Posts Tagged ‘ontario accident benefits’
Ottawa Personal Injury Lawyer David Hollingsworth:What are income replacement benefits ( IRB ) ?
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Accident Benefits Insurance Claims, Ottawa Injury and Accidents, Personal Injury Claims on January 10th, 2012
Ottawa Personal Injury Lawyer David Hollingsworth, Ontario Injury Lawyers, Income Replacement Benefits..Often times after suffering a personal injury in a motor vehicle accident you may not be able to return to work right away. You also may not be able to provide for yourself and your family. Depending on the severity of your personal injuries, you may not be able to work for a few days, maybe a few months or perhaps even longer. This is very stressful and this is where income replacement benefits comes in.
What are Income Replacement Benefits?
Income Replacement benefits are available to Ontario personal injury victims who were employed or self employed at the time of the motor vehicle accident in Ontario and who, as a result of the personal injuries sustained in the Ontario accident, “suffer a substantial inability to perform the essential tasks of their employment”. This is the definition that applies for the first 2 years following a car accident in Ontario.
Following 2 years after an Ontario accident, it changes and becomes much more difficult to qualify for income replacement benefits. To continue to qualify for income replacement benefits, Ontario accident victims must have “a complete inability to engage in any employment or self-employment for which they are reasonably suited by education, training or experience.”
How much do Ontario accident victims get for Income Replacement Benefits?
The amount of income replacement benefits received depends on a number of different factors such as one’s income before the accident. As well as whether or not you opted to purchase additional accident benefits.
- For motor vehicle accidents occurring after September 1, 2010, the amount of the weekly income replacement benefits is based on 70% of your gross weekly income before the accident, subject to the maximum amounts.
- Under the standard accident benefits limits, the maximum weekly amount payable for the first 2 years following the accident in Ontario is $400 per week
- No income replacement benefits are payable in the first 7 days following an Ontario accident
- Optional accident benefits limits increase the maximum weekly amount to $600, $800 or $1,000 per week
How to apply for income replacement benefits…
In order to receive income replacement benefits, Ontario accident victims need to submit a completed
- OCF-10 Election of Income Replacement, Non-Earner or Caregiver Benefit
- OCF-3 Disability Certificate
- OCF-2 Employer’s Confirmation
If you have been involved in an Ontario car accident and are unable to work, you most likely qualify for income replacement benefits. It is important that before you fill out the associated accident benefits forms that you contact an experienced Ontario personal injury lawyer . The best Ontario personal injury lawyers not only will help you fill out these forms, they will ensure that it is done in a manner that gets you maximum benefits support.
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The Ottawa Injury Blog is written regularly by Ottawa Ontario injury lawyer David Hollingsworth. Since 1999, David has been an Ontario personal injury lawyer representing Ontario accident victims who have suffered a personal injury and the families of accident victims who have lost a loved one in an Ontario accident. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email david@ottawainjury.ca (613) 978-9549
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Ontario Personal Injury Lawyer David Hollingsworth, Income Replacement Benefits, Ontario Accident Benefits
Ontario Accident Benefits: Definition Minor Injury Guidelines, Ottawa lawyer David Hollingsworth
Ontario Minor Injury Guidelines. Insurance Claims. Ottawa Personal Injury Lawyer David Hollingsworth…Have you recently been involved in an Ontario car accident and your insurance company has told you that your injury is classified as a “minor injury”? Unfortunately that means you will only receive $3500 in medical rehabilitation benefits available, regardless of whether or not you opted to pay for enhanced Ontario accident benefits. Insurance companies have also determined that a minor injury does not qualify for housekeeping benefits or attendant care benefits. This causes a lot of problems for many Ontario accident victims, who require these benefits. Not everyone is seriously injured in an accident , so the minor injury guidelines are acceptable to them. What’s really becoming a crisis situation in the vast majority of people who suffer serious injury in an accident and accept what their insurance company gives them in limited accident benefits, leaving them without enough support and benefits , which generally results in them not recovering. The Minor Injury Guidelines typically includes the following personal injuries resulting from an Ontario motor vehicle accident:
- Sprains
- Tears/ partial tears
- Strains
- Whiplash (unless there are neurological symptoms)
- Cuts, contusions, and abrasions
- Subluxations (unless it is a complete dislocation of a joint)
———————- The Ottawa Injury Blog is written regularly by Ottawa personal injury lawyer David Hollingsworth. Since 1999, David has been an Ottawa personal injury lawyer representing Ontario accident victims and the families of accident victims who have lost a loved one in an Ontario accident. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email david@ottawainjury.ca (613) 978-9549
