Understanding Automobile Insurance and Rehabilitation in Ontario: Common Sense Definitions and Explanations
|
|
- Darrell Dennis
- 8 years ago
- Views:
Transcription
1 Understanding Automobile Insurance and Rehabilitation in Ontario: Common Sense Definitions and Explanations clinical excellence human focus 15 Barrie Blvd., St. Thomas, ON N5P4B9 Ph: Fx:
2 Understanding Automobile Insurance and Rehabilitation in Ontario: Common Sense Definitions and Explanations Introduction At Novus Rehabilitation we understand that navigating the claims process after an automobile accident can be challenging, especially when you or a loved one needs care or rehabilitation. Sometimes trying to understand the process, the terminology and the various definitions can be an unwanted stressor. In this free e-book we have summarized definitions/descriptions of various processes, legislation and services you may encounter as you navigate the claims process after an injury from an automobile accident. These definitions are designed to help you to better understand, in a common sense way, some of the terms you might encounter. This document does not cover every definition or term that you might encounter and for many you might want to learn more information. If that is the case, you could review the Insurance Act and the associated Statutory Benefits Schedule (SABS) or call us in the office at (or office@novusrehab.ca) and we ll be happy to help. Please note: The content and definitions in this document may be reproduced only for your own personal or educational use. This material is copyrighted and must be appropriately referenced and acknowledged as the intellectual property of Novus Rehabilitation. We recommend that any acknowledgement read: Information provided courtesy of Novus Rehabilitation. The information contained in this document may not be copied or otherwise reproduced for any commercial use or application. Novus Rehabilitation 2014 All Rights Reserved 2
3 Part 1: Helping You Understand the Process I ve been injured in a motor vehicle accident in Ontario. How do I get coverage for services I might need? In order to be covered for any services that you might need after being injured in a motor vehicle accident in Ontario you must contact your insurance company and report your claim. They will generally send you a package which contains a number of forms: OCF 1 Application for Accident Benefits (you complete this form) OCF 2 Employer s Confirmation of Income (your employer completes this form) OCF 3 Disability Certificate (your doctor most commonly completes this form) OCF 5 Permission to Disclose Health Information (you complete this form) OCF 23 - Treatment Confirmation Form (if you are seeking treatment the service provider completes this form if you fall under the Minor Injury Guidelines or MIG). These forms, as a whole, serve to open your file with the insurance company so that you are eligible for the benefits that you may be entitled to receive. I think that I need some treatment and care. How do I access it? In order for you to access treatment and care following an automobile accident the service provider (i.e., health care professional) who you wish to work with must complete an OCF 18 Treatment and Assessment Plan. Before you can receive their services the OCF 18 must be approved by the insurance adjuster assigned to your file. In some urgent instances assessments and/or treatments may proceed with verbal approval from the adjuster. Once approval is received from the adjuster you may proceed with the requested treatment or care for the duration specified in the OCF 18. If your OCF 18 is declined the adjuster may request an Insurer s Examination (IE) in order to obtain a second opinion related to your need for this treatment or care. Novus Rehabilitation 2014 All Rights Reserved 3
4 Part 2: Key Definitions FSCO The Financial Services Commission of Ontario (FSCO) is responsible to oversee the insurance and pension industries in Ontario. FSCO makes the rules that govern the insurance industry in Ontario. SABS Part of the Insurance Act, the Statutory Accident Benefits Schedule is a regulation that defines what benefits you are entitled to after an accident in Ontario. MIG Minor Injury Guideline If your injuries are primarily soft tissue in nature (i.e., sprains, strains) then your coverage would fall under the Minor Injury Guideline or MIG. Benefits under the MIG are restricted to $3500 for medical and rehabilitation services. Non Catastrophic Impairment If the nature of your injuries are more severe than the Minor Injury Guideline (MIG) but not immediately considered Catastrophic in nature then a Non Catastrophic Impairment classification would apply. Accordingly, you would be entitled to various benefits at the Non Catastrophic Impairment level. For example, as an adult you would be entitled to fifty thousand dollars in Medical and Rehabilitation Benefits over a ten year period and/or your entitlement to Attendant Care Benefits would be limited to a two year period (104 weeks). In the case of minors the duration of benefit coverage may exceed ten years depending upon their age at the time of the accident. Catastrophic Impairment Depending on the nature and severity of your injury (i.e., brain injury, spinal cord injury, amputation etc.) your impairments may be deemed to be catastrophic in nature. If this is the case the length of time and the overall dollar value of your benefits increase. For example, your Medical and Rehabilitation Benefit would be one million dollars over the course of your lifetime (vs. fifty thousand dollars over a ten year period if your injuries are noncatastrophic). Claims Adjuster (Adjuster) A Claims Adjuster is responsible to adjust or oversee your insurance claim on behalf of the insurance company. Novus Rehabilitation 2014 All Rights Reserved 4
