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Month: June 2012

Long-Term Disability Insurance Appeal

If the insurance company has denied your long-term disability claim (or cut off your benefits) they will usually offer the possibility of an internal appeal. That basically means that they will look at your application again, run it through their

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Disability Insurance – Bad Faith

A Disability Insurance policy is a contractual relationship between you and your insurance company. Like all contracts, it is governed by certain laws and regulations. Bad Faith It’s probably safe to assume that your insurance company has a lot more

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Suing for Disability Benefits in a Union

Long-term disability insurance is optional coverage, and many people who have it receive it as part of employment benefits. While this is often a convenient and affordable way to get LTD insurance, it can limit your options if your claim

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Disability Benefits Denied or Terminated

Many people who have had their long-term disability benefits denied or terminated decide to seek advice from a disability lawyer. LTD cases can be particularly complex because their coverage varies from one policy to another and it isn’t always obvious

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Deduction of CPP from Disability Benefits

Long-term disability policies vary greatly from one to another and your policy may have certain benefit deductions, including the deduction of your Canada Pension Plan (CPP) benefits. LTD policies may allow the insurance company to deduct your CPP benefits in

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2012 Nova Scotia Insurance Benefits

On April 1st 2012 the Government of Nova Scotia launched updates to Section B insurance benefits. These increase the compensation available and bring the benefits roughly in line with those in New Brunswick. The changes were recommended by an independent

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Replacing a Written-Off Vehicle After an Accident

Following a car accident in which your vehicle is declared a total loss, your insurance company will indemnify your loss by giving you the current value of your vehicle, regardless of the outstanding debt balance on your vehicle. That means

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Remplacement d’une perte totale de véhicule

Suite à un accident où votre automobile fut déclarée une perte totale, votre compagnie d’assurance indemnifiera votre perte en vous remboursant la valeur marchande de votre véhicule, indépendamment du montant de votre prêt. Cela veut dire que si votre auto

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Herniated Disc in an Accident

If you have been in a car accident and are experiencing pain in your lower back, you might have a herniated disc, which could lead to months of debilitating pain. The pain might even radiate down your leg, making everyday

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Rotator Cuff Injury

If you have been involved in an accident and your shoulder and arm are now throbbing, you might have a rotator cuff injury. Any powerful, thrusting movement, such as falling forward onto your outstretched hand, could cause a rotator cuff

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Whiplash Injury Symptoms

A whiplash injury results when the soft tissues in your neck suffer an injury from a sudden trauma. Whiplash is a common injury in automobile accidents, especially rear-end collisions. A whiplash injury is sometimes described as neck pain or neck

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Effects of a Traumatic Brain Injury

If you have received severe head trauma in a serious car accident, you may be suffering from a traumatic brain injury (TBI). According to the Canadian Institute for Health Information, the two most common causes of brain injuries are falls

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Types of Spinal Cord Injury

Spinal cord injuries occur when there is trauma to the spinal cord. A severed spinal cord results in permanent paralysis; however, the spinal cord does not have to be severed for the injuries to result in a loss of movement

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The 3 Types of Nerve Damage

When you suffer a personal injury in an accident you may sustain nerve damage. Nerve damage can be as simple as mild compression or stretching of the nerve, or as serious as tearing or severance of the nerve. No matter

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Meniscus Tear Knee Injury

One of the most commonly injured body parts in a serious accident is the knee. Your knees support a majority of your body’s weight and contain many soft tissues around the joint that can be easily damaged. A meniscus tear

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