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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 and Estate Litigation, Insurance and Property Disputes and Professional Negligence
Learn more about Dagmara Wozniak.

Dagmara Wozniak

Partner - Estate Litigation, Personal Injury
Learn more about Chris Collins.

Chris Collins

Partner - Personal Injury

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I am so thankful to have connected with John [Morrissey] who helped solve our chaotic legal difficulty last summer. I chose Siskinds simply through an online search for local Estate Law. John responded to my general inquiry in a timely manner and presented himself on the phone in a way that invoked confidence and trust. The expertise evident in that initial call was authentic.
John’s kindness, attention to detail, and great skill was so appreciated as we maneuvered a messy family situation. Through the long course of events, I could always count on John to be on top of things, never miss deadlines or important actions, keep me informed, explain procedures, and be patient with various oddities of the family situation. John’s professionalism, responsiveness, and expertise exceeded my expectations. John’s skill in dealing with the argumentative party was exceptional. I will also add, that both Reenya Koshaba and Heather Whitty were extremely helpful, thorough, and detailed in all their work and responses.
I will endorse both Siskinds and John Morrissey to anyone in need of legal assistance. I cannot express enough my gratitude and relief for John’s help in resolving this emotional family controversy. - D.W.

I would like to thank Maciek Piekosz and his amazing team at Siskinds. Thank you for all of your hard work and and supplying me with the best support team ever. You have a wonderful group of people working in your law office and I appreciate every one of you! I will always recommend the Siskinds team and Maciek in particular. I really appreciate how hard Maciek fought for me and will remember the kindness and empathy he has shown me. I am very grateful. - C.B.

Elena [Ashford] and Angela [Belair] have been immensely useful in my application towards permanent residence. Elena's first hand experience as an immigrant brings out a compassionate approach towards her clients, and she is great with her knowledge of the processes involved. She takes a great initiative in ensuring that her clients stay on top of the documents and provides incredible insights into how the application would be viewed by the immigration offices. My application had come to a stand still, and after reaching out to her, it proceeded to approval within a month. Thank you to Elena and her team for all the great work! - C.P.