1
Start with Manulife
Create a secure workspace for your Manulife LTD denial and confirm the basic dates.
Invite-only beta: careful review stays on.
ClaimCoach North provides Canadian self-help document support, not legal advice, representation, public adjusting, or promised results.
ClaimCoach North
Understand your insurance denial. Prepare your appeal.
For Manulife LTD denial letters in beta, organize your reasons, evidence, and next appeal draft in one guided workspace.
Manulife LTD betaFlat-fee appeal helpInsurance expert reviewed
Guided claim workspace
From denial letter to review-ready appeal package
ClaimCoach organizes the appeal path into readiness review, evidence gap scan, and insurance expert-reviewed document preparation.
Readiness review
82
Minimum details, evidence, dates, and review gates are checked before payment or final delivery.
Evidence gap scan
Shows what is missing before a package can look complete.
Internal quality checks
Flags missing dates, unsupported statements, and unclear claim details.
Insurance expert review gate
Final delivery stays blocked until Insurance Expert Review is complete.
Evidence
4 items tracked
Missing info
2 items left
Delivery
Locked until review
Built in CanadaNot a law firmEnglish and French
Clear scope, before you start
How it works
2
Organize
Add the denial reasons, deadlines, and evidence the insurer mentioned.
3
Draft
Appeal Builder prepares a structured appeal draft using your letter and the information you provide.
4
Sign and send
You review the draft, make changes, sign it, and send it to your insurer.
Compare your options
Best for
ClaimCoach North
People who need structured document help and can submit their own appeal.
OLHI
People who want a free complaint process after insurer appeal steps.
A lawyer
Complex files, large back-pay amounts, or situations needing legal advice.
Help type
Flat-fee self-help · Plain-language denial explanation · Structured appeal draft
Free independent review · Non-binding recommendations · Helpful after internal insurer review
Legal advice and representation · Can handle negotiations or proceedings · Often no upfront fee on contingency
Cost
$99–$249 CAD flat fee for beta.
Free.
Often 25–35% of back-pay on contingency.
Timeline
Preliminary strategy may appear quickly. Final paid delivery requires insurance expert review before release.
Often 60–180 days, depending on file complexity and volume.
Often months or longer, depending on the file.
Simple appeal packages
Choose the amount of help you need. Flat fees, in Canadian dollars, with clear scope before you pay. Final paid packages include insurance expert review before release.
Where this fits
Between a free complaint process and a lawyer.
Use ClaimCoach North when
You need to understand the denial, organize your evidence, and prepare your own appeal documents for review.
Use OLHI when
You want a free complaint process after the insurer's internal appeal steps.
Use a lawyer when
You need legal advice, representation, negotiations, or litigation support.
A lawyer may be the right choice when you need legal advice or representation, but contingency fees often take 25–35% of back-pay. Free complaint processes can help in some cases, but may take 60–180 days and recommendations may be non-binding. ClaimCoach North sits between those options: $99–$249 CAD flat-fee document help for people who need clarity, a structured appeal package, and insurance expert review before final delivery.
Common questions about pricing
Canadian-built
Primary records in Canada
English and French
ClaimCoach North provides self-help document tools and plain-language information. It is not a law firm and does not provide legal advice or representation.
People deserve to understand why benefits were refused before they decide what to do next.Read the founder story