was denied. They state that its a re-occurance and the old carrier is responsible. However the old carrier… Read more »

Tory
Tory

Hi, I’m glad I found this forum. I have been off work due to illness since the end of … . I was suffering from sever diarrhea and other. I had been to see my family Dr Back in … for the same issue and was referred to see a GI specialist. That appointment was scheduled for September 10th. On A… I was admitted to hospital. I was not taking care of myself and now dehydrated and unable to keep anything down. It was then that I was seen by a psychiatrist. I was diagnosed with… and then a couple… Read more »

Andy Suboch
Andy Suboch

Based on what you have told me (albeit without the benefit of reviewing the policy and terms/conditions therein), it appears that not only might you have a very good claim as against Sunlife, you might also have a basis for a bad faith claim so as to justify an award of punitive damages.

If you would like to discuss further, please call Stephanie at my offices to arrange for a free consultation. She can reached at 416-815-1331 x221.

Regards,

Andy Suboch

Teddy
Teddy

I was injured while working. The resulting injury required surgery. My LTD insurance provider provided me with my benefits during recovery an ongoing. I was forced back to work and within a month was unable o work again due to my injury. Physicians, surgeons and specialists all said I was not capable of doing my job. My employer is unwilling to accommodate me. My LTD insurance provider has been making me fill out paperwork, get doctors reports and then different reports and tests and exams; an the. Requesting different things saying the things they initially requested wasn’t what they needed.… Read more »

TheoWalcot
TheoWalcot

This is what exactly I was searching, the information was overall very useful for me, thanks a lot.

Rudy
Rudy

I am an …. ,my wife and I own a ….. we specialize in …. t. In …. I fell and injured my shoulder making all of my daily duties impossible to complete.I am covered by the …. insurance from …. which should pay me if I am unable to work. My wife takes care of all customer relations,billing and service advisor work. Last year we hired our only other employee an apprentice.If not for him we would be shut down period. My wife does not drive so each day I drive her to work to open up and stay… Read more »

Andy Suboch
Andy Suboch

I am a solicitor duly authorized to practice law in the Province of Ontario who has been asked to respond to your inquiry below. I have been involved in the area of insurance law for more than 20 years. Why ….. won’t pay until “this is settled” ie. the claims under the Succession Law Reform Act is beyond me. A will like an insurance policy is a contract. The insurance contract stipulates who gets the money, that is the beneficiaries of the insurance contract. Unless there is some issue as to undue influence causing a person to erroneously include someone… Read more »

Teresa
Teresa

I am a beneficiary on my ex husbands insurance along with a friend of his plus his present wife. He died ….. the present wife is holding up my claim as she is claiming all the money under the Succession Law Reform Act. Can she do this/…. wont pay until this is settled.

Andy Suboch
Andy Suboch

Submitted on 2012/10/22 at 3:31 pm Without reading the policy of insurance I cannot advise you as to whether you may or may not have a cause of action as against the insurance company. However, if you had no idea that the vehicle was modified and changed in a MATERIAL way then I am of the general opinion that the insurer is acting improperly in denying your claim. Even if the policy stipulates that if you modify your vehicle without notifying the insurer, it can and will deny my claim, I am of the opinion that any such “modification” must… Read more »

Terrence
Terrence

In …. while waiting for provincial health coverage, I have purchased private medical coverage. On …. I filled out an insurance claim (2 pages) for an emerg room visit. The 2nd page of the claim included an Authorization section that states: “I authorize any doctor, hospital, or facility providing medical or health related services, and any other insurer to release and exchange with TIC or its representatives, any information that is required to process this claim.” The said authorization was signed on ….. . In …. I filed another claim with the same insurance company for a 3 day hospital… Read more »

Linday
Linday

I am … old and my parents divorced when I was eight,my mother died while being married to another man six years ago and was left fifteen thousand.My father died about a year ago and we just received the cause of death and Coroners report and his death was classified as accidental due to …… n.It was accidental because he only took the medication prescribed to him as in percocet,sleeping oils and pills for his gastritis,it stated that he was vomiting pure blood all night before he was found dead and that “the significant degree of blood loss would have… Read more »