Success Stories
Image: Success Story: Yuki Watanabe

Success Story: Yuki Watanabe

Yuki and his wife, Angel, purchased life and critical illness insurance shortly after they decided to start a family.

16 years, thousands of premium dollars and four kids later, the Watanabe family was devastated when Yuki was diagnosed with a serious illness and—to add insult to injury—denied benefits by their insurance provider.

Troubling Symptoms Lead To A Bleak Diagnosis

At first, the morning scavenger hunts for his wallet and car keys were a source of great entertainment for Yuki’s children. But Angel and the kids grew worried when Yuki’s forgetfulness became increasingly common and left him angry and confused.

One of the most concerning instances was when Yuki became lost on his drive home from work and had to call his wife for help.

Angel urged Yuki to visit his doctor. After undergoing various medical tests, including a neurological exam, the source of Yuki’s symptoms became clear: he had Alzheimer’s.

A Lengthy Waiting Period

When Angel and Yuki filed a claim with their insurer for Yuki’s critical illness benefit, they waited for the cheque in the mail, but didn’t give it much thought while they focused on Yuki’s wellbeing. After all, they had been paying premiums for 16 years and felt that the protection they were paying for was absolute.

Insurance Company Cries "Misrepresentation"

When seven months went by without a response, Angel called the insurance company for answers. They sent a letter in the mail a few days later, refusing to pay out.

The insurance company alleged that when Yuki completed the initial application for coverage 16 years earlier, he had failed to note that one of his blood tests had shown higher than normal blood pressure.

The Family Takes Action

Refusing to take no for an answer, the family banded together and found a way to fight the insurer’s denial. They retained Share Lawyers for two reasons – their proven track record of success fighting and winning critical illness denials; and the firm’s “no fees unless we win” guarantee.

Challenging The Misrepresentation Claim

Since the purchase of the policy and the medical issue being contested took place so many years ago, it was difficult, but not impossible to build a strong case for the Watanabe family.

By scrutinizing numerous medical records and compiling statements from Yuki’s physicians, it was discovered that Yuki had never been informed about his slightly higher than average blood pressure during one of his annual physical exams.

When Share Lawyers presented the insurance company with the facts, they agreed to reconsider the claim. Yuki and his family felt that Share Lawyers made the process very easy and non-stressful, and only had their best interest at heart. Yuki agreed to a settlement and received a lump sum from the insurance company.

All names and identifying details have been changed to protect the confidentiality of all involved.

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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.

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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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