Established in 1920. Equitable Life of Canada is a local company headquartered in Cambridge, Ontario. The work with their independent advisors to offer life and health insurance, group benefits, disability and critical illness insurance, and financial services Canada wide. Many workplace LTD insurance plans are administered by Equitable Life. They have over $43 B in assets.
As an experienced personal injury and disability insurance lawyer, Rob Deutschmann and his legal team are committed to assisting those who have had their disability benefits wrongly denied by disability insurers. His team has successfully protected the rights of injured people in Ontario for over 20 years, and has a proven track record recovering fair settlements.
One of Rob’s clients had a very unfortunate accident. While building a cottage, our client was sleeping in the loft bedroom that was part of the cottage. Unfortunately, as the cottage was still under some construction, there was no adequate railing in place in the loft area. Our client had a sleep walking incident. While sleep walking our client fell 10 feet to the main floor below the loft bedroom. As a result of the fall our client became paraplegic. The client’s disability policy paid her two times her salary if the insured person became paralyzed due to an accident. The client applied for the disability benefit but the insurer denied the application. The disability insurer took the position that the client had a prior sleep walking incident and therefore was suffering from an illness which resulted on the fall and therefore did not qualify as an accident. The disability insurer suggested that the prior sleep walking incident disclosed an illness, a pre-existing sleep walking disorder, and therefore not covered under the accident definition provided in the long term disability policy. Our firm started a claim on behalf of our client arguing that her injury was the result of an accident and not the result of a sleep walking syndrome that the disability insurer was attempting to promote. By advancing the claim for our client and maintaining the position that the injury was the result of an accident and not an illness, along with medical support, we were successful in obtaining the full payment of disability benefits for our client.
Rob is happy to talk with you, and answer questions about your accident or disability claim. Call us at (519) 742‑7774 today or fill out our online contact form to find out how Rob can help you get full compensation for your personal injuries, and access to the medical, income, and disability benefits you deserve. Your initial consultation is free and you don’t pay any fees until your case is settled.