Foisy & Associates

10/15/2026

Some treatment is aimed at recovery. Some treatment is aimed at maintaining function.

After a brain injury, chronic pain, or a psychological injury, ongoing therapy may be what manages symptoms and prevents deterioration. That may include psychological treatment, social work support, chronic pain treatment, and occupational therapy. In serious cases, this care can help maintain stability, safety, work tolerance, and daily function.

When an insurer denies that kind of treatment, the question is not only whether you will fully recover. It is what happens to your function if the treatment stops.

Learn how we support brain injury survivors and their families: https://bit.ly/3ZsKSQz

10/12/2026

This Thanksgiving, we are grateful for the clients who trust us with their stories, and for the treatment providers, caregivers, and families who stand beside them through recovery. Healing after a serious accident is never done alone, and we are thankful for every person who makes it possible.

From all of us at Foisy & Associates, we wish you and your loved ones a warm and happy Thanksgiving.

10/08/2026

Why do insurers deny ongoing treatment in serious Accident Benefits claims? Sometimes the insurer says the treatment is not "reasonable and necessary." Sometimes it relies on a paper review, an insurer examination, or a narrow clinical opinion. Sometimes the argument is that too much time has passed or too much treatment has already been done.

But a denial is not a medical truth. It is a dispute position. In serious claims, the real question is whether the claimant still needs the treatment to maintain function.

Learn how we help with Accident Benefits claims after a car accident: https://bit.ly/4kXJ2zx

10/05/2026

"The oak fought the wind and was broken, the willow bent when it must and survived." — Robert Jordan

Recovery after a traumatic brain injury or a serious accident often means learning new ways to move through the world. Adapting a routine, accepting support, or changing how a day is planned is not giving up. It is a form of strength.

We honour every survivor, and every family member, who keeps adapting and moving forward one day at a time.

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.