Life Insurance Denials
Slip & Fall Claims
With Pranzitelli Law Firm
What To Do When A Life Insurance Policy Is Denied
Losing a loved one is hard enough — facing a denied life insurance claim makes it even more painful.
Unfortunately, life insurance claims are often denied, commonly due to alleged pre-existing conditions or application inaccuracies.
If you are the beneficiary of a life insurance policy and your claim has been denied, it’s important to seek legal advice as soon as possible.
At Pranzitelli Law, we’ll help you understand your legal rights, what documents are required, and how long you have to take legal action.
In Canada, there are essentially 2 types of life insurance policies:
Term Life Insurance: Typically these premiums are initially less expensive with this policy increasing as one gets older.
There are multiple types of term life insurance policies; including 10-year, 20-year, and 30-year terms.
Permanent Life Insurance: These policies typically have “level premiums.”
There are three different types of policies: Whole Life Insurance, Term-to-100, and Universal Life Insurance.
How We Can Help
At Pranzitelli Law, we understand how important these benefits are for your family’s financial security. Our legal team will:
Carefully review the terms of the life insurance policy
Examine the reasons for the claim denial
Advise you on your rights and court deadlines
Work diligently to obtain a fair and just settlement on your behalf
You don’t have to face the insurance company alone....
We’re here to fight for you — every step of the way
Your Rights After A Slip & Fall
Under the Occupier's Liability Act, property owners and those having responsibility for are legally responsible for ensuring that the property is reasonably safe for those using it.
Under the Municipal Act, 2001, municipalities are responsible for keeping the roadway including the sidewalk in a reasonable state of repair.
Slip and falls are very fact specific and evidence is required to prove that either the municipality or those in charge of the property did not take reasonable steps to prevent the slip and fall
.
Your first priority should be obtaining any medical attention you require. Actions like taking pictures and collecting witness information will help you in a future claim to receive compensation for your injuries.
Ensure that you receive all the compensation available to you following a slip & fall ⬇️
Steps Following A Slip & Fall
Take photographs of the condition or conditions that caused you to slip and fall.
Collect witness information. Including the names and contact info of any witnesses, including those who stopped to assist you.
Remember where the fall occurred and surrounding details. Take note of the nearest property's address, level of lighting, signs of warning, and security cameras.
Preserve your footware. This will be an important piece of evidence in your slip and fall claim. Avoid wearing the same footwear again.
Provide notice if necessary.
Involved in a hit and run? ⬇️
Are Consultations Free?
We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.
The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.
These consultations are ALWAYS free.
What About Out Of Pocket Fees?
On all our contingency fee retainers, you will not be responsible for out of pocket fees.
Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.
Who Will Work On My Case?
At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!
How Long Do I Have To File My Lawsuit?
Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.
How Much Can I Expect To Win?
While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..
What is Long-Term Disability (LTD) Insurance
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
How Long Can I Receive Long-Term Disability Benefits?
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
What Should I DO If My Long-Term Disability Claim Is Denied?
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
Providing Notice Following A Slip & Fall
If you have fallen on city property, you have 10 days to put the municipality on notice,
If you fell on private property because of snow and ice you have 60 days to put the property owner on notice.
For all other clip and falls, you have 2 years to put the property owner on notice and file your lawsuit.
It is important that you do not delay following your slip and fall!
Get help dealing with the insurance companies ⬇️
⬇️ REQUEST A FREE CONSULTATION ⬇️
We will contact you to talk a bit more about your unique needs, and get the ball rolling!
I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.
⬇️ REQUEST A FREE CONSULTATION ⬇️
We will contact you to talk a bit more about your unique needs, and get the ball rolling!
I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.
Are Consultations Free?
We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.
The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.
These consultations are ALWAYS free.
What About Out Of Pocket Fees?
On all our contingency fee retainers, you will not be responsible for out of pocket fees.
Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.
Who Will Work On My Case?
At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!
How Long Do I Have To File My Lawsuit?
Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.
How Much Can I Expect To Win?
While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
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4370 Steeles Avenue West, Suite 16 | Vaughan, On L4L 4Y4
18 King Street East, Suite 1400 | Toronto, On M5C 1C4
341 Talbot St, Suite 333 | London, ON N6A 2R5