1 Community resources includes a section on legal issues A guide for you after spinal cord injury Spinal Cord Injury Rehabilitation Program July 2011
2 This booklet has been written by the health care providers who provide care to people who have a spinal cord injury or illness. At the time of this printing the information was accurate to the best of our knowledge. The information may change due to the rapid changes in health care. It is not intended to replace medical/health advice from your health care providers. Produced by Hamilton Health Sciences in partnership with: Excel Care Ross & McBride, LLP Law Firm - Hamilton Hamilton Health Sciences, Revised and reprinted 2008 and 2011.
3 We understand how stressful this time is for you and your family. We are here to help you, please talk with us about your concerns. This booklet is a guide to the community resources and legal services that can help you during this most difficult time. This booklet is divided into 4 sections: Section 1 Common questions that are often asked by our patients and families about finances, housing, home care, education and employment, and transportation Section 2 Legal services Section 3 Assisted Devices Program, ADP Section 4 Other resources Publications Recreation and exercise Telephone and security systems Accessible travel services Support relief services Most of the resources in this booklet are for the Hamilton area. If you need more information about these resources or need resources from other communities please ask your social worker, occupational therapist or Spinal Cord Injury Ontario representative. The Rehabilitation Resource Centre has many resources available. It is located on the first floor of the Regional Rehabilitation Centre at the Hamilton General Hospital , ext
4 Websites Websites often change. At the time of this printing here are three websites which you may find helpful: (interactive message board which is updated by medical professionals with many years experience with persons with SCI) (a great resource for assistive technologies, developed by the Research Department at Lyndhurst) (CPA Nationals webpage) Spinal Care Rehabilitation Program
5 Table of Contents Page Section 1: Common questions that are often asked by our patients and families about finances, housing, home care, education, work and transportation Financial assistance benefits... 3 Housing Home care services Education and employment Transportation Section 2: Legal services Legal services and a personal injury lawyer Obtaining a personal injury lawyer Section 3: Assisted Devices Program, ADP - authorized vendors
6 Page Section 4: Other resources Helpful websites Community information services Counselling services Help around the house Other support services Hospitals Peer support Public transportation Accessible transportation services Publications Recreation and exercise in the community Telephone and security systems Accessible travel service Spinal Care Rehabilitation Program
7 Page - 1 Section 1 Common questions Financial assistance benefits We want to make sure that you are aware of all the financial assistance benefits to which you may be eligible. Please talk with your social worker about your financial concerns and benefits. My family needs money to live on. How will we be able to pay our household bills? Perhaps the most important concern you and your family face is your loss of income and how you are going to pay for the costs of care and the help you will need. There are various sources of income support, compensation, financial help or benefits available to you. What you can apply for depends upon whether: you were employed before or at the time of your injury your injury was caused at work your injury was caused by a motor vehicle accident your injury was caused or contributed to by the negligence or fault of another your injury is the result of an illness or disease
8 Page - 2 If you were employed before your injury If you were employed before your injury, then depending on your situation, you may be able to access these benefits: Benefit Requirement More information Canada Pension Plan Disability Benefits, CPP/Disability Worker s Safety Insurance Board, WSIB Employment Insurance, EI You must be between the ages of 18 and 65. Having been employed and contributing to CPP for a minimum number of years before your injury. To receive WSIB benefits your injury or illness is work related. You must have contributed 600 insured hours to the EI plan in the last 52 weeks or since your last claim. Be over 18 years old. follow the website to CPP
9 Page - 3 Benefit Requirement More information Private/ Insurance Plan Short-term disability benefits, STD Long-term disability benefits, LTD Varies depending on the specific insurance policy. As a general guideline only, usually to access STD, you must be unable to perform the essential tasks of your employment. To access LTD, usually you must be unable to engage in any employment for which you are reasonably suited by education, training or experience. Contact your insurance company or refer to your insurance benefit handbook. Employee Benefits or Insurance Plan Short-term disability benefits, STD Long-term disability benefits, LTD Varies depending on the specific insurance policy. As a general guideline only, usually to access STD, you must be unable to perform the essential tasks of your employment. To access LTD, usually you must be unable to engage in any employment for which you are reasonably suited by education, training or experience. Contact your employer and check with your human resource department. Refer to your employee benefits handbook to determine your benefits.
