The terms “tort claim” and “benefit claim” may sound vaguely familiar to a resident of the United States, but the two terms hold more meaning for a resident of Canada. Both of them pertain to elements of Canadian law. According to Canadian law, each personal injury claim falls into one of two different categories. (more…)

Hiring a lawyer can be expensive. Most people are aware of that. They also know that in the average personal injury case, the clients pay for their own legal fees. Knowing that they have to put out a large amount of money for proper representation can be stressful for people who have recently been involved in an accident. This is why there are usually payment options when hiring a personal injury lawyer. There are not many people who can afford injury lawyer fees and rates up front. Especially since an unexpected accident leaves no time to save money to pay for a lawyer. The average client will take advantage of a percentage fee to pay for their legal services. This means that they pay a certain amount at the end of the case, and often the amount is a percentage of what has been awarded them. (more…)

The truth is that kids are significantly prone to injuries. This is mainly due to the fact that they are overly active, less attentive and when you combine those two you get a recipe for disaster. What if the injury happens at school, though? Should you consider legal action or should you let it slide? This is something that you would want to keep in mind. (more…)

When you go ahead and put your most tremendously valuable possessions – our health and bodies into the hands of specialized professionals with years of experience, we should have every single reason to expect that they will only conduct themselves in a manner which is careful and extremely delicate. The credo of this profession is and will always be “First, do no harm” and that’s why we have the confidence that we’d be treated properly. (more…)

Owning a business or being a salaried person without any benefits may help you qualify for certain liabilities that will help protect you should you need it. If you become disabled, you may be covered under these liabilities. No one plans on becoming sick and when it happens you may be out of work for a while, or maybe you don’t back to work at all. If you become disabled, a portion of your income can be lost but with disability insurance, you can get up to 60% of it back based on your previous year income. You will qualify for this amount until you reach retirement age. Before you purchase a disability insurance policy, there are a few things that you should consider.

Should you get an individual policy?

There are a lot of companies that will offer short term and long term disability insurance options. Start by determining if you need an individual plan. If you are self-employed, the answer to that question is yes. No one is going to cover you so you have to cover yourself. If you make over $200,000 per year, then you will want to consider an individual plan. If your employer is offering you disability insurance, you should be good with that policy.

Does it cover your current occupation?

There are a few factors that help to determine your eligibility for disability insurance. You will want to find a policy that is going to cover your occupation. Maybe your occupation is too risky for the insurance to cover you. There are certain occupations that will restrict or even get you turned down on a disability insurance policy.

What is your average income?

The amount you are given for disability insurance can vary, but your income is normally used as a way to calculate your coverage. If your income varies from month to month, the insurance company may ask for your last three years’ worth of tax returns. They will take the three years and total it up then divide it into three to get your estimated gross annual income.

What is your current age?

The age that you are now will also be a determining factor in if you qualify for disability insurance. Most disability insurance stops at 65 so once you reach this age, you will not receive any more benefits. Many people are working past the age of retirement and for those, there are certain disability insurance policies to better suit them.

A qualified disability lawyer who can fight for you

There is most likely a fine print to all disability policies, especially if you have to use it because of an injury. It is always helpful to receive advice from your personal injury lawyer in Collingwood, if you have been injured and may need to receive benefits from it because of the injury.