Author Archives: Admin2

Why is our Government allowing Ontario’s wealthy insurers to slash benefits to the most injured of auto accident victims?

The 2015 budget is an absolute windfall for Ontario’s insurers who are the beneficiaries of Building Ontario Up by building up their already substantial profits on the backs of Ontario’s seriously injured auto accident victims.

Consumers and accident victims alike are already being short-changed when the coverage they purchased isn’t there when they need it. According to the Auditor General’s 2011 report on auto insurance about half of all claims end up in court trying to get what they paid for and that isn’t any more acceptable than purchasing a car and finding out that the brakes only work half the time.

Ontario’s wealthy insurance companies have had an “easy ride for over 20 years” according to the recent Schulich School of Business report on Ontario’s insurance industry.  Insurers have overcharged Ontario drivers by billions and are making 17% on their investments while claimants, who have paid in good faith, are left hanging out to dry at a time when they need assistance.

FAIR Bill 91 submission to Standing Committee on Finance and Economic Affairs May 25 2015

Ontario’s government leaves most injured forgotten

In the last speech of politician Hubert Humphrey, he delivered wise words we should all remember come election time: “…the moral test of government is how that government treats those who are in the shadows of life; the sick, the needy and the handicapped.”

http://www.torontosun.com/2015/05/22/ontarios-government-leaves-most-injured-forgotten

A Meaningful Mediation Avoiding Remedial Costs

The issue of remedial costs, previously discussed here, posed one of the few checks on the growing power of insurance companies in Ontario for motor vehicle collisions.

http://www.slaw.ca/2015/05/24/a-meaningful-mediation-avoiding-remedial-costs/

Spinal injections of stem cells restore sensation in some paraplegics: study

TORONTO – A small number of paraplegics are now able to feel some sensation after having neural stem cells transplanted into their damaged spinal cords as part of a study, raising hope that the therapy may help restore movement in some paralyzed patients.

https://ca.news.yahoo.com/spinal-injections-stem-cells-restore-sensation-paraplegics-study-154047742.html

Secret Tactics of Car Insurance Claim Adjustors

Immediately after an accident, insurance company will send a claim adjuster to try to settle the case as inexpensively as possible. That is beneficial for the insurer, but as the insured looking out for your interest is a top priority.

http://www.ratelab.ca/claim-adjustors/

Injured Workers Stop in Cornwall During 600 km Bike Ride to Draw Attention to a Compensation System Being Dismantled by the Liberal Government

“Our 100 year old system is being destroyed by uncaring government bureaucrats David Marshall and Kathleen Wynne. Their callous disregard for the plight of injured workers is evident in the cost cutting attacks upon injured workers’ benefits. The denial of a workers’ right to fair compensation is fundamentally wrong and goes against what the system was set up to do,” said Peter Page. “If a worker is injured at work, she or he should be compensated for any resulting disability not pushed into poverty and forgotten.”

Re-hospitalization rates for traumatic brain injury higher than previously reported

The study, led by Dr. Angela Colantonio, senior scientist, Toronto Rehabilitation Institute, UHN, examined nearly 30,000 TBI patients discharged from Ontario hospitals over the span of eight years. Published in the May edition of Archives of Physical Medicine and Rehabilitation, the study found that about 36 per cent of patients with TBI had been re-hospitalized within three years of their initial injury due to a variety of factors. Previously, readmission rates had been reported at about 25 per cent.

http://medicalxpress.com/news/2015-05-re-hospitalization-traumatic-brain-injury-higher.html

St. Michael’s Hospital health team offers prescription for poverty

The poorest Canadians are twice as likely to develop diabetes as the richest. They’re more likely to suffer from cardiovascular diseases, respiratory illnesses, lung cancer, depression and arthritis. As Toronto Public Health reported in April, poorer young women are more likely to get chlamydia infections.

http://www.thestar.com/news/insight/2015/05/23/st-michaels-hospital-health-team-offers-prescription-for-poverty.html

Ontario doctor rebuked for denying role of ‘gross medication error’ in patient’s death

Regulators have rebuked an Ontario doctor for misleading family members about the role of a “gross medication error” in their loved one’s death, a rare case of a physician being censured for secrecy around a health-care mistake.

http://news.nationalpost.com/health/ontario-doctor-rebuked-for-denying-role-of-gross-medication-error-in-patients-death

Proposed Amendments to Insurance Act Regulation 461/96 (Court Proceedings For Automobile Accidents That Occur on or After November 1, 1996)

Ministry: Ministry of Finance Regulation Number(s): O. Reg. 461/96: Court Proceedings For Automobile Accidents That Occur on or After November 1, 1996
Bill or Act: Insurance Act Summary of Proposal: Further to the 2015 Ontario Budget commitment to ensure that the auto insurance system reflects the effects of inflation and to restore the policy rationale and integrity of the tort deductibles to when they were last updated in 2003, amendments to Insurance Act Regulation to 461/96 (Court Proceedings For Automobile Accidents That Occur On Or After November 1, 1996) are proposed to adjust the deductibles on court awards for non-pecuniary (i.e. pain and suffering) damages to reflect inflation since 2003, and link the deductibles to future changes in inflation.

The current $30,000 deductible amount in the case of damages for non-pecuniary loss would be adjusted to $36,540 untilDecember 31, 2015, and on January 1, 2016 and every subsequent year, this amount would be revised by adjusting the amount by the indexation percentage published under Insurance Act subsection 268.1 (1) for that year.

The current $15,000 deductible amount in the case of damages for non-pecuniary loss under clause 61 (2) (e) of the Family Law Act, would be adjusted to $18,270, and on January 1, 2016 and every subsequent year, this amount would be revised by adjusting the amount by the indexation percentage published under Insurance Act subsection 268.1 (1) for that year.

These proposed regulation amendments are consistent with the Building Ontario Up Act (Budget Measures), 2015 proposed amendments that, if passed, will amend the Insurance Act to adjust the monetary thresholds beyond which the tort deductible does not apply to reflect inflation since 2003, and link the thresholds to future changes in inflation.

Existing optional coverage (Added Coverage to Offset Tort Deductibles) to reduce the tort deductible amounts will remain unchanged, and consumers will continue to have options to customize their coverages to suit their needs.
Further Information:  O. Reg. 461/96: Court Proceedings For Automobile Accidents That Occur On Or After November 1, 1996 
 Insurance Act 
Proposal Number: 15-MOF012 Posting Date: May 14, 2015 Comments Due Date: June 29, 2015 Contact Address: Insurance Policy Unit
Financial Institutions Policy Branch
Ministry of Finance
95 Grosvenor Street
Frost Building North, 4th Floor
Toronto, Ontario
M7A 1Z1 Comment on this proposal via email

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