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May 27, 2019

LSO balks at federation’s standards on disciplinary investigations

The Law Society of Ontario has decided it cannot comply with a national standard to contact lawyers and paralegals every three months if they are the subject of a disciplinary complaint investigation, according to a new report
 
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The judicial system can’t withstand political interference

The Canadian justice system is one of the pillars that supports our democracy. The rule of law gives people a legal recourse to hold those in power to account. As the French ecclesiastic, preacher, journalist and political activist Jean-Baptiste Henri-Dominique Lacordaire said, “Between the rich and the poor, between the master and the servant, between the strong and the weak, it is freedom that oppresses, and the law that sets free.”  
 
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Doug Ford reverses retroactive funding cuts amid fierce pressure from Toronto

Ontario Premier Doug Ford has reversed this year’s cuts to municipal funding, including child care, public health and EMS, but future cuts will continue as planned. 
 
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These four women say Dr. Allan Gordon touched them inappropriately when they sought his help – and when they complained to the medical college, it dismissed their cases 
 
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‘I couldn’t believe it’ — why disability claims for mental health are often a struggle

When Dr. Wei-Yi Song filled out the insurance paperwork for a pregnant 28-year-old female patient who, at 34 weeks of gestation, was suffering from depression, he thought her case would be “a slam dunk.” 
 

May 24, 2019

2018 Law Society Tribunal Annual Statistics
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Medical Marijuana: What Health Care Professionals Need to Know

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Ontario Appoints Special Advisors to Review Workplace Safety and Insurance Board

The Ontario government is launching a review of the Workplace Safety and Insurance Board (WSIB) to ensure workers and their families remain supported and protected in the workplace. The review will provide the government with new information regarding the board’s operations and how it compares to industry best practices. 
 
 
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Why Aren’t the Doctors Where the Sick People Are?

West Hill is a quiet neighbourhood nestled between the branches of the Highland creek in east Scarborough, bounded by the elite Scaroboro Golf and Country Club to the west and Lake Ontario to the south. In the 1950s and 60s, middle-class families drawn by the area’s affordable houses and rural beauty turned the community into a post-war suburb. Along Kingston Road, which cuts through the neighbourhood, motels and plazas served drivers passing through towards Toronto. 
 
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$70,000 Non-Pecuniary Assessment for Partly Limiting Chronic Pain

Reasons for judgement were published today by the BC Supreme Court, Vancouver Registry, assessing damages for chronic pain with partial limitations arising from a vehicle collision. 
 
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Saskatchewan drivers underinsured: report

A high percentage of Saskatchewan drivers are not adequately insured, according to a recent report. 
 

May 23, 2019

Government’s proposed insurance changes a start: Derfel

The Ontario government’s plan to reinstate a $2-million default benefit limit for catastrophic injuries is welcome news, says Toronto personal injury lawyer David Derfel
 
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Bartenders’ liability for impaired driving accidents – civil versus criminal

Legal experts say criminal charges like those laid against a former bar server in connection with a drunk-driving crash that killed two Ottawa-area teens are rare and difficult to prove. 
 
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Exploring The Link Between Inflammation And Depression: Study Suggests Women Are Affected The Most

The link between depression and the body’s inflammatory response continues getting stronger, with more research showing an ever-tighter correlation. Whether inflammation causes depression has been difficult to nail down, but findings from a new study suggest we could be getting closer to an answer. For women in particular, it seems higher levels of inflammation can lead to an underlying condition that fuels depression. 
 
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Ontario’s poverty reduction strategy is built on the idea that people deserve to be poor

As a community mental health social worker in downtown Toronto, I encounter the most extreme conditions of poverty and social inequality in the city. The people I work with are often forced to find shelter in profoundly undignified environments. Some pay upwards of $1,000 a month to share a shoebox-sized room with strangers in boarding homes where sickness is rampant and pest infestations are chronic. When I search for people in dangerously cramped city respite shelters, I’m struck by their resemblance to natural disaster relief centres
 
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Court hands driver $500 fine in incident that killed cyclist Gary Sim

When the driver convicted in the incident that killed her husband was handed a $500 fine in a Scarborough courtroom last month, Angela Sim had a message for him: the punishment was not nearly enough. 
 
