Accidental Death & Dismemberment (AD&D) Claims

If you're coping with a sudden loss or life‑changing injury, you shouldn't have to battle an insurance company at the same time. At UL Lawyers in downtown Burlington, we guide families and injured clients through Accidental Death & Dismemberment (AD&D) claims—reviewing the policy, gathering evidence, and challenging unfair denials—so you can focus on what matters most.

• Free consultation · No fees unless we win
• Burlington & Halton Region (serving clients across Ontario)
• Speak to a lawyer now: 905‑744‑8888

How we help with AD&D claims

AD&D is contract‑driven: outcomes depend on your policy's definitions, exclusions, and timelines. We:

• Analyze the policy (group or individual) and explain coverage in plain language.
• Preserve and organize evidence (medical, coroner, police, toxicology, scene reports).
• Deal with the insurer—we manage forms, deadlines, and appeals.
• Litigate if needed for breach of contract and related remedies.

Why Burlington chooses UL Lawyers

• Local, accessible team: Head office at 552 Brant Street, Burlington, ON L7R 2G8.
• No‑win, no‑fee: You don't pay our legal fees unless we recover money for you.
• Clear updates: Compassionate guidance and realistic timelines.

What AD&D insurance covers (in plain English)

AD&D pays benefits when an accident causes death or certain serious losses (e.g., limb, sight, hearing, speech, or loss of use of a limb). Coverage can be part of group benefits (through an employer or association) or privately purchased.

• "Loss" vs. "loss of use." Many policies cover both; some cover only anatomical loss. Policies that include loss of use usually require the loss to be total and irrecoverable.
• Time requirement for the loss. Policies commonly require that the death or listed loss occur within a fixed time after the accident (often within 365 days).
• Additional features. Some policies include extra benefits for rehab, spouse retraining, child education, repatriation, coma, or paralysis.

Every policy is different. We'll read the exact wording and advise you accordingly.

Common reasons AD&D claims get denied

• Cause not "accidental." Insurers may argue the death/injury was illness‑related or not sudden/unforeseen.
• Policy exclusions. Typical exclusions include illness, self‑harm, intoxication, illegal acts, certain aviation risks, or war.
• "Timing" clauses. Many policies require the loss to happen within a specified window (e.g., within 365 days).
• "Loss" definition disputes. Where the dispute is "loss of use" vs anatomical loss, we connect functional assessments to policy language.
• Documentation gaps. Missing records can sink a claim—we close those gaps.
• Contractual limitation period. Some policies shorten the time to sue (often to one year).

What to do right now (Checklist)

1. Secure the policy (full policy booklet/certificate) and any riders.
2. Notify the insurer/plan sponsor and request claim forms.
3. Collect records: death certificate, coroner's report/autopsy, toxicology, medical charts, police report, photos.
4. Avoid speculative statements in calls or forms; keep it factual.
5. Keep a timeline of events and all insurer communications.
6. Call UL Lawyers—we'll review deadlines, forms, and strategy.

Deadlines, policy timelines & limitation periods

• Policy notice & proof deadlines: Group and individual AD&D policies set strict timing for notice and proof of claim.
• "Loss must occur within X days." Many AD&D policies require the death or listed loss to occur within 365 days of the accident.
• Contractual limitation vs. Ontario's general rule: Ontario's Limitations Act, 2002 sets a general two‑year period to sue, but many insurance policies shorten this to one year.
• Appeals don't always pause limitation periods. We protect your right to sue while pursuing appeals strategically.

We'll calculate and calendar the exact dates that apply to your policy so nothing is missed.

Our process, start to finish

1. Free consultation → We listen, identify urgent deadlines, and request policy docs.
2. Policy & facts review → We explain coverage, exclusions, and the proof you'll need.
3. Claim build → We obtain records, complete forms, and handle insurer communications.
4. Appeal or litigation → If denied or delayed, we escalate: formal appeals, examinations for discovery, and court.
5. Resolution & support → Clear settlement advice and transparent fees.

Burlington & areas we serve

We represent clients across Burlington—Alton Village, Brant Hills, Corporate, Dynes, Headon Forest, Longmoor, Maple, Millcroft, Palmer, The Orchard—throughout Halton Region, Hamilton, and across Ontario. Meet us in person or virtually.

Office: UL Lawyers, 552 Brant Street, Burlington, ON L7R 2G8
Phone: 905‑744‑8888 · Email: info@ullaw.ca