so my insurance company approved my application after about 4 months of stalling.
this was only after I started requesting information to prove the timeline they were claiming.
during this a lot more stalling than out of the blue claim was approved.
what I asked for was proof of the check being issued and cashed by the Canadian government as I did not believe at this time they had actually done this or at least did it when they said.
then they claimed they could not release the funds to me until they heard back from Ontario works what amount they needed to pay to them. (fine I contacted Ontario works got the exact contact information and requested they also reach out to the insurance rep)
after confirming they received the necessary information they then claimed they needed to receive confirmation from Ontario works that the amount of money they requested was received and correct.
I called them out on this BS and requested the information I had previously requested to be proved as they had weekes now to obtain it, as well I wanted to see the proof with the date of the documents they were waiting on to approve the claim was “received”
after this, I was told they didn’t say what they said in their last email, and they are releasing the funds to me within the next few days now. as well only proved me the information on the date the check was issued for sending off to the government organization. as I suspected this was issued over a week after the day they claim they mailed the request.
this process pushed me to the edge of financial rune and they never paid interest on the money they had withheld for months as well refund me for the insurance I was required to pay during that time. not to mention halting and reversing my recovery as well causing me to question if I am just being paranoid or if they are in fact lying to me. (I have caught them in few so I know I was not being paranoid)
For anyone dealing with insurance companies find creative ways to confirm timelines and request as much through email as possible so you have hard evidence and proof.
example of creative timeline discovery:
If 3rd party paperwork requires a fee to be paid on the other end ask when they mailed the request out then after some time ask when the check was issued.
note the time frame for Canada post to do national deliveries and request updates starting just before it should arrive till it does arrive to note how “fast” their mailroom is.
Main thing I’m looking for is Do you think I have a legal case?
thanks and best of luck to you all