10 Page - 4 If you were or were not employed before your injury These benefits may be available to you whether you were employed or not: Benefit Requirement More information Criminal Injuries Compensation Board, CICB Ontario Disability Supports Program, ODSP Assistive Devices Program, ADP To obtain CICB benefits your injury is a result of being a victim of crime, even if there has been no conviction. To receive ODSP benefits you must have a disability, be a legal resident of Ontario, and have a low income. The Assistive Devices Program assists in paying for some assistive devices for disabled persons. jus.gov.on.ca or See Section 3, page 26 Note: Many benefits have time limits within which you may apply. Be sure to apply for these benefits before your time limit runs out. You do not want to lose your benefits. Your injury is a result of a motor vehicle accident If you have been injured in a motor vehicle accident, you may be entitled to some or all the benefits listed on pages 2 to 4. Plus, you may be entitled to receive accident benefits from your automobile insurer regardless of who caused the accident.
11 Page - 5 Currently, at the time of writing this booklet, in order to protect your rights to accident benefits you must notify your insurance company within 7 days of the accident. The "no-fault" system in Ontario is complicated. The assistance of a qualified personal injury lawyer is necessary to adequately and effectively protect your rights to accident benefits. You are strongly advised to obtain a qualified personal injury lawyer who understands accident benefits, see section 2, page 24. If the accident was caused by the negligence of someone else you may also be entitled to additional payments from the other person s insurance company. These payments are over and above your accident benefits. There are important time limits in which you must apply. Accident benefits The "no-fault" system has recently changed as of September 1, The following are some of the benefits that will be available to persons injured in motor vehicle accidents in Ontario. Note: More changes are expected at the time this booklet was printed. The information below may be outdated.
12 Page - 6 Accident Benefit Income Replacement Benefits Non-Earner Benefits Caregiver Benefits Medical and Rehabilitation Funding Payment every 2 weeks of 70% of your gross income. This payment is based on your pre-accident employment earnings. Maximum payment is $ per week unless the optional increase has been purchased by you. Payments of $ per week and $ per week after 2 years. Not available for those with non-catastrophic injuries. For those with catastrophic injuries: Payments of $250 per week for the first person in need of care and $50 for each additional person in the household. Non-catastrophic impairment: Payments cannot exceed $50,000. Catastrophic impairment: Payments cannot exceed $1,000,000. Duration First 7 days of your disability are not covered. 104 weeks if unable to work in your own job, indefinitely if unable to work in any job. First 26 weeks of your disability are not covered. 2 years, unless person is completely unable to carry on a normal life. 10 years. Lifetime.
13 Page - 7 Accident Benefit Attendant Care Benefits Other Expenses: housekeeping, home maintenance, incidental expenses for travel and child care Funding Non -catastrophic impairment $3,000 per month maximum to total of $36,000 maximum. Catastrophic impairment: Payment cannot exceed $6, per month to a maximum of $1, Non-catastrophic no benefit Payment of $100 per week for housekeeping and home maintenance. Duration Up to 2 years as determined by RN or OT. Lifetime, need as determined by RN or OT. Catastrophic: lifetime. Application form In order to receive any of the above listed accident benefits, you must complete an application form. You must complete and return the application form to your insurance company within 30 days of getting the form. If you do not have your own insurance and you are a passenger of a vehicle, then submit the application to the insurance company that insured the vehicle you were a passenger in. If you were a pedestrian or a bicyclist, then submit the application to the insurance company that insured the vehicle involved in the accident.
14 Page - 8 If those vehicles do not have insurance then submit the application to the insurer of any vehicle involved in the accident. Failing that, call the Motor Vehicle Accident Claims Fund at How will I pay for all my equipment? Please discuss your equipment needs with your occupational therapist. You may be eligible for assistance with costs of equipment and home modifications from these programs: Employment benefits These vary with each policy, it is important to check your benefits booklet from your employer s Human Resources Department. Personal insurance policies You may have insurance with a private insurance company such as Blue Cross, Green Shield or Empire Life. Benefits vary with each policy. Check your benefits booklet or pamphlet. This can be obtained from the insurance company. Government programs Workers Safety and Insurance Board, WSIB For work related injuries
15 Page - 9 Assistive Devices Program, ADP Depending on your situation ADP pay from 70% to 100% of qualifying equipment costs such as wheelchairs, cushions, plus some supplies for age-eligible clients Special Financial Support Unit When other funding is unavailable or insufficient, you can contact Ontario Disability Support Program, ODSP or Ontario Works, OW, case worker, or by direct request. Income tested Department of Veterans Affairs, DVA For veterans of military services. Depends on income or cause of disability Non-Government organizations Canadian Cancer Society Easter Seals Society For children up to 19 years of age Will cost-share with other programs for wheelchairs and used equipment. Multiple Sclerosis Society
16 Page - 10 Ontario March of Dimes Assistive Devices Program Will cost share with other programs for wheelchairs and used equipment. To obtain an application call If already registered, call ext Ontario March of Dimes - Home and Vehicle Modification - HVMP Red Cross Loan Cupboard Renting equipment Community Care Access Centre (CCAC) may rent 1 or 2 pieces of equipment upon discharge, depending on safety or health issues. There is a time limit on how long you can rent equipment. For a current list of suppliers that will rent equipment please check with your occupational therapist. Cost of renting equipment will vary. Local service clubs such as Lions Clubs, Kinsmen, Rotary or other local charitable organizations may provide some financial assistance. Please check your local phone book. How can I afford to make my own home accessible? Please discuss your home modifications needs with your occupational therapist. In addition to some of the sources mentioned above, there are some other services that may help with home renovation costs for those who qualify.
