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The size of a disabled employee’s benefit payments gets determined by the monthly salary of that same employee. The amount paid to the disabled worker each month equals a given percent of that monthly salary.
If a self-employed resident of Ontario has been paying taxes to the government, then if the same resident becomes disabled, he or she may qualify for benefits from one or more programs.
Charges of negligence often arise in personal injury cases when the at-fault party (or defendant) caused the accident in which the injury victim (or plaintiff) suffered mental and/or physical harm. In cases such as these, the judgment or outcome typically hinges on the plaintiff’s and personal injury lawyer’s ability to prove that the defendant was negligent and caused the accident as well as the injuries that the plaintiff suffered.
Because there are different sorts of disabilities, not all long-term disability (LTD) contracts are the same. Still, insurers and employers usually put some of the same provisions into each LTD contract.
According to Investopedia, “Underinsured Motorist” or “UIM” is a provision in an auto insurance policy that extends coverage to include bodily and property damage that was caused by another motorist and who didn’t have sufficient insurance to cover damages. Insurance policies that contain UIM coverage will have significant differences from one state to the next.
Whenever someone files a personal injury claim, it’s a safe bet that insurance coverage will play a significant role in the outcome or settlement of the case. For instance, when two or more drivers are involved in a motor vehicle accident, they usually exchange their insurer’s names with one another at the scene. Indeed, the outcome of other types of personal injury claims and lawsuits typically depend on the absence or presence of insurance coverage as well.
When you’ve suffered injuries in an accident, you would normally get medical attention, have the doctor send your bill to your health insurance provider, and walk away feeling as though everything has been taken care of. However, your insurance company may still contact you to discuss the nature and extent of the accident and your injuries. They are merely complying with what is written in your policy in order to determine if someone other than you is completely or partially responsible for the accident and your injuries.
If you’ve filed a personal injury claim or lawsuit, the at-fault party’s or your insurer has the right to ask you to undergo what is referred to as an “independent medical exam”or IME by a doctor of their choice. This is often a requirement of the legal process. But the key words here are “of their choice”, not yours. What you may be unaware of is that the doctor they have chosen is not doing this for treatment purposes. They are doing it to gather information for the insurer regarding the nature and extent of your injuries.
If you’ve suffered injuries in an accident caused by another person’s carelessness or negligence, you’ll need to discuss your circumstances with a personal injury lawyer in order to determine if you have a valid claim or reason to file a lawsuit. The following 3 factors could help in the decision-making process when discussing your options.
In Ontario, negligence is apportioned by means of percentage of fault. So, say that you are injured in a motor vehicle accident but it comes to light that you weren’t wearing a seatbelt. In that case, you may be apportioned with a percentage of fault when it comes to your injuries. Although the seatbelt was not a cause in the accident, the lack of wearing one contributed to your injuries.
Over the years, we have helped thousands of clients obtain the compensation that they needed and deserved for their personal injury accidents all over Canada.
