Ask A Lawyer: Surgeries and Life Insurance

Q: My mother passed away due to complications from gastrointestinal surgery. I am her life insurance beneficiary, but I have been denied the benefit monies because the insurance company says it does not cover death caused by surgery. Is there anything I can do?

Ensure that you have a copy of the actual policy and review the clause that they are relying upon. Often the clauses are open to interpretation and you should have the policy wording reviewed by a lawyer experienced in dealing with life insurance claims.

Q: I’ve been on long-term disability for over five years now, and I’m concerned that they might cut me off. The insurance company is back in touch with me, asking questions, and suggesting I see certain doctors. What if I do not want to cooperate with their meddling?

A: Co-operation with “reasonable” requests of the insurance company is a requirement under the policy. Failure to co-operate will result in benefits being terminated. Try to use your treating physicians as advocates for you whenever possible.

Q: After taking six weeks off work due to a surgery, I was informed that my employer has terminated my position. I did not have a chance to apply for my long-term disability through my group insurance benefits. Is there anything I can do at this point?

A: You should insist on being provided with these forms so that you can submit a claim to your disability insurance carrier even though your employment has been terminated. If the disability arose during a period in which you were actively working as an employee, you should still have coverage, as long-term disability coverage is usually based on the initial date of total disability. When you are not getting cooperation from your employer, or they refuse to provide this information to you, you could try to receive the forms directly from the insurance company. If that still doesn't get any results, you should consider contacting us to further discuss your legal options in such circumstances.Has your long term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case. Find out if you have a disability case.We have recently settled cases against Standard Life, Blue Cross, Manulife, RBC Insurance, Sun Life, and many more. Please share your own experience with us, we love hearing feedback from our clients.

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