17 Page - 11 Department of Veterans Affairs, DVA Easter Seals For homes of disabled children under 19 years Ontario March of Dimes, OMOD or Workers Safety and Insurance Board, WSIB Canada Mortgage and Housing Corporation (CMHC) RRAP-D Program or Is there any other financial help for persons with disabilities? There are other financial aids available. Please discuss your needs with your social worker or occupational therapists. Federal Excise Gasoline Tax Refund Rebate of tax paid on gasoline for those with mobility impairments
18 Page - 12 Canada Customs and Revenue Agency - Income Tax Disability Tax Credit for those with mobility impairment medical, home modification costs see booklet Information Concerning People with Disabilities [RC4064(E)] Ontario Retail Sales Tax Rebate For vehicles and adaptations Tax assessment reductions in Hamilton City of Hamilton , ext Will give 10% reduction in property tax, retroactive for 2 years. Certain restrictions apply. Registered Disability Savings Plan (RDSP) Must have long term disability, be under age 60, Canadian resident with social insurance number and eligible for Federal Disability Tax Credit. Canada Disability Savings Plan Matching grants up to 300% of individual s savings. Canada Disability Savings Grant Government benefit to low income individuals.
19 Page - 13 Housing The occupational therapist who looked at my home says I might not be able to return there. Where will I live? Please discuss your housing and care options with your social worker and/or your occupational therapist. They can provide you with information and help you with your applications. Accessible Housing CityHousing Hamilton , ext Community Housing Registry If you cannot return home, there are apartment buildings or one-floor homes that are partly accessible. The agencies listed below can help with this search. There are a limited number of accessible, subsidized apartment and townhouses available in this region. Your housing needs will be assessed and you will be placed on a wait list. Access to Housing Fax: Lists non-profit and subsidized units. Hamilton Housing Help Centre For housing providers not listed with Access to Housing (including market-rent). Urban Native Homes Inc Must have native status.
20 Page - 14 Home modifications Canada Mortgage & Housing Program, CHMC Financial assistance in the form of a low cost loan to help make your property more accessible. Eligibility is based on income. RRAP-D - Residential Rehabilitation Assistance Program HASI - Home Adaptation for Seniors Independence or Ontario March of Dimes Tetra Society of North America This group provides individually adapted devices only no housing. Canadian Paraplegic Association, CPA information only You will need to contact your municipality to determine building codes. Please speak with your occupational therapist for further recommendations and a current list of resources for home modifications. Supportive housing Each community also has subsidized housing with attendant care services. This is called Supportive Housing, and is provided by several non-profit agencies to help pay for the costs.
21 Page - 15 Supportive housing projects may include: 24 hour attendant services attendants are available within a 24 hour time period, but not with you for 24 hours life skills support self-contained apartments most are wheelchair accessible housekeeping self-directed attendant services Congregate living may include: residents live independently in a shared setting with their own bedroom (may share bathroom) share a common area such as a living room, dining room, kitchen and recreation area 24 hour attendant services housekeeping life skills Supportive Housing Projects which include attendant services: Independent Living Centres: Niagara Region Toronto Waterloo Region Ontario March of Dimes Hamilton AbleLiving Binbrook Stoney Creek Gwen Lee Supportive Housing Community Senior
22 Page - 16 Group Home Settings Congregate Living Carey House, Burlington Conway Opportunity House Helen Zurbrigg Non-Profit Homes Inc Home Care Services personal care and professional services My family wants to help me, but cannot provide all of my care. Who else can help us? The Community Care Access Centre, or CCAC has a contact person called a Case Manager in the hospital. This Case Manager will work with your rehabilitation team to decide how much care you will need when you leave the hospital. Your care needs will be reassessed by CCAC when you are discharged. Area CCAC s are connected through the local health Integration Network, or LHIN. Our local network services Haldimand, Norfolk, Niagara, Hamilton and Burlington. The LHIN sets policies for the whole region of South Central Ontario.
