Maritime Life Assurance Company

Maritime Life Assurance Company has been acquired by Manulife. The conversion occurred in 2005. Manulife has been a leading Canada based financial services group operating in Asia, and North America for over 125. They are one of the largest financial services and insurance companies in the world. They provide health insurance, life insurance, critical illness and disability insurance, and travel insurance. They are one of Canada’s leading group insurance providers handling both long and short-term disability policies.

As a very experienced personal injury and disability insurance lawyer, Rob Deutschmann and his professional 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 was a general labourer in a factory setting. Unfortunately, due to years of smoking and environment, she developed severe respiratory problems including chronic obstructive pulmonary disorder (COPD). Our client’s respiratory problems made it impossible for her to maintain her stamina for any reasonable period of time and therefore unable to work. The disability insurer paid our client disability benefits for a three year period but then terminated the benefits when the adjuster believed that our client was capable of some work. Given that our client was a general labourer the disability adjuster felt that there were many options for other occupations. However, our client lacked the stamina and ability to work at any part-time or full-time position. We obtained medical reports from our client’s treating physicians to show that her work capacity was greatly reduced. In addition, our client had qualified for Canada Pension Plan Disability (CPP-D). We eventually met with the disability insurer at a settlement conference and we were able to obtain a solid settlement package for our client. As the benefits were taxable we were able to structure the settlement to allow our client to reduce the amount of tax payable by arranging to have the settlement funds allocated to several prior tax years, thereby lowering the rate of tax payable.

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.