ICBC punished for fraud allegation.

On March 1, 2016, the BC Supreme Court ordered ICBC to pay $350,000 in punitive damages for malicious prosecution after alleging that the plaintiff acted fraudulently following a pedestrian collision. In Arsenovski v. Bodin, 2016 BCSC 359, the plaintiff was walking with her husband when he was struck by a vehicle.  The plaintiff was not struck by the vehicle but did fall down and suffer some modest injuries during the incident and she reported this to ICBC.  Specifically she told ICBC that “the last thing I remember was stepping off the curb to cross the street.   I don’t know how far we had...

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Trial adjourned due to uncertain prognosis.

On February 16, 2016,  the BC Supreme Court granted an application to adjourn a personal injury trial in the face of uncertain medical evidence about the plaintiff’s prognosis. In Gee v. Basra, 2016 BCSC 427, the plaintiff was injured in a 2011 motor vehicle accident for which the defendant admitted liability.  The plaintiff suffered chronic headaches and the her physician was uncertain as to her prognosis, noting that a course of Botox injections may prove helpful, stating that: Jodene [the plaintiff] is now four years post injury and has fully participated in the range of therapy...

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Always apply for CPP disability benefits.

If you have been receiving long-term disability (“LTD”) benefits for over a year your insurance company will likely require you to apply for Canada Pension Plan (“CPP”) disability benefits. This seems like a no-brainer at first, until you realize that if you win CPP disability your insurance company basically gets to keep all the money. You will have to give the insurance company the retroactive payment you get from the CPP, your overall monthly income may go down slightly. and, you might get an unexpected tax bill for the retroactive payment, even though...

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The best clients in the world.

I have the best clients in the world. This is largely due to the fact that most people are sincere, hard-working and honest. Most people do not want to be “on disability”, and would give anything to return to the productive workforce. I take some credit for the quality of my clients as well. I recognize that there are only so many hours in the day, and if I want to give each client’s file the attention it deserves I must limit the number of files I take on.  So when I interview a potential new client I ask myself: can I see myself devoting my best efforts to this...

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“Internal Appeals” are WORSE than a waste of time.

If an insurance company denies or terminates a claim for long-term disability benefits, the insured should not get side-tracked with the internal “appeal” process. If the goal is to have the insurer reverse their decision, or to reach a  settlement with the insured, the fastest way to do this is by litigation. Let me tell you why. Let’s begin with a bit of background about internal appeals and litigation. If one disagrees with the insurance company’s decision about a claim (that is, to deny the application for long-term disability benefits, or to stop payment of benefits), then...

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