{"id":329,"date":"2026-01-05T21:18:07","date_gmt":"2026-01-06T02:18:07","guid":{"rendered":"https:\/\/www.olhi-oap.ca\/home\/"},"modified":"2026-06-02T16:33:09","modified_gmt":"2026-06-02T20:33:09","slug":"home","status":"publish","type":"page","link":"https:\/\/olhi-oap.ca\/en\/","title":{"rendered":"Home"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull is-style-no-padding is-style-hero has-primary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile is-image-fill-element is-style-hero-banner has-primary-background-color has-background\" style=\"grid-template-columns:auto 49%\"><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading alignwide has-white-color has-text-color has-link-color wp-elements-3b56f4ef8e0d17f24400e88f44c832d4\">An independent resource <\/h1>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-a5d4fa45eff44293d4059b69d657c86d\">For your life and health insurance concerns<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/olhi-oap.ca\/en\/complaints\/\">Complaint<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/olhi-oap.ca\/en\/search-for-a-policy\/\">Policy Search<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/www.olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-1024x678.jpg\" alt=\"\" class=\"wp-image-815 size-full\" style=\"object-position:53% 61%\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-1024x678.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-300x199.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-768x509.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-1536x1017.jpg 1536w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/04\/Image2-2048x1356.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-style-padding-large is-layout-flow wp-container-core-group-is-layout-a77db08e wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-style-padding-large is-layout-flow wp-container-core-group-is-layout-a77db08e wp-block-group-is-layout-flow\">\n<p class=\"is-style-badge\">Our mission<\/p>\n\n\n\n<h2 class=\"wp-block-heading alignwide\">Free and Impartial Services<\/h2>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile is-image-fill-element is-style-gap-large\" style=\"grid-template-columns:27% auto\"><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"683\" height=\"1024\" src=\"https:\/\/www.olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-683x1024.jpg\" alt=\"\" class=\"wp-image-1400 size-full\" style=\"object-position:44% 48%\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-683x1024.jpg 683w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-200x300.jpg 200w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-768x1152.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-1024x1536.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-1365x2048.jpg 1365w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Image19-scaled.jpg 1707w\" sizes=\"(max-width: 683px) 100vw, 683px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<p class=\"has-large-font-size\">We offer free, independent, and impartial services to address your concerns, questions, complaints or inquiries related to life and health insurance.<\/p>\n\n\n\n<p class=\"has-large-font-size\">Our team guides you with clarity, respect, and confidentiality.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-dark\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/olhi-oap.ca\/en\/about\/\">Find out more<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<section class=\"marquee-block alignfull\"\n   style=\"--marquee-speed: 60s;\">\n  \n  <div class=\"marquee-block__track\">\n          <div class=\"marquee-block__content\" aria-hidden=\"false\">\n                  <span class=\"marquee-block__item\">Impartiality<\/span>\n                  <span class=\"marquee-block__item\">Independence<\/span>\n                  <span class=\"marquee-block__item\">Free<\/span>\n                  <span class=\"marquee-block__item\">Attentiveness<\/span>\n                  <span class=\"marquee-block__item\">Clarity<\/span>\n              <\/div>\n          <div class=\"marquee-block__content\" aria-hidden=\"true\">\n                  <span class=\"marquee-block__item\">Impartiality<\/span>\n                  <span class=\"marquee-block__item\">Independence<\/span>\n                  <span class=\"marquee-block__item\">Free<\/span>\n                  <span class=\"marquee-block__item\">Attentiveness<\/span>\n                  <span class=\"marquee-block__item\">Clarity<\/span>\n              <\/div>\n          <div class=\"marquee-block__content\" aria-hidden=\"true\">\n                  <span class=\"marquee-block__item\">Impartiality<\/span>\n                  <span class=\"marquee-block__item\">Independence<\/span>\n                  <span class=\"marquee-block__item\">Free<\/span>\n                  <span class=\"marquee-block__item\">Attentiveness<\/span>\n                  <span class=\"marquee-block__item\">Clarity<\/span>\n              <\/div>\n      <\/div>\n  \n<\/section>\n\n\n\n<div class=\"wp-block-group alignwide is-style-rounded-corner has-secondary-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center is-style-badge\">Our Services<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Our services to <br>effectively assist you<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9c22b1e3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a class=\"card-block aligndefault\"\n  href=\"https:\/\/www.olhi-oap.ca\/en\/complaints\/\" rel=\"noopener noreferrer\">\n  \n      <div class=\"card-block__header\">\n      <p class=\"card-block__surtitle\">Services<\/p>\n    <\/div>\n    \n  <div class=\"card-block__content\">\n          <div class=\"card-block__title-area\">\n        <h3 class=\"card-block__title is-style-card-title\">\n        Submit a complaint                                                          <\/h3>\n      <\/div>\n    \n          <div class=\"card-block__description-area\">\n        <p class=\"card-block__description\">Let us help you with your insurance complaint using easy online process.