23 Page - 17 CCAC s surrounding Hamilton: Hamilton-Niagara-Halton-Brant CCAC: Hamilton Toll Free Burlington Toll Free Niagara Toll Free Haldimand-Norfolk Toll Free Brantford Toll Free Guelph CCAC Toll Free Waterloo CCAC (Kitchener/Cambridge) Toll Free Community Care Access Centre, CCAC To be eligible for CCAC home care services, you must: Have a valid Ontario Health Card; Have needs that cannot be met on an outpatient basis; Be treated in your own home. The home should be safe for both you and the home care worker. There should be family or friends willing and able to help, if needed, with the treatment program.
24 Page - 18 Need at least one of these services: nursing occupational therapy physiotherapy speech language pathology social work nutrition personal support such as help with bathing, dressing, feeding and oileting Reasonable expectation to progress toward identified goals; Have the support of a doctor as needed. In addition to CCAC: As well, you can apply for Outreach Attendant Care from other agencies. Outreach Attendant Care provides trained workers to come to your home to help with daily activities. In Hamilton, this service is supplied by the Ontario March of Dimes and AbleLiving (formerly Participation House) which helps pay for the costs. This used to be a service which could be added to CCAC services now CCAC will provide service until the other agency service is available. Outreach Attendant Services may include: attendant services 6:00 am to 12:00 midnight, 7 days a week maximum 3 hours a day self-directed support services
25 Page - 19 Long-term care and complex continuing care facilities If your needs cannot be met in an independent setting, long-term care facilities can provide the services needed. The Community Care Access Centre, CCAC, will assist you in applying for residence in a long-term care facility If you have very complex needs, care can be provided for you in Complex Continuing Care Programs. Contact your social worker for more information. Fee for service Nursing/Attendant Care Bayshore Comcare Care Plus Excel Care Paramed Home Health Care Saint Elizabeth Nursing Community Health Care Victorian Order of Nurses, VON We Care Home Health Services **Ontario March of Dimes **AbleLiving ** provides fee for service, plus subsidized service
26 Page - 20 Education and employment Where can I find out about going back to work or to school? Please discuss your needs with your social worker or occupational therapist. There are many resources to help you get back to work and school. Canada Pension Plan Vocational Rehabilitation Services For those receiving Canada Pension Disability Benefit. Provides assistance identifying skills, upgrading or taking courses with help from a private sector vocational rehabilitation specialist Canadian Paraplegic Association, CPA Provides information and counselling in all aspects of community re-integration, including education and vocation or Human Resources Development Canada Programs, HRDC Will help people with disabilities prepare for, obtain and maintain employment, a partnership between the federal and provincial governments. Opportunities Fund For Persons With Disabilities Ontario Disability Support Program, ODSP For those receiving Ontario Disability Support Payments. Employment Services, provides support to prepare, obtain and maintain employment. Includes planning, training, technical aids and other services
27 Page - 21 Ontario March of Dimes Diskovery Program Provides education to individuals to compete in a modern and technical business community through practical training in office and computer skills Special adaptive devices are provided for those requiring assistance accessing computers for employment Placing Assessed Trained Handicapped, PATH Provides assistance with job application, interviewing skills, resume development for job ready applicants (existing skill, education) Workers Safety and Insurance Board, WSIB assesses injured workers for return-to-work or assists with job readiness for alternative position WORKink Virtual Employment and Resource Centre sponsored by the Canadian Council on Rehabilitation and Work mission is to provide resources and information to enhance the employment of people with disabilities funded by HRDC and Province of Ontario Educational Institutions Secondary, College, University contact the specific institution for information.