Ontario Accident Benefits, Definition Minor Injury Guidelines, Ontario Injury Lawyer David Hollingsworth
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Renfrew Accident: Car Hits Transport Truck Carrying House, Personal Injuries for 4 people
Ontario Injury Lawyer, Ontario Accident Lawyer David Hollingsworth, Paramedics had to airlift Carole Lemieux to an Ottawa hospital after a Renfrew accident yesterday Monday morning that left 4 people with serious personal injuries. Ontario Provincial Police reported that the Renfrew accident happened at the Phil Shrive Bridge, west of Highway 60 . A car slammed into a transport truck carrying a house. The vehicle struck the corner of the house, then was struck by a second car following it.The cause of the collision was under investigation. I hope to soon be able to report some better news about the 4 injured victims…
———————————————————————————————————————————————————————-The Ottawa Injury Blog is written regularly by Ontario injury lawyer David Hollingsworth. David has been an Ontario injury lawyer representing Ontario accident victims since 1999. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email david@ottawainjury.ca
mobile (613) 978-9549 (613) 237-4922 ext.203
Renfrew Car Accident Lawyer , Renfrew Ontario Injury Lawyers , Ottawa Injury Attorneys Ottawa , Ottawa Accident Lawyer David Hollingsworth
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Ottawa Accident Bank Street and Rideau Road results in wrondful death and serious personal injuries
Ottawa Accident Lawyers David Hollingsworth , Regrettably,one woman was killed and another suffered serious personal injuries when their car was hit by a dump truck in south Ottawa this morning at the intersection of Bank Street and Rideau Road.
Sadly, the 84-year-old passenger of the car was pronounced dead at the scene of the Ottawa accident. The female driver of the car was extricated from the vehicle and rushed to an Ottawa hospital in critical condition. Both women were trapped in the car and the jaws of life had to be used to get them out. It was reported that the dumptruck driver was in his lane and was driving the speed limit. Thankfully, he was uninjured. Anyone with information regarding this Ottawa accident is asked to contact Ottawa police at 613-236-1222, ext. 2475.
———————————————————————————————————————————————————————-The Ottawa Injury Blog is written regularly by Ontario injury lawyer David Hollingsworth. David has been an Ontario injury lawyer representing Ontario accident victims since 1999. This blog reports on accidents in eastern Ontario, personal injury issues, local Ottawa news and events and various news that relates to Ottawa, accidents and personal injury. Visit www.ottawainjury.ca for more information. If you have a question, feel free to call or email david@ottawainjury.ca
mobile (613) 978-9549 (613) 237-4922 ext.203
Ontario Accident Lawyer , Ontario Accident Lawyers , Ottawa Catastrophic Injury Lawyers Ottawa , Ontario Accident Lawyer David Hollingsworth
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Ottawa Accident Woodroffe Ave – Personal Injuries, Lawyer David Hollingsworth
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Ottawa Injury and Accidents on April 16th, 2011
Ottawa Car Accident Lawyer David Hollingsworth, Accident Benefits Compensation in Ontario …All lanes of Woodroffe Avenue were reopened just before noon yesterday near the Sportsplex, 3 hours after a 4 cars were involved in an Ottawa car accident . Two people were trapped in a car that rolled over, and Ottawa firefighters had to remove a door and cut them loose. The car had flipped over completely on to its roof. An OC Transpo bus and two SUVs were also involved in the Ottawa accident. The Ottawa police reported that the passengers of the vehicles suffered personal injuries. This looks like a very serious accident and I hope that everyone involved recovers fully from this accident.
Ottawa Car Accident Lawyer David Hollingsworth has been helping Ottawa and Ontario accident victims since 1999. With his extensive experience and knowledge of relevant accident and personal injury issues, he has recovered millions of dollars in settlements on behalf of his spinal cord injury clients. David has the experience and skill to help obtain maximum compensation. David offers free consultations and makes home visits or hospital visits. Visit www.ottawainjury.ca for more information. David understands, he cares and he is here to help.
mobile (613) 978-9549 (613) 237-4922 ext.203
Difference between catastrophic injury accident benefits and non-catastrophic injury accident benefits..
| Catastrophic Injury and non-catastrophic injury: STATUTORY ACCIDENT BENEFITS |
| Did you know that regardless of who is at fault, people injured in motor vehicle accidents in Ontario are entitled to certain accident benefits from their own motor vehicle insurance company. Even if you do not have car insurance, if you suffer personal injury in a car accident , you are entitled to receive compensation from the Ontario government. Effective September 1, 2010, the SABS or Statutory Accident Benefits Schedule states that among other Ontario accident benefits available, Ontario accident benefits include an Income Replacement Benefit of up to $400 per week, an Attendant Care Benefit of up to $3,000 per month with a maximum of $36,000, and Medical and Rehabilitation Benefits of up to $50,000 over a 10 year period following an Ontario accident.
