TD Insurance

TD Insurance, part of the TD Bank Group is the largest direct response home and auto insurer in Canada. They are one of Canada’s largest financial organizations. They provide home, car, travel, life, critical illness and disability, and health insurance to individuals, and businesses throughout Canada. They are pioneers in affinity marketing, working with professional organizations to market their products. TD Insurance is a key player in the critical illness insurance market.

As a highly experienced personal injury and disability insurance lawyer, Rob Deutschmann and his well-trained legal team is dedicated to assisting those who have had their disability benefits wrongly denied by the disability insurer. 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.

Our client worked in a small machine shop as a machinist. Over time he developed severe back and neck pain. It eventually became too painful for him to work. The disability insurance policy provided for a change of definition after two years to any occupation based on his education, training and experience. The policy also provided that he would not be considered disabled if he was able to work at some employment that paid him at least 60% of his pre-disability income. The policy was also time limited for a 5 year period from the date of disability. That meant our client would have no access to any income under his disability policy after 5 years, even if he continued to be disabled. After two years, under the “own” occupation definition, the disability insurer decided that our client was capable of doing some other work and terminated his benefits. We were retained by our client and immediately started a law suit against the disability insurer. By maintaining litigation pressure, and obtaining some medical reports that outline our client’s ongoing difficulties and continuing inability to work, we were successful in assisting our client in obtaining a payout from the disability insurer for the balance of the term of the policy.

Rob is happy to talk with you, and answer questions about your accident or disability claim. Call toll free 1 (866) 414‑4878 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.

Practice Areas

  1. Car accidents
  2. Motorcycle accidents
  3. Automobile accident benefits
  4. Catastrophic injury
  5. Brain injury
  6. Paraplegia and Quadriplegia
  7. Spinal cord injury
  8. Drunk driving accidents
  9. Concussion syndrome
  1. Wrongful death
  2. Bicycle accidents
  3. Disability insurance claims
  4. Slip and fall injury
  5. Fractures or broken bone injury
  6. Pedestrian accidents
  7. Chronic pain
  8. Truck accidents
  9. Amputation and disfigurement

Personal Injury Blog

Jan 21, 2019
Applicant lacks veracity - 17-006513 v The Co-Operators Insurance Company, 2018 CanLII 81959 (ON LAT)
Jan 20, 2019
New hearing ordered - Interest to be paid at correct rate - Shannon Doxtater and Aviva Canada Inc.
Jan 18, 2019
Applicant clearly states to physicians he is able to carry on normal life - JT v RBC Insurance Company, 2018 CanLII 95566 (ON LAT 17-005328)
Jan 17, 2019
Intimate Partner Violence is a Hidden Public Health Epidemic
Jan 16, 2019
Applicant fails to make case that physical or psychological issues fall outside MIG - 17-005145 v Certas Home and Auto Insurance Company, 2018 CanLII 76428 (ON LAT)
Jan 15, 2019
Cyclist and Car – was it an accident? Peter Dziuba and TD General Insurance Company

More Personal Injury Articles » 
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