My most memorable case of 2016.
The past year has seen many interesting and surprising cases land on my desk. But my most memorable case involved a woman I’ll call April. April had been employed by a financial institution for a number of years when she developed cancer that forced her to stop work in May 2001. She applied for long-term disability benefits under her employer’s group insurance policy. Her claim was approved and benefits were paid starting in November 2001. Although the cancer treatment went well, April developed a number of mental illnesses including major depression, a generalized anxiety...
read moreThe 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...
read moreWhat is a Functional Capacity Evaluation?
Functional capacity evaluations, functional assessments and functional abilities evaluations are all different names for the same thing: a series of tests and observations used to estimate your ability to function at work. For simplicity I will just refer to them collectively as functional capacity evaluations. Functional capacity evaluations (FCE’s) usually take place over one or two days and are administered by a health professional (usually an occupational therapist, physiotherapist or kinesologist). The testing usually will take the entire day (for a one-day FCE) or a day and half (for a...
read moreDiscount Rates and Present Day Values.
Discount rates are used to calculate the present day value of a loss of future income or cost of future care that is awarded as a lump sum in personal injury cases. The discount rate assumes that the lump sum will be invested and will earn enough income to create a sufficient stream of compensation for the injured party over the appropriate time frame, with the fund being fully exhausted at the end. This is one methodology of calculating and compensating future financial loss endorsed by the so-called 1978 “Trilogy” of catastrophic injury cases decided by the Supreme Court of...
read moreContingency Fees – FAQ’s.
What is a Contingency Fee Agreement? A Contingency Fee Agreement (CFA) is a contract between a law firm (or lawyer) and the client in a case where legal fees are payable as a percentage of the amount recovered as damages. Under a CFA, the legal fees are payable only if the case is successful. This means that, if the case is not successful, the client does not pay any legal fees. The CFA must be in writing and signed by both the client and the lawyer. What type of cases use a CFA? Mostly, a CFA is used in personal injury or wrongful death matters. It is also frequently utilized in some...
read moreHow are health records used in a lawsuit?
Overview If you suffer from an injury or disability, you will likely receive care from one or more health care practitioners. You will probably be aware that a health care practitioner typically makes records each time you see him or her. These records typically document your comments, the health care practitioner’s findings and the health care practitioner’s diagnosis and opinion. These records help both the health care practitioner who makes the records and any other health care practitioner who receives the records to provide appropriate care to you. If you are involved in a lawsuit...
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