After an Ontario accident are caregiver benefits only available to catastrophic injuries ?

Caregiver benefits

If you or a loved one has been injured in an automobile accident in Ontario, you are most likely looking into what coverage you have through your insurance company.

In Ontario, accident benefits are available to Ontario drivers. Whether you are at fault or not in the accident, your Ontario insurance policy will provide you with certain accident benefits.  One accident benefit that you may need is Caregiver Benefits. If before your accident you were providing full-time care to dependants and you no longer can as the result of your automobile accident, you may be eligible for caregiver benefits in the instance that you need to hire someone to step in, take over and care for your dependants. The maximum amount for caregiver benefits is $250 each week for one dependant, and another $50 each week for each additional dependant.

Catastrophic injury and caregiver benefits

The caregiver benefits are available to  catastrophically injured accident victims.  In the event that you have suffered a serious injury but are not deemed to be catastrophically injured ,you may still access caregiver benefits if you have purchased the “top up”  and extended your accident benefits coverage.  These additional accident benefits are optional benefits and may not be for everyone.

As an Ottawa personal injury lawyer, I meet with people everyday who have purchased the additional accident benefits and have had to use them.  In a time of need, they can make all the difference. If you are wondering whether or not you can receive these accident benefits, give us a call and we can help you figure it out. After an accident, figuring out your best options in Ontario accident benefits is the last thing you need. It’s time to focus on yourself, your family and recovering. You owe it to yourself.

Ontario Accident Benefits Caregiver Benefits


Help and compensation for concussion injuries in Ontario accident benefits.

Concussions Injury Compensation Ontario.

I have had so many people come to me after a car accident in Ontario and they have no visible signs of an injury, yet they are suffering. After I hear about their day in and day out activities, it becomes quite apparent to me that they are suffering from a severe concussion. Concussions are a type of brain injury.  Although there is not always a blow to the head, a head injury can be equally or more painful.  In many cases, accident victims with severe concussions are not able to return to work or their everyday activities such as concentrating, remembering , or even simple tasks such as getting groceries or mowing the lawn. Suddenly noises, vibrations and lighting prevent them from any quality of life. No two concussions are alike and the effects suffered by brain injury victims will be different. The brain is one of the most complex organs in the body which controls all of the body’s functions. When these bodily functions are compromised, accident victims can suffer physically, mentally, and emotionally.

There has been a rise in public awareness when it comes to concussions.  It was previously believed that small blows to the head had little impact on one’s brain health.  Now, however through research, we know that these impacts can result in brain injury.

As an Ottawa personal injury lawyer I find this development in research to be amazing. With the new technology developed to test for concussions and brain injuries, I am able to help my clients get identified and get the medical help they need in a timely manner.  After that, I am able to help them get the maximum financial compensation for their concussion injury.

Concussion symptoms ….

  • Headaches
  • Trouble with memory
  • Temporary loss of consciousness
  • Slurred speech
  • Dizziness
  • Ears ringing
  • Nausea
  • Unusual fatigue

When someone suffers from a concussion, it is important that I work closely with their  family and  healthcare practitioners to ensure that we are keeping a close eye and making sure to note any changes or triggers with their concussion. Coping with the needs of a brain injury victim is extremely difficult for everyone involved.

Concussion injuries can be life changing

A severe concussion is life altering for everyone involved. I understand the pain and frustration involved when someone suffers a severe concussion. I have been able to put many things in place and help secure my clients financial futures as many have been unable to return to work.

In Ontario, people who have suffered a brain injury as a result of an Ontario car accident are entitled to compensation for their losses from their own insurance company. Insurance companies must pay for accident benefits for such things as lost income and  housekeeping, medical bills and rehabilitation. There are time limits in Ontario when it comes to applying for Ontario accident benefits. Some insurance companies will deny a claim, even if the insurance policy covers the entitled to Ontario accident benefits.  This is where personal injury lawyers can really make the difference.  An experienced Ontario personal injury lawyer will step in and represent you.  The best Ontario personal injury lawyers will ensure you are getting ALL of the accident benefits you are entitled to and make sure that you and your family are taken care of in the years to come. Insurers often deny accident benefits they are supposed to pay out on.  Every concussion and brain injury is different and therefore every Ontario accident claim is unique.

If you have suffered a concussion or if a friend or family member is suffering from a severe concussion, we understand and can help you. We can’t undo the damage that has been done, but we can help you get much needed resources that can help you regain control of your life. Your quality of life is extremely important; not only for you but for your family.  Your concussion may get worse, but hopefully it will get better. We can help you along the way. Hang in there and let us help !

