Long and Short Term Disability Lawyer in Toronto

Every individual in the Province of Ontario that is involved in a motor vehicle accident is entitled to accident benefits which could include weekly lost income benefits (IRBs), medical and rehabilitation benefits, personal care benefits (Attendant Care), non-earner benefits, lost tuition, and other various benefits. These benefits are available even if you are at fault for the accident. It is your right to speak to a lawyer and ensure you are receiving all the benefits you are entitled to and that you paid for prior to the accident. No-fault benefits are governed by statute, which means that you may be entitled to benefits by law. It is important to know what benefits you are entitled to and how to access your benefits if your insurance company denies you.

ACCIDENT BENEFITS: CRITICAL TIMELINES
In general, you have:

7 days to notify your insurer of your intention to apply for accident benefits
30 days to submit your Accident Benefits Application Package
2 years from a denial or reduction of a benefit to challenge an insurer’s decision

MINOR INJURY GUIDELINES (MIG)

Your insurance company may notify you that you only have access to $3,500.00 for all of your medical and rehabilitation treatment needs. Determining the funding available for medical treatment is not ultimately left to your insurance company and is a question of law. Despite the opinion of an insurance company, you may be entitled to rehabilitation benefits of $65,000.00 or up to $2,000,000.00 if you meet the legal test of catastrophic impairment. If you are seriously injured and your injuries prevent you from returning to work and your insurance company has informed you that your injuries fall with the Minor Injury Guideline (MIG), contact the lawyers at Longo Lawyers, for a free consultation.

CATASTROPHIC IMPAIRMENT (CAT)

In some cases, a person’s physical and/or psychological injuries from an accident are classified as catastrophic. If your injury is classified as a catastrophic impairment, you will have access to significantly greater funding for your medical, rehabilitation and attendant care needs. Depending upon the date of your accident, you may be entitled to $1,000,000.00 or $2,000,000.00 in funding instead of $65,000. If you have been seriously injured and have not returned to work, let us meet with you and provide an opinion as whether you catastrophically injured. “Catastrophic impairment” is nothing more than a legal test and definition. Many individuals mistakenly believe they would have to have suffered amputations, serious brain injuries or serious spinal cord injuries to meet the definition of “catastrophic impairment”. at is simply untrue. Don’t let the word “catastrophic” lead you to the conclusion that you are not entitled to enhanced benefits when you may be entitled to those benefits. Fabio Longo and his team of accident benefits lawyers are recognized within the legal and medical professions for their work in the area of catastrophic impairment. For the last several years, Fabio has been a member of the teaching faculty of Canadian Society of Medical Evaluators, which provides the industry leading certification programming for medical assessors hired to determine if an individual has suffered catastrophic impairment. Fabio lectures medical assessors who are routinely hired by both lawyers and insurance companies to determine if an individual meets the legal test of catastrophic impairment. In addition to teaching the subject, Fabio has earned a great deal of experience trying these very cases. rough the course of different arbitrations involving catastrophic impairment and the AMA Guides, Fabio and his accident benefits legal team have established a strong litigation track record and very specialized knowledge in the area of catastrophic impairment. One of the leading cases defining catastrophic impairment for individuals that suer psychological and chronic pain injuries was successfully argued by Fabio Longo, making catastrophic benefits more accessible to claimants. If you remain o work and you suer from physical and psychological injuries, contact Longo Lawyers, for more information.

Individuals purchase insurance with the best of intentions to protect ourselves and our loved ones in case of an unexpected loss. After suffering a critical illness or a sudden loss of a loved one, insurers may deny your insurance claim. If you have been denied a critical illness or life insurance claim, contact the lawyers of Longo Lawyers for a free initial consultation.

A strong advocate understands and has experience arguing both sides of a case. e lawyers at Longo Lawyers have a history of working for and against insurance companies and on behalf of different clients. As advocates, our strengths are in both the advancement of litigation and also the defence of claims in litigation. Some of the lawyers at Longo Lawyers maintain a strong and successful practice defending claims. When our lawyers are hired to defend a claim of negligence or on behalf of an insurer in a first party claim, we do so in a proactive and strategic manner. We think outside the box and engage plaintiff counsel towards the most expeditious, fair and practical solutions. If you have been sued as a result of alleged negligence, contact Longo Lawyers.

Many employees have access to short or long term disability benefits, through their employer’s group benefits plan. While employees are healthy, they will pay into the disability plan in the event they become disabled from working. For some, as a result of injury or illness, they become disabled and are forced to make a claim for short term and long term disability benefits. Notwithstanding their disability, insurers may deny benefits or demand exhaustive medical notes and suspend payments. If your disability insurer has denied the benefits you have paid for while working, contact the lawyers at Longo Lawyers for a free consultation.

Occupiers’ liability cases are a direct result of a physical or psychological injury suffered from unsafe property conditions or activities.  This form of personal injury may occur due to lack of signage or supervision, dangerous premises, hazardous ice, broken concrete, or various other circumstances.  Damages resulting from a number of circumstances include retail shelving and signage collapses, elevator accidents, property fires, defective staircase design, entry/exit door malfunctions, door malfunctions, deck collapses, violation of building codes and swimming pool accidents.

According to the  Occupiers’ Liability Act, the occupiers’ duty with respect to the premises includes:
An occupier of premises owes a duty to take such care as in all the circumstances of the case is reasonable to see that persons entering on the premises, and the property brought on the premises by those persons are reasonably safe while on the premises.
The duty of care applies whether the danger is caused by the condition of the premises or by an activity carried out on the premises.

PLEASE NOTE: If you are a victim of an injury on city or government of Ontario property, is it important that you provide written notice of your injury within 10 days of the incident. Adhering to the 10 day notice period requirement is vital to moving forward with your legal claim. When sustained on municipal property (ex: city sidewalks, city streets, curbs, pot holes, pools, etc.), written notice should be provided within the 10 day window to the city clerk’s office with sufficient particulars. If the injury occurs on provincial property (ex: provincial parks, highways, government buildings), the written notification should be sent directly to the office of the Ontario Attorney General.

If you or someone you know has suffered an injury as a result of an occupier’s negligence, contact the lawyers at Longo Lawyers for a free initial consultation.

Your home is one of your most treasured assets. This is why you purchase home insurance to protect you and your family from the impacts of an unforeseen event such as flooding, sewer backup, extreme weather conditions and any other unexpected damage. Once a claim is submitted to your insurance company, you may be denied coverage. If an accident or incident occurs which damages your home and your insurance company denies your property damage claim, contact Longo Lawyers for an initial free consultation.