What To Do When Your Critical Illness Insurance Claim is Denied

Critical illnesses are severe conditions that require critical medical treatment and can significantly impact your quality of life. With such a sobering set of circumstances, people living with critical illnesses must receive all the insurance benefits they need, right?

Not necessarily. Insurance companies regularly deny critical illness insurance claims to protect their bottom line. Too many Canadians battle their insurance company for life-saving benefits, only to be denied. For those who live with a critical illness, this is a harrowing experience.

If your critical illness insurance claim was denied, let Share Lawyers help you secure the benefits you deserve.

Are you wondering what to do when your critical illness insurance claim is denied? Share Lawyers’ experienced team can answer your questions.

Book a Free Consultation

What To Do When Your Critical Illness Insurance Claim is Denied

Insurance companies often deny valid claims simply to avoid paying out. They assume that people won’t bother to fight back because denials are so difficult to overturn.

However, it’s crucial that you take action as soon as possible. The best thing to do when your critical illness insurance claim is denied is to contact an experienced insurance lawyer like Share Lawyers.


Why You Should Reach Out to an Insurance Lawyer When Your Critical Illness Insurance Claim is Denied

Complex Appeals Process

Appealing a denied claim on your own can often lead to further denials.


Insurance companies may continue to reject your claim if the appeal is not meticulously prepared and supported by comprehensive evidence.

Time-Consuming Effort

Even if you successfully overturn the denial, it may take several appeals, prolonging the time before you receive your insurance payout. Taking on the appeals process can be distressing when you are dealing with critical medical issues.

Policy Interpretation

Insurance policies can be difficult to interpret. We’ll help you understand the terms and conditions and ensure your claim meets policy requirements.


The nature of critical illness policies allows for arguments based on similarities to specified illnesses. We can leverage this factor by identifying ambiguities or overlooked provisions to support your claim.

Expertise in Handling Denials

We are experienced in denied insurance claims and can navigate the process to fight back against your insurance company to pay you for your policy.


We understand the intricacies of insurance policies and know how to effectively counter the reasons for denial.

Comprehensive Documentation

We gather and organize all necessary medical records, test results, and treatment plans to ensure that every piece of relevant evidence is included to strengthen your appeal.

Effective Communication

Insurance companies are more likely to take your claim seriously when a lawyer is involved.


We handle all correspondence, negotiations, and discussions with the insurance company on your behalf.

Maximize your Chances of Success

Our knowledge and experience significantly increase your chances of a successful resolution.


We know the common pitfalls and how to avoid them.

Let Share Lawyers Fight for You


We understand the challenges you face when your critical illness insurance claim is denied. We're here to fight for the benefits you depend on. Here’s how we help:

  • Assess your medical condition and its impact.
  • Collect and organize comprehensive medical records to support your claim.
  • Interpret your insurance policy to identify supportive provisions and address ambiguities.
  • Manage all communications and negotiations with your insurance company.
  • Take legal action if necessary to secure your policy payout.
  • Provide access to our exclusive Life reBUILDER™ service, offering support and resources to help you rebuild your life during and after your claim process.

For over 35 years, we've held insurance companies accountable, helping Canadians like you obtain the benefits they deserve. Most of our clients receive their benefits without going to court because insurance companies know we mean business.

It all starts with a free consultation, and you won’t owe us anything until you win.

Still need more information on what to do when your critical illness insurance claim is denied? One of our lawyers will help you understand your situation and provide a path forward.

Contact Share Lawyers today and let our 35+ years of experience work for you. We can help you win your case againstCanada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. Our legal team offers a free consultation and works on a contingency basis. There are no fees unless you win your case.

We’re here to support you during this difficult time

How can we help?