I have a life and critical accident plan with CIBC. My husband was pinned in between two forklifts at work last year December 16, 2011 and fractured his right femur and tibia and had a big laceration on his right thigh. He needed emergency surgery at foothills hospital on December 17, 2011. He'd lost 4 liters of blood from the accident and had to get a blood transfusion. He got released from the hospital on December 24, 2011. He was bed ridden for almost 5 months unable to put weight on his right leg. We have filed a claim to CIBC and they have acknowlegded the injury. We have submitted all the documents they required. After 9 months of waiting they finally made their decision that his injury was not accepted by their 3 set standards which they have never mentioned when we purchased this plan. According to them, his foot works fine but the problem is he lost a range of motion on his knee and approximately 2.5 lbs of metal rods and hardware inserted through his bones from hip down to his ankle. By doctors and surgeon diagnosis he is permanently sedetary. Not recommended to return to his previous career. We have tried to appeal their decision but nothing happens because they said since he was not on a comma, or in ICU and his foot is fine they don't pay out. They didn't consider the fact that this is a critical injury, he could have died from bleeding and infection. My claim number is 1201090025. Photos and proof are available upon request. Thank you very much for your time.