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We received quite the response from a recent Toronto Injury Lawyer Blog post dealing with trends in long term disability claims. The response was so overwhelming, we thought that we would futher explore those new trends in long term disability law and policies, along with other things which you ought to know when advancing your claim.

The first thing which you should know about making a long term disability claim is that with the exception of a bad faith claim, a claim for mental distress, along with a punitive/aggravated damages; these claims are essentially claims for your BENEFITS. The amount of what those benefits are is defined by your policy of insurance. This means that if your policy sets out that your monthly disability benefit amount of 66.67% of your pre-disability net income (which amounts to lets say $2,100/month), then your monthly disability benefit is $2,100/month.
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When we think of injury or disability, the first thing which comes to mind are objective injuries. These are the sort of injuries which are obvious to the naked eye.

Often, a picture of a person in a cast, a person in a wheelchair, or using a crutch comes to mind. We think of broken bones, lost limbs, blood and gore.

What we don’t think about are the injuries we cannot see.

We don’t think about depression, anxiety, chronic pain, loss of memory, fatigue or any of a number of other countless symptoms which are subjective.

The distinction between what is a subjective injury, and what’s an objective injury is crucial to understanding many long term disability claims. Why is this distinction important?
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The calls and queries continue to roll in following the ice storm. The anger and frustration around the GTA has been quite remarkable. People are upset for a variety of reasons: lack of power; lack of information; duplication of information; useless information; lack of timely repairs; a certain deputy mayor going to Florida and the list goes on.

A colleague of mine forwarded me his thoughts on the ice storm. His thoughts were spot on, and thought provoking. He’s allowed me to share these thoughts with you. I’m sure that you’ll find them interesting. Here you go:
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The first wave of calls have come in following Toronto’s Ice Storm of 2013. Lots of angry and frustrated people out there. But who can blame them?

The ice storm has been called the most devastating storm to hit the City of Toronto and the surronding area in decades. Some call it the worst storm EVER.

Our thoughts go out to the thousands of families who remain without heat or power around the GTA. Our Toronto Office at Yonge and Sheppard was without power for 3 days. Business came to a stand still. But having not power at our law firm pales in compairison to all those without heat or power in their homes for the holidays.

This is where COMMUNITY comes in to play. Be a good neighbour and check up on the elderly, disabled, or those who live alone. Don’t leave fires unattended. Don’t use a generator inside of your house. Make sure that the batteries in your carbon monoxide detector are working. 9V battery? put your tongue to it. If your tongue burns; then your battery is good. No burning? Then no power. That’s some caveman advice for you.

One of the biggest misconceptions during the storm were the reporting numbers of the amount of people left in the dark. The Hydro Authorities and Municipalities identified the number of “customers” without power. The term “customers” does NOT mean people. This means buildings, houses, businesses etc. Reporters in the media didn’t seem to understand that customers didn’t mean people. So, when they heard customers, they confused that number with people.

Toronto Hydro estimated that each customer represented around 2.5 people or so. Accordingly, 1 customer = 2.5 people according to their estimates. So, when Toronto Hydro indentified that approximately 315,000 “customers” were without power at one point in time; that meant that 787,500 people were without power (or MORE according to their estimates). This distinction between “customers” and people is SIGNIFICANT as the multiple increased by 2.5x.
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Without any consultation, communication, notice or debate, your very own Ontario Government has changed how the laws surrounding no fault accident benefits work yet again! No formal announcment was made. Simply a release of the legislation.

In a normal democracy, when laws or amendments to laws are passed, they are first debated, studied, and put to a panel of experts and to the public to get their feedback. The voting public is put on notice of the proposed law or changes and a debate/discussion ensues. It’s all nice and out in the open for people to debate and to better understand.

Things aren’t supposed to be slipped under the carpet without you knowing. Heck: even the Harper Conservatives abide by these simple principals. It’s just good public relations.

But NOT your Ontario Government. Particularly when it comes to car insurance. Ontario’s government (no matter who’s in power) always likes to sneak things in when we don’t expect it. No vote. No debate. No discussion. Just put it in there just like how it’s was done in Communist Russia, and in today’s China and North Korea.

Today, the Ontario Government RELEASED Ontario Regulation 347/13. It comes in to force on February 1, 2014 and will be printied in the January 2014 Ontario Gazette. That means that only personal injury lawyers and people in the insurance industry know about the changes right now. It will become more common knowledge come the new year after it’s published in the Ontario Gazette.

You’ve never head of the Ontario Gazette? Don’t worry about it. Neither had I until I went to law school. I suppose it’s an elitist publiciation which nobody except lawyers, law students and policiticans read. So, there’s a very good chance that if you don’t read this Toronto Injury Lawyer Blog Post, you won’t know or understand how car accident law has changed yet again.