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Patient Compass

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More Long Term Disability Claim Tips & Tricks (Ontario)

The last installment of the Toronto Injury Lawyer Blog dealt specifically with tips and tricks for long term disability claims in Ontario.

That Blog entry was a resounding success. We received considerable positive feedback and inquiries that we thought we would keep the ball rolling with a second installment of tips and tricks for long term disability claims in Ontario.

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Gopie v. Ramcharran, 2019 ONCA 402 (CanLII), <http://canlii.ca/t/j0bkp  

[1]         The appellant, Ramesh Gopie, was injured in a motor vehicle accident on November 1, 2005. The driver of the other vehicle was uninsured, so Mr. Gopie’s own insurer, the respondent Economical Mutual Insurance Company, defended the action as an uninsured motorist carrier. Liability was not in dispute. The appellants – Mr. Gopie and his family – sought in excess of $10 million in damages, arguing that Mr. Gopie suffered ongoing symptoms from the mild traumatic brain injury he sustained in the accident.

[2]         Following an eight-week trial, the jury returned a verdict of about $186,000, including pre-judgment interest – an amount significantly less that the respondent’s pre-trial settlement offer of $500,000, plus costs. Once the damages, pre-judgment interest, and the costs awarded to the appellants were set off against the costs the trial judge awarded to the respondent, the appellants recovered nothing and owed the defendants a further $22,406.37 in costs.

[3]         The appellants argue that there are two reasons for the jury’s modest assessment of Mr. Gopie’s damages and that they require a new trial. First, the jury was allowed to effectively judge the character of Mr. Gopie and whether he was a person who was generally untruthful, and, therefore, could not properly assess whether the evidence about his ongoing symptoms following the accident should be accepted or rejected. They say this was the result of the trial judge improperly exercising her gatekeeping function in permitting Dr. Furlong, one of the respondent’s two defence psychiatrists, to impugn Mr. Gopie’s character and the trial judge having improperly told the jury that they could use the evidence of Mr. Gopie’s convictions arising out of events following the accident and other unlawful conduct for the purpose of assessing Mr. Gopie’s credibility. The appellants argue that, together, these errors resulted in a “character assassination”.

[4]         Second, the jury was led astray on the proper test for causation and the standard of proof applicable to claims for damages in the future by the trial judge’s charge on what she described as “preliminary questions” that the jury may wish to consider before reviewing the Questions for the Jury.

[7]         The respondent put the evidence of Mr. Gopie’s unlawful conduct to Dr. Furlong, as hypotheticals, and asked him whether such conduct, if it had occurred, would affect his psychiatric assessment of Mr. Gopie. In responding to whether it would affect his assessment if Mr. Gopie’s licence were suspended on medical grounds and Mr. Gopie continued to drive, Dr. Furlong offered a number of possible interpretations including that Mr. Gopie had told stories to the doctors on whose advice his licence was suspended that were not true. Over Mr. Gopie’s trial counsel’s objection, the trial judge permitted respondent’s counsel to continue and confirm with Dr. Furlong whether such conduct would affect his psychiatric assessment of Mr. Gopie.

[8]         We agree with the appellants that Dr. Furlong’s response including that Mr. Gopie might have told stories to the doctors that were not true was not proper expert evidence. In her summary of Dr. Furlong’s evidence in her charge to the jury, the trial judge made no reference to this response. Referring to his response and telling the jury to disregard it may well have drawn more attention to it. Mr. Gopie’s trial counsel made no objection to the manner in which the trial judge summarized Dr. Furlong’s evidence. We are not persuaded that Dr. Furlong’s response or the manner in which the trial judge charged the jury in relation to Dr. Furlong’s evidence warrants a new trial.

[13]      First, there is no basis to interfere with the trial judge’s ruling permitting two psychiatrists to testify for the respondent. She considered and fulfilled her gatekeeper function and provided a careful and comprehensive written ruling. Among other things, she considered the quantum of damages claimed, that the alleged psychological issues were a significant aspect of the claim, and the balance in the number of experts called by each side. The trial judge concluded that “overall [the two psychiatrists’] perspectives were quite different, and their evidence would not be unduly repetitive and would be of assistance to the jury.” Further, there was no prejudice to the appellants if the two psychiatrists were permitted to testify, whereas the respondent might be prejudiced if they were not both permitted to do so.

