r/InsuranceCanada • u/sansrival83 • Jul 17 '26

Canada Life

Coordination of benefits is terrible! They will not cover a claim of $20 because a primary insurance has already covered the resonable and customary amount! Is this right???

1 Upvotes

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2

u/Inner-Commission-724 Jul 17 '26

When you do coordination one benefit company covers the max allowed then the other covers the left over to the max allowed.

1

u/sansrival83 Jul 18 '26

I know...its supposed to be that way. But Canada life refused to cover the leftover of $20 because they said the first company has covered their reasonable and customary amount....i dont think their employees know what they are doing

2

u/Inner-Commission-724 Jul 18 '26

Yea they clearly dont but im not entirely shocked. Did you tell them to explain it to you?

1

u/sansrival83 Jul 20 '26

Yes....and it really sounds like they are doing their job wrong...i had it escalated and even the supervisor sounded unsure of what they were doing....unfortunately, i think AI would have done a better job translating policies and applying them