Denied Life Insurance Claim?

You don’t have to navigate it alone. 

Was Your Claim for Life Insurance Denied?

Here is what you need to know

Receiving a denial letter for a life insurance claim can be frustrating and overwhelming, but it’s important to know that a denial is not always final.
 
Insurance companies may deny claims for various reasons, including:
 
📌 Non-disclosure – the most common reason where the insurer alleges that the policyholder did not disclose a relevant health condition or lifestyle factor.
 
📌 Missed Payments – the policy lapsed due to unpaid premiums.
 
📌 Contestability Period – if the policyholder passed away within the first two years of coverage, the insurer may conduct a detailed review.
 
📌 Policy Exclusions – some policies contain clauses that limit coverage for certain circumstances.
 
WHAT YOU CAN DO NEXT
 
A denial does not mean you are out of options. Many claims are unfairly denied or based on incorrect interpretations of the policy.
To challenge a denial:
✅ Carefully review the denial letter to understand the insurer’s reasoning.
✅ Gather relevant documents such as medical records and policy details.
✅ Seek legal advice—a lawyer can assess your case and take legal action if necessary.
If your claim has been denied, don’t assume it’s the final word. Legal guidance can make a difference in ensuring you receive the benefits you’re entitled to. Contact us today to discuss your options.

How Else We Can Help

Whether you’re facing a denied disability claim, unfair benefit termination, or an insurance company refusing to pay what you’re entitled to, we are here to fight for you every step of the way. At K. Miller Law, we are committed to protecting your rights and ensuring you receive the compensation and support you deserve.

Short- Term Disability Benfits

We are here to help you secure the support you deserve.

Long- Term Disability Benefits

Contact us today for a FREE review of your disability benefits denial.

Critical Illness

Facing a critical illness & need assistance with your insurance claim? We are here to assist.

Canada Pension Plan Disability Benefits

We are here to make sure you receive the benefits you are eligible for.

Mortgage Insurance

Struggling to secure mortgage disability benefits? Let K. Miller Law advocate for your rightful coverage.

We Serve Ontario

At K. Miller Law, we represent employees across Ontario, providing trusted legal guidance no matter where you are. 

With the ability to connect remotely, we ensure that location is never a barrier to receiving strong legal representation. 

Here are just a few of the areas where we have assisted employees in resolving workplace disputes.

Toronto

Ottawa

Mississauga

Brampton

Hamilton

London

Markham

Thornhill

Vaughan

Kingston

Sudbury

Oshawa

Barrie

Thunder Bay

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Kitchener

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Cambridge

Whitby

Burlington

Ajax

Richmond Hill

Oakville

Milton

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Waterloo

Sault Ste. Marie

Chatham-Kent

Niagara Falls

Newmarket

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North Bay

Belleville

Brantford

Orillia

Kawartha Lakes

St. Catharines

Stratford

Woodstock

Sarnia

Orangeville

Timmins

Stouffville

Brockville

Welland

Huntsville

Owen Sound

Parry Sound

Bradford

We got you covered

Whether you are facing an employment dispute or experience challenges with your disability claim, we are here to advocate for you.

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