5 Accident Benefits Accident benefits is the term used in the auto insurance world when referring to the variety of benefits you may be entitled to if you are injured in an automobile/motor vehicle accident. Types of accident benefits may include, but are not limited to: income replacement benefits, medical and rehabilitation benefits, caregiving benefits, housekeeping benefits and/or attendant care benefits. Income Replacement Benefit (IRB) This is a part of your standard automobile insurance coverage; it is intended to cover your lost income if you are off work due to your injuries. The amount of the income replacement benefit depends on your specific coverage. It is possible to purchase a higher level of income replacement benefit when you are buying an auto insurance policy. Note: If Income Replacement Benefits do not apply to you then you may be entitled to Non-Earner Benefits or Caregiver Benefits. Non-Earner Benefit If you are not employed you may be eligible to receive Non- Earner Benefits if you meet the criteria that you suffer a complete inability to carry on a normal life as defined in the SABS. Caregiver Benefit If your primary role is as the caregiver to your children or adult parents and you are unable to participate in these tasks due to your injuries you may be entitled to receive Caregiver Benefits rather than Income Replacement Benefits. Medical and Rehabilitation Benefit You are entitled to Medical and Rehabilitation Benefits to cover a wide variety of costs associated with your medical care, related medications, therapy/rehabilitation services, equipment or home modification needs and eligible transportation costs. Attendant Care Benefit Your entitlement to Attendant Care Benefits must be assessed by an Occupational Therapist or Registered Nurse and documented on the Form 1 reflecting your need for assistance in managing your own personal care tasks. Such tasks might include, but are not limited to: bathing, dressing, grooming, mobility, dining, taking medications etc. These funds may be used to pay for someone to come into your home and assist you with those tasks that you are unable to safely or independently manage due to your injuries. The Attendant Care Benefit does not encompass housekeeping needs. Novus Rehabilitation 2014 All Rights Reserved 5
6 IE (Insurer s Examination) Under Section 42 of the Statutory Accident Benefits Schedule (SABS) your insurance adjuster may seek an unbiased opinion about recommendations related to your care. In this situation, the adjuster may select a health care professional to perform an Insurer s Examination (IE) of professional recommendations for treatment, services or equipment requested. It is expected that this evaluator should have the knowledge and experience to provide an unbiased opinion related to your unique clinical needs. The Insurer s Examination assessor is not to provide treatment and results of their clinical analysis must be reported back to the referring insurance adjuster generally within ten working days. If recommendations are made related to treatment or equipment you must be notified of your right to select your preferred therapist to follow through. Should you disagree with the findings of the IE you have the right to apply for mediation. FAE A Functional Abilities Evaluation (commonly referred to as an FAE) is an objective assessment of your abilities and limitations. This type of assessment looks at your physical and cognitive abilities such as strength, endurance and movement dexterity. The data obtained in completing the FAE allows for comparisons to be made in various contexts; quite often, FAE data is used in supporting analysis of safe return to work and related to what type of accommodations or supports may be needed. There are various FAE methods utilized in the industry. JSA A Job Site Analysis (commonly referred to as a JSA) is a multi-faceted assessment typically involving a physical demands analysis (an assessment of the physical demands at your job). Following the completion of a JSA a report will be generated and it should include information and/or recommendations to support your safe return to work given your physical issues or impairments. This may include, but is not limited to, ergonomic, environmental/design recommendations as well as posture, movement or technique recommendations. PDA A Physical Demands Assessment (typically referred to as a PDA) is an objective analysis of your occupation/job and all of the responsibilities and tasks involved in its completion. Often, your employer has a record of the physical demands of each job at your workplace. Novus Rehabilitation 2014 All Rights Reserved 6
7 Mediation If you have requested treatment or services and have, following an Insurer s Examination (IE) been refused then one option is to apply for Mediation. Mediation is a confidential process that helps to resolve disputes between you and your insurance company using a mediator from the Financial Services Commission of Ontario (FSCO). If the more informal mediation process does not resolve your concerns then the next step is the formalized Arbitration process. Arbitration If the mediation process proves unsuccessful then Arbitration is the next step. A neutral arbitrator will hear the arguments of both sides and usually makes a final decision. Motor Vehicle Accident Claims Fund (MVACF) If you are injured and neither you nor the other party involved in the accident have insurance coverage then the Motor Vehicle Accident Claims Fund (MVACF) is considered to be the payer of last resort. Practically, this means that coverage for your accident benefits claim will be provided through this fund. Novus Rehabilitation 2014 All Rights Reserved 7
What about Money? Understanding Income Sources after a Motor Vehicle Accident
What about Money? Understanding Income Sources after a Motor Vehicle Accident clinical excellence human focus 15 Barrie Blvd., St. Thomas, ON N5P4B9 Ph: 519-637-0981 Fx: 519-637-6997 www.novusrehab.ca
More informationACCIDENT BENEFITS COVERAGE IN ONTARIO CAR INSURANCE VISIT IBC.CA
ACCIDENT BENEFITS COVERAGE IN ONTARIO CAR INSURANCE VISIT IBC.CA Accident Benefits Coverage in Ontario Contents If You Are in a Motor Vehicle Collision...2 Specified Benefits...4 Death and Funeral Payments...8
More informationMotor Vehicle Accident Claims: What are your rights?
