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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 Chris Collins.

Chris Collins

Partner - Personal Injury
Learn more about Paul Morrissey.

Paul Morrissey

Partner - General Litigation
Learn more about Jim Virtue.

Jim Virtue

Partner - Personal Injury
Learn more about Dagmara Wozniak.

Dagmara Wozniak

Partner - Estate Litigation, Personal Injury

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Adnan was invaluable in helping us through our various acquisitions as fast a paced growth Fintech company. Despite being in a unique industry, Adnan demonstrated his expertise time and time again by supporting us through difficult negotiations, ensuring our interest were protected at all times, and ensuring the deals were completed in a cordial and timely manner. On top of all of that, we needed regular support with various internal corporate matters, all of which Adnan handled with comfort and ease. Adnan is also very well connected in the industry and was readily able to link us with the necessary experts we needed to handle the various legal matters. Most of all, what impressed me the most, is Adnan’s commitment and dedication and the late hours he spent ensuring he was always available at the critical times to address any issues that came up. - S.K.

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I am certainly grateful for Jill McCartney and Madeline McKinnon for all the time they spent on the class action for my and many others issue. People like me do not understand all the legal procedures and get impatient but the team was there to answer any questions or concerns no matter how many times I called or e-mailed and encouraged me to do so . In the end Jill made sure I totally understood the decisions.  Thank you so much for caring. Would recommend this firm anytime. - F.A.

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I am sincerely grateful to Leanne Kuchynski for representing my wife and I in what we considered to be an unprecedented situation. Leanne's compassion, practical advice, openness to feedback, brilliant strategic thinking and outstanding work ethic led to the most optimal outcome while maintaining a superior human experience. Despite the harsh realities of the situation, I felt extremely comfortable that our best interest was Leanne's utmost priority and was confident in her demonstrated ability. She was professional and exceptionally thorough, yet remained remarkably caring.

I use to have a somewhat cautious disposition towards lawyers based on past experiences; however, Leanne completely restored my faith in the profession and earned my unquestionable loyalty for all future legal needs. - S.M.