28 Page - 22 Transportation When can I get back to driving my car? The Ministry of Transportation and Communications should always be notified of any change in your physical condition. Your doctor is legally obliged to inform the Ministry of changes in your health that may affect your driving. The Ministry may require you to undergo a driving assessment before renewing your licence. Special parking permits are available from the Ministry or application from your occupational therapist. Where can I go to get my driving assessed? DriveAble Driver Assessment Unit #1, 41 River Rd. East Kitchener, ON DriveAble Assessment Sanatorium Road, Suite 204 Hamilton, ON L9C 7N4 Advanced Driver Training William Street St. Catharines, ON Drive Again Dufferin Street, Unit 44 Toronto, ON M6B 4J3
29 Page - 23 What if I need different controls on my car? Talk with your occupational therapist about locations where your car or van can be adapted. There may be financial assistance for changes to your vehicle. Northend Mobility Aquedect Drive - Welland, Ontario Can Dan Rehatec Ltd Sandhill Drive - Ancaster, Ontario Bahnr Mobility Corporation Northland Road - Waterloo, Ontario Creative Carriage Sheldon Drive - Cambridge, Ontario Courtland Mobility Services Inc Artisans Court - Burlington, Ontario Kino Mobility Services Sheppard Ave. W. Unit #3 - Toronto Ontario Shoppers HHC SparrowHawk A Davenport Road - Waterloo, Ontario
30 Page - 24 Section 2 - Legal services Legal services and a personal injury lawyer You may feel overwhelmed by what has happened to you. You and your family may face financial challenges such as: loss of income and capacity to earn a living; covering the cost of doing things you did yourself before, like some maintenance or auto maintenance that can no longer be done by you; costs of things you will need like wheelchairs, modified vehicles and accessible homes; and costs of therapy, and any ongoing help you will need. A person with a serious injury, such as a traumatic spinal cord injury, cannot be expected to be able to protect their legal rights on their own. Your health care team is devoted to help you to heal and adapt to your new situation. But, when it comes to securing your rights and financial well-being, you will need to contact a personal injury lawyer. Personal injury law is very complicated. Your situation and the facts of how you were injured will affect your legal rights. If your injury is the fault of another, you may be able to obtain compensation for negligence. When dealing with legal matters you have your rights but you also have obligations. One of these obligations is that you must meet the important time limits that affect your rights or you could lose them. You are encouraged to speak with a personal injury lawyer as soon as possible after your injury. Your lawyer can advise you and your family about your legal rights and take steps to fully protect them.
31 Page - 25 Obtaining a personal injury lawyer To obtain a personal injury lawyer you can consult the yellow pages under Lawyers, look at websites such as on the computer, or contact the following organizations which can help you to find a lawyer who practices personal injury law in your area: Organization Website Phone Law Society of Upper Canada Lawyer Referral Service Hamilton Law Association Ontario Trial Lawyers Association Personal injury law is very complicated. A lawyer who deals just with personal injury law has a solid understanding of your rights and the law. When you are deciding which lawyer you would like to represent you, consider asking: Are you just a personal Injury lawyer? What is your background in personal injury law? What is your experience in working with clients with a medical injury?
32 Page - 26 Section 3: Assisted Devices Program, ADP authorized vendors The list of authorized vendors of assistive devices changes from time to time. For an updated list, please see your Occupational Therapist. Below are some additional sources for other specialty needs Chedoke Prosthetics and Orthotics Department Chedoke Hospital Bracing/Mobility/Seating Technology Access Clinic, TAC Chedoke Hospital Children s Development Rehabilitation Program, CDRP Writing aids systems, face to face communication systems C and DC Orthopedic Services 280 Barton Street East Seating/Bracing Ontario Disability Support Program, ODSP 119 King Street West, 2 nd floor Incontinence Supplies Medigas 510 Beach Road Oxygen Supplies Ext Ext
33 Page - 27 Section 4 Other resources Helpful websites (interactive message board which is updated by medical professionals with many years experience with persons with SCI) (a great resource for assistive technologies, developed by the Research Department at Lyndhurst) (CPA Nationals webpage) Community information services Canadian Paraplegic Association, CPA Disability Information Services Helpline, DISH Inform Hamilton Rehabilitation Resource Centre, Regional Rehabilitation Building at the Hamilton General Hospital , Ext Trauma Support Services