Why should you care about O. Reg 347/13? Read on and find out!
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When I was young, there wasn’t such a thing as a cool pair of winter boots. There certainly wasn’t such a thing as a must have winter jacket. Wait a minute. There was such thing. First it was the “SunIce” ski jacket which was very popular. Then, it became the black team apparel “Starter” jackets with hoods branding such teams as the Chicago Bulls or the LA Raiders; which had their logo on the breast and across the back of the coat. Am I dating myself? Perhaps.

But, for the purpose of this Toronto Injury Blog post, dating myself doesn’t matter.

Winter apparel has always been an industry in and of itself. I just think that it’s blown up in the past few years. Yesterday, Canada’s biggest name in winter gear, Canada Goose sold a majority stake in their family owned/operated company to US Venture Capitalists, Bain Capital. The same Bain Capital that Mitt Romney ran. Details of how much money the deal was for have yet to be disclosed, but from what I understand, the deal is worth somewhere in the 9 figures. If the people at Bain are willing to invest over $100 million in to a winter apparel company, then that should tell you something about Canada Goose’s product and brand.

But, Brian, how on earth does this relate to personal injury law?
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When I show clients their files, often; they are astounded by the amount of paper involved in handling their case.

Even in a “paperless system“, we still print medical records, medical reports, pleadings etc. for mediation memos, briefs and Affidavits of Documents. At the end of the day, personal injury law involves a LOT of paper.

One of the most important pieces of paper which accident victims will likely sign in the course of their case is something called a “Release“. If you’re signing a Release, that means that like 99% of civil cases out there; that your case has settled outside of Court. Congrats.

A lot of our clients get worried when they’re asked by an insurer to sign a Release. They think that they’re signing their lives away by signing it. That should not be the case. Your lawyer should explain to you exactly what you’re signing, and why you’re signing it.
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When one of our clients is asked how much they think their case for pain and suffering is worth, they will often tell you that it’s worth $1,000,000 or more. It’s understandable why anyone would put such a high price on their own individual pain and suffering. Can you really put a price on these damages?

Canadian Courts have.

Unfortunately, the system for quantifying damages for pain and suffering is unfair to accident victims in Canada. Why? Because it’s impossible, at law, anywhere in Canada, to recover $1,000,000 or more for you pain and suffering.

It’s this way because back in 1978, the Supreme Court of Canada ruled on three decisions, commonly referred to as “the trilogy“.

In those cases, the Supreme Court established a cap (or limit) for damages for pain and suffering. Back in 1978, that cap was placed at $100,000. Today, with inflation, that cap is around $350,000. This is the absolute MAXIMUM which you can recover for your pain and suffering in Canada. The Supreme Court of Canada established this cap because they did not want our civil justice system, turning in to a free for all legal system like you see in many parts of the United States.

So, even at trial, if a jury awards you $1,000,000 for damages for your pain and suffering, the Judge will then limit that award to $350,000 or below. The Judge would probably instruct the Jury to return to the deliberation room and come back with another figure for damages for pain and suffering.
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Lots of people think that all lawyers do all day is talk. It’s a a common misconception. Perhaps, there are some lawyers who spend their entire days talking; but not me.

The majority of my day is spent listening. I listen to Judges. I listen to Masters. I listen to other lawyers. I listen to insurance adjusters. But, most importantly, I listen to my clients and to prospective clients telling me their stories.

Every day I’m told from my clients how they’re struggling managing their pain; how they’re struggling making ends meet; how they’re feeling down and sad since their accident; and how their accident has turned their life upsidown.

Accident victims have lots to say about their case, how it happened, and what their injuries are. Their testimony is important, and can be very persuasive to insurers, judges and juries. But, sometimes, the MOST PERSUASIVE evidence isn’t verbal; it’s written and hidden in the scribbles. What do I mean by that? Read on and find out.
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If you or a family member is the victim of a fall on snow, ice, or slippery winter conditions, the following Toronto Injury Law Blog Post is a “must read“.

If you’re just a legal keener interested in somewhat educational legal read, this Blog Post is “pretty cool”; as the kids would say.

It’s not just little old ladies who slip, fall and hurt themselves during the winter months. It happens to everyone, of all ages, shapes and sizes. Physically fit, or not so trim. It doesn’t matter. Snow and ice doesn’t discriminate.

First thing you should know, and which you or a loved one should do after a winter slip and fall is take a picture of the area where you slipped and fell. Chances are that if you don’t the area will have changed significantly. Guilty property owners are notorious for clearing up patches of ice after the fact.
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