Do You Have a Disability Case?
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Accident Benefit Documentation

Accident Benefit Documentation

Many people find it hard to organize the paperwork required as a result of a motor vehicle accident.  There is no simple alternative to having the correct accident benefit documentation and information available.  Perhaps we can provide some insight and guidance. Accident Benefit Documentation Guidance The best strategy is to obtain a receipt for any expense even remotely connected to the accident.  It may not be compensable but trying to get proof of spending at a later date is very difficult.   Make sure receipts include a date, reason for the payment, location and of...
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Should you Accept the Insurance Company’s Buyout Offer and Surrender Your Policy?

Should you Accept the Insurance Company’s Buyout Offer and Surrender ...

Buyout Offer: Should You Accept? Many disability claimants have heard or read about the following scenario: your disability insurer calls you on the phone, sends a representative to your home, or sends a letter proposing a lump-sum payment to “buyout” either the future of your disability claim, a disputed portion of unpaid past benefits, or both. In many instances a buyout can be a desirable outcome, but a disability claimant needs to understand the ramifications of such a payment, have confidence that the proposed deal makes sense, and that the proposal is...
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Employers Terminate Disabled Employees Using the “Frustration of Contract” Argument

Employers Terminate Disabled Employees Using the “Frustration of Cont...

Employment provides financial sustenance and the ability to contribute to society. For many, their employment forms part of their identity, provides a means for self-expression and fuels self-worth. There are a vast number of individuals who have spent a great deal of their working life employed with the same company. Unfortunately, their loyalty with these employers is not always rewarded, and sometimes in addition to dealing with the effects of their disability, they are dealing with employment issues at the same time. Employers Use The “Frustration Of...
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The Return of Meaningful Mandatory Mediation Rules

The Return of Meaningful Mandatory Mediation Rules

In recent years, the vast majority of civil actions that are commenced are settled prior to trial. While there are opportunities for settlement throughout the course of a lawsuit, the process of mediation provides a highly beneficial opportunity for settlement discussions and, ultimately, resolution of a claim. Mediation Is a Form Of Alternative Dispute Resolution In mediation, a neutral third party – the mediator – helps to facilitate settlement discussion so that, hopefully, the parties are able to reach a resolution of the lawsuit. The mediator has no...
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Long-Term Care Insurance: Are Canadians Buying It?

Long-Term Care Insurance: Are Canadians Buying It?

What sort of insurance product would you market to the Canadian public when you read about the aging demographic and the gap in health care services? Long-Term Care Insurance may be the answer, and in theory this type of coverage seems to make a lot of sense. Long-Term Care Insurance is supposed to provide protection if you need to enter a long-term care facility or will require special medical care at home for services such as the following: nursing care rehabilitation and therapy personal care (help with activities of daily living like dressing, eating etc.) homemaking...