What to do next
Document the handling, not just the decision
Keep a dated log of every call, request, delay and stated reason. Bad-faith claims are built on the pattern of conduct, which only exists if you recorded it.
Put concerns in writing
Written complaints create the record and trigger the insurer's own complaint-handling obligations. Escalate to the applicable ombudservice or regulator, which costs nothing.
Get legal advice on both claims
The claim for benefits and the claim for bad-faith damages are related but distinct. Counsel can advise whether the conduct meets the threshold and how it affects strategy.
Frequently asked questions
What counts as bad faith?
Not merely a wrong decision. Unexplained delay, shifting or pretextual reasons, ignoring treating physicians, and repeated identical requests are the kinds of conduct courts have criticised.
What extra damages are available?
Canadian courts have awarded aggravated and punitive damages in disability cases where handling was egregious. Amounts vary enormously and depend on the conduct.
Is complaining to a regulator free?
Yes. Internal complaint processes and independent ombudservices cost nothing and create a documentary record.
This is general information, not legal advice. Laws vary by location and every situation is different — speak with a qualified lawyer about your specific circumstances.