Motor Vehicle Accident Claims: What are your rights? If you or a loved one has been seriously injured in a motor vehicle accident, there are a number of critical decisions that must be made. Who will care
More informationHow To Get A Medical Insurance Plan For A Motorcycle Accident
TR_Motorcycle_Kit_06-025 KitText.qxd 13-03-13 10:15 AM Page 1 InformatIon KIt for MOTORCYCLISTS Effective: November 1, 2012 What you need to know about your legal rights Personal Injury Litigators since
More informationOur Personal Injury Guidebook
Our Personal Injury Guidebook Partnering with you on your road to recovery 2 Table of Contents Injured? You Must Take the Following Steps........... 3 Our Promise to Our Clients.................... 4 At
More informationAccident Benefits Coverage in Ontario
Accident Benefits Coverage in Ontario June 2007 Accident Benefits Coverage in Ontario Table of Contents If You Are in a Car Crash...1 Specified Benefits...3 Death and Funeral Payments...7 Medical, Rehabilitation
More informationOur Personal Injury Guidebook
Our Personal Injury Guidebook Partnering with you on your road to recovery 2 Table of Contents Injured? You Must Take the Following Steps........... 3 Our Promise to Our Clients.................... 4 At
More information3006-001_ed02E. Ontario accident benefits
3006-001_ed02E Ontario accident benefits TM Trademark used under licence from Northbridge Financial Corporation. All rights reserved. No part of this publication may be reproduced, stored in retrieval
More informationMOTOR VEHICLE PERSONAL INJURY MANUAL for HEALTH CARE PROFESSIONALS
MOTOR VEHICLE PERSONAL INJURY MANUAL for HEALTH CARE PROFESSIONALS Guidelines for health care professionals to assist patients with obtaining benefits as a result of injuries suffered in a motor vehicle
More informationAccidents Happen. Recover with Dye & Russell INFORMATION FOR ACCIDENT VICTIMS AND THEIR FAMILIES DYE & RUSSELL. Personal Injury Lawyers
Accidents Happen Recover with Dye & Russell INFORMATION FOR ACCIDENT VICTIMS AND THEIR FAMILIES DR DYE & RUSSELL Personal Injury Lawyers ACCIDENTS HAPPEN Recover with Dye & Russell At Dye & Russell, we
More informationNEW CHANGES TO AUTOMOBILE LEGISLATION
NEW CHANGES TO AUTOMOBILE LEGISLATION INTRODUCTION When the original insurance law reforms were brought out back in 1990 and with each subsequent change, they have been led by fanfare from the government
More informationDECISION ON A PRELIMINARY ISSUE
Financial Services Commission of Ontario Commission des services financiers de l Ontario BETWEEN: ANDONIETTA ZAYA Applicant and STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY Insurer DECISION ON A PRELIMINARY
More informationWhat you should know
What you should know when you have been injured in a motor vehicle accident This booklet provides information about insurance benefits and other compensation that may be available to you when you have
More informationPersonal Injury Motor Vehicle Litigation: SABS and Tort
Personal Injury Motor Vehicle Litigation: SABS and Tort Shauna K. Powell, Lerners LLP The purpose of this paper is to provide a general overview of the tort and the Statutory Accident Benefits Schedule
More information(3) provide certainty around cost and payment for insurers and regulated health professionals;
Welcome to the World of the SABS - Out with the PAF in with the MIG: A review of the Application of the Minor Injury Guideline in SABS Claims by Marie T. Clemens On September 1, 2010, Ontario Regulation
More informationDear Valued Clients, Thank you for making your Insurance Dynamic! Kindest Regards, DYNAMIC INSURANCE BROKERS
Dear Valued Clients, The Financial Service Commission of Ontario (FSCO), the provincial government regulator of Auto Insurance is introducing reforms effective September 1, 2010. Periodically (usually
More informationEVER ESCALATING CLAIMS: THE EVOLVING AUTO INSURANCE PRODUCT STRESSES ON THE SYSTEM By: Catherine Korte
EVER ESCALATING CLAIMS: THE EVOLVING AUTO INSURANCE PRODUCT STRESSES ON THE SYSTEM By: Catherine Korte For those of you who self insure, let s say the first million. For those of you who own fleets. For
More informationHow To Choose Your Auto Insurance In Ohio
Summary of Important Changes to Your Policy You Now Have More Choice Recent reforms introduced by the Ontario government will give you more choice over the coverages and price you pay for auto insurance.