 


Ottawa Personal Injury Lawyers who offer free consultations…

Ottawa lawyers free consultations

You may have a small case and are thinking of handling it on your own and just need some basic information on how to deal with an insurance company.  A free consultation from an experienced Ottawa personal injury lawyer may be all you need.  Most experienced Ottawa personal injury lawyers offer a free consultaitons are are glad to help. They may even have formsavailable that you need instead of you going out and searching for them. The top Ottawa personal injury lawyers can also let you know if you have a case and what you might expect as a settlement from your insurnace company, so that you have an idea of what to expect when dealing with them.

Personal Injury Lawyer Ottawa

If  you suffered a more serious personal injury, it is always best for you to meet with an experienced personal injury lawyer before you decide which Ottawa personal injury lawyer you want to work with. Keep in mind that the next several months or years may be very challenging and you need to know that you can relate, approach and work well with your Ottawa personal injury lawyer.  As an Ottawa personal injury lawyer, I usually like to meet with new clients at the location of their choice, so I know they are comfortable.  I usually listen and gather the facts and then let them know what Ican do for them.  I often suggest they take sometime to think about their decision and then contact me when they are ready. I truly feel that this is the best approach for everyone involved. Throughout the process, I often also meet with accident victims family members.  These meetings are so important and valuable for everyone.

No matter what the severity of your personal injury, it is always best to consult with an experienced Ottawa personal injury lawyer before negotiating with your insurance company.  After all, it’s free to ask questions ! As one of the best Ottawa personal injury lawyers, I am pleased to offer free consultations. I offer my services in English or French and am happy to travel to meet you throughout Ontario.

 


Ottawa accidents: Where to avoid. Ottawa’s busiest accident intersections.

Accidents in Ottawa

Personal Injury Lawyers in Ottawa Ontario….

Listen up Ottawa drivers ! Did you know that more than 15,000 auto accidents occurred  in Ottawa in 2011. This is more Ottawa accidents than last year; however,  fewer people died and  fewer people suffered personal injuries.

The most common intersection in Ottawa for accidents is Riverside Drive and Hunt Club Road. This busy Ottawa intersection had 53 crashes in 2011, compared to 2010,when it also ranked  first in accidents, 43 accidents reported.

The second most common Ottawa accident intersection was Belfast Road and St. Laurent Boulevard. There were  32 accidents in 2011.

The intersection of Baseline Road and Woodroffe was also a common accident location with 31 accidents reported.

Ottawa accidents in 2011

The following intersections also reported a high number of Ottawa accidents in 2011:

Catherine Street and Kent Street- 30 Ottawa accidents

Walkley Road and Hawthorne and Russell roads- 30 Ottawa accidents

Prince of Wales Drive and West Hunt Club Road -30 Ottawa accidents

Blair Road and Blair Road Ramp 36 -29 Ottawa accidents

Clyde Avenue and Merivale Road- 29 Ottawa accidents

Industrial Avenue and St. Laurent Boulevard -29 Ottawa accidents

Baseline Road and Greenbank Road -28 Ottawa accidents

Beechwood Avenue and Crichton Street – 28 Ottawa accidents

Thankfully, none of these Ottawa accidents resulted in death.

The city of Ottawa recorded 15,295 collisions in 2011, up from 14,953 in 2010,  The number of registered vehicles and licensed drivers on Ottawa’s roads also increased in 2011.

The city of Ottawa also reported that 25 people died in Ottawa accidents: 9 drivers, 7 passengers, 1  motorcyclist, 1 cyclist and 7 pedestrians.  The number of fatal accidents in Ottawa lowered  from 2010, when 38 deaths occurred in Ottawa accidents and is the lowest number of fatalities in 6 years.

The number of reported people suffering personal injuries in Ottawa accidents lowered from 3,822 in 2010 to 3,690 in 2011, including  2,152 drivers, 814 passengers, 339 pedestrians, 130 motorcycle drivers, 13 motorcycle passengers, and 242 cyclists .

The city of Ottawa is also looking at  road safety initiatives and assessing  different types of situations when Ottawa accidents happen and where personal injuries result,  to improve safety for everyone in Ottawa .

 


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 may be entitled to certain accident benefits from their own motor vehicle insurance company regardless if they have suffered a catastrophic injury or not?

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?

  • Income Replacement Benefit – 80% of net weekly income up to maximum of $400.00 per week to a maximum period of 104 weeks.
  • Non-Earner Benefit – $185.00 per week to a maximum period of 104 weeks.
  • Caregiver Benefit – $250.00 per week for 1st child and $50.00 per week for each subsequent child to a maximum period of 104 weeks. Only applies for children under the age of 16.
  • Attendant Care Benefits – $3,000.00 per month maximum to a maximum period of 2 years.
  • Medical and Rehabilitation Benefits – $50, 000.00 maximum. 10 year maximum period.

What are CATASTROPHIC INJURY benefits?

  • Medical and Rehabilitation Benefits – $1,000,000 to use over the course of the injured person’s life.
  • Attendant Care Benefits – $1,000,000 to use throughout life.  Monthly payment maximum is $6000.00

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.