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More and more; people are purchasing insurance or renewing their insurance policies over the phone. This can relate to car insurance, mortgage insurance, life insurance, disability insurance, critical illness insurance, health/medical insurance. It doesn’t matter what type of insurance it is; the reality is that we are placing more emphasis on purchasing these policies over the phone.

An important decision came across my desk when it comes to the purchase or renewal of insurance over the phone. It’s an important read for anyone. The decision is Estate of Donald Farb v. Manulife et. al., 2020 ONSC 3037; the entirety of which can be read by clicking the link here.

The decision was written by the Honourable Justice E. Belobaba who is one super duper smart Judge. Ready his decision doesn’t require a law degree to understand. It’s easy to read and makes sense to lawyers and non-lawyers alike.

So, if you’re buying insurance; no matter the type over the phone; here’s what you need to know from this decision:

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You know what people hate? Jury duty.

Civic duty? Yes.

Sense of national pride and feeling like you’re contributing to society? Sure.

But there are likely 1001 things you’d rather be doing other than sitting on a jury. Particularly for a personal injury case.

As stated previously in the Toronto Injury Lawyer Blog; most jurors want to sit on a high profile murder or drug case. Nobody every wants to sit jury duty for a personal injury case hearing all day how a Plaintiff’s neck; back and shoulders hurt them.

Insurance companies know this.

So as a reflex, they file Jury Notices simultaneously with their Statements of Defence knowing that an angry jury; a bored jury; or a day dreaming jury is going to relent the Plaintiff and it will reflect in their decision.

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Hey Ontario Government. Want to open up again for business? Want to be a Government that’s “For the People“?

Heed these words of first hand experience from one of your COVID-19 Testing Centres and learn.

For starters: I’m a personal injury lawyer. I’m lucky to have my own practice; call my own shots and set my own schedule. My “boss” are my clients. I don’t have to punch a clock or report to a manager if I have to take time off work. I have a team of lawyers and clerks to help serve our clients. That makes me very lucky. I appreciate that most people don’t have the same luxury or flexibility in setting their own schedules or getting help.

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Long Term Disability benefits flow for many disabled claimants with no issue.

The insurer may from time to time request a report from a family doctor, questionnaire, or request updated clinical notes and records. The insurer may also request that the claimant see their own “doctor” or “specialist” in order to assess their disability.

This is completely normal.

Unfortunately, when this happens, it opens the door for the insurer to interpret the medical data which they have received in such a way to justify a termination of long term disability benefits.

It can be really frustrating, depressing and hard when long term disability benefits get terminated. Like the electric company turning the power off; or like the water company shutting off the water making it difficult; if not impossible to live or to make ends meet.

If only there was a way to get those long term disability benefits reinstated. If only there was a way to get back on claim.

This instalment of the Toronto Injury Lawyer Blog will discuss a reinstatement of long term disability benefits and what factors need to be considered when a reinstatement option is offered.

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“In my view, the simplest answer to this issue is, “It’s 2020”. We no longer record evidence using quill and ink. In fact, we apparently do not even teach children to use cursive writing in all schools anymore. We now have the technological ability to communicate remotely effectively. Using it is more efficient and far less costly than personal attendance. We should not be going back.”

-The Honourable Justice F.L. Meyers

Arconti v. Smith, 2020 ONSC 2782

During the COVID pandemic, personal injury lawyers, insurance adjusters and defence lawyers have claimed to have adapted.

We claim to have embraced e-discoveries, video conferencing, virtual mediations and settlement conferences because we have to. If we don’t embrace the technology, then business doesn’t get done.

It means a Plaintiff’s case can’t be pushed forward.

It means that an insurance defence lawyer cannot bill.

It means that an insurance company cannot clear another file off their desk to set targets and make quarterly economic reports for their stakeholders.

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Many of our Long Term Disability clients want to know how long term disability cases settle. By this question, what they are really asking is how do they as the client, get paid.

