If a person’s long-term disability claim has been denied or terminated, it is important for that person to know that they are not out of options. The insurance company’s decision to deny or terminate the claim may be incorrect, and it is counting on its decision being accepted without debate. To successfully dispute the decision, a claimant needs to ensure that the key evidence supports the claim.

Like any other insurance product, Long Term Disability (LTD) insurance is designed to provide “peace of mind” to an insured person, the understanding being that if a disability arises affecting an insured’s capacity to earn income, the LTD benefits will supplement lost income.

Just about everyone should be mindful of short-term disability benefits, especially if you are a working individual. How do you protect yourself in the event you get injured or sick and you are no longer able to work?

Amputation injuries can be physically and emotionally draining. Challenges can be varying; it could be physical, emotional, psychological, social etc. It can vary from individual to individual. Aside from the obvious physical injury, there can also be the emotional component to it that can debilitate the injured. While everyone reacts differently, there are common emotional stressors amputees endure; body/self-image issues, anger, adjustment issues, denial, shock, grief, anxiety, frustration, withdrawal - all of which tend to become life altering and extremely difficult to cope with, for the amputee and their family members.

Drunk drivers cause some of the most serious accidents. They have impaired vision, impaired reaction time and uncontrolled speed, causing head-on collisions, rear-end collisions and/or pedestrian accidents.

Restaurants and taverns are places where one can enjoy a night out socializing with people, while eating delicious food and drinking alcoholic beverages. However, they are also places where the mixture of alcohol and people can lead to incidents that cause serious injuries. Alcohol causes people to lose their inhibitions, and reduces their physical capabilities, which leads to falls and assaults, that may not have otherwise occurred.

Making the difficult decision to move into a long-term care home (sometimes called a nursing home) or to move your loved one into such a home, is usually made easier with the thought that the home will be a safe space that will take care of the individual’s special needs. In fact, this is the expectation of the Long-Term Care Homes Act, 2007, S.O. 2007, c. 8 (“the Act”), which governs licensed long-term care facilities in Ontario.

Before commencing litigation in relation to a motor vehicle accident, the injured party (i.e. the plaintiff) is required to apply for statutory accident benefits and to serve written notice of the intention to commence an action on the at-fault party (i.e. the defendant) within 120 days after the incident.

Riding on a motorcycle can be a fun yet incredibly dangerous activity. As the weather begins to warm up soon, many bikers will, no doubt, be hitting the road. But before motorcycle season begins, it is important to understand a few things about the risks of such an activity.

Medical misfortune is a term that is used to describe negative healthcare outcomes and results. However, sometimes the cause is medical malpractice, not bad luck.

It goes without saying that there is no excuse for violent drunken behaviour. If someone suffers harm from someone who is noticeably intoxicated, then damages can certainly be claimed against that intoxicated person.

The term, “recreational vehicles,” evokes a sense of fun, adventure, and excitement. Most people will think of cross-country trips in camper vans, the off-road thrill of all-terrain vehicles (ATVs), and snowmobiling across a white expanse of land.

Dogs are man’s best friend for a reason. They are lovable, loyal companions, that make excellent family pets. However, sometimes man’s best friend isn’t so friendly, and people can suffer severe injuries when attacked by a dog.

We are regularly asked if chronic pain can be a result of a motor vehicle accident. The short answer is yes. We represent many clients who suffer from chronic pain syndrome and Fibromyalgia (which is a chronic disorder having symptoms including widespread tenderness and pain, sleep problems, fatigue, emotional and mental distress) because of a motor vehicle accident. Insurers may be quick to dismiss pain as soft tissue injury but pain, long after its cause is gone is called “chronic pain.”

What do you do when a product does not function as promised or, even worse, malfunctions to such an extent as to cause personal injury? You can hold the vendor, the manufacturer, and/or the distributor responsible for the defective or dangerous product by way of commencing a product liability claim. Injuries caused by defective or dangerous products can arise in a number of ways.

Summer is a time to get outside and enjoy the beautiful weather with friends and family. Especially after a cold and dark winter. When summer hits, people love to flock to nearby lakes, and get out on the water. Summer fun on the water brings with it the risk of boating accidents. There are no lanes, stop signs or traffic lights on the water, and a careless boat operator can easily create dangerous situations with nearby boats, and swimmers.

It may be something you never think about, but what should you do if you injure yourself in a slip and fall accident in public? While unlikely to happen to most people, it never hurts to be prepared in case such a situation arises. Here is what you should do just in case it does: Whether you are by yourself or are with someone when it happens, be aware of the precise spot of where the injury took place.

While it is illegal in Ontario to operate a vehicle without insurance, many people still do it. To protect the public in situations where individuals are injured in accidents where no automobile insurance exists, the provincial government created the Motor Vehicle Accident Claims Fund (the “Fund”). The Fund is a last resort measure and all other avenues for insurance coverage must be considered prior to applying to the Fund.

Motor vehicle accidents and slips, trips and falls are leading causes of traumatic brain injuries here in Canada. Brain injuries can vary between a mild traumatic brain injury such as a concussion, to severe brain injury with debilitating effects. Even a mild injury can result in life-altering changes, taking a toll on the injured and their families.

It’s a scenario none of us want to be in – getting into a motor vehicle accident. If you manage to find yourself in this unfortunate circumstance, it is important for you to know the next steps you need to take. The most pertinent question immediately after the collision happens is, is it plainly obvious who was at fault? Be sure to exchange all the insurance information with the other driver and get the driver’s full name, address, contact information, licence plate and the name of his or her insurance provider.