[14]      Second, an opinion contained in a medical record may be admissible as a medical report if the report is signed by the practitioner and leave of the court is obtained: Evidence Act, s. 52(2). The trial judge correctly exercised her gatekeeper function with respect to the admission of medical opinions contained in the medical records and reasonably concluded that they were not admissible in the absence of attendance and testimony from the practitioner.

May 21, 2019

Ontario Government’s $1 million course correction!

Contained in the 2019 Ontario Budget, Protecting What Matters Most, the government announced that it will be restoring the ‘missing million’ in auto insurance coverage for the most seriously injured, or “catastrophically impaired”, that was slashed in 2016. 
 
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Mixed news for accident victims in auto insurance reforms

Small savings on premiums can leave big deficits in care after an accident, says Toronto personal injury lawyer Gary Will
 
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New legal expense insurance trend represents challenge for PI lawyers

Legal expense insurance (LEI) was initially designed to increase access to justice for injured plaintiffs who would otherwise be unable to proceed to trial, but a recent development related to how insurers approach the product should concern all stakeholders, says Amanda Bafaro, Chief Risk Officer of Toronto-based specialist litigation finance firm BridgePoint Financial Services Inc
 
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What Surveillance Evidence Needs to Be Disclosed to Applicant? – 18-004555 RD v Wawanesa Insurance, 2019 CanLII 22203 (ON LAT)

SURVEILLANCE – is applicant entitled to surveillance evidence from respondent; is the evidence relevant to the issues in dispute;  is the evidence protected from disclosure by litigation privilege; surveillance that is related to the issues in dispute, if any, is relevant to this application; the respondent is not required to advise of the existence of any surveillance or provide copies of any surveillance evidence that relates to surveillance conducted after litigation privilege unless it intends to rely on it at the hearing 
 
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Injured Workers’ Day Rally

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Brain injuries unmasked

The 29-year-old said he can only piece together the events after the “scuffle” by the Sarnia waterfront from what people have told him, but he ended up in brain surgery in London for an epidural hematoma – bleeding between his skull and brain. 
 
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Five Ways to Support a Survivor of Traumatic Brain Injury

TBI (traumatic brain injury) can have profound and long lasting impacts you the life of the survivor of the injury and on their friends and family. Symptoms can range from physical impairments, to emotional difficulties, to cognitive impairment. Anger, depression, appetite loss and memory loss are common. These are compounded by the fact that there is usually little to no outward sign of disability – strangers don’t have a visual cue (such as a cane or walker) to be more patient, helpful, or understanding. 
 
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17-006563 v. Allstate Insurance Company of Canada, 2019 CanLII 40290 (ON LAT), http://canlii.ca/t/j0681
 [1]        This decision deals with a request for reconsideration focusing on a single question: whether the applicant is entitled to case management services under s. 17(1)(b) of the Statutory Accident Benefits Schedule, O. Reg 34/10 simply because she purchased the optional benefits described in s. 28(1)5 or, instead, whether she needs to have suffered a catastrophic impairment before being entitled to those services?            
[2]        The Tribunal held that the applicant needed to have suffered a catastrophic impairment before being entitled to case management services.  In the Tribunal’s words: I find s. 17(1)(b) when read in conjunction with s. 28(1) 5 of the Schedule provides an insured with entitlement to claim case management services if the optional catastrophic impairment benefit has been purchased and the insured has been deemed to have sustained a catastrophic impairment as a result of the accident. 
[3]        The applicant purchased a policy of automobile insurance from the respondent with the optional catastrophic impairment benefit as described in s. 28(1)5She was later injured in a motor vehicle accident and subsequently claimed entitlement to case management services. The parties agree that the applicant had not been deemed to have suffered from a catastrophic impairment. 
[4]        The applicant submits that the Tribunal made seven significant errors of law, dealt with below, in interpreting the above sections of the Schedule.  In essence, she argues that the Tribunal made a significant error of law that, if corrected, would likely have resulted a different decision: see Rule 18.2(b)  of the Tribunal’s Rules of Practice and Procedure, Version 1 (April 1, 2016). 