Is it a lump sum payment?

Is it a monthly benefit that the client will receive for the rest of their life?

Are there additional damages for pain, suffering, punitive damages, or damages for mental distress?

Does the client have to pay any tax on the settlement amount? If so, then how much?

All of these are valid questions because there are so many ways which a long term disability settlement can be structured outside of Court.

For starters, in order to achieve any sort of award in a long term disability case, the Plaintiff needs to be disabled. This seems so simple, but for so many clients, it’s hard to understand.

Granted; each policy of insurance carries a different definition of disability. But at the end of the day, if the Plaintiff does not meet the definition of disability under the long term policy, there is a very good chance that the insurance company won’t want to pay out any award.

Under most policies, the definition of disability is loosely defined as over the first two years, the Plaintiff is so injured/sick that s/he cannot perform the regular duties of his/her “own occupation“. This first two years is commonly known as the “own occupation” or “own occ” period.

After the first two years, the definition of disability generally changes to the Plaintiff cannot perform the regular duties of “any occupation” commensurate with their education, training and experience. The availability of work is irrelevant. It doesn’t matter that there aren’t any jobs out there for you. If you can do any job for which you have the education, training and experience, then you won’t meet the test for disability. This is commonly known as the “any occupation” period.

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Our personal injury lawyers have seen in increased volume of overdose and pharmacy negligence cases over the past year.

Why is that?

Perhaps more of the population is dependent on pharmaceutical medication? With that increased volume of customers for pharmacists; there is a greater chance for human error when dispensing medication.

The purpose of this Toronto Injury Lawyer Blog is to examine and explain overdose and pharmacy negligence cases; along with what steps a person should take in the unfortunate event that they fall victim to an overdose through no fault of their own.

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It’s amazing that no matter how many times we write about it; speak about it; or broadcast our thoughts on radio, podcast, newspaper or television; that so few people know what to do after a car accident in Ontario.

This is very important, because there are tight time lines which you may be dealing with. Getting things done properly, and in a timely manner can be the difference between getting the benefits you need or being denied benefits.

Doing things the right way, and in a timely manner is particularly important during COVID given that things are moving slowly on a good day.

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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 underwrites thousands and thousands of group and individual long term disability policies.

If the insurance company pays out long term disability benefits on each and every long term disability claim that gets filed; then their profitability as a company suffers.

If the insurance company does not pay out on each and every long term disability claim that gets filed; then they become more profitable.

The more money which an insurance company pays out in benefits; the less money they get to keep and report as profit.

Some long term disability claims are denied for good reason. Some long term disability claims are denied for other reasons which have little merit.

This is where a personal injury or long term disability lawyer comes in to the mix.

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As a personal injury lawyer, I don’t profess to be a medical expert. I certainly don’t have all of the answers to your medical questions, tech questions or political questions. As a personal injury lawyer, I like to stay in my lane of personal injury law and insurance related questions. When people have a problem in these spheres, they tend to reach out to me and my law firm Goldfinger Injury Lawyers.

Once upon a time; in order to get your opinion out in to the world, it needed to be broadcast in the traditional news media, or to your friends verbally.

Social media has given us all platforms to speak our own versions of the truth and spread our own beliefs to thousands in one simple click. Those beliefs may be fact, or fiction. But they are your truths (or mistruths) nonetheless. There is no fact checking or editor to vet your comments before they are broadcast in to the world. All you have to do is simply click a button and your opinions are broadcast to the world.

The global pandemic we are all dealing with in our own ways has reinforced the fact that we are all in this together. And being “together” means that we all, or the majority has to be on the same page when it comes to dealing with the pandemic.

What has been highlighted by COVID is that so few of us are on the same page. The amount of information, misinformation and outright lies circulating on the internet is rather upsetting.

But it’s not just the internet where we see this departure of shared values and beliefs. We see it everyday.

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