<\/p>\n      <\/div>\n      <\/div>\n  \n<\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a class=\"card-block aligndefault\"\n  href=\"https:\/\/www.olhi-oap.ca\/en\/search-for-a-policy\/\" rel=\"noopener noreferrer\">\n  \n      <div class=\"card-block__header\">\n      <p class=\"card-block__surtitle\">Services<\/p>\n    <\/div>\n    \n  <div class=\"card-block__content\">\n          <div class=\"card-block__title-area\">\n        <h3 class=\"card-block__title is-style-card-title\">\n        Search for a Policy                                                          <\/h3>\n      <\/div>\n    \n          <div class=\"card-block__description-area\">\n        <p class=\"card-block__description\">Submit information about a deceased person to be shared with participating insurers.<\/p>\n      <\/div>\n      <\/div>\n  \n<\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a class=\"card-block aligndefault\"\n  href=\"https:\/\/www.olhi-oap.ca\/en\/about\/public-education\/\" rel=\"noopener noreferrer\">\n  \n      <div class=\"card-block__header\">\n      <p class=\"card-block__surtitle\">Services<\/p>\n    <\/div>\n    \n  <div class=\"card-block__content\">\n          <div class=\"card-block__title-area\">\n        <h3 class=\"card-block__title is-style-card-title\">\n        Public Education                                                          <\/h3>\n      <\/div>\n    \n          <div class=\"card-block__description-area\">\n        <p class=\"card-block__description\">Public education is central to our public service. Partner with us today.<\/p>\n      <\/div>\n      <\/div>\n  \n<\/a>\n<\/div>\n<\/div>\n<\/div>\n\n\n<section class=\"stats-block aligndefault\"\n>\n  \n      <div class=\"stats-block__container\">\n      <div class=\"stats-block__grid\">\n                  <div class=\"stats-block__item\">\n            <div class=\"stats-block__value\" data-target=\"+20\">\n              <span class=\"stats-block__prefix\">+<\/span>              <span class=\"stats-block__number\">0<\/span>\n              <span class=\"stats-block__suffix\">years<\/span>            <\/div>\n                          <p class=\"stats-block__label\">of service to Canadians<\/p>\n                      <\/div>\n                  <div class=\"stats-block__item\">\n            <div class=\"stats-block__value\" data-target=\"5000\">\n              <span class=\"stats-block__prefix\">+<\/span>              <span class=\"stats-block__number\">0<\/span>\n                          <\/div>\n                          <p class=\"stats-block__label\">inquiries responded to in 2025<\/p>\n                      <\/div>\n                  <div class=\"stats-block__item\">\n            <div class=\"stats-block__value\" data-target=\"60\">\n              <span class=\"stats-block__prefix\">+<\/span>              <span class=\"stats-block__number\">0<\/span>\n                          <\/div>\n                          <p class=\"stats-block__label\">participating companies<\/p>\n                      <\/div>\n                  <div class=\"stats-block__item\">\n            <div class=\"stats-block__value\" data-target=\"1130\">\n              <span class=\"stats-block__prefix\">+<\/span>              <span class=\"stats-block__number\">0<\/span>\n                          <\/div>\n                          <p class=\"stats-block__label\">complaints examined since 2022<\/p>\n                      <\/div>\n              <\/div>\n    <\/div>\n    \n<\/section>\n\n\n\n<section class=\"news-block aligndefault\"\n>\n  \n  <div class=\"news-block__header\">\n          <p class=\"is-style-badge\">News<\/p>\n        \n    <div class=\"news-block__header-row\">\n              <h2>Our news to <br>keep you better informed<\/h2>\n            \n              <a href=\"https:\/\/www.olhi-oap.ca\/en\/news\/\" \n           class=\"wp-element-button btn--dark\"\n           >\n          All News        <\/a>\n          <\/div>\n  <\/div>\n\n      <div class=\"news-block__grid\">\n      <div class=\"news-block__wrapper\">\n              <article class=\"news-block__item news-block__item--featured\">\n          <a href=\"https:\/\/olhi-oap.ca\/en\/news\/introducing-our-new-website\/\" class=\"news-block__link\">\n                          <div class=\"news-block__image\">\n                <img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/TreesSun-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/TreesSun-1024x683.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/TreesSun-300x200.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/TreesSun-768x512.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>              <\/div>\n                        \n            <div class=\"news-block__content\">\n                              <span class=\"news-block__category\">\n                  News                <\/span>\n                            \n              <h3>\n                <span class=\"news-block__title-text\">\n                  Introducing Our New Website\u00a0                <\/span>\n              <\/h3>\n              \n                              <div class=\"news-block__excerpt\">\n                  <p>We are pleased to announce the launch of OLHI\u2019s new website.&nbsp;&nbsp; This renewal reflects our ongoing commitment to&nbsp;transparency,&#8230;<\/p>\n                <\/div>\n                            \n              <time class=\"news-block__date\" datetime=\"2026-06-05T07:30:46-04:00\">\n                Published on June 5, 2026              <\/time>\n            <\/div>\n          <\/a>\n        <\/article>\n              <article class=\"news-block__item\">\n          <a href=\"https:\/\/olhi-oap.ca\/en\/news\/bringing-clarity-at-a-vulnerable-time\/\" class=\"news-block__link\">\n                          <div class=\"news-block__image\">\n                <img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-1024x683.