Insurance plays an important role in our lives by acting as a financial safety net for times when things go wrong. Even before disaster strikes, insurance provides peace of mind. That's why you purchase life insurance, disability insurance, creditor insurance and critical illness insurance. Sometimes, insurers refuse to pay the benefits that are owed to you or on your behalf. This denial of insurance benefit can cause financial hardship at the worst possible time. Insurance providers can cause great financial loss and emotional frustration and stress when compensation is denied or delayed. It is easy for an insurer to deny coverage. You may need help to fight back.
Read your policy carefully to ensure all claim and lawsuit deadlines can be met. When in any doubt contact a lawyer immediately.
If you have insurance and filed a claim, but that claim was denied, you do not have to accept it. Insurers can provide impressive-sounding reasons for denying your claim. The bottom line is that insurance companies are businesses -- the less money spent on benefits, the more profits. Insurers will interpret the medical evidence and interpret their own policy to minimize your rights. Sometimes, the denial is a result of error or misinterpretation, and not an intentional manipulation of the facts. In some cases, additional evidence can be gathered to support your claim. The insurer does not have the final say. You should retain an experienced insurance lawyer who has extensive experience with these claims, knows how they work, and understands how to work with insurance analysts and insurance lawyers. Remember: you paid for the policy, so when you need it, you should be able to count on it.
An experienced lawyer will help you understand your case, determine if you have a case, and help you pursue it to the right end. Geoff Aylward is that lawyer with the experience and knowledge to help you with your insurance claims, whether it's assisting you from the beginning to file a claim or after you have already filed the claim but are having problems with its approval.
Representing Your Insurance Claims
There are many insurance claims Geoff Aylward represents in Newfoundland and Labrador: life insurance, disability insurance, creditor insurance and critical illness insurance. He understands firsthand how stressful dealing with insurance companies can be, and works diligently to meet the needs of his clients and protect their rights against big insurance companies.
Disability insurance is your protection if -- in the future -- you are injured or contract a disease or other health issue that prevents you from working. Most disability insurance is provided through your employer but some plans are privately purchased. Your potential for earning future income can change in a heartbeat or through a gradual illness. An accident happens or a diagnosis changes your life either temporarily or permanently. If that happens, your way of life is affected, and if you support a family, their standard of life and opportunities are also detrimentally impacted. Disability insurance is protection that you should be able to rely on if you have the extreme misfortune of not being able to work. You paid for your short-term insurance benefits and long-term disability insurance benefits. You do not need the additional ongoing stress of wondering how you will be ever able to pay your bills.
At the time you took out a loan, mortgage, line of credit or credit card, you may have purchased creditor insurance. Creditor insurance is protection for the consumer who has an outstanding balance on any of these categories of debts. The insurance conditions are generally triggered if you are unable to work or suffer a certain serious type of illness or on death. If your health prevents you from working, the creditor insurance may be applicable to make the loan payments during the period you cannot work. If you have a serious illness or die, the creditor's insurance will pay off the balance. Creditor insurance is good security if you have a family and do not want your loved ones to suffer or worry about these finances if you die or are unable to work. The creditor insurance provider pays the lender directly, so your family should not have to cope with this worry.
There are different kinds of critical illness policies that can be purchased in Newfoundland and Labrador. If you have a heart attack or stroke, you may assume your critical illness insurance will cover it. But in many instances, critical illness insurers deny coverage. The refusal to pay may be based on allegations that the insurance application contained material misrepresentations or that the illness was caused by an excluded pre-existing condition. The refusal may be based on an incorrect interpretation of the policy or a wrong understanding of the medical evidence. Details matter significantly when in critical illness insurance claims. Lawyer Geoff Aylward can assist where critical illness insurance benefits have been wrongly denied. You have paid for this financial lifesaver in difficult physical and emotional times for you and your family.
A critical part of your family and business security is your life insurance policy. The policy can be for estate planning purposes or business protection purposes, either way, it's an important security option. The benefits and terms of life insurance policies vary widely.
Handling Insurance Disputes
There are times that your insurance provider should be there for you or your family but is not. In Newfoundland and Labrador, many consumers find themselves in financially devastating stressful scenarios with insurance carriers who stall or deny benefits altogether. When this happens, you and your family suffer financial hardship on top of the pain and grief of illness, injury or death.
Insurance carriers will try multiple tactics to stall or deny a claim. These tactics include alleging that you misrepresented the claim or provided misinformation on the application. Insurers often interpret policies in ways to minimize the coverage you thought you had. Insurance analysts often inaccurately claim that you or your doctor did not provide adequate proof or evidence. When disputes arise, you need legal representation.
Geoff Aylward aims to achieve a timely resolution to your insurance claim or claim dispute with minimal stress and optimal outcome for his clients. He adapts to each client's specific needs, from claim initiation to claim resolution. His services include:
- Thorough analysis and interpretation of the insurance policy;
- Thorough investigation and legal analysis of your specific claim;
- Legal counsel advising if there is sufficient evidence and arguments to support the claim;
- Direct communication with the insurance provider and claims analysts and insurance lawyers;
- A strategic legal plan to confront and counter the insurance provider's claims and work towards a successful end.
Geoff Aylward, Q.C. will provide effective advice and representation in seeking benefit payment or compensation. Contact Personal Injury Lawyer Geoff Aylward today. If you need immediate after-hours assistance, lawyer Geoff Aylward can be reached by text at 709-743-1708 or by email at [email protected].