More informationSETTLEMENT DISCLOSURE NOTICE
SETTLEMENT DISCLOSURE NOTICE Final Settlement of a Statutory Accident Benefits Claim Bill 164 (For accidents between January 1, 1994 and October 31, 1996) NOTICE AND CAUTION Your insurer is required to
More informationOntario Brain Injury Association
Ontario Brain Injury Association Sivan Raz Senior Policy Analyst Auto Insurance Policy Unit Financial Services Commission of Ontario 5160 Yonge Street Box 85 Toronto ON M2N 6L9 Dear Ms. Raz, On behalf
More informationAuto Insurance and Attendant Care
Bayshore Home Health Conference Tuesday, November 23, 2010 Auto Insurance and Attendant Care Presented by: David F. MacDonald, Thomson, Rogers T: 416-868-3155 C: 647-290-7291 Hazel Wood, Rehab Results
More informationOntario Car Accident Insurance
Ontario Car Accident Insurance Car Accident Insurance in Ontario I was injured in a car accident. What insurance is available to assist me as I recover? There are possibly two main sources of compensation
More informationThe complete legal solution for injury and insurance claims
The complete legal solution for injury and insurance claims Let THE HIMELFARB PROSZANSKI LLP Advantage guide you on your road to recovery. Mr. Himelfarb is head of the Litigation practice at the firm.
More informationPracticing Within the New Auto Insurance Scheme: Pitfalls and Strategies
Practicing Within the New Auto Insurance Scheme: Pitfalls and Strategies Introduction An increase of nearly 800 per cent in insurance company profits for 2003 was a surprise, especially after repeated
More informationHow To Pay For A Minor Injury
EXAMINATIONS, ASSESSMENTS AND REPORTS WHAT S COVERED AND WHO PAYS? 1 Sloan H. Mandel Partner Thomson, Rogers On September 1, 2010, a new SABS regime takes effect. There are a number of drastic changes
More informationHealth Service Provider Licensing Toolkit for Examinations/Audits
Health Service Provider Licensing Toolkit for Examinations/Audits INTRODUCTION In December 2014, the Financial Services Commission of Ontario (FSCO) began on-site audits which they refer to as examinations
More information(Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011
Insurer (Ontario) Use this Certificate for policies first issued or renewed between September 1, 2010 and August 31, 2011 This is your. Contact your Broker/Agent with any questions or if you require clarification
More informationWorking within the New SABs
Summary: The new Statutory Accident Benefits (SABs) are slated to come into effect on September 1, 2010. The new SABs represent a significant cut in the benefits available to injured parties. In some cases,
More informationYour Auto Insurance Policy ONTARIO. is Changing
Your Auto Insurance Policy ONTARIO is Changing Your auto insurance policy is changing Your Ontario auto insurance benefits are changing to make your premiums more affordable and provide you with greater
More informationThe Court s Approach to Muliple Injuries, Pre-exiting Injuries, and Psychological Injuries on the Determination of Catastrophic Impairment:
Derek Nicholson (613)241-6307 John Read (613)241-7588 Patrick Murphy (613)244-2374 Donna Robinson (613)241-9528 979 Wellington Street W, Ottawa, Ontario K1Y 2X7 www.beament.com The Court s Approach to
More informationHealth Claims for Auto Insurance July 2012 Guideline. July 2012. Superintendent s Guideline No. 02/12
Financial Services Commission of Ontario Commission des services financiers de l Ontario Health Claims for Auto Insurance July 2012 Guideline July 2012 Superintendent s Guideline No. 02/12 Health Claims
More informationWhere to Begin 1. What You Need to Know Once You ve Been Injured 2. The People Playing a Role in Your Recovery 5
Where to Begin 1 Contents What You Need to Know Once You ve Been Injured 2 The People Playing a Role in Your Recovery 5 Why You Need a Personal Injury Lawyer 8 Frequently Asked Questions 11 Recovery Diary
More informationAPPENDIX 2A Sample Initial Letter
APPENDIX 2A Sample Initial Letter Dear [name]: Re: Motor Vehicle Accident Please read this letter carefully and retain it in your file, as it contains important information about your claim and the basis
More informationThis booklet is meant to assist people who have been seriously injured in a motor vehicle accident to understand the compensation available in
A F T E R A C A R A C C I D E N T : Ac c e s s Yo u r Le g a l R i g h t s This booklet is meant to assist people who have been seriously injured in a motor vehicle accident to understand the compensation
More informationJuly 2003 CODE OF CONDUCT FOR STATUTORY ACCIDENT BENEFIT REPRESENTATIVES
Financial Services Commission of Ontario Commission des services financiers de l Ontario July 2003 CODE OF CONDUCT FOR STATUTORY ACCIDENT BENEFIT REPRESENTATIVES Issued by the Superintendent of Financial