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-300x200.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-768x512.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-1536x1024.jpg 1536w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2025\/09\/Papers-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>              <\/div>\n                        \n            <div class=\"news-block__content\">\n                              <span class=\"news-block__category\">\n                  Case studies                <\/span>\n                            \n              <h3>\n                <span class=\"news-block__title-text\">\n                  Bringing Clarity at a Vulnerable Time                <\/span>\n              <\/h3>\n              \n                              <div class=\"news-block__excerpt\">\n                  <p>OLHI ensured that the consumer received a clear explanation and that the procedural concerns were addressed. A consumer&#8230;<\/p>\n                <\/div>\n                            \n              <time class=\"news-block__date\" datetime=\"2025-09-23T15:19:00-04:00\">\n                Published on September 23, 2025              <\/time>\n            <\/div>\n          <\/a>\n        <\/article>\n              <article class=\"news-block__item\">\n          <a href=\"https:\/\/olhi-oap.ca\/en\/news\/upholding-fairness-in-emergency-medical-disputes\/\" class=\"news-block__link\">\n                          <div class=\"news-block__image\">\n                <img decoding=\"async\" width=\"1024\" height=\"804\" src=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-1024x804.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-1024x804.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-300x235.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-768x603.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-1536x1206.jpg 1536w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Med-2048x1607.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>              <\/div>\n                        \n            <div class=\"news-block__content\">\n                              <span class=\"news-block__category\">\n                  Case studies                <\/span>\n                            \n              <h3>\n                <span class=\"news-block__title-text\">\n                  Upholding Fairness in Emergency Medical Disputes                <\/span>\n              <\/h3>\n              \n                              <div class=\"news-block__excerpt\">\n                  <p>This case illustrates how OLHI\u2019s process can lead to meaningful outcomes. A consumer contacted OLHI after they were&#8230;<\/p>\n                <\/div>\n                            \n              <time class=\"news-block__date\" datetime=\"2025-09-23T15:07:41-04:00\">\n                Published on September 23, 2025              <\/time>\n            <\/div>\n          <\/a>\n        <\/article>\n              <article class=\"news-block__item\">\n          <a href=\"https:\/\/olhi-oap.ca\/en\/news\/getting-fair-compensation-after-an-emergency\/\" class=\"news-block__link\">\n                          <div class=\"news-block__image\">\n                <img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-1024x684.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-1024x684.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-300x200.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-768x513.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-1536x1025.jpg 1536w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/ImagePlane-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>              <\/div>\n                        \n            <div class=\"news-block__content\">\n                              <span class=\"news-block__category\">\n                  Case studies                <\/span>\n                            \n              <h3>\n                <span class=\"news-block__title-text\">\n                  Getting Fair Compensation after an Emergency                <\/span>\n              <\/h3>\n              \n                              <div class=\"news-block__excerpt\">\n                  <p>Feeling misled and confused, the couple turned to OLHI. A couple had to urgently return home mid-trip due&#8230;<\/p>\n                <\/div>\n                            \n              <time class=\"news-block__date\" datetime=\"2025-09-23T14:35:56-04:00\">\n                Published on September 23, 2025              <\/time>\n            <\/div>\n          <\/a>\n        <\/article>\n            <\/div>\n      \n      <!-- Navigation arrows (visible only on mobile) -->\n      <div class=\"news-block__nav\">\n        <button class=\"news-block__nav-btn news-block__nav-btn--prev\" aria-label=\"Previous slide\">\n          <span class=\"icon-arrow-outward\"><\/span>\n        <\/button>\n        <button class=\"news-block__nav-btn news-block__nav-btn--next\" aria-label=\"Next slide\">\n          <span class=\"icon-arrow-outward\"><\/span>\n        <\/button>\n      <\/div>\n    <\/div>\n    \n<\/section>\n\n\n\n<figure class=\"wp-block-image alignwide size-full is-style-default\"><img decoding=\"async\" width=\"2560\" height=\"1441\" src=\"https:\/\/www.olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-scaled.jpg\" alt=\"\" class=\"wp-image-2463\" srcset=\"https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-scaled.jpg 2560w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-300x169.jpg 300w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-1024x576.jpg 1024w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-768x432.jpg 768w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-1536x864.jpg 1536w, https:\/\/olhi-oap.ca\/wp-content\/uploads\/2026\/05\/Walking-edited-2048x1153.