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…
Ride hailing companies like Uber and Lyft have dramatically changed the way we get around. Hailing a car from a ride share service is convenient, fast and easy. The increased popularity of these services has created many hiccups for personal injury lawyers, and insurance companies alike. To give you an…
Lots of people call my law firm for legal advice for their long term disability claims. Often for these people, it’s their first time dealing with a large insurance company over a claim of significant value which can impact the course of their financial security for the rest of their…
Long Term Disability insurance isn’t easy to understand. It’s not a common tort or a common cause of action. It’s not an intentional act which causes harm, or a negligent act by an individual defendant which causes harm. That means it’s not easy for many people to understand. Here’s a…
It’s not often that the Toronto Injury Lawyer Blog comments on cases decided at the Human Rights Tribunal of Ontario. The reason being is that car accident cases, slip and falls, long term disability cases, motorcycle accidents etc. are all dealt with before the Ontario Superior Court; not the Human…
One of the most common questions which personal injury lawyers must answers is “how much is my case really worth“? This question is never easy to answer. These questions are largely fact specific. Even the most serious analysis of the facts and evidence cannot predict the answer with pin point…