Foisy & Associates

10/02/2026

A treatment denial in an Accident Benefits claim does not always mean the treatment is unnecessary. In serious cases, the treatment in dispute often includes psychological care, social work support, chronic pain treatment, or occupational therapy, all of which may help an injured person maintain function, stability, and safety in everyday life.

Insurers frequently rely on the words "reasonable and necessary," but a denial is not a conclusion that you have recovered or that your treatment has no value. It means the insurer is disputing the need.

If the insurer denied the treatment you still need to function, we can review the plan, the records, and the real impact that denial is having on your claim.

Read our full article: https://bit.ly/4y94fNr

Learn why an insurance company may deny treatment, why denial does not always mean the treatment was unnecessary, and what to do next.

10/01/2026

Select a legal team that limits its total caseload when disputing an insurance company assessment for attendant care benefits.

Fighting an insurer for proper attendant care funding requires detailed attention to every daily routine and medical report. High-volume law firms often handle hundreds of cases simultaneously, which can lead to important care details being missed during legal disputes. Foisy & Associates intentionally restricts its caseload to give each family the personalized advocacy needed to challenge denied benefits effectively. Limiting our caseload allows our team to take the necessary time to understand your specific recovery needs and build a thorough legal strategy.

Protecting your financial support starts with choosing lawyers who prioritize individual attention over case volume. Read more about our client-first approach: https://www.injurylawyercanada.com/about-foisy-and-associates/

09/24/2026

Look beyond basic physical assistance when building an attendant care claim following a motor vehicle collision.

One of the biggest mistakes in attendant care litigation is treating care as though it only covers physical tasks like lifting, dressing, or bathing. Severe crashes often cause brain injuries, concussions, or mental health struggles that leave individuals unable to manage daily life safely.

In these situations, care takes the form of constant safety supervision, guidance through daily routines, and emotional support. Insurance companies often try to deny coverage for these duties because no hands-on physical contact is involved. Failing to challenge these denials forces families to take on unpaid caregiving roles indefinitely.

Including non-physical supervision in your claim ensures your family receives the financial support required to manage long-term recovery properly.

09/21/2026

"A hero is an ordinary individual who finds the strength to persevere and endure in spite of overwhelming obstacles." – Christopher Reeve

Recovery after a life-altering crash rarely happens through dramatic moments. More often, true courage shows itself in the quiet, daily determination to keep moving forward despite physical pain and financial stress. Injured individuals and the family members supporting them face immense hurdles every day, from demanding physical rehabilitation to frustrating disputes with insurance companies.

Finding the inner strength to continue through those exhausting moments is a remarkable achievement. We honour the quiet resilience of accident victims and caregivers who wake up every morning determined to rebuild their lives.

09/14/2026

Review every daily task your family handles before accepting a final settlement from your insurance company.

Attendant care is one of the most misunderstood accident benefits in Ontario. When a severe crash happens, family members step in immediately to help with personal care, meal preparation, transportation, and daily scheduling. Most families view this help as simple devotion and do not realize that these daily tasks hold substantial value in a legal claim.

Insurance representatives rarely explain the full extent of attendant care coverage, which leads many injured individuals to settle their claims prematurely. Closing an accident benefits claim too early can leave your family bearing thousands of dollars in unpaid caregiving costs. Examining all daily family assistance protects your rights and ensures you receive fair compensation for the support provided during recovery. Read our guide on the risks of settling an accident benefits claim https://bit.ly/4a6LfTW

09/10/2026

Many families assume that the Form 1 assessment only counts hands-on help like bathing, dressing, or moving around. However, non-physical support is just as important under Ontario law. If a brain injury or emotional trauma leaves a loved one needing constant reminders, safety checks, or help making safe decisions, those hours belong on the Form 1. When these supervisory duties are left off of the assessment, the insurer pays far less than what the care actually costs the family. Every hour of daily guidance must be listed on the Form 1 to ensure the monthly benefit covers the real work involved.

09/04/2026

Anticipating an upcoming hearing before the Licence Appeal Tribunal often inflicts severe stress and emotional exhaustion on families who are unfamiliar with legal settings. The fear of the unknown can make you feel completely helpless when you do not understand how the day will unfold or what questions you will have to answer.

At Foisy & Associates, we guide our clients through every step of the process so they feel comfortable, safe, and ready well before the day arrives. Take the mystery out of your upcoming LAT hearing and read our article on how to prepare: https://bit.ly/4fCkc6z

When it comes to a Licence Appeal Tribunal (LAT) hearing, preparation is key. At Foisy & Associates, we take several crucial steps to ensure our clients are well-equipped for their hearing. While the process may differ from case to case, we follow a general approach that empowers our clients to feel...

09/02/2026

Is the insurance company offering you a lump sum settlement? Before you sign, remember that just because an offer is on the table doesn't mean it's the right amount or even the right time for your recovery.

Injury victims need to be fully aware of these two critical factors: timing and amount, before settling a claim. With the right legal advice, you can feel confident, prepared, and ready to take on the insurance company to secure what you deserve.

08/31/2026

Facing a complex insurance dispute without a clear roadmap leaves many injured individuals feeling entirely overwhelmed by intricate legal rules. When your healthcare access and financial recovery depend heavily on a successful accident benefits case, simple confusion can quickly turn into severe anxiety for your household.

Our team has compiled a detailed FAQ to address your most urgent questions about the Licence Appeal Tribunal directly. Review comprehensive answers to some of our most commonly received questions, so you can navigate your personal injury law matter with confidence and clarity: https://bit.ly/48lwXiy

08/30/2026

Settlements can be incredibly beneficial and positive for injury victims, but the key is timing and preparation. A settlement allows you to gain complete autonomy over your healing process—no more waiting around for permission from an insurance adjuster who might not even be familiar with your claim.

Before you sign, make sure you:

Don't let changing insurance adjusters manage your future. Take care of yourself and secure the financial support you deserve.