Understanding the LTD All Source Maximum Clause

LTD litigation can be confusing and overwhelming at the best of times. Especially when trying to navigate taxation issues, the application of offsets, who is first payee, etc.. One of the most misunderstood issues is the all source maximum clause. There is an “all source maximum” clause” in most LTD policies. LTD policies normally replace […]

Applying for Canada Pension Plan Disability Benefits

Can a LTD Insurer force a clamant to apply for CPP-D benefits? The answer to that question isn’t very straightforward. So today we are going to run through a few different scenarios to better illustrate the answer! Example A: My LTD Insurer has approved my application and I am receiving benefits Yes! Apply for CPP-D, […]

Understanding Offsets in Long-Term Disability Cases

Whether you are receiving monthly payments from your Long Term Disability (LTD) Insurer, or engaged in a lawsuit trying to obtain benefits, the issue of “offsets” will inevitably become an issue. The Most Common Offsets Almost all LTD policies allow the insurer to deduct (or offset) other benefits from their insurer payout amount. The most […]

What Are Canada Pension Plan Disability Benefits?

The Canada Pension Plan disability benefit is a monthly payment for Canadians who have contributed to the pension plan through payroll taxes and are unable to work due to a severe and prolonged disability. It is administered by the federal government to ensure disabled Canadians under 65 have a means of monthly financial support when […]

How Seat Belts Affect Personal Injury Claims

As the old saying goes – seat belts save lives. We know it is important to wear seatbelts for their safety benefits. However, wearing your seatbelt could make a significant difference in your ability to receive compensation should you have an accident. The law in Nova Scotia requires drivers and passengers in motor vehicles to […]

Can Prolonged Labour Cause Cerebral Palsy?

Cerebral palsy is the most common motor disability in children. It affects a child’s motor control, balance, and muscular condition. Lifetime prognosis varies and the initial diagnosis will usually come as a shock to new parents. Cerebral palsy is a result of damage to the baby’s brain. Determining the time of the damage is more […]

What Happens If You’re Injured on Public Transportation?

Many People in Nova Scotia Rely on Public Transportation Every Day. Statistically, public transit is considered a very safe way to travel. However, car accidents and other types of accidents still happen from time to time. A car accident involving public transportation can be just as scary and confusing as being in an accident in […]

Understanding Your Auto Insurance Policy: The ABCs

When injured in a car accident, you will rely on some – or all – of the different sections of your auto policy. Lawyers routinely refer to these as “Section A”, “Section B”, “Section C”, or “Section D.” Each section protects certain rights and responsibilities that you should be aware of. We have included some […]

What Are My Rights as an Injured Passenger?

If you’ve been injured as a passenger in a Nova Scotia car accident, you have clear rights to seek compensation under Canadian law, no matter who caused the crash. You may be able to recover compensation from the driver of your car, another vehicle, or through multiple insurance policies. Understanding where to start can feel […]