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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 is denied or your benefits are terminated. People who are not part of a union…
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 why your benefits were denied or cut. With car accidents there are fairly clear-cut laws…
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 several different ways, including: Deducting a portion of CPP benefits or the entire amount Deducting…
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 review, and are included with every motor vehicle insurance policy in Nova Scotia. Benefit Current…
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 that if a car identical to yours has a resale value of $9 000, that’s…
Suite à un accident où votre automobile fut déclarée une perte totale, votre compagnie d’assurance indemnifiera votre perte en vous remboursant la valeur marchande de votre véhicule, indépendamment du montant de votre prêt. Cela veut dire que si votre auto a une valeur de revente de 9 000$, c’est ce montant que vous recevrez de…
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 activities such as driving difficult or impossible to perform. A herniated disc can be caused…
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 tear. The rotator cuff, which is a bundle of muscles and tendons, is responsible for…
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 strain. Additionally, your intervertebral joints, spinal discs, ligaments or cervical muscles may be affected if…
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 how the nerve damage is sustained, it should be treated immediately to avoid long-term complications…
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 is one of the common types of serious injuries you may suffer, and may result…
If you have lost a family member in a fatal car accident in Nova Scotia, you may be eligible to make two types of insurance claims: 1) accident benefits claim and 2)wrongful death lawsuit. Accident Benefits Claim All automoble insurance policies issued in Nova Scotia include no-fault accident benefits. These benefits are paid immediately following…
After you have been involved in a serious accident, you should always seek medical treatment because you may have suffered internal bleeding. You may not realize it because the symptoms of internal bleeding don’t always appear immediately. Just about any kind of trauma, such as the trauma that can result from a car accident, can…
Some car accident injury claims in Nova Scotia, New Brunswick and Prince Edward Island fall under a “minor injury cap“. This cap limits the maximum amount (“damages”) a person can receive for compensation for pain and suffering. Definition of “minor injuries” varies in Nova Scotia, New Brunswick and PEI Nova Scotia Nova Scotia has a…
A serious traumatic accident can lead to broken bones, which may require casting, surgery or physical therapy. If someone else’s negligence has caused an accident in which you have suffered broken bones, a personal injury lawyer can help you file a claim to seek compensation for your injuries. Medical treatment is required for broken bones,…
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