May 17, 2019

Making auto reform happen

Insurance reform is long overdue, says the head of a medical evaluation company. 
 
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Personal injury fakers should be prosecuted: Ford

Police should consider laying fraud charges when surveillance evidence reveals accident victims have been faking their injuries, says Toronto orthopaedic spine and trauma surgeon Dr. Michael Ford.   
 
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FOLA: Province paying lip service to consultation on critical issues

The Ontario government’s lack of commitment to meaningful consultation is striking another blow to access to justice, says Michael Winward, chair of The Federation of Ontario Law Associations (FOLA). 
 
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Lawyers frustrated by vacancies at Human Rights Tribunal

Lawyers are concerned vacancies at the Human Rights Tribunal of Ontario are contributing to significant delays and weakening human rights protections in the province. 
 
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Bill 60, Ministry of Community and Social Services Amendment Act (Social Assistance Research Commission), 2019

The Bill amends the Ministry of Community and Social Services Act to establish the Social Assistance Research Commission. The Commission recommends social assistance rates, and makes other recommendations about social assistance policy. The Commission consists of people with expertise relevant to the Commission’s work. 
 
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Link Found Between Chronic Pain And Prematurely Aging Brains

Scientists have long recognized the human brain appears to keep time to its own internal clock, its biological age speeding or slowing depending on a host of factors. 
 

May 16, 2019

Allstate whistleblower facing $700K lawsuit says insurance giant trying to silence her

A former Allstate Insurance Canada employee who launched a wrongful dismissal suit and had publicly criticized a practice she called discriminatory is defending herself against an Allstate counterclaim that could cost her more than $700,000 in damages. 
 
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Even Light Rain Increases Risk of Deadly Car Crash

Even light rain significantly increases your risk of a fatal car crash, a new study finds.

The wetter the roads, the deadlier they become, with rain, snow and ice increasing the risk of deadly car crashes by 34 per cent, according to a study this week in the Bulletin of the American Meteorological Society.

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Secret document shows how far Doug Ford’s Tories would cut social services — until they were talked back from the brink

A secret cabinet draft reveals that draconian cuts to social services, first considered by Doug Ford’s government for its April budget, provoked strong internal warnings of potential human suffering, legal peril and political fallout. 
 

May 15, 2019

Lower Auto Insurance Rates Act defeated by Conservatives

On April 18, 2019, my bill entitled “The Lower Automobile Insurance Rates Act” was debated at Queen’s Park and defeated by the Conservative Government.

https://www.downsviewadvocate.ca/2019/05/lower-auto-insurance-rates-act-defeated-by-conservatives/

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Ontario Court of Appeal: Insured’s Failure to Provide Up to Date Address Not a “Breach of Duty to Cooperate” as not “Substantial”

The insured has a duty to cooperate with defence counsel appointed by his insurer. The Ontario Court of Appeal recently reconfirmed that this duty to cooperate is not subject to a standard of perfection. Instead, to establish a breach of duty, an insurer must show that the insured’s breach was “substantial” and not merely “inconsequential or trifling”. The Court will always consider the facts and consequences of the alleged conduct to determine whether a breach can be established. 
 
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Practical Strategies Webinar – Medical Marijuana: What Health Care Professionals Need To Know

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OW and ODSP Overpayment Recovery Rates May Increase From 5% to 10%

The Auditor General has recommended that both Ontario Works (OW) and the Ontario Disability Support Program (ODSP) increase the amount they collect toward outstanding overpayments. 
 
 

May 14, 2019

Where are the bottlenecks?

Imagine Canada’s auto insurance industry saving millions of dollars each year in total loss costs and passing that along to Canadian drivers in the form of premium decreases. And all by simply reducing total loss cycle times by a week. How can the industry do this? 
 
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Ontario court rejects well-established rules for interpreting insurance policy exclusions

In Pembridge Insurance Company of Canada v Chu,(1) a judge of Ontario’s Superior Court of Justice recently concluded that insurance policies should be interpreted differently when multiple insurers are involved. 
 
