Accident Benefits Category Archives

What is a Functional Capacity Evaluation?

If you have been injured in a car accident and your accident benefits (auto) insurer has been paying you an Income Replacement Benefit (“IRB”) because you cannot work, the insurer may, from time to time, assess your entitlement to continued IRBs. This includes sending you to one or more assessments conducted by a health professional. One of the assessments that insurers like to do is called a Functional Capacity Evaluation (“FCE”).

What’s going on at the LAT these days?

Two Steps Forward, One Step Back: Applying for CPP Disability when receiving Long-Term Disability Benefits

Many individuals who find themselves unable to work as a result of a serious injury or illness have disability benefits available through a group policy with their employer or through private coverage they have purchased independently. These policies typically provide 66.6% of your salary if the insurer determines that you meet the definition of disability as outlined in the contract. The initial test to qualify …

Tort Rights Eroded for Victims of Auto Accidents

Drunk, distracted and dangerous drivers – sit back and relax. Why? Because you don’t have to fully pay for your mistakes. The insurance companies that hire lawyers for you and defend you in court have spent millions of our premium dollars lobbying the government of Ontario to take away the rights of the people you injure when you are driving. Because of these efforts, the …

4 Questions to Ask Your Broker Before Renewing Your Auto Insurance

people review documents

On June 1, 2016, the automobile insurance coverage available to Ontarians fell dramatically, meaning car crash victims will now receive significantly less money to help them get back on their feet. The decreased coverage will take effect upon policy renewal. Unless consumers purchase optional additional coverage, the amount of coverage they have will be significantly less than it was prior to the June 1st changes. …

Optional Benefits Are Now Less “Optional” Than Ever

Simulated Smartphone Alert Graphic: Dangerously Low Coverage

If you didn’t know that your automobile insurance benefits were reduced on June 1st, you are not alone. A recent survey conducted by the Insurance Brokers Association of Ontario (“IBAO”) revealed that only 42% of consumers had heard about the changes and less than 20% could actually identify what those changes were. All Ontario drivers need to be familiar with these reductions to auto insurance coverage …