If a person dies in an Ontario motor vehicle accident, Ontario accident benefits are available for Funeral Expenses as well as a Death Benefit. If the personal injury is more serious and is deemed within the definition of “catastrophic impairment injury”, there is an increase to $1,000,000.00 in Medical and Rehabilitation Benefits and $1,000,000.00 in Attendant Care Benefits which are payable over the course of an injured person’s life. People who have suffered catastrophic injury are also eligible for Case Management Services as well as other Ontario accident benefits such as Housekeeping and Home Maintenance Benefit of $100.00 per week payable for the duration of their lifetime. What is the difference between a catastrophic injury and a non-catastrophic injury? Let’s start by looking at the Ontario accident benefits… What are NON-CATASTROPHIC benefits?
What are CATASTROPHIC INJURY benefits?
What are these Ontario Accident Benefits? Income replacement benefits help replace lost income if an employed or self-employed claimant is disabled. Caregiver benefits pay certain childcare or other caregiver expenses if a stay-at-home parent or other caregiver is unable to care for a child or other person in need of care. Non-earner benefits are paid if a claimant who is not employed or self-employed is unable to carry on with normal life. Medical and rehabilitation benefits pay for treatment and rehabilitation assistance that is not covered by OHIP or another disability insurance plan. Attendant care benefits pay for someone to look after a seriously injured claimant. Funeral expenses and death benefits are paid if an insured person dies as a result of the accident. Depending on your circumstances, you may also be entitled to other benefits, such as payments for lost education expenses, housekeeping assistance, visitors’ expenses, repair or replacement of eyeglasses or clothing damaged in the accident, or case management services. Each and every case is different and to know exactly what you are entitled to, it is best to consult an Ontario personal injury lawyer specializing in Ontario car accidents. —————————————————————————————————————————————————-David Hollingsworth, Ottawa Ontario Personal Injury Lawyer is dedicated to helping Ottawa and Ontario car accident victims and has been since 1999. With his extensive experience and knowledge of Ontario accidents and Ontario personal injury issues, he has recovered millions of dollars in settlements on behalf of Ontario personal injury clients. David is dedicated to obtaining maximum compensation for Ontario personal injury clients by offering free consultations and making home visits or hospital visits. Visit www.ottawainjury.ca mobile (613) 978-9549 (613) 237-4922 ext.203
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What do after an Ontario Car Accident, Ottawa lawyer David Hollingsworth
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Ottawa Car Accidents, Ottawa Injury and Accidents on October 17th, 2010
Ottawa Car Accident Lawyers, Ontario Personal Injury Lawyer David Hollingsworth…
What to Do After A Car Accident in Ontario
Get medical care promptly. Don’t diagnose yourself, let trained medical professionals diagnose your injuries.
Inform the police of the accident and record the attending officer’s name and badge number and ask for a copy of the police report. Tell the police only what you know, do not speculate and stick to the facts.
Record the names of other drivers involved in the accident, any witnesses and all those directly or indirectly involved in the accident;
Write down as many notes as you can about the accident. Take pictures with your phone/camera if you can
Contact your family doctor;
Consider meeting with a personal injury lawyer before you give a statement to your insurance company
Contact your insurance company within 7 days and request accident benefit forms
File your completed accident benefits application within 30 days;
Report your personal injury to your employer or school;
Check for health and injury coverage provided through your employer, health and benefit carrier, credit card company or any other source;
Record the names of all attending healthcare professionals;
Keep all receipts for related expenses, items lost or broken in the accident- including those incurred by family members helping the accident victim;
Keep a detailed record of all your health problems and do not minimize your ailments or pain; and
Keep family close by and meet with your trusted team of healthcare providers.