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Is the speed limit going up? Is it safe? Key questions arising from government announcements

The Ontario Government announced its intention to review the province’s speed limits and it looks like the limit may be heading up. The current 100 kilometre per hour limit on the 400 series of highways was set in the 1970s in response to maximizing fuel economy during the energy crisis. 
 
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Roadblocks ahead for Alberta drivers trying to get insurance: industry professionals

Alberta drivers are being cautioned about a possibly bumpy road ahead when it comes to insurance coverage. 
 
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HST class action case proceeding through the courts
 
Elliot v. Aviva Insurance et al, 2019 ONSC 2827 (CanLII), <http://canlii.ca/t/j06d6 
 

[1]               The plaintiffs have filed 15 proposed class actions against 15 different Ontario auto insurers for failing to comply with the bulletins and guidelines issued by the Financial Services Commission of Ontario (“FSCO”) relating to the inclusion of HST in the calculation of benefits under the SABS.

[2]                The FSCO’s bulletins and guidelines apparently made clear that the payment of HST was the responsibility of the insurer and was not to be deducted from any caps or benefits payable under the SABS. The plaintiffs say the defendant insurers ignored these bulletins and guidelines and included HST amounts in the calculation of benefits payable under the SABS.

[3]               The plaintiffs also sue the FSCO defendants in identical fashion in each of these 15 actions alleging that Messrs. Philip Howell and Brian Mills, the former and current FSCO superintendents, failed to ensure that the insurers complied with the FSCO bulletins and guidelines.

[]

[7]               The Crown says the Ralston Notice about the FSCO defendants was sufficient for the launching of the first action, Mieyette, but not for the other 14 actions. In particular, argues the Crown, because it did not receive notice of the actual names of the other 14 claimants (i.e. the other 14 proposed representative plaintiffs), the other 14 actions are nullities. 

[] 

[22]         The motion is dismissed. The “other 14 actions” are not nullities and may proceed.

[23]         I asked counsel at the hearing of the motion to provide me with their costs request if their side were successful. The defendants would have requested $5000; the plaintiffs would have requested $4000. The plaintiffs have prevailed on this motion. Costs are fixed at $4000, payable forthwith by the defendants to the plaintiffs.

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Charron v. Director of the Ontario Disability Support Program, 2019 ONSC 2747 (CanLII), <http://canlii.ca/t/j03fn 
 

[14]           Dealing firstly with the timing of the report, s. 64(1) of Regulation 222/98 specifically provides that a report not provided to the Director that is provided to the Tribunal “shall” be considered by the Tribunal if it relates to the Appellant’s condition at the effective date of the Director’s decision and if it is submitted in a timely manner.

[15]           The wording in s. 64(1) and the decision of this Court in Jemiolo v. Director of the Ontario Disability Support Program (2009), 2009 CanLII 9420 (ON SCDC)248 O.A.C. 77 (Div. Ct.) state that even a report prepared after the decision of the Director “shall be considered by the Tribunal” if the stated conditions are met. Here, the psychiatrist’s report, although prepared about four months after the Director’s decision, relates to the Appellant’s ongoing condition stating that the Appellant’s condition has been ongoing “for approximately five years”. Thereby, it meets the conditions of s. 64(1). As a result, the Tribunal unreasonably erred in law when it decided not to accept the psychiatrist’s report as relevant because he “did not see the Appellant at the time of the Director’s decision”.

[16]           As well, we find that the Tribunal’s finding that there was no evidence of S1 nerve root impingement was not reasonable considering the evidence of S1 nerve root effect on an MRI. The Tribunal stated that the imaging does not confirm “impingement”. However, the imaging report of January 16, 2017 states: “Disc protrusion and minimally indents the anterior thecal sac as well as the anteromedial margin of the right and left S1 nerve roots as they exit the thecal sac”. The interpretation of this imaging result is within the psychiatrist’s expertise with respect to his physical condition as he is trained as a medical doctor.

[17]           We note, as well, that the opinion of the psychiatrist with respect to his physical conditions was in keeping with that of Doctors Lentini, a physical medicine specialist, and Bidari, the family doctor.

[18]           Thirdly, we find that the Tribunal erred in failing to consider the psychiatric analysis of the psychiatrist and the family doctor’s evidence relating to the Appellant’s depression. In this case, the Tribunal never dealt with the medical opinions relating to depression. That is an error of law.