More informationUPDATE ON PERSONAL INJURY LAW AND PRACTICE. May 9 12, 2012. William A. G. Simpson
UPDATE ON PERSONAL INJURY LAW AND PRACTICE 22 nd Annual Conference of The Institute of Law Clerks of Ontario May 9 12, 2012 William A. G. Simpson Partner Lerners LLP (London) This paper will provide a
More informationTHE DOMINION S QUALITY TREATMENT NETWORK DOCUMENTS
THE DOMINION S QUALITY TREATMENT NETWORK DOCUMENTS THE DOMINION OF CANADA GENERAL INSURANCE COMPANY QUALITY TREATMENT NETWORK DOCUMENTS Disclosure and Consent... 1 Waiver of Submission (OCF 23)... 3 The
More informationHave you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION
Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal
More informationDecember 2014 Health Claims for Auto Insurance Guideline
Financial Services Commission of Ontario Commission des services financiers de l Ontario December 2014 Health Claims for Auto Insurance Guideline Health Claims for Auto Insurance December 2014 Guideline
More informationAMENDMENTS TO THE AUTO INSURANCE REGULATIONS: ACCIDENT BENEFITS AND BILL 198
AMENDMENTS TO THE AUTO INSURANCE REGULATIONS: ACCIDENT BENEFITS AND BILL 198 Introduction Earlier this year, the Progressive Conservative Government passed Bill 198 amending the Insurance Act. This represents
More informationA GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT
A GUIDE FOR PEOPLE INJURED IN A MOTOR VEHICLE ACCIDENT CONTENTS General information 02 Early payment of expenses 03 The Accident Notification Form (ANF) 03 Who can make a claim Other driver or owner at
More informationAccident Benefits & Spinal Cord Injuries under Bill 198
Accident Benefits & Spinal Cord Injuries under Bill 198 Presented by: David F. MacDonald, David A. Payne & Wendy Moore Johns June 23, 2005 Attendant Care Provided by Family Members in Hospital Pay Now,
More informationinjury management practices
audit guidelines injury management practices guidelines to understanding the audit standards for the injury management section of the acc partnership programme ACC2465 Printed September 2006 These guidelines
More informationTHE ROAD AHEAD FOR IMPECUNIOUS VICTIMS th. A. Introductory Comments and General Overview of Benefits
THE ROAD AHEAD FOR IMPECUNIOUS VICTIMS th Paper originally presented to the Carleton County Law Association on May 25, 2010 by Derek Nicholson A. Introductory Comments and General Overview of Benefits
More informationMOTOR VEHICLE COLLISION SUMMARY ADVICE FORM
MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM Form 1.03 September 9, 2015 TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code)
More informationACCIDENT BENEFIT CHANGES Overview of the Statutory Accident Benefits Schedule Ontario Regulation 34/10 effective September 1, 2010
ACCIDENT BENEFIT CHANGES Overview of the Statutory Accident Benefits Schedule Ontario Regulation 34/10 effective September 1, 2010 Darcy Merkur & Leonard Kunka of Thomson, Rogers 2010 INDEX: Page # INTRODUCTION
More informationWorking for business. Getting to know ACC. An overview of ACC for employers and the self-employed
Working for business Getting to know ACC An overview of ACC for employers and the self-employed ACC provides 24/7, no-fault personal injury cover for everyone in New Zealand. This includes a comprehensive
More informationA GUIDE TO THE SUBSTITUTE DECISIONS ACT
A GUIDE TO THE SUBSTITUTE DECISIONS ACT 0-7794-2147-7 Queen s Printer for Ontario, 2000 Introduction to the Guide 03 The Subsitute Decisions Act 06 Some Important Definitions 08 Decisions About Property
More informationWorkers Compensation Amendment (Transitional) Regulation 2012
New South Wales Workers Compensation Amendment (Transitional) Regulation 2012 under the Workers Compensation Act 1987 Her Excellency the Governor, with the advice of the Executive Council, has made the
More informationWorkers guide to workers compensation Guide
Workers guide to workers compensation Guide www.worksafe.nt.gov.au Disclaimer This publication contains information regarding workers rehabilitation and compensation. It includes some of your obligations
More informationAfter an Auto Accident:
Financial Services Commission of Ontario After an Auto Accident: Understanding the Claims Process If you ve been involved in an automobile accident and need to file an insurance claim, this booklet will
More informationTop Ten Accident Benefits Cases of 2014. by Renée Vinett
Top Ten Accident Benefits Cases of 2014 by Renée Vinett 1 Guo and State Farm Mutual Automobile Insurance Company - March 26, 2014 Facts: Ming Guo was a Chinese citizen visiting Ontario with her family
More informationNCAA CATASTROPHIC INJURY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS
NCAA CATASTROPHIC INJURY INSURANCE PROGRAM FREQUENTLY ASKED QUESTIONS APPLICABLE TO 8/1/12 TO 7/31/13 POLICY PERIOD This document is a summary of the NCAA Catastrophic Injury Insurance Program. The insurance
