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Joshua Michael Bonnici
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Joshua Bonnici’s Answers

38 total

  • Can you get extended for disability if you got terminated?

    My wife is out on disability in CA. She was taken out for 3 months, but her employer only approved her for a temporary leave and not disability . Her doctor has extended her for 6 more months. The extension form has been signed by her doctor and s...

    Joshua’s Answer

    Sorry to hear about your situation. If your wife is still unable to work, have one of her treating physicians request an extension of her disability. If you have any issues with the disability carrier, you may want to consult with a disability attorney. I've helped several people in these instances, and they can sometimes get sticky. Good luck!

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  • What do i need to do to resolve this?

    My wife was involved in a 3 car accident whereby our car was damaged in the rear due to her being the first car hit. She did not move forward and hit the other car, only hit from behind. The car that hit her was not at fault by the police report s...

    Joshua’s Answer

    Sorry to hear about the accident, and I hope that your wife is doing well and not injured. Issue like this arise often, where liable drivers try to talk their way out of liability. However, it is important that you do report the accident to your insurance company, even if you're not at fault. There are several reasons to do this. Many of my accident cases have early liability issues, but an attorney should be able to iron them out once the dust settles. I definitely recommend reaching out to a local accident attorney for a free consultation. Good luck!

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  • I was in an accident but will they come after my husbands assets for what is above and beyond what my insurance will cover?

    I hit a sdge utility pole the cost is $250,000 and my insurance covers up to $50,000. Will they come after my husbands property he owns even though he was not the one in the accident? I am not on any paperwork for anything related the property.

    Joshua’s Answer

    Sorry about this headache. I agree with the other responses, as I've seen insurance companies go after assets from an individual when they know that they are ascertainable, and sometimes they don't pursue them. While I've represented a few clients in this situation, it largely depends on the facts of the case, as well as how easily obtainable your/your husbands assets are when enforcing a judgement beyond your insurance policy limits.

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  • Rear-ended

    I was rear ended a few days ago. I was in a rental car and I didn't have any insurance (I opted not to buy the optional insurance). I had to get medical attention at the ER after the pain worsened. My question is, since I had no insurance, do I co...

    Joshua’s Answer

    Sorry to hear about the accident, and I hope you're feeling better. The fact that you didn't have the insurance doesn't change things too much, but your insurance may have to get involved with the other party's. If you choose to hire a local injury attorney, they often will open the claim for you and make sure that everything is straighten out regarding liability, coverage and your medical needs.

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  • ERISA specialized lawyer in San Diego

    We would like to contact an attorney that practices exclusively ERISA law to represent me against an insurance company that denied long term disability claim? Insurance company called and said my claim was denied after reviewing an IME report.

    Joshua’s Answer

    I've represented many individuals after they were denied long-term benefits. Depending on how many denials there has been, and how long it has been since the last denial, many claims can be successful if received in time. Have you requested a full copy of your administrative file from the insurance company yet? Definitely a must do to fully evaluate a LTD claim.

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  • Do I have to pay my LTD back after they terminated me.

    I was receiving LTD for a hip injury. My LTD enlisted one of their companies to file for SSDI after a year. Long story short. My hearing was August 15th and they terminated me on August 24th. (before we new the outcome) I was awarded SSDI 6 months...

    Joshua’s Answer

    Sorry to hear about all this. Appealing the LTD denial may be the best way to attach the request for reimbursement. I've dealt with that before, and the appeal can help with negotiation, and if the appeal is solid, can provide funds for reimbursement. However, appealing the denial must be timely, so time may be of the essence.

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  • What is the penalty for not providing claims file requested to claimant within 30 days of request that is detrimental to case?

    This case is in regards to a disability claim with insurance provided through employer that is governed by ERISA laws

    Joshua’s Answer

    Sorry to hear about your situation. Are you requesting the file in response to having the policy denied? If so, there's no court procedure as everything must happen during the administration process, prior to filing a lawsuit. I deal with disability carriers all the time in requesting files for an ERISA appeal. They are required to produce the file to you as specified in your policy. But, it they are giving you a hard time, you may want to speak with an attorney who represents denied policy holders for additional help and leverage. At the end of the day, an ERISA lawsuit in Federal Court is your back-up plan.

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  • My car was sandwiched in a 3 car pile up, is it my fault?

    i was driving home on a 2-lane bridge coming from sea world on my way to the highway 8 going east. When all of a sudden, a car from behind suddenly hit my car, from there, my car jerked forward causing me to hit the car that's in front of me and i...

    Joshua’s Answer

    Sorry to hear about your accident. These kind of accidents are a bit tricky, and sometimes a full investigation needs to be conducted. I usually tell my clients not to give any statements regarding the accident if they hire my office. I'd do the same here - reach out to an attorney before you get to far into the insurance claim.

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  • Long Term Disability Claim denied My LTD carrier denied my claim

    I suffered from Degenerative Disc Disease. At first my employer was willing to accommodate me, but with the change of ownership, the same management team chose to disallow it. As such I suffered low back pain from doing some heaving lifting at wor...

    Joshua’s Answer

    Sorry to hear about your situation. Sounds like you may need advise on both the LTD denial (you only have 180 days from the date of the denial to appeal) and possibly the "forced resignation" as well, depending n the facts. I've handled similar LTD appeals and they are very fact intensive as to your medical condition and your policy. I would definitely reach out to a local attorney as time is of the essence with a potential claim on either level.

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  • How do I get my disability claim approved?

    I was injured a few years ago and have had several foot surgeries as a result of it. Last year I had fusion surgery on my right foot and was on short term disability that was approved by my short term disability insurance company. My doctor recent...

    Joshua’s Answer

    Sorry to hear about the denial. Depending on the policy language of your disability policy, you may be able to appeal the disability denial. However, there are often strict time limits on these policies, so finding an attorney who understands the provisions is important. It may be more of an insurance policy question that an employer issue.

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