Common mistakes, denied claims, beneficiary designations including Quebec rules, reconsiderations and appeals, and where to verify the rules.
Most of the damage in life and disability insurance happens at two moments: when the application is filled in, and when a claim is made years later. An answer left out of a medical questionnaire, a beneficiary designation never updated after a separation, a premium that bounced while you were in hospital, or a missed 90-day reconsideration deadline can each cost more than the premiums ever did.
Start with the common mistakes in life and disability insurance. Then read about beneficiary designations, including Quebec's rules, what to do when an LTD claim is denied, the two-year contestability period and misrepresentation, and grace periods and reinstating a lapsed policy.
For public benefits, the guide to CPP disability and EI reconsiderations and appeals explains the deadlines, the Social Security Tribunal and the EI Board of Appeal that took over first-level EI appeals in April 2026. The official sources guide lists the regulators, the OmbudService for Life and Health Insurance (OLHI), Assuris and the government portals to check before you rely on any figure.
This site gives general information, not legal, tax or insurance advice for your situation.
Claim Disputes, Mistakes and Official Sources
How to name a life insurance beneficiary in Canada: revocable vs irrevocable, minors and trustees, estate vs named beneficiary, creditor protection, and Quebec Civil Code rules.
Claim Disputes, Mistakes and Official Sources
How to challenge a refused CPP disability or EI sickness decision: reconsideration deadlines, the Social Security Tribunal, the new EI Board of Appeal, and Quebec's QPP review.
Claim Disputes, Mistakes and Official Sources
What happens when a Canadian life insurance premium is missed: the 30-day grace period, death during grace, automatic premium loans, lapse, and reinstating within two years.
Claim Disputes, Mistakes and Official Sources
The mistakes that cost Canadians their life or disability claims: incomplete applications, outdated beneficiaries, relying on group plans, missed deadlines and lapsed policies.
Claim Disputes, Mistakes and Official Sources
How the two-year contestable period works for life and disability insurance in Canada and Quebec, what counts as material misrepresentation, fraud, age errors and suicide clauses.
Claim Disputes, Mistakes and Official Sources
What to do when a group or individual LTD claim is denied or terminated in Canada: reasons, internal appeals, the 24-month change of definition, OLHI, regulators and lawsuits.
Claim Disputes, Mistakes and Official Sources
Where to verify life and disability insurance rules in Canada: provincial regulators, the AMF, OLHI complaints, Assuris protection, Service Canada, Retraite Québec and CRA.