Don’t be afraid to ask questions
Do not sign anything related to your accident until you have discussed it with an experienced personal injury lawyer
———————————————————————————————————————————————————————-David Hollingsworth, Ottawa Ontario Personal Injury Lawyer is dedicated to helping Ottawa and Ontario accident victims and has been since 1999. Due to his extensive experience and knowledge of relevant accident and personal injury issues, he has recovered millions of dollars in settlements on behalf of his personal injury clients. David is dedicated to obtaining maximum compensation for his personal injury clients. David offers free consultations and makes home visits or hospital visits. Visit www.ottawainjury.ca for more information.
mobile (613) 978-9549 (613) 237-4922 ext.203
Ottawa Car Accident- Ontario personal injury lawyer-David Hollingsworth
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Ottawa Injury and Accidents on August 28th, 2010
Ottawa Accident Lawyers, Ontario Personal Injury Lawyers…..Ontario Insurance Claims Lawyer, Ottawa Personal Injury Lawyer David Hollingsworth…Luckily for one Ottawa man, his instincts kicked in and he escaped what could have any even more serious situation…I hope everyone involved a full and healthy recovery…Ottawa Paramedics said the driver of a car involved in a bizarre collision on Highway 417 southeast of Ottawa is lucky to be alive after he exited his car immediately following a 2-car accident and just before a third vehicle rammed into his driver-side seat. The incident began when a Ford Focus travelling eastbound on the 417 near Boundary Road veered onto the median and rolled several times before ending up in the westbound lane of the highway, colliding with a Chevy Aveo.
“The distance between the eastbound and westbound lanes is probably a good hundred metres and there’s a fairly big ditch for a vehicle to veer off and go into oncoming traffic, so it’s pretty rare in that area,” said Ottawa paramedic Francois Coté, who was part of the team that responded to the scene just after 9 p.m.
Paramedics said the driver of the Aveo, a 45-year-old man got out of his car, just before a 4-door Honda rammed the driver-side door. Paramedics from Ottawa and Prescott Russell arrived at the scene and said they couldn’t believe the driver of the Aveo was only complaining of shoulder pain after they saw the state of his car.
“This gentleman here was very lucky,” said Coté. “He came in contact with the Ford Focus which from what we were told by bystanders was a moderate collision. But he got out of his vehicle but then another Honda rammed into his vehicle right typically where he would be seated…[and] the seating compartment where the driver would be in was pushed in. He’s lucky to still be alive today.”
The driver and passenger of the Focus, both 18-year-old women, were both treated and taken to hospital as a precaution. The driver appeared uninjured and the passenger had cuts on both arms and pain in her hip and left leg.
The driver of the Aveo was also taken to hospital. The 46-year-old male driver of the Honda complained of chest discomfort from the deployment of an airbag but refused treatment. His 14-year-old daughter was also taken to hospital with injuries caused by the deployment of the airbag. The highway’s westbound lanes were temporary closed for the cleanup. Ontario Provincial Police are investigating.
Ottawa personal injury lawyer David Hollingsworth has been dedicated to helping Ontario accident victims and their families get the support and help needed for their personal injuries. With over a decade of experience, David has forged strong relationships with medical doctors, social workers, psychologists, occupational therapists, physiotherapists, other treating health practitioners and the support network involved with his clients. David is happy to discuss all Ontario accidents and can help determine what one needs and is entitled to when rebuilding a life after an accident, free of charge 613 978-9549 or 613 237-4922 ext 203 or visit www.ottawainjury.ca for more information.
Ontario Auto and Car Insurance Changes : Be prepared -Ontario Personal Lawyer David Hollingsworth, in Ottawa
Posted by Ottawa Personal Injury Lawyer, Ottawa Accident Lawyer, David Hollingsworth in Accident Benefits Insurance Claims, Ottawa Injury and Accidents on June 14th, 2010
Ottawa Accident Lawyer- Ontario Personal Injury Lawyer David Hollingsworth- The Ontario government has made changes to your auto insurance policy that have a direct impact on each and every one of us and come in effect September 2010.
Ontario Auto Insurance Changes: This summer, all Ontario drivers will be faced with the important decision of whether or not to purchase optional insurance -a basic automobile insurance package with reduced statutory accident benefits. My fear is that unfortunately, times are tough and most drivers will most likely opt for basic coverage.
Will you be affected? If you are in an accident and suffer a non-catastrophic personal injury, the answer is YES, you will.
Drivers with insurance who are in an accident and are deemed to have a non- catastrophic injury are the ones most negatively impacted by the Ontario government’s changes. The Ontario asterngovernment is in the process of creating a basic insurance package of statutory accident benefits that lowers compulsory Medical and Rehabilitation benefits coverage to $50,000 from the previous $100,000. Attendant Care benefit insurance coverage will be reduced in 1/2 to $36,000 with other important restrictions.
As an Ontario personal injury lawyer, I highly recommend drivers to purchase the optional increase in Medical and Rehabilitation benefits for up to $1 million (which would include $72,000 for Attendant Care). Unfortunately the reality is most drivers will probably purchase the basic coverage. This, is in my opinion dangerous.
