Author Archives: Admin4

Doctor discipline records in one province may not show up in another

When a doctor is caught breaking the rules in one province but then decides to practise in another, patients don’t always get to see the physician’s full disciplinary history, CBC News has found.

http://www.cbc.ca/news/canada/manitoba/doctor-records-provinces-discipline-history-1.3414258

Ontario Auto Evolution

In the 2015 Ontario Budget, the government advised that it was introducing measures to “ensure affordable auto insurance rates.” The Liberals noted that “Ontario’s auto insurance system remains the most generous among Canadian jurisdictions with private marketplace systems” and that the “government’s reforms will continue to ensure the generosity of Ontario’s auto insurance accident benefits.”

On August 26, 2015, the Ontario Legislature filed Bill 251/15, which apparently seeks to achieve the goals set out in the 2015 Budget. For the most part, the amendments apply only to policies issued or renewed on or after June 1, 2016. Existing contracts will remain subject to the current limits until the contract is terminated or renewed.

http://www.claimscanada.ca/issues/article.aspx?aid=1003990290

Proposed amendments to Insurance Act regulations regarding the Ontario Automobile Insurance Dispute Resolution System (AIDRS)

Proposal Number:
15-MOF031
Posting Date:
December 9, 2015
Comments Due Date:
February 12, 2016

Matt Gurney: Ontario’s government, always finding innovative new ways to excuse failure

Ontario’s Liberals have long excelled at offering up creative excuses for major policy failures. My favourite, up until now, has always been Dalton McGuinty’s, “It’s never too late to do the right thing.” The former premier deployed that one repeatedly over the years in the face of mounting criticism, and ever growing evidence, of the complete hash his government had made of the province’s electricity sector.

http://news.nationalpost.com/full-comment/matt-gurney-ontarios-government-always-finding-innovative-new-ways-to-excuse-failure

Brokers must advise clients on changes to auto insurance

The Insurance Brokers Association of Ontario (IBAO) said it is preparing to launch a multi-faceted awareness campaign on Ontario Auto Reform, ahead of new changes coming into play June 1, with the aim of combatting widespread fraud and abuse of the system.

http://www.insurancebusiness.ca/news/brokers-must-advise-clients-on-changes-to-auto-insurance-202159.aspx

ONSC: Loss Transfer Deductible Applied Per Claimant

Ontario’s loss transfer scheme is found in section 275 of the Insurance Act. Section 275 (1) allows the insurer paying accident benefits to an insured, in certain situations, to claim “loss transfer” indemnification from the insurer of the other driver involved in the accident. At the risk of oversimplification, the insurer paying accident benefits to an occupant of a motorcycle would be able to claim loss transfer indemnification from the insurer of the car that collided with the motorcycle.

http://www.insblogs.com/auto/onsc-loss-transfer-deductible-applied-per-claimant/6314

Psychological Injuries

It can be challenging to examine a claim if it involves a psychiatric or psychological issue. An adjuster may need guidance from professionals with expertise in mental disorders and from court decisions on causation and foreseeability.

http://www.canadianunderwriter.ca/news/psychological-injuries/1003988608/?type=Print%20Archives

Current Issues In Calculating Income Replacement Benefit Entitlements – You Decide!

In calculating Income Replacement Benefit entitlements (IRBs), we routinely encounter certain issues where there are unresolved disagreements between insureds, insurers and their respective accounting experts over the interpretation of Ontario Regulation 34/10, the Statutory Accident Benefits Schedule (SABS), which became effective for all  motor vehicle accidents occurring on or after September 1, 2010 (the new SABS). Of course, resolution of these issues is a matter of law beyond the expertise of accountants. As such, we have selected three of these issues for your consideration.

http://www.collinsbarrow.com/en/cbn/publications/article-issues-calculating-income-replacement-benefit-entitlements-01?utm_source=Mondaq&utm_medium=syndication&utm_campaign=View-Original

Ontario’s worker safety board on path to sustainability

For years, Ontario’s Workplace Safety and Insurance Board was a concern for employers, workers and policymakers. And justly so: Nowhere were the WSIB’s problems more evident than in the ballooning size of its unfunded liability, or “UFL,” which is the gap between future obligations to injured workers and the money on hand to pay for them. In 2009, for example, the Auditor General warned the WSIB’s costs had begun to so badly outstrip its revenues that the system faced collapse. Subsequently, the province legislated a strict timetable for eliminating the UFL by the end of 2027.

http://business.financialpost.com/fp-comment/ontarios-worker-safety-board-on-path-to-sustainability

Why tie snow tires to insurance cut?

The NDP has traditionally taken a populist approach to automobile insurance. And Leader Andrea Horwath articulated that position in 2013 when she said she wanted Ontario’s Financial Services Commission to mandate a 15  per cent drop in auto insurance.

http://www.theobserver.ca/2016/01/20/why-tie-snow-tires-to-insurance-cut