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Broker goes out of its way for denied claimant

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Life Health Professional | 18 Dec 2015, 08:15 AM Agree 0
After SSQ Financial denied a woman's claim when she broke her neck horseback riding, one broker is stepping up to the plate
  • Mark M | 18 Dec 2015, 12:23 PM Agree 0
    Thanks for the nice story about Capri trying to do the right thing for their client.

    Thanks for the warning about SSQ NFG who do not pay claims. It is a good reminder that the premium should not be the only factor in choosing an insurance company. SSQ's refusal to pay such a claim reflects badly on them and our industry as a whole.

    Good luck to Capri!



  • bruce | 18 Dec 2015, 12:37 PM Agree 0
    Was the disability total and permanent or not? Seems not, there are policies to cover accidents where the disability is not total and permanent, just not this one, so shame on the broker who sold this to the Association. Very difficult to qualify for the benefit, but boy the price is right.
  • Ken MacCoy, CHS | 21 Dec 2015, 01:16 PM Agree 0
    This is a prime example of the problem with the coverage provided by most 'association' plans. The price is appealing, but the client always gets exactly what they pay for: 'inferior accidental death & dismemberment (NOT disability) coverage.'

    While 'group insurance' provided by an employer would have been better than association coverage because it provides both accidental death & dismemberment AND disability coverage, the best option is always an individual & personally owned accident /or disability plan.

    So, while I commend Capri Insurance for stepping up and providing financial assistance; they can't be condemned for the coverage provided 'automatically' to those having a HCBC (Horse Council British Columbia) membership.

    Why? Group Insurance wasn't an option and it's the individual members responsibility to look into an individual plan.
  • Will Ashworth | 21 Dec 2015, 03:21 PM Agree 0
    Good points, guys! Thank you.
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