34 Page - 28 Counselling services Alcoholics Anonymous Alzheimer s Society Bereavement Network of Hamilton/Burlington Catholic Family Services (not restricted to Catholics) Interval House Jewish Social Services Seniors Club Ontario Family Guidance Agency Sexual Assault Centre (SACHA) Women s Centre Other services are available through the Canadian Paraplegic Society, your family doctor or check the telephone yellow pages. Help around the house Grocer Ease Helping Hands Meals on Wheels Other support services Rehabilitation Resource Centre located on the ground floor of the Regional Rehabilitation Centre at the Hamilton General Hospital , ext
35 Page - 29 Hospitals Hamilton Health Sciences Hamilton General Hospital Juravinski Hospital Joseph Brant Memorial Hospital St. Joseph s Healthcare St. Peter s Hospital West Lincoln Memorial Hospital Peer support Canadian Paraplegic Association Canadian Spinal Cord Research Trauma Support Services Public transportation The Hamilton Street Railway or HSR, provides bus services to Hamilton and area. Some of these buses are wheelchair accessible, called kneeling buses. Accessible transportation services Disabled and Aged Regional Transit System, DARTS available for pre-booked rides 365 days per year books of tickets can be bought from driver ask your social worker or therapeutic recreationist for application
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LIFE CARE PLANS 2014 Judicial Conference Panel Discussion November 17, 2014 LIFE CARE PLANNER At the beginning of the damages phase, the parties should discuss whether they can agree to use a single life
CURRICULUM VITAE JEAN TAYLOR, B.Sc.(Hons. Kin.) Registered Kinesiologist PROFESSIONAL EXPERIENCE ABI Clinical Consultant ABI Transitional Living Program August 2013 to Present Design, develop and implement
ALS Canada ALS Equipment Program Overview & Information ALS Canada is dedicated to assisting individuals diagnosed with ALS to cope with the daily challenges of decreasing mobility, communication ability
Spinal Cord Injury A GUIDE TO YOUR INJURY CLAIM CANTINI LAW GROUP ATLANTIC CANADA S INJURY LAWYERS Table of contents 3 About spinal cord injuries How the nervous system works Complete vs. Incomplete Traumatic
VICTORIAN TRANSPORT ACCIDENT CLAIMS - A GUIDE TO YOUR ENTITLEMENTS This guide includes the following: What is a transport accident? Who is the TAC? How do I make a claim? When will I know if my claim has
Guide to occupational therapy driver assessment MAY 2014 Occupational therapy driver assessment VicRoads is responsible for ensuring that all drivers and applicants for a licence have appropriate and safe
d i s a b i l i t y a l l i a n c e b c 3 h e l p s h e e t 2015 b c d i s a b i l i t y b e n e f i t s Checklist for the Persons with Disabilities (PWD) Benefit This Help Sheet is funded by the Health
CHAPTER 8 Paying the Bills In this chapter, you will: Discover who can help you pay bills and how to appeal for more resources. Find out about the different possibilities for managing the survivor s finances.
Spinal Cord Injury Information Series PATIENT & FAMILY GUIDE Spinal Cord Injury Program A Service of Santa Clara Valley Medical Center Rehabilitation and 1-Center What You Should Know What is 1-Center?
` Acquired Brain Injury Program Regional Rehabilitation Centre at the Hamilton General Hospital Table of Contents Page Introduction... 3-4 Acquired Brain Injury Program Philosophy... 3 Vision... 3 Service
Services available to people without a Family Physician or Nurse Practitioner Most people receive the majority of their primary health care through their family physician or nurse practitioner. There are
One step closer to home Post-hospital short-term rehabilitation and sub-acute care at The Valley View Center for Nursing Care and Rehabilitation Helping to ensure a smooth transition Prior to discharge,
Benefits Guide Information for the Injured Worker The purpose of this benefits guide is to help you learn what to expect if you ever need workers compensation benefits. Recovering from a work injury can
Facility and Community Options: Understanding Levels of Long-Term Care Part of an educational series about long-term care choices in Broome County. Information you can count on. Assistance you can trust.
MortgagePlan For the comfort of having a complete mortgage insurance plan for your loan and your home equity line of credit... 1 MortgagePlan Blue Cross is pleased to offer you a comforting mortgage insurance
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
SENIOR NETWORK SERVICES HOUSING PROGRAM 1777-A Capitola Road, Santa Cruz, CA (831) 462-6788 HOUSING OPTIONS FOR SENIORS IN SANTA CRUZ COUNTY Finding housing that is both adequate and affordable is a major
July 2009 OHA BACKGROUNDER Strengthening Home Care Services in Ontario Summary of Amendments On July 3, 2009, the Ontario government approved amendments a number of regulations as part of a broader mandate
RESOURCES for Victims of Substance Impaired Driving My life was changed forever when a drunk driver driving on the wrong side of the road crashed into me. After I was released from the hospital I learned
Financial Tips for Parents of Children with Special Needs Children and youth with special needs have medical, emotional, developmental, mental or behavioural problems that require ongoing help and support.
Should I register my residence? Assisted Living Registrar The purpose of this booklet is to help you assess whether you are operating or planning to operate an assisted living residence as defined in the
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