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Most Long-Term Disability policies cover you no matter what injury or disability prevents you from working. Some policies, however, exclude certain specific illnesses; others may exclude illnesses that are compensable under a workplace compensation claim. Note that the disability must have happened since the time your LTD insurance was active, so any disability you had…
If you have been injured because of someone else’s carelessness or recklessness, you may have the right to make a personal injury claim. The goal of compensation is that you are supposed to be no worse off than if the injury or accident never happened. It should restore what you have lost, or offset…
If you have been injured because of someone else’s negligence or recklessness, you may have the right to make a personal injury claim. A claim against the at-fault driver is usually paid by his or her insurance company. More than 95% of these claims are settled without going to court. How do I proceed with…
The New Brunswick Disability Support Program was created to provide disability support for persons with disabilities. The following are required for eligibility in the program: Resident of New Brunswick Between the age of 19 and 64. Suffering from a long-term disability. Require disability support to address an unmet need. No two people are the same,…
If you have contributed to the Canada Pension Plan (CPP) and are unable to work as the result of a disability, you may be able to receive benefits in the form of a taxable monthly payment. You should not wait to submit your disability application. It takes approximately four months to receive a decision, so…
As a group, motorcyclists are considered vulnerable road users. Every year for the past five years there have been at least 175 motorcyclist fatalities in Canada, according to the latest Canadian Motor Vehicle Traffic Collision Statistics. Motorcyclists make up at least 8.4 percent of annual motor vehicle fatalities. More than 647,000 registered motorcycles registered in…
When a family member accidentally becomes disabled, you will want to help but may be unsure how. You may be uncertain about your loved one’s needs and limitations, if and what treatment is possible, and what can be expected in the future. The following tips are recommended to help a family member who becomes disabled:…
If you are involved in a personal injury case, you may be scheduled for an examination for discovery. A brief overview is provided here, though your Halifax lawyer will review with you in advance the purpose and importance of this procedure for your case. What is an Examination for Discovery? An examination for discovery (also…
Social media is increasingly being used in litigation. Facebook, Twitter, Instagram and other social media can be used against you in your personal injury legal case in Nova Scotia. Can Social Media Be Used as Evidence? With increasing frequency, Facebook evidence is being admitted to court. The information is easily accessible and often public, making…
If your car accident was caused by another person you may receive a call from their insurance company soon after the accident, offering you money as a settlement. A settlement offer can seem generous at first, because the future costs of an injury are not always obvious. Loss of Income For example, if you can’t…
Snowmobiles and ATVs in NB, NS and PEI are considered motor vehicles and must be insured, which means you have access to the same benefits that you have with a car or motorcycle. Among other things, you are guaranteed protection against a claim from another person, as well as access to medical benefits if you…
Every car insurance policy in Nova Scotia, New Brunswick and PEI provides a minimum amount of coverage and benefits that are defined by law. If you have motor vehicle insurance, you are guaranteed to have at least that minimum amount of coverage. These benefits apply to all motor vehicles, including cars, trucks and motorcycles as…
Following a motor vehicle accident, you will be contacted by your insurance company. They will ask questions about the accident and your injuries. It is usually OK to provide them with the information they need. However, beware of a call from an insurance agent representing the at-fault party. This agent, also known as an insurance…
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…
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…
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