What Rights Do Beneficiaries Have If Their Life Insurance Claim Has Been Denied?

Life insurance can provide a financial payment to your family and loved ones upon your death. When you purchase a life insurance policy, you name a beneficiary who will receive the death benefit specified in the policy upon your death, tax-free. The last thing you want is to see your beneficiary's life insurance claim denied. Unfortunately, there are many reasons why this can happen.

The most common way life insurers are able to deny claims on a valid policy where the insured has died within two years is through so-called "material misrepresentation" on the initial insurance application. This refers to the intentional or negligent concealment of a fact, such as the names of doctors visited in the past five or 10 years, or any other information that may have had a negative impact on your application.

Insurers often use this legal tactic as a means to avoid honouring an otherwise valid policy. In such cases, it is important to know that any misrepresentation cannot avoid the policy. The misrepresentation has to be "material", meaning it must entail discrepancies in important facts that would have caused the insurance company to not have issued the policy at all.

Each time a person dies within two years of the issuance of a life insurance policy, the insurer investigates the matter to see if there are any misrepresentations on the application. If even the slightest mistake is found, the company may attempt to deny coverage and will send back a check for the premiums already paid.

Other common reasons for a denied life insurance claim can include a death immediately following the purchase of the policy, death occurred within the life insurance company's contestability period, or the policy may not cover the way the insured died. Whatever the reason for the denied claim, it's important to seek immediate help from an experienced lawyer who can advise you on your next step, especially when your family's welfare is at stake. A denial from the insurance company does not mean the end of the road for your claim and the team at Share Lawyers have years of experience on their side. Let us work diligently on your behalf to fight for the benefits you deserve!

Has your life insurance 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.

We have recently settled cases against Canada Life, RBC, Manulife, Liberty Health, Teachers Life, London Life and many more.

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Denied your long term disability claim?

Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.

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A note from our long term disability lawyers

Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.

If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.

Our Disability law firm knows what you have been going through

We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.

Our experienced disability lawyers can fight back on your behalf

Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.

If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.

Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.


In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.








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