Today is Election Day in Canada. We elect a new, or a returning Prime Minister. This is exciting. Will there be a majority government, or will we see another minority government? These are important questions! Some political basics: A majority government can do whatever they like; whenever they like! There’s…
Our law firm receives a lot of calls from people who have been denied Life Insurance, Long Term Disability Insurance, Mortgage Insurance and Critical Illness claims. Some of these policies are group policies which are offered through an employer. Sometimes these are private policies which are purchased from an insurance…
Car accident law shouldn’t be confusing. But it is! Workplace injury law shouldn’t be confusing either. But it is! Part of the reason that both car accident law and workplace injury law are both so confusing is because there are man made laws behind both; which usurp natural law. For…
The Workplace Safety Insurance Board (WSIB) provides no fault insurance coverage for injured workers in workplace accidents. When workers have been injured in the course of their employment; often they look to our law firm to sue their employer. But here’s the catch. And oh boy; is it ever a…
The cost of Physiotherapy is NOT covered by OHIP. That means that if you need physiotherapy, someone needs to pay for it. The cost of chiropractic treatment is NOT covered by OHIP. That means that if you need chiropractic treatment, someone needs to pay for it. The cost of out of…
Let me tell you a story. It’s about an insurance company which deals with long term disability policies. The size of the insurance company is irrelevant for this story, because most insurers are very similar in their approach. But in fairness, they are not all the same. The insurance company…
After a serious accident or collision, the injured party will require treatment. Sometimes the treatment is covered by OHIP. Seeing your family doctor, getting surgery, assistance through LHIN, seeing a specialist, publicly funded physiotherapy; these are all examples of treatment which is covered under the OHIP system. That means that…
When it comes to your home, there is nothing more terrifying or tragic than a house fire. All of your possessions, belongings and memories are stashed away in that home. Once it goes up in a blaze, all of those things are gone forever. House fires are devastating for a…
Long Term Disability insurance is based on the basic premise that you are too disabled to work, and that you are insured for a percentage of your pre-disability income. This percentage can vary anywhere from as low as 50% to as high as 80%, depending on the wording of the…
The term “long term disability benefits” would lead one to believe that those benefits should last for a long time. But the term “long” can be misleading and subject to interpretation. Like many things in the practice of the law, the devil’s in the details and you gotta read the…