Category: Insurance Disputes
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 ...
Common Surveillance Tactics Used By Insurance Companies
Usually, when surveillance is conducted by an insurance company, it’s done on an injured person and is set up by the insurance company that’s defending the case. There are various types of surveillance tactics used. They Follow You Around The first kind is what people probably think of when they hear surveillance. It’s hiring a ...
Everything You’ve Wanted to Know About Surveillance
This blog post was written by our placement student Rob Stefanelli (with some edits by Duncan Macgillivray). CAN AN INSURANCE COMPANY CONDUCT SURVEILLANCE OF ME AND MY FAMILY? Yes (… unfortunately). When you are injured and make a representation to your insurer or the at-fault driver’s insurer about the extent of your injuries, the insurance company ...
Total Disability: Not So Total After All!
A version of this article by Duncan Macgillivray and Jeff Moorley originally appeared on the OTLA Blog. Many Long-Term Disability (LTD) insurance policies state that the insured person will only qualify for benefits if they become “Totally Disabled” or suffer a “Complete Inability” to work. To avoid confusion, we will use these phrases interchangeably. It ...
Lester Wins Insurance Coverage for School Board
White Macgillivray Lester founding partner Dan Lester was recently successful for a local Northwestern Ontario school board in a case where insurance law and commercial leases intersect. Facts In Paulin v. Keewatin Patricia District School Board, the Defendants, the Keewatin Patricia School Board and the Municipality of Red Lake, each sought the court’s ruling on ...