Category: Blog
Most people are shocked to find out that Ontario insurance companies are given a $44,000 “secret deductible” when seriously injured car accident claimants are awarded pain and suffering damages. This money is taken from the total amount of non-economic damages—such as serious and permanent chronic pain or injuries to extremities—that an injured person receives. It […]
Insurance companies have a duty of good faith to their policyholders in all claims, but acting in bad faith is a serious breach of their duty to handle insurance claims. Policyholders are expected to disclose relevant health information and file claims and assess their losses accurately. But at the same time, insurers must act with […]
Surveillance by Canadian insurance companies is a controversial issue. The practice involves insurance companies using various forms of monitoring to investigate claims made by injured victims. The aim is to gather evidence that can be used to deny or reduce the compensation paid to claimants. In this blog post, we will explore what surveillance is, […]
If you have an injury or illness and can’t perform your job for an extended period, Long-Term Disability (LTD) insurance provides you with a portion of your income to help cover living expenses. These benefits are typically paid monthly under an insurance policy, usually at least 60 percent of your base salary, up to a […]
If you are receiving workers compensation benefits in Ontario, one of the most important things you need to communicate to WSIB is any “material change” in your circumstances. What does that mean? A “material change in circumstances” is any change that affects your entitlement to WSIB benefits or services. These changes generally fall into one […]
When you begin a worker’s compensation claim in Ontario, the person you will likely have the most contact with is your WSIB case manager. The case manager (CM) is your main point of contact at WSIB and makes most decisions about your claim. While there are other staff, specialists and consultants employed by the WSIB, […]
Welcome back to our series on understanding workers’ compensation claims in Ontario. This is the final post in the series, looking at something that’s a little different from others: a claim for survivor benefits. (You can find a list of the previously-covered topics in this series at the end of this post.) When a worker […]
Happy New Year and welcome back to our series on understanding workers’ compensation claims in Ontario. Today, we’re looking at noise-induced hearing loss. (You can find a list of the previously-covered topics in this series at the end of this post.) What is Noise-Induced Hearing Loss? When workers develop hearing loss due to hazardous levels […]
Welcome back to our series on understanding workers’ compensation claims in Ontario. This is Part 2 of our look at Occupational Disease claims; in Part 1 we discussed what occupational diseases are most common in Ontario and what industries tend to be most dangerous for workers. Some of the most well-established occupational illnesses are specified […]
Welcome back to our series on understanding workers’ compensation claims in Ontario. Today, we’re looking at occupational diseases. (You can find a list of the previously-covered topics in this series at the end of this post.) Sadly, thousands of Ontario workers have and continue to be affected by serious and often fatal occupational diseases: their […]