More informationExpansion of Motor Injury Insurance Cover Catastrophic Injury Support scheme
Frequently Asked Questions Expansion of Motor Injury Insurance Cover Catastrophic Injury Support scheme What is the Catastrophic Injury Support scheme? What is a catastrophic injury? A catastrophic injury
More informationMOTOR VEHICLE COLLISION SUMMARY ADVICE FORM
Form 1.03 July 9, 2014 MOTOR VEHICLE COLLISION SUMMARY ADVICE FORM TO: (Name) (Address) FROM: KUBITZ & COMPANY Lawyers 1716 10 th Avenue S.W. Calgary, Alberta T3C 0J8 (City, Province, Postal Code) Home
More informationTHE COMING CHANGES TO ONTARIO AUTO LEGISLATION: ACCIDENT BENEFITS & TORT
BACK TO SCHOOL CONFERENCE 2015 with PIA Law and Toronto ABI Network THE COMING CHANGES TO ONTARIO AUTO LEGISLATION: ACCIDENT BENEFITS & TORT SEPTEMBER 10, 2015 DARCY R. MERKUR, Partner Thomson, Rogers
More informationAccident Compensation Corporation. Personal Injury Insurance for all New Zealanders
Accident Compensation Corporation Personal Injury Insurance for all New Zealanders Find out how the ACC Scheme works and how you can have your say on what you pay Deadline for submissions 5.00 pm, 10 November
More informationEstimates for Rehabilitation Liabilities: Points to Consider
Estimates for Rehabilitation Liabilities: Points to Consider Presentation by Swee Chang & Sandra Chapman Accident Compensation Corporation of NZ This presentation will cover Overview of NZ s accident compensation
More informationCycling and the Law: Know your Rights!
Cycling and the Law: Know your Rights! Patrick Brown Rights of The Injured Cyclist When a cyclist is struck by a car or truck, the injuries to the cyclist can be significant. It can have a dramatic impact
More informationONTARIO ASSOCIATION OF SOCIAL WORKERS (OASW) ROLE STATEMENT AND PROCEDURES FOR SOCIAL WORKERS TO GUIDE ASSESSMENTS AND TREATMENT
ONTARIO ASSOCIATION OF SOCIAL WORKERS (OASW) ROLE STATEMENT AND PROCEDURES FOR SOCIAL WORKERS TO GUIDE ASSESSMENTS AND TREATMENT IN AUTOMOBILE INSURANCE SECTOR Final February 2012 OASW ROLE STATEMENT AND
More informationACC AUDIT GUIDELINES - INJURY MANAGEMENT PRACTICES
ACC AUDIT GUIDELINES - INJURY MANAGEMENT PRACTICES Guidelines to understanding the audit standards for the Injury Management Section of the ACC Partnership Programme Please note: There is a separate guideline
More informationNew Approaches to Providing Vocational Rehabilitation Services to Injured Employees in the Texas Workers Compensation System
New Approaches to Providing Vocational Rehabilitation Services to Employees in the Texas Workers Compensation System A Joint Report to The Legislature By Albert Betts, Commissioner Texas Department of
More informationOFFICE OF INSURANCE REGULATION Property and Casualty Product Review
OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE
More informationRISK RESPONSIBILITY REALITY APPENDIX D AUTOMOBILE INSURANCE IN CANADA
The appendix includes relevant clauses drawn from the Compulsory Minimum Insurance Coverage for Private Passenger Vehicles as prepared by the Insurance Bureau of Canada (FACTS 2005 p. 12-15) used with
More informationYour Guide to Recovery
Your Guide to Recovery PERSONAL INJURY LAWYERS Committed to Your Future We will: Ensure all necessary notices are provided to maintain your claim and commence the action within the limitation period. Work
More informationPresentation To Standing Committee on General Government Regarding Auto Insurance By Ontario Chiropractic Association May 1, 2013
Presentation To Standing Committee on General Government Regarding Auto Insurance By Ontario Chiropractic Association May 1, 2013 Contact: Dr. Bob Haig, CEO Ontario Chiropractic Association 200-20 Victoria
More informationHow To Deal With A Serious Car Accident
In an instant, a serious motor vehicle accident has changed your life, and the lives of your loved ones. When my 3 year old son was air lifted to Sick Kids in Toronto, I couldn't begin to understand how
More informationRe: Catastrophic Impairment Project Expert Panel Report Public Consultation
May 11, 2011 Mr. Willie Handler Senior Policy Analyst Auto Insurance Policy Unit Financial Services Commissioner of Ontario 5160 Yonge Street P.O. Box 85 Toronto, Ontario M2N 6L9 Re: Catastrophic Impairment
More informationOverview of the Provisions of the NJ Automobile Insurance Cost Reduction Act
Overview of the Provisions of the NJ Automobile Insurance Cost Reduction Act has requested that CorVel Corporation work with you and your physician to assure that you receive all medically
More informationMINOR INJURY REGULATION
Province of Alberta INSURANCE ACT MINOR INJURY REGULATION Alberta Regulation 123/2004 With amendments up to and including Alberta Regulation 39/2016 Office Consolidation Published by Alberta Queen s Printer
