The 2017 list of Canada’s Top 100 Employers has chosen Intact Financial as one of the best companies in the country and in Greater Toronto, specifically. It is known to be a nurturing place for people to advance in their careers and receive rewards for their efforts. Part of the financial rewards every employee in the company receives are:
- Defined benefit pension and contribution pension plans
- Share Purchase Plans
- Insurance Premium Discounts
- Maternity Benefits
- Health and Fitness Discounts
- Flexible Work Schedules
- Flexible Add-On Benefits
The top three reasons why the company has been distinguished as one of the top 100 of the country are:
- Employees are given maternity and parental leave payments. For those that are new parents, top-up payments are given for more assistance. There is also a third party service provider that provides day care services to employees with kids on-site that accommodates up to 80 slots.
- For employees who want to continue further studies, the company supports the cause by providing tuition subsidies. This applies to courses related to the employee’s current role. There are also numerous in-house training programs for everyone. Moreover, some of these programs have a financial bonus at the end once the employee successfully completes the course.
- Employee appreciation is best exemplified by the year-end bonuses including the share purchase plan. The company assists everyone through the defined benefit and contribution pension plans in planning their future.
Nothing beats a company that does well in making their employees feel free, nurtured and rewarded. In times of need, every company also strives to provide assistance where necessary. For instance, disability insurance claims can be requested through the human resources office using the same claim form you submit to the insurance provider.
What if the company insurance denied my claim?
For first time claims, denial letters are sent out for proper notification. Wait for the letter and see what their reasons for denying your claim are. If the reason can be easily solved by submitting more documents, comply with them properly. If your condition is questioned, get another medical report from a trusted physician. If the claim is still denied, consider legal help.
What if the company cuts my benefits?
The first thing you need to do is find out why. It might not just be your company, but also the insurance company’s decision. Deal with this directly by giving your company a call, or planning a visit. Make sure that you bring proof that the benefits have been stopped and then be as thorough as possible with your questioning. It might just be a mistake in reporting or documentation on their part.
If it is apparent that they have stopped giving you benefits and have given their own reason, here are the things you need to do in order to continue your insurance claim.
To-Do Checklist to Bring Back Cut Benefits
Get a Written Note
It is important that you get an official note or declaration from the company about them stopping your life and disability insurance benefits. Make sure that it includes when it was applicable and why they came up with the decision. This will be handy as proof of their action if you need to take the matter up to court.
Obtain Legal Advice
The best way to understand and plan your actions in a legal setting is to seek a lawyer’s advice. Disability insurance lawyers usually provide free consultation services, so you need not worry about cost yet. Make sure that when you approach them for consultation you have all documents you need to support your story. Once done, you will be given a few options on what to do.
Consider Filing an Appeal
The most direct way to demand your company and concerned insurance company to pay your mortgage disability benefits is to file an appeal in court. By hiring lawyers for insurance, you can strategically plan your case and actions. Make sure that you get an experienced firm to help you since knowledge is your best weapon against large insurance companies and their top notch lawyers.
Secure All Necessary Documents
During the progression of the trial, you will need evidence to prove your case is valid. The lawyer might request you to undergo more examinations. Do not take this lightly and procrastinate. As soon as you are told what you need to obtain, make haste in securing them. The faster you collect the documents, the sooner you can file the appeal. And the sooner you file the appeal, the earlier the trial is processed.
Give you Lawyer Full Support
You need to have complete trust in your lawyer in order to increase your chances of winning the case. This is why you need to make sure you hire someone who suits all your qualifications, so you won’t have second thoughts and doubts. Find someone who is known in your area to be the best at what they do.
