How Do You Tell Your Insurance Benefits Are Being Unfairly Denied?

If your insurance company denies your benefits, do not automatically assume they have done so correctly and fairly. Insurance companies often unfairly deny benefits claims in order to protect and bolster their profits. At the end of the day, an insurance company’s first priority is turning a profit. Insurance companies have been known to resort to unfair and deceptive practices in order to mitigate their responsibility to pay your benefits. …

What Do You Do When The Insurance Company Denies Your Personal Injury Claim?

Your insurance company owes you a duty to act in good faith. This duty is the premise of the whole contractual relationship and needs to be upheld when your insurance company denies your personal injury claim. Although your insurance company can deny your personal injury claim, in good faith, for any number of legitimate reasons, you as the insured have the right to contest this denial if you feel it is unreasonable.
If you feel your insurance company has acted in bad faith or their reasons for denying your claim are unreasonable, …

Can a Purchaser Lose Their Deposit If They Fail to Close Their Real Estate Transaction?

Can a purchaser lose their deposit if they fail to close their real estate transaction? When do they have a right to get it back?
It is common practice for a seller to secure a deposit from the purchaser upon the acceptance of the purchaser’s offer. This deposit protects the seller against transactions that fall through due to a purchaser’s failure to close. If a purchaser cannot close on the closing day, the deposit is usually forfeited to the sellers. …

What is Considered a Matrimonial Home?

As established by section 18 of the Ontario Family Law Act, a matrimonial home is defined as “every property in which a person has an interest and that is or, if the spouses have separated, was at the time of separation ordinarily occupied by the person and his or her spouse as their family residence is their matrimonial home. Only married parties have a matrimonial home.
Parties who live together and are not married do not have a “matrimonial home”, …

How Long Do Your Accident Benefits Last?

Income replacement Benefits (Same for Catastrophic, Non-Catastrophic, Minor Injury Claims)
Applicants for income replacement benefits must have severe injuries that prevent them from working or working in the same way they did before their injury. In order to become eligible for these benefits the injured person must meet one or more of the following qualifications:

  1. Employed at the time of the accident (including self-employment);
  2. Worked for 26 or more weeks out of the 52 weeks preceding the accident;

What Do You Do When Your Disability Claim Is Denied?

Long-Term Disability
If your long-term disability claim is denied by your insurance company, you have the right to appeal this decision. Your appeal is an internal process within the insurance company. Although appealing the insurance company’s decision may seem like the easiest option, appeals often fail due to vague and inconclusive medical information. Without providing a substantial amount of new medical evidence, the original decision will most likely be maintained. The appeal process can also be quite lengthy, …

What are some of the Exceptions to the Ontario Land Transfer Tax?

Transfers of land between affiliated corporations, No consideration is given, certain transfers between the spouses, Certain easements granted to oil or gas pipelines, Certain conveyances of family farms or family business corporations, Other exemptions include disposition of land by an employee to employer, certain life lease interests, Hospital restructuring, Charity Reorganizations, certain transfers under the municipal water and sewage transfer act and certain acquisitions under the Toronto Islands Residential Community Stewardship Act, 1993.
Summary of the Law
Based on S. …

Have you suffered from a Dog bite?

What are your rights and defences when attacked by an animal?

  1. What are the defences available to the dog owner?
  2. What is the range of damages available for general damages?

Short Answer:
Where someone is bitten by an animal, there is a strict liability against the owner. Damages are awarded based on the severity of the injury. Any damages can be reduced by the contributory negligence of the person claiming against the animal. …

What are the exemptions to the capital gains tax rule?

Short Answer
Disposition of Principle Residence, Transfers of property to your spouse or common-law partner or to a trust for your spouse or common-law partner, any capital gain resulting from the donation of ecologically sensitive land and selling or donating certified Canadian cultural property (national treasures) to an institution or public authority.
Principle Residence Exemption
The main exemption is the Principle Residence exemption. If the property was a Principle Residence for every year that it was owned, …

How Does Long Term Disability Work in Ontario?

Throughout our working careers, we pay into social benefits that create safety nets for people in our society. Before their implementation, people who had unfortunate accidents or life-altering medical problems were left out on their own to fend for themselves. This is the reason that we have disability payments. You have helped support the system your whole working life, and now that you are in need, you should be supported. Many people ask us “how does long term disability work in Ontario?” With this article, …