More informationAbout CADRI and Direct Marketing. Overview of CADRI submission. Objectives. Summary of CADRI recommendations
This submission is on behalf of The Canadian Association of Direct Response Insurers (CADRI) in regard to the consultation on Part VI of the Insurance Act - the review of Ontario s automobile insurance
More informationALERT ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 INTERNATIONAL
INTERNATIONAL ALERT September 2010 Issue 45 ONTARIO S AUTO INSURANCE CHANGED ON SEPTEMBER 1, 2010 www.willis.com Over the last few years automobile insurance in Ontario has been a hot topic for both the
More information1.1 Australian Capital Territory 1.2 New South Wales 1.3 Northern Territory 1.4 Queensland
Attachment C 1. Workers Compensation Schemes 1.1 Australian Capital Territory 1.2 New South Wales 1.3 Northern Territory 1.4 Queensland 1.5 South Australia 1.6 Tasmania 1.7 Victoria 1.8 Western Australia
More informationA Consumer Guide. An Explanation of New York s New York s No-Fault Insurance for Motor Vehicles
79 Wall Street Huntington, NY 11743 800.660.1466 631.425.9775 718.220.0099 631.415.5004 (fax) A Consumer Guide An Explanation of New York s New York s No-Fault Insurance for Motor Vehicles If you have
More informationLAWYERS New South Wales & Victoria. A transport accident is an incident directly caused by a motor car or motor vehicle, a railway train, or a tram.
LAWYERS New South Wales & Victoria Transport Accident Commission (TAC) Claims FREQUENTLY ASKED QUESTIONS What is a transport accident? A transport accident is an incident directly caused by a motor car
More informationDECISION ON A PRELIMINARY ISSUE
BETWEEN: ANDREW ZABOROWSKI Applicant and STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY Insurer DECISION ON A PRELIMINARY ISSUE Before: Heard: By telephone conference call on January 24, 2005. Appearances:
More informationACCIDENT BENEFITS: RECENT CHANGES AND DEVELOPMENTS
The Law Society of Upper Canada October 18, 2007 ACCIDENT BENEFITS: RECENT CHANGES AND DEVELOPMENTS Richard M. Bogoroch, Melinda J. Baxter and Tripta S. Chandler Bogoroch & Associates REPRESENTING PERSONS
More informationunderstanding your workplace personal injury insurance policy A guide to your policy cover and conditions
understanding your workplace personal injury insurance policy A guide to your policy cover and conditions WPIIPG September 2013 contents About WorkCover Queensland 3 About your workplace personal injury
More informationGuide to. For Connecticut Private Sector Employees
Guide to Workers Compensation For Connecticut Private Sector Employees NEW ENGLAND HEALTH CARE EMPLOYEES UNION DISTRICT 1199, SEIU 77 Huyshope Avenue, Hartford, CT 06106 860-549-1199 September 2009 Workers
More informationFIS-PUB 0077 (6/13) Number of copies printed: 10,000 / Legal authorization to print: PA 145 of 1979 / Printed on recycled paper
DIFS is an equal opportunity employer/program. Auxiliary aids, services and other reasonable accommodations are available upon request to individuals with disabilities. FIS-PUB 0077 (6/13) Number of copies
More informationIN THE MATTER OF the Insurance Act, R.S.O. 1990, c.i.8, as amended, and Ontario Regulation 668.
IN THE MATTER OF the Insurance Act, R.S.O. 1990, c.i.8, as amended, and Ontario Regulation 668. AND IN THE MATTER OF the Arbitration Act, S.O. 1991, c.17 AND IN THE MATTER OF AN ARBITRATION BETWEEN: STATE
More informationWorkplace Health, Safety & Compensation Review Division
Workplace Health, Safety & Compensation Review Division WHSCRD Case No: 13277-12 WHSCC Claim No: 633272 Decision Number: 14132 Lloyd Piercey Review Commissioner The Review Proceedings 1. The review took
More informationEmployers guide to workers compensation Guide
Employers guide to workers compensation Guide www.worksafe.nt.gov.au Disclaimer This publication contains information regarding workers rehabilitation and compensation. It includes some of your obligations
More informationAccident Benefit. Significant Legal Decisions. In this issue of the Accident Benefit Reporter, we are pleased to provide a review and summary of
Accident Benefit R E P O R T E R Significant Legal Decisions Year 2000 in Review In this issue: Significant Legal Decisions Year 2000 in Review Leonard Kunka Partner A Thomson, Rogers Publication Volume
More informationReport on the Five Year Review of Automobile Insurance March 31, 2009
Report on the Five Year Review of Automobile Insurance March 31, 2009 Executive Summary 2 Recommendations 2 1. Introduction 14 2. Background 14 2.1 Previous auto insurance reforms 14 2.2 Review process
More informationanswers to some of the tough questions that insurers get asked in Ontario. We hope it helps you own the road this summer.
