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Many people are covered through group or private short-term and long-term disability insurance policies. These are intended to replace your income while out of work due to an accident or illness. Frequently, disability insurers request more and more medical information, and may eventually deny the claim. Other times, the claim may be approved only to be denied later because the insurer says you can go back to work before you actually can. If your application is not immediately approved, you should seek the advice of a lawyer. If proper information is provided early on, it makes it very difficult for the insurance company to deny a legitimate claim.  However, medical reports are need to properly address the disability definition contained in the policy. If the reports from your doctors don’t address the key issues, then it will be much harder to convince the insurer to pay the benefit later on. For that reason, it is useful to involve a lawyer in the early stages.

Medical and travel insurance claims seem like they should be straight forward, but the devil is in the details. Like disability claims, it is key that the proper information be provided to the insurer early on.

It is not unusual to face a situation where you thought that you had the coverage you needed and when you are disabled, you are told by the insurance company that your claim is not covered by the policy. This also comes up in Life Insurance cases. If that happens, you should consult a lawyer right away. Interpretation of the policy is a difficult and technical issue that requires a lawyer with experience in the field to make sure that you get the benefits you are entitled to. Sometimes, you learn that the policy that you bought does not provide the kind of coverage you thought you had. When this happens, you may have a claim against the broker or the insurance agent if they were negligent in advising you of the type of coverage you needed, or the types of coverage available under the particular policy.

If you are in doubt, don’t hesitate to call. We do not charge for an initial consultation.

Our Team

Learn more about Jim Virtue.

Jim Virtue

Partner - Personal Injury
Learn more about Paul Morrissey.

Paul Morrissey

Partner - General Litigation
Learn more about Chris Collins.

Chris Collins

Partner - Personal Injury
Learn more about Dagmara Wozniak.

Dagmara Wozniak

Partner - Estate Litigation, Personal Injury

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5 out of 5 stars.

I cannot thank you enough for what you [Chris Collins] and Charlene [Howlett] have done for me! I was so wary and anxious about beginning the legal process, but you and Charlene expertly guided me through it all, every step of the way. Charlene’s timely, patient responses and quick results when dealing with my own insurance company were all truly amazing. Words cannot express how much I appreciate your kindness, thoughtfulness, patience and steady support when I felt so unsure and my head was spinning. The outcome was an amazing, surprise, surpassing my hopes. The timing couldn’t have been more perfect. From the bottom of my heart I thank you so very much! - C.E.

5 out of 5 stars.

I am very thankful to have been represented by Marie [Tukara] in what started as a high conflict marriage separation. I wanted to fight back as hard as possible, but not compromise my own integrity and sense of fairness. Marie was the right lawyer for me, as her integrity and desire for fairness, especially with respect to the children, was in line with my own. I found her to be incredibly competent and efficient in synthesizing a complex story into a concise response for legal documentation. In short, with Marie I was able to neutralize a large amount of unfairness delivered my way without having to stoop to the other party’s level, which is what any self-respecting person would ultimately want from their lawyer in my position. - A.S.

4 out of 5 stars.

When my husband and I bought a business, we chose Siskinds as we had a friend working there. Our purchase was relatively straightforward, and the lawyers involved gave us just the right amount of advice and legal support. They kept the amount of work inline with the size of our business, which was great. I'm giving four stars as our work wasn't complicated, but I wanted to say that you shouldn't be afraid of using a big firm like Siskinds for anything you need. -L.G.