There are also major reductions in accident benefits for accident victims with a non-catastrophic injury claim. The Medical and Rehabilitation and Attendant Care benefits have been drastically reduced and Housekeeping and Caregiver benefits (unless you are catastrophically injured) have been completely eliminated. In most cases the at-fault insured driver will bear the costs of the reduction in the accident benefit insurance claim.
The definition(s) of catastrophic impairment has also changed, making it more difficult for accident victims to access their benefits. Assessment costs will now be deducted from the medical and rehabilitation benefits and that change will reduce the benefits available considerably. This means the costs to assess your needs will now come out of your benefits, which is now reduced and capped. Meaning again, less compensation for Ontario accident victims.
Also of note, the definition of a catastrophic impairment changed and now will include single limb amputees and the evaluation of catastrophic impairment will be restricted to those practitioners who have both training and experience with catastrophic injury cases.
Unfortunately, basic auto insurance coverage does not adequately compensate Ontario accident victims and their families with the costs that are necessary in most accidents. I sincerely hope and recommend to everyone to purchase the extended coverage; knowing that will be difficult for a lot of people to come up with the extra funds each year; but in my opinion, this is an expense you don’t mess around with. I urge you to do what you can do to purchase the extended coverage.
At the best of times, Ontario’s car insurance regime is complicated and difficult to understand. If you are injured in a car accident in Ontario, you are probably entitled to certain “no-fault benefits”, but you may also have the right to sue at-fault parties for your personal injury. The right to sue is not unlimited in Ontario. There are many more proposed changes that will have a direct impact on you. For a detailed list and more information; feel free to email me at info@ottawainjury.ca for your FREE guide to Ontario’s auto insurance changes.
David Hollingsworth been an Ontario personal injury lawyer in Ottawa since 1999. He focuses his energy on helping eastern Ontario accident victims get maximum compensation for their personal injury. David offers free consultation, contingency arrangements and will come to your home or hospital to chat about your accident and your personal injury case. Visit www.ottawainjury.ca for more information or call 613-978-9549.
David Hollingsworth, Ottawa Personal Injury Lawyer
mobile (613) 978-9549
(613) 237-4922 ext.203
New Ontario Auto Insurance : Changes Accident Benefits : SABS
Ontario Insurance Claims Lawyer : Ontario Accident Benefits Lawyer shares of Ontario’s auto insurance regulations changes to SABS . Ottawa Personal Injury Lawyer David Hollingsworth.
Ontario drivers take note: The new Ontario auto insurance regulations will take effect Sept. 1, 2010. The changes include major reductions to accident benefits available in non-catastrophic injury cases along with other significant changes.
The Ontario Minister of Finance has announced changes to Ontario automobile insurance designed to avoid premium increases by stripping down the basic auto insurance coverage.
The changes provide consumers with options to buy additional accident benefit packages at additional cost. The question is how many will? Most likely most car owners will opt for reduced basic auto insurance coverage which means many seriously injured accident victims end up with access to less insurance protection. Equally as disturbing, are those without access to their own automobile insurance policy will only be eligible for a very reduced basic auto insurance coverage.
Some insurers will experience a drop in insurance rates but it will be infortunately at the expense of the seriously (but not catastrophically) injured Ontario accident victims and those looking to fully protect themselves in an accident and are willing to pay a higher insurance premium.
What these changes mean for the people of Ontario…
The changes include a new Statutory Accident Benefits Schedule (SABS) that now has a cap on medical/rehabilitation and assessment/examination expenses for minor injury at $3500.
New Minor Injury ( a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae) Guideline for Ontario accidents.
Standard medical and rehabilitation coverage for non-catastrophic claims of $50,000, with optional coverage of $100,000 or $1.1 million.
Standard attendant care coverage for non-catastrophic claims of $36,000, with optional coverage of either $72,000 or $1.072 million. For non-catastrophic claimants, insurers will supply optional caregiver, housekeeping and home maintenance benefits.
Payment for all in-home assessments are capped at $2000 and will be available only to those claimants who have sustained more than a minor injury.
Rebuttal examinations and approval forms will be eliminated.
Several procedures will be simplified and merged (ex: treatment plans and applications for approval of assessments or examinations will now be merged into one process).
Adjusters will have discretion in the use of insurer examinations.
The new SABS also contains a definition for “incurred expense”.
David Hollingsworth has been an Ottawa Personal Injury Lawyer since 1999 dedicated to helping Ontario accident victims. For more information on how these changes affect you, visit www.ottawainjury.ca or call for free consultation 613 978-9549.