Dear colleague, We ve prepared this Q&A backgrounder to arm you with answers to some of the tough questions that insurers get asked in Ontario. We hope it helps you own the road this summer. We ll follow
More informationOVERVIEW OF CHANGES TO AUTO INSURANCE
CHANGES TO ONTARIO AUTO INSURANCE BILL 198 and Other Changes What the Health Care Professional Needs to Know Presented by: OVERVIEW OF CHANGES TO AUTO INSURANCE 2 1 Significant Changes a) Substantial changes
More informationThe Pennsylvania Insurance Department s LONG-TERM CARE. A supplement to the Long-Term Care insurance guide.
LONG-TERM CARE A supplement to the Long-Term Care insurance guide. These definitions are offered to give you a general understanding of the terms you will hear when looking for Long-Term Care insurance.
More informationFacts & Tips about Long-term Disability (LTD)
Facts & Tips about Long-term Disability (LTD) Revised June 2008 Please keep this document handy for reference It offers general information about LTD benefits under an insurance policy or contract. It
More informationWorker s Handbook. A guide to your workers compensation insurance. Nova Scotians safe and secure from workplace injury
Worker s Handbook A guide to your workers compensation insurance Nova Scotians safe and secure from workplace injury Your Worker s Handbook at a glance Your care comes first: health care benefits.... 2
More informationThe Pennsylvania Insurance Department s. Your Guide to Long-Term Care. Insurance
Your Guide to Long-Term Care Insurance When you re in the prime of life, it s hard to imagine being unable to do the basic activities of daily living because of age or disability. But the reality is that
More informationConcerning the Cap on Pain and Suffering Awards for Minor Injuries
Discussion Paper Concerning the Cap on Pain and Suffering Awards for Minor Injuries Office of the Superintendent of Insurance January, 2010 Introduction The Province of Nova Scotia regulates automobile
More informationThe Schlitt Law Firm A Consumer Guide to New York No-Fault Auto Insurance
The Schlitt Law Firm A Consumer Guide to New York No-Fault Auto Insurance The Schlitt Law Firm 79 Wall Street, Huntington, NY 11743 www.schlittlaw.com 631.425.9775 A Consumer Guide An Explanation of New
More informationInformation for Workers. Information for Workers
Information for Workers Information for Workers Revised March 2015 Contents Overview... 2 Workplace Injuries... 2 Worker Responsibilities... 2 Employer Responsibilities... 4 WCB Responsibilities... 4 Returning
More informationAdministrative Procedures Memorandum A4007
Page 1 of 9 Date of Issue May 2015 Original Date of Issue March 2011 Subject WORKPLACE SAFETY AND INSURANCE BOARD (WSIB) CLAIMS References Links Contact Workplace Safety & Insurance Act (Ontario) Human
More informationYour Long-Term Care Insurance Benefits
Long-Term Care Long-Term Care Insurance can help you or an eligible family member pay for costly Long-Term Care assistance when you can no longer function independently. For more information on See Page
More informationUniversity Students Council of the University of Western Ontario EARLY AND SAFE RETURN TO WORK POLICY
EFFECTIVE: 30 th October 2012 SUPERSEDES: 15 th November 2011 AUTHORITY: General Manager RATIFIED BY: Executive Council 30 th OCTOBER 2012 RELATED DOCUMENTS: PAGE 1 of 8 PURPOSE: This Policy is created
More informationOFFICE OF INSURANCE REGULATION Property and Casualty Product Review
OFFICE OF INSURANCE REGULATION Property and Casualty Product Review NOTIFICATION OF PERSONAL INJURY PROTECTION BENEFITS YOUR PERSONAL INJURY PROTECTION RIGHTS AND BENEFITS UNDER THE FLORIDA MOTOR VEHICLE
More informationDECISION ON A PRELIMINARY ISSUE
BETWEEN: TRACY SCHUTT Applicant and ALLSTATE INSURANCE COMPANY OF CANADA Insurer DECISION ON A PRELIMINARY ISSUE Before: Heard: Appearances: Joyce Miller Written submissions from both parties were received
More informationHow To Get A Workers Compensation Insurance Plan
A Guide to Workers Compensation Benefits For Employees of Self-Insured Businesses Contents Introduction...1 What Is Workers Compensation Insurance?...2 What to Do if You Are Injured at Work...3 Your Benefits...4
More information