AD&D Specialists

Accidental Death & Dismemberment Claims

Professional legal representation for denied AD&D claims and benefit disputes. We help families and injured parties secure the compensation they deserve during their most difficult times.

Financial Protection & Support

Professional Legal Assistance

No Win No Fee Guarantee

Overview & Coverage

Why AD&D Insurance Matters

Life can be unpredictable and therefore it is important to have insurance that can protect you during tough times. An Accidental Death & Dismemberment (AD&D) insurance policy covers you or your family members in the event of an accident that results in injury or death.

Having an AD&D policy in place can provide financial compensation to help you and your family cope with the consequences of sustaining a serious injury or death. Nowadays, it is very common for an AD&D policy to be a part of your extended health care (EHC) benefits offered by your employer.

Financial Protection During Difficult Times

AD&D insurance provides crucial financial support when accidents occur, helping families maintain stability during recovery periods or after tragic losses. This coverage often serves as a vital safety net alongside other insurance policies.

Common Policy Integration

Most modern AD&D policies are integrated with employer-sponsored extended health care benefits, making coverage more accessible and affordable for working individuals and their families.

Types of Claims

Most AD&D insurance policies provide plan members with financial compensation in the following scenarios:

Accidental Death

Coverage when death occurs as a direct result of an accident, including various types of unexpected fatal incidents.

Accidental Dismemberment

Compensation for accidental dismemberment of part or all of a limb, including hands, feet, arms, fingers, and toes.

Loss of Senses

Benefits for the loss of sight, hearing, or speech resulting from covered accidents.

Policy Variations

Each policy is different and therefore it is important to study the terms and schedule of the policy in depth. Different percentages are paid for different injuries and a flat amount in the event of accidental death.

Coverage Scenarios

Accidental Death Coverage

For Accidental Death, the designated beneficiary receives compensation if the insured dies accidentally.

Examples Include:

Homicide
Death in a car accident
Drowning
Other covered accidental deaths

Dismemberment Claims

With respect to the Dismemberment aspect of the claim, AD&D policies pay a percentage for various types of injuries.

Coverage Includes:

Loss of limb
Partial paralysis
Permanent paralysis
Loss of bodily functions

Benefit Payment Structure

AD&D policies typically use a schedule of benefits that pays different percentages based on the severity and type of injury. The most severe injuries receive higher percentages of the total benefit amount, while accidental death usually pays the full policy amount.

Policy Exclusions

Important Awareness Required

It is imperative to be aware that most policies include a list of circumstances that are excluded from coverage. Understanding these exclusions is crucial for both policyholders and beneficiaries.

Common Exclusions Include:

Suicide

Intentional self-harm is excluded from every AD&D policy

Natural Causes

Death from illness or natural causes is not covered

Drug-Related Deaths

Death from street drugs and overdose of toxic substances

Other Exclusions

Various other circumstances as outlined in individual policies

Review Your Policy Carefully

Each policy contains specific exclusions that may vary between insurers. It's essential to thoroughly review your policy documents and understand what circumstances are not covered to avoid unexpected claim denials.

Denied Claims Assistance

When Your Claim Gets Denied

If you are a beneficiary and your claim for benefits has been denied, you don't have to accept the insurance company's decision. Many legitimate claims are initially denied due to various reasons that can be successfully challenged.

Common Reasons for Claim Denials:

Insufficient documentation or evidence
Disputes over the cause of death or injury
Policy interpretation disagreements
Missed deadlines or procedural issues
Exclusion clause disputes

Professional Investigation Required

Successfully challenging a denied AD&D claim often requires thorough investigation, professional medical opinions, and detailed legal analysis. Insurance companies have teams of lawyers and investigators working to minimize payouts.

Why Professional Help Matters

AD&D claims can be complex, especially when dealing with:

Accident reconstruction requirements
Medical professional testimony needs
Policy language interpretation
Evidence gathering and preservation
Negotiation with insurance companies

Legal Representation

Our Commitment to You

At UL Lawyers Professional Corporation, if your Accidental Death and Dismemberment (AD&D) claim has been denied, we will work for you on a contingency fee basis, which means there are no upfront retainer fees that have to be deposited with us.

Our Comprehensive Approach:

Professional Witnesses

We hire the right specialists to prove your case, including medical professionals, accident reconstruction specialists, and industry professionals.

No Upfront Costs

We initially pay for all your disbursements and court costs, removing financial barriers to pursuing your rightful compensation.

Contingency Fee Basis

Fees are calculated on the amount of recovery, not on disbursements or costs, in accordance with the Solicitors Act.

What We Handle:

Denied accidental death claims
Disputed dismemberment benefits
Policy interpretation disputes
Evidence gathering and professional testimony
Negotiation with insurance companies
Court representation when necessary

Legal Fee Structure

Upon settlement or judgment, fees will be calculated on the amount of recovery and not on disbursements or costs recovered in accordance with the Solicitors Act R.S.O. 1990, CHAPTER S.15. This ensures our interests are aligned with achieving the best possible outcome for you.

Don't Face Insurance Companies Alone

Insurance companies have experienced legal teams working to minimize payouts. Having an experienced AD&D lawyer on your side levels the playing field and significantly improves your chances of a successful claim resolution.