Critical Illness insurance is a form of health insurance that provides a lump-sum payment if you become seriously ill. You may have this insurance under a group policy through your work, or you may have it under a private or individual policy that you purchased on your own.

Grieving the loss of your health is a lonely and difficult place to be.

Mulqueen Disability Law advocates for disabled clients whose claims under their critical illness policy have been denied. Our mission is to minimize clients’ stress and maximize their settlements. We believe our clients have suffered enough, and are proud to hold insurance companies accountable for the impact their decisions have on our clients’ lives.

Conditions covered by critical illness insurance in Ontario

Critical illness insurance is intended to provide financial support when the claimant has become seriously ill. Some of the illnesses and diseases commonly covered by critical illness insurance include:

• Cancer
• Multiple Sclerosis
• Heart attack
• Organ transplants
• Stroke
• Kidney failure
• Blindness
• Paralysis
• Alzheimer’s

Coverage can also vary according to how severe your condition is. For example, if you are diagnosed with cancer that is treatable and recovery is not expected to take long, you may not be eligible for the benefit.

Denial of critical illness insurance claims

Clients come to us when their critical illness claim has been denied. Most often, these claims are denied based on the pre-existing condition exclusion. That means that if there was some indication of the illness within a set period of the date the coverage became effective, the claim is denied. These are contractually, legally, and medically complicated denials to dispute.

We can review your claim to provide you with our opinion and recommendations for proceeding. If we believe you will be successful in proving your entitlement, we will offer to take on your case, allowing you to focus on your health and recovery. We know we’ve done a good job when we’ve pushed the insurance company to settle for more than it planned.

Time changes everything. Let us give you time for what really matters.

When the insurance company denies your Critical Illness or Life Insurance claim, it may seem like too much to bear. At Mulqueen Disability Law, we can help by taking the dispute over from you, allowing you the time and energy you need to focus on what really matters.

Our clients’ mental health is our primary consideration. As a result, we are certified in Trauma Informed Practice and Mental Health First Aid.

Contact Mulqueen Disability Law in Markham & Toronto for exceptional representation in critical illness insurance disputes

Mulqueen Disability Law has over 20 years of experience representing clients in complex insurance litigation, including critical illness claims. The firm’s founding partner, Courtney Mulqueen, brings a unique perspective to her practice as former legal counsel for major life and health insurance companies, and uses that insight to provide top-tier representation to clients.

With locations in Markham and Toronto, Mulqueen Disability Law advocates for disabled clients throughout Ontario, including those suffering from invisible disabilities such as mental illness and chronic pain. We also provide our services virtually for those unable to meet us in person. To discuss your critical illness matter with a member of our team, please contact us online or by phone at 416-900-0368 (or toll-free at 833-363-3LAW [3529]).