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group is-style-padding-medium is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"is-style-badge\">FAQ<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Answers to<br>your questions<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-2&quot;, &quot;openByDefault&quot;: true }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-open is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"true\" aria-controls=\"accordion-item-2-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-2\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Is OLHI a consumer advocate?<\/span><span class=\"icon-arrow-drop-down-circle\" aria-hidden=\"true\"><\/span><\/button><\/h3>\n\n\n\n<div aria-labelledby=\"accordion-item-2\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-2-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>No. OLHI is impartial. Our findings and recommendations are based on our impartial review of all the relevant facts, so both you and the insurer know our conclusions are from an unbiased perspective.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-3&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-3-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-3\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">Are your services really free?<\/span><span class=\"icon-arrow-drop-down-circle\" aria-hidden=\"true\"><\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-3\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-3-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>Yes. OLHI\u2019s services are free for consumers across Canada, in English and French.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-4&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-4-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-4\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">What should I do if I have a problem with my insurer?<\/span><span class=\"icon-arrow-drop-down-circle\" aria-hidden=\"true\"><\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-4\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-4-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>If you have a concern or complaint, you should first contact your insurer directly and follow their internal complaint process. Ask them to review your complaint and provide their final position in writing. Once you have received your insurer&#8217;s final position, you can contact OLHI if you are not satisfied with the outcome.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-5&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-5-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-5\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">What can you do for me?<\/span><span class=\"icon-arrow-drop-down-circle\" aria-hidden=\"true\"><\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-5\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-5-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>OLHI can work with your insurer to try to resolve your complaint. If we find that your complaint has merit, we can ask your insurer to reconsider its decision.<\/p>\n\n\n\n<p>Sometimes this leads to a negotiated settlement that works for both sides.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div data-wp-context=\"{ &quot;autoclose&quot;: false, &quot;accordionItems&quot;: [] }\" data-wp-interactive=\"core\/accordion\" role=\"group\" class=\"wp-block-accordion is-layout-flow wp-block-accordion-is-layout-flow\">\n<div data-wp-class--is-open=\"state.isOpen\" data-wp-context=\"{ &quot;id&quot;: &quot;accordion-item-6&quot;, &quot;openByDefault&quot;: false }\" data-wp-init=\"callbacks.initAccordionItems\" data-wp-on-window--hashchange=\"callbacks.hashChange\" class=\"wp-block-accordion-item is-layout-flow wp-block-accordion-item-is-layout-flow\">\n<h3 class=\"wp-block-accordion-heading\"><button aria-expanded=\"false\" aria-controls=\"accordion-item-6-panel\" data-wp-bind--aria-expanded=\"state.isOpen\" data-wp-on--click=\"actions.toggle\" data-wp-on--keydown=\"actions.handleKeyDown\" id=\"accordion-item-6\" type=\"button\" class=\"wp-block-accordion-heading__toggle\"><span class=\"wp-block-accordion-heading__toggle-title\">How long will it take to handle my complaint?<\/span><span class=\"icon-arrow-drop-down-circle\" aria-hidden=\"true\"><\/span><\/button><\/h3>\n\n\n\n<div inert aria-labelledby=\"accordion-item-6\" data-wp-bind--inert=\"!state.isOpen\" id=\"accordion-item-6-panel\" role=\"region\" class=\"wp-block-accordion-panel is-layout-flow wp-block-accordion-panel-is-layout-flow\">\n<p>We aim to review and conclude most complaints within 120 days, starting from the date we acknowledge your complaint in writing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>An independent resource For your life and health insurance concerns Our mission Free and Impartial Services We offer free, independent,&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-home.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-329","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/pages\/329","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/comments?post=329"}],"version-history":[{"count":8,"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/pages\/329\/revisions"}],"predecessor-version":[{"id":2731,"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/pages\/329\/revisions\/2731"}],"wp:attachment":[{"href":"https:\/\/olhi-oap.ca\/en\/wp-json\/wp\/v2\/media?parent=329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}