Long-Term Disability Denial Resources for British Columbia

Posted on by Graham Taylor Posted in Insurance DenialTagged , , , ,

Millions in Canada rely on long-term disability (LTD) insurance to protect their income when life throws serious health challenges their way. But the unfortunate reality is that a significant amount of LTD claims are initially denied each year in Canada.

If you or someone you care about has received a letter rejecting their LTD application, it can feel overwhelming. Insurance carriers often deny claims, even legitimate ones, to protect their bottom line. The good news? You don’t have to face this fight alone.

Why Long-Term Disability Claims Get Denied

There can be any number of reasons an application for benefits under a long-term disability policy gets denied, however the most common reasons insurance companies refuse LTD claims include:

… Continue reading

Understanding Subrogation in Personal Injury Claims

Posted on by Ben Tarnow Posted in Insurance Denials

If you’ve been injured in an accident in British Columbia and received benefits through your long-term disability (LTD) policy or extended health coverage, you may be surprised to learn that your insurer could seek repayment for any amount paid out to you from your personal injury settlement. This legal process is known as subrogation.

What Is Subrogation?

Subrogation is a legal principle that allows an insurance company that has paid benefits to an insured person to recover the amount it paid from a third party who is responsible for the causing the loss.

In the personal injury context, this usually arises when a person is injured due to someone else’s negligence, for example in a slip-and-fall accident or from a dog attack, and that person receives benefits under an LTD policy, an extended health plan, or other group benefits. If the injured person later receives a settlement or judgment … Continue reading

Victoria Personal Injury Lawyers

Posted on by David Goldberg Posted in Personal InjuryTagged , ,

At Taylor & Blair LLP, we understand that a serious injury can disrupt every aspect of your life, including your health, your ability to work, and your peace of mind. If you’ve been injured in Victoria or anywhere on Vancouver Island, you deserve experienced legal representation without the hassle of travelling back and forth to meet your lawyer in person.

Although our firm is based in the Lower Mainland, we have helped countless clients throughout Victoria and southern Vancouver Island successfully resolve their personal injury claims. With secure remote intake, virtual meetings, and proven experience handling claims in the Victoria courts, we make it easy for you to access the legal support you need, no matter where you live.

We Handle All Types of Personal Injury Claims in Victoria

Taylor & Blair LLP has over 30 years of significant expertise in personal injury law. We represent clients in a wide … Continue reading

Denied Mortgage Disability Insurance? Here’s What You Need to Know

Posted on by David Goldberg Posted in Insurance DenialTagged ,

If you’ve taken out a mortgage, chances are your lender offered you mortgage disability insurance, a type of creditor protection insurance that promises to cover your mortgage payments if you become disabled and unable to work. While this coverage can provide peace of mind, many policyholders are shocked when their claims are denied at the very moment they need support the most.

Mortgage disability insurance denials are more common than most people realize. The fine print in these policies often hides restrictive definitions of “disability,” vague exclusions, and technicalities that insurers rely on to deny claims.

What Is Mortgage Disability Insurance?

Mortgage disability insurance (also called mortgage protection insurance or creditor disability insurance) is a form of coverage often offered by banks or lenders when you take out a mortgage. The agreement is a simple one: if you become disabled due to illness or injury and can’t work, the … Continue reading

Accidents on the Water: What You Need to Know

Posted on by Ben Tarnow Posted in Personal Injury, Outdoor AccidentsTagged ,

British Columbia’s stunning coastline, lakes, and rivers make it a desired destination for recreational boating, fishing, kayaking, and other water-based activities. However, with the beauty and enjoyment of the province’s waterways comes the risk of serious accidents and injuries. Personal injury claims arising from water-based accidents are complex and often involve multiple legal frameworks, including maritime law, provincial negligence law, and insurance regulations.

Common Causes of Water-Related Accidents in BC

Accidents on the water can result in severe injuries or fatalities, especially when negligence or recklessness is involved. Some of the most common causes of personal injury accidents on BC’s waterways include:

  • Boating Collisions – Collisions between boats, personal watercraft (such as Jet Skis), or stationary objects (like docks or rocks) often occur due to operator negligence. Speeding, impaired operation, distracted driving, and failure to follow navigational rules are frequent contributors. 
  • Alcohol and Drug Use – Operating a
… Continue reading