Category: Blog
If you’ve been involved in an accident or diagnosed with a degenerative condition, you understand the financial impact a significant injury can have. Recovery can extend for months, years, or even become permanent; making your long-term disability (LTD) benefits essential to supporting you and your family. In this post, we will explore an important first […]
If you have been injured in a slip and fall accident as a result of snow and ice, you should be aware of the notice period for slip and fall claims in Ontario. As of January 29, 2021, section 6.1(1) of the province’s Occupiers’ Liability Act provides a 60-day limit on anyone pursuing a claim […]
If you’re making a Workplace Safety and Insurance Board (WSIB) claim or appeal that’s related to workplace injuries or illnesses, you should be aware of the time limitations involved. Under Ontario’s Workplace Safety and Insurance Act, you have six months to report your injury or illness to the WSIB and claim benefits following the date […]
An insurer can challenge your long-term disability (LTD) claim, from claiming you haven’t provided sufficient medical documentation to refusing your claim outright. And if the company’s adjuster on your file is rude and unhelpful, it can just make the process that much more frustrating and overwhelming. If you believe your insurer is acting unfairly, it […]
If you’ve been unable to work due to a disabling medical condition and are receiving long-term disability (LTD) benefits, you should be aware of signs that they may be coming to an end. These benefits can be so important if you’re struggling with a disability as well as the challenge to meet financial needs, so […]
Most people are shocked to find out that Ontario insurance companies are given a $44,000 “secret deductible” when seriously injured car accident claimants are awarded pain and suffering damages. This money is taken from the total amount of non-economic damages—such as serious and permanent chronic pain or injuries to extremities—that an injured person receives. It […]
Insurance companies have a duty of good faith to their policyholders in all claims, but acting in bad faith is a serious breach of their duty to handle insurance claims. Policyholders are expected to disclose relevant health information and file claims and assess their losses accurately. But at the same time, insurers must act with […]
Surveillance by Canadian insurance companies is a controversial issue. The practice involves insurance companies using various forms of monitoring to investigate claims made by injured victims. The aim is to gather evidence that can be used to deny or reduce the compensation paid to claimants. In this blog post, we will explore what surveillance is, […]
If you have an injury or illness and can’t perform your job for an extended period, Long-Term Disability (LTD) insurance provides you with a portion of your income to help cover living expenses. These benefits are typically paid monthly under an insurance policy, usually at least 60 percent of your base salary, up to a […]
If you are receiving workers compensation benefits in Ontario, one of the most important things you need to communicate to WSIB is any “material change” in your circumstances. What does that mean? A “material change in circumstances” is any change that affects your entitlement to WSIB benefits or services. These changes generally fall into one […]