[19]           The above is sufficient to allow this appeal. However, and although we do not make these findings, we express concern that the Tribunal might have interpreted the applicable statutory provision incorrectly.

May 13, 2019

Updated: What is the Threshold and who Meets it?

The threshold is a test used by the court to determine whether an accident victim should be allowed to recover money for pain and suffering. 
 
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Plaintiff credibility is key in personal injury trials

The plaintiff’s credibility is pivotal when it comes to motor vehicle accident trials, says Oakville personal injury lawyer Meghan Walker.  
 
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Reconsideration Denied: Legality Of Third Party IE Vendors And Adjudicator Discretion In Hearing Formats by Gordon Lee

Following a motor vehicle accident, the applicant submitted an Application for Determination of Catastrophic Impairment. The Insurer  subsequently contracted with HVE Healthcare Assessments (“HVE”), who scheduled a series of in-person Insurer Examinations (“IEs”) to be conducted by Dr. Khaled, a regulated health professional. However, the applicant refused to attend these IEs on the grounds that the contract made between HVE and the Insurer was unlawful.
 
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‘How will they eat?’ Alarm raised over revamp of Ontario’s welfare program for disabled

Homelessness, hospital, jail and — for some troubled souls — suicide. Those are the bleak outcomes people on social assistance fear as the provincial government plans to change Ontario’s welfare program for the disabled. 
 

May 10, 2019

The Financial Services Regulatory Authority of Ontario (FSRA) is a new, independent regulatory agency that will, in June 2019, assume regulatory functions currently delivered by the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO).  Due May 16.
FSRA Consultation https://selfserve.decipherinc.com/survey/selfserve/563/1904260#$
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Province’s changes to auto insurance should go further: McLeish

Proposed changes to benefits for catastrophically injured patients is good news, but Toronto critical injury lawyer John McLeish tells Law Times he is cautiously hopeful that Premier Doug Ford’s new government will return to the older definition of ‘catastrophically impaired.’  
 
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Doug Ford sides with insurance companies to rip off drivers even more

“Doug Ford wants to allow insurance companies to jack up drivers’ insurance rates by allowing insurance companies to use a driver’s credit rating to determine how much drivers have to pay,” said Rakocevic. 
 
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New judge represented Insurance Bureau at Supreme Court of Canada

A lawyer who represented the Insurance Bureau of Canada at the Supreme Court of Canada in impaired driving cases as been appointed to the bench. 
 
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Families launch class-action lawsuit over Red Hill Valley Parkway, citing buried report

Two families are spearheading a $267-million class action lawsuit against the City of Hamilton on behalf of people who crashed on the Red Hill Valley Parkway (RHVP). 
 
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When does clock begin to run on limitation period for repayment of overpaid NEBs – Aviva General Insurance Company v HH 17-007805, 2019 CanLII 18335 (ON LAT)

REPAYMENT OF BENEFITS – waiting period for NEBs; recouping overpayment of NEB benefit from the insured; when does clock begin to run on limitation period; limitation period isn’t ‘rolling’ but starts at the time of the first payment 
 
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Ensuring Your Privacy is Protected

Protecting your privacy means protecting your personal information from misuse by others. While the IPC holds Ontario public sector institutions accountable for the personal information in their care, there are steps that you can take to protect yourself, such as, minimizing the exposure of your personal information available to others, both online and off, and recognizing the signs of being a victim. 
 
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Will a robot take your insurance job? Probably.

Bored of the same-old, same-old? Why not sharpen your pencil and take that dream job as an actuary? 
 
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Decline in Mental Health After an Accident – How Can I Get Help?

It is now common knowledge that mental illness affects virtually all Canadians, either directly or indirectly, at some point in their lifetimes. Considering that mental illness is common in the general population, it is not hard to understand that mental health disorders are extremely common amongst people who are injured in an accident. 
 
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Check in on your mental health
There are many schools of thought on mental health. So, at the Canadian Mental Health Association, we waded into everything from western psychology to Indigenous knowledge, and here is what we found: when we look at various descriptions of mental health, the overlaps are striking.