Critical Illness Claim Denied or Delayed?
We Used to Work for Insurers — Now We Fight for Alberta Families
Critical illness insurance is supposed to protect you when you're facing the biggest health crisis of your life — cancer, heart attack, stroke, or another serious diagnosis. Instead, insurers often deny these claims on technicalities, wording interpretations, or overly strict definitions of illness. For nearly a decade, we defended insurers. Now we use that insider knowledge to help Albertans get the CI benefits they're entitled to.
No Fee Unless We Win.
Why Albertans Choose Us for CI Denials
Insider Advantage
We know how insurers deny CI claims because we used to defend them.
We Handle Everything
Medical evidence, policy interpretation, specialist opinions, negotiations, litigation.
Experience With Complex Medical Disputes
Cancer staging, cardiac markers, neurological conditions.
Fast Review & Intervention
CI disputes escalate quickly; early action matters.
No Fee Unless We Win
Contingency options available for denial files.
CI claim denied or stalled?
Types of Critical Illness Claims We Handle
Insurance Claims We Handle
Cancer (all major types and stages)
Heart Attack & Coronary Artery Disease
Stroke & Neurological Conditions
Multiple Sclerosis & Autoimmune Disorders
Organ Transplant & Organ Failure
Major Surgeries
Paralysis
Coma
Loss of Limbs
Early Stage Cancer Disputes
'Does Not Meet Definition' Disputes
Non-Disclosure Allegations
Delayed Investigations
Conflicting Specialist Opinions
Group Critical Illness Denials
Common Reasons for Disputes
Condition does not meet the policy definition
Insufficient medical evidence
Illness not severe enough
'Pre-existing condition' or 'non-disclosure'
Symptoms were present before coverage began
Biomarkers don't meet the threshold
Cancer not invasive / not the correct grade
Heart attack markers not high enough
Stroke symptoms considered minor
Endless delays in 'ongoing investigation'
What to Do If Your CI Claim Is Denied or Delayed
- 1
Save the denial letter
It explains the insurer's position.
- 2
Request your medical records
We assist with this.
- 3
Do not provide more statements
Until we review the file.
- 4
Collect imaging, labs, specialist reports
We help interpret them.
- 5
Talk to a lawyer early
CI cases move quickly and deadlines matter.
Need clarity now?
Client Testimonials
See what our clients say about their experience with our firm and how we helped them through their personal injury claims.
I would highly recommend Shiv Ganesh with Wilson Laycraft for a lawyer. He is down to earth, got right to work and didn't BS around, but got to the point of the matter. He listened intensely and communicated well. He is highly knowledgeable in his field . I would DEFINITELY have him represent myself or any family member, friend or acquaintance that needed a GREAT lawyer.
D. N.
Shiv is absolutely fantastic at what he does. I was a pedestrian struck by a vehicle and he has been nothing but diligent, devoted, professional, and dedicated to get the best result possible for me. I am extremely grateful to have had him work on my case and will be recommending him whenever possible.
L. E.
My consultation with Shiv was excellent from beginning to end. He replied promptly, reviewed my paperwork ahead of time, and booked me in without any delays. The appointment itself was on time, efficient, and highly professional. I left genuinely impressed with how smooth and streamlined the entire process was.
C. W.
I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.
K. W.
I recommend Shiv for his professional and honest legal counsel. He provided me with a clear and thorough insurance coverage opinion during a very difficult time, ensuring I understood exactly where I stood. I truly appreciated their straightforward communication, compassion, and fairness regarding my legal fees
Rami H
Working with Shiv and his team was a great experience. They explained everything clearly, handled the insurance process from start to finish, and always kept me updated. Professional, responsive, and easy to work with. I'd strongly recommend them to anyone needing help with an injury or insurance claim.
Mohand Shhadeh
I had a very positive experience with Shiv and his team. They made the process easy to understand, handled the paperwork and insurance issues, and were always quick to respond. Great service and highly recommended.
Marinka Avramovic
I hired Shiv for a very complex insurance matter with major liability risk. Within 90 days of taking over the file, he broke down the issues, developed a clear strategy, and significantly reduced the potential exposure. His work has likely saved me hundreds of thousands of dollars. Shiv is efficient, proactive, and knows how to handle high-stakes insurance disputes. I highly recommend him.
Wuilly Archila
Shiv is an absolutely fantastic lawyer and did not leave any stone unturned. He was methodical in approach and frequently showed us why his experience, professionalism, along side his reputation and network, was of exemplary standards. He really surpassed my expectations and I owe so much gratitude today for my family's wellbeing.
Daniel Gounder
I appreciated how prepared Shiv was for my consult. He reviewed my documents ahead of time, booked me in on short notice, and started exactly on time. The meeting was efficient and well-run, and everything I needed was addressed clearly. Excellent service.
Kasun Warnakulasooriya
I worked with Shiv and Candace through a car accident/injury claim that had some complexities relating to apportionment and liability disputes. They were exceptionally helpful and made sure to maximize the compensation, providing support along the way. If you have an accident claim and need legal assistance in the Lethbridge area, I would definitely reach out to Shiv and his team.
Brett Clifton
Critical Illness Denial FAQs (Alberta)
Trusted by Albertans
for serious injury claims.
Nearly a decade of experience defending insurers — now fighting for you. Member of the Canadian Bar Association, Alberta Civil Trial Lawyers Association (ACTLA), and the Law Society of Alberta. Backed by strong testimonials and proven advocacy.
Request a
Free Consultation
We are listening.
Consultations are always free and we offer a complete commitment to our clients with no upfront legal fees unless we win.
Clear answers. Strong advocacy.
To start your free consultation, fill out the form.
Call us at 403-527-7736 Or Text us at 403-527-7736
SHIV GANESH
Personal Injury and Insurance Lawyer