Cut Off Long-Term Disability After 2 Years? Understanding Ontario’s 24-Month “Change of Definition”
If you have been receiving Long-Term Disability (LTD) benefits for nearly two years, you may receive a letter from your insurance adjuster warning that your benefits are under review—or that they will be terminated on your 24-month anniversary. For many injured or ill workers across Thunder Bay and Northwestern Ontario, this letter comes as a ...
Transport Truck Collisions in Northwestern Ontario: Why the Investigation Is Different
After a serious collision with a transport truck, you may be waiting for the police to explain what happened. The police report is important, but it may not answer every question relevant to an injury claim. When were the truck’s brakes last repaired? What did the driver’s working day involve? Did a camera record the ...
Hurt in an ATV or Side-by-Side Crash? Where You Were Riding Changes Everything
By Jeffrey J. Moorley, Partner, White Macgillivray Lester LLP “Use at own risk.” Around Northwestern Ontario, you see those words at the start of plenty of bush roads and road allowances. Take the warning seriously. But the sign alone does not tell you whether insurance can help after an ATV or side-by-side crash. A rollover ...
Those tiny electric cars around Thunder Bay? They’re not road legal. Here’s what that means if you’re in a collision with one.
By Jeffrey J. Moorley | July 2026 | White Macgillivray Lester LLP If you’ve driven around Thunder Bay this summer, you’ve probably seen one: a small, brightly coloured, enclosed electric vehicle puttering along a city street, looking like something between a golf cart and a very small car. Photos of them make the rounds on ...
Most of Ontario’s accident benefits are now optional. Here’s what that means if you’re injured.
By Jeffrey J. Moorley | June 2026 | White Macgillivray Lester LLP For decades, every auto insurance policy in Ontario came with the same safety net. If you were hurt in a collision, a standard package of accident benefits was there to help — with treatment, lost income, care for your family, and more — ...