<QUALIFIED FOR Non-Earner Benefits after post-accident employment> 1. Applying the test set out in Heath v. Economical Mutual Insurance Company, 2009 ONCA 391, the Tribunal found that in the immediate post-accident period it cannot be said that the plaintiff “engaged in” most of her pre-accident homemaker and recreational activities. Pain prevented her from doing so. … Read More

<Removal from the Minor Injury Guideline under the Schedules> 1. An insured person may be removed from the MIG if it can be established that accident-related injuries fall outside of the MIG or, under s. 18(2), that a documented pre-existing injury or condition combined with compelling medical evidence states that the condition precludes recovery if … Read More

Why do you need to understand the policy of your disability benefits insurance companies?

<Why do you need to understand the policy of your disability benefits insurance companies?> -While your disability benefits insurance companies are to pay your short-term and long-term disability benefits until you cease to be disabled, your policy contains the definition of disability and duration of your benefits. -Here are examples of how the policy of … Read More

“Total Disability” or “Totally Disabled” In the London Life Insurance Policy:

-The plaintiff, who was diagnosed as suffering from Chronic Fatigue Syndrome (“CFS”), brought an action against the insurer he was entitled to long-term disability benefits under the disability insurance policy issued by the defendant, and for punitive and aggravated damages. -The defendant did not dispute the diagnosis of CFS but took the position that the … Read More

<Taking MVA claimants’ injuries outside of Minor Injury Guideline> <thelegalservices.org/toronto/personal injury law> Mateluna v. Scottish & York, 2022 ONLAT 20-001965/AABS The applicant should discharge her evidentiary onus in establishing that she is entitled to treatment outside the Minor Injury Guideline. If s.25 Psychological Report diagnoses the applicant with adjustment disorder and specific phobia, the report … Read More

<Consequences for defective notices under s. 38(11) of the Schedules> -The consequences of a defective notice are stated in s. 38(11). -Applying that section, the insurance company is prohibited from taking the position that the applicants’ impairments fall within the MIG, and obligates the insurer to pay for the treatment plans until it gives the … Read More

<Self-employment income to be recognized under s. 4(5) of the Schedules> -With regards to the claimant’s self-employment, the insurer could claim that if the claimant’s self-employment income was received in cash, it cannot be used in the IRB calculation because his income is supposed to have an HST number under the Income Tax Act. -Section … Read More

<THE LAW OF COSTS IN THE SMALL CLAIMS COURT> -S.29 of the Courts of Justice Act, R.S.O. 1990, c. 43 governs rules on costs in theSmall Claims Court, which reads at section 29: An award of costs in the Small Claims Court, other than disbursements, shall not exceed 15 per cent of the amount claimed … Read More

<Example of how the damages can be assessed when tortfeasor’s liability is admitted> -Tortfeasors are not liable in an action in Ontario for damages for expenses that have been incurred or will be incurred for health care resulting from bodily injury arising directly or indirectly from the use or operation of the automobile unless, as … Read More

-Section 25(1) of the Schedule says that the insurer shall pay for the reasonable fees charged for preparing an application under s. 45 for a determination of whether the insured person has sustained a catastrophic impairment, including any assessment or examination necessary for that purpose. -We have relied on several past LAT and FSCO cases … Read More