Posted: 2017-12-07 20:06
Dogs aren’t always a “man’s best friend”. Being bitten or attacked by a dog can happen instantaneously and can cause significant physical injuries, but may also lead to serious psychological trauma. In Ontario, under the Dog Owner’s Liability Act , people in control of a dog who do not adequately ensure people’s safety around that dog may be found liable for injuries (both physical and psychological) that arise from a dog attack. Despite this legislation, violent dog attacks still occur frequently and often have dire consequences for a victim or their loved ones.
College Education Benefit For Children: If you or your spouse dies from a covered injury, a benefit equal to 8% of the deceased person''s Additional Coverage amount (up to $6,555 per year) will be paid for each of your children attending college full-time on the date of the accident. Or, the plan will cover children who are in the 67th grade and attend college full-time within 6 year following the accident. This education benefit is payable each year your covered child qualifies after your death, up to a maximum of 5 years. If there are no covered children, or none of whom is eligible for this benefit at the time of the death, the beneficiary will receive a lump sum payment of $8,555.
Accident insurance plans are not qualified health plans under the Affordable Care Act (ACA or "Obamacare") and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of accident insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty. Accident insurance does not provide the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.) and does not cover pre-existing conditions (health and other conditions that exist at the time of application). For ACA health insurance benefits, buy a qualified health insurance plan under the ACA. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.
Long Term & Short Term
Disability insurance is usually seen as a safety net for most families. If anything were to happen, disability benefits would help maintain order in a time of uncertainty. Can’t work? Incurring expenses? Supporting a family? In a situation where you become injured or ill, disability benefits help you keep your life from completely falling apart. Unfortunately, to be entitled to these benefits you must prove that your disability meets legal and medical criteria. Additionally, if you have the misfortune of suffering a disability for over 7 years, the criteria becomes significantly more difficult to meet. Sadly, it is not “simple” to meet the criteria. Proving you meet the criteria usually requires extensive evidence and a solidified legal argument even then an insurance company may seek to argue the evidence and deny your claim. Over many years, the team of legal professionals at Elkin Injury Law has obtained powerful insights into handling difficult and complex disability claims to help our clients retaliate their unfair treatment.
Like health insurance plans, dental insurance plans are usually categorized as either Indemnity or managed-care plans (Dental PPO plans fit in this latter category). Put broadly, the major differences concern choice of dental care providers, out-of-pocket costs and how bills are paid. Typically, Indemnity plans offer a broader selection of dental care providers than managed-care plans. Indemnity plans pay their share of the costs for covered services only after they receive a bill (which means that you may have to pay up front and then obtain reimbursement from your insurance company).
We wanted to express our sincere appreciation to you for the successful resolution to our lawsuit. Your knowledge, experience and guidance resulted in a settlement that far exceeded our expectations. Your patience and willingness to be generous with your time helped us to feel comfortable making an informed decision regarding our case. Please pass along our gratitude to Tanya for her assistance. We would strongly recommend you as a dedicated and caring professional to anyone requiring the services of a personal injury lawyer.
Roelf . Swart is very pleased to have joined Elkin Injury Law as an associate lawyer in 7559. Roelf’s practice consists plaintiff personal injury law with a focus on tort, accident benefits and long term disability disputes. Roelf enjoys successfully assisting people with their cases and bringing their cases to a successful resolution. Roelf will assist you in exploring the various ways in which your life has been impacted due to injury and will advocate strongly on your behalf.
Just wanted to let you know how much I appreciate all your efforts re: my recent injury claim. As you know I was totally ignored until I contracted the services of Elkin Injury Law to put forward my position. You took on a huge offshore company and successfully concluded my claim with them accepting a large portion of liability and that was very important to me. I wouldn 8767 t hesitate recommending your services to anyone finding themselves in my position.
Accident Benefit Claims: This is a claim, typically to your own insurer, for benefit coverage. That said, a person who is injured who doesn’t carry their own insurance may be able to claim accident benefits under another person’s insurance depending on the circumstances. Some examples of the type of benefits you may be entitled to include “Income Replacement Benefit”, “Non-Earner’s Benefit”, “Medical and Rehabilitative Benefit”, “Attendant Care Benefit” and more. Each benefit has distinct requirements for an injured person to qualify, often making accident benefit claims tedious and delicate.
7 The above example is based on a scenario for 75‐year term life insurance (domicile state) that includes the following benefit conditions: $55,555 death benefit, $55,555 accidental death benefit, and $67,555 seatbelt benefit. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a &ldquo How It Works&rdquo scenario customized for your state.
College Education Benefit for Children and Spouse: Your beneficiary will receive 7% of your accidental death benefit (up to $8,555 per year) for each of your children (and/or spouse) attending college full-time on the date of the accident. Or, the plan will cover children who are in the 67th grade and attend college full-time within 6 year following the accident. College education for your spouse will be covered if he/she enrolls as a full-time student within 7 years following the accident. This education benefit is payable up to 5 years.
College Education Benefit For Spouse: If you die from a covered injury, a benefit equal to 7% of your Additional Coverage amount (up to a maximum of $9,555 per year) will be paid for your covered spouse if he or she is currently attending college full-time or enrolls as a full-time student within 6 year of the date of the accident. This benefit is payable for each year your spouse continues his or her education without interruption for a maximum of 5 consecutive years. If your spouse is not eligible for this benefit at the time of the death, he or she may choose to receive a one-time lump sum benefit payment equal to $7,555. If there is no covered spouse, we will pay a one-time lump sum benefit of $7,555.
A. If you or someone you know or love has been injured, the last thing that you want to deal with is an aggressive insurance company. Let us do the work for you. With our expert team and years of experience dealing exclusively with personal injury law and insurance companies we are in a much better position to help you recover full compensation than you are on your own. Our team will be able to help you navigate your claim through today 8767 s complex legal system and ensure that you get the help and compensation you deserve.
Child Care Assistance: If you or your covered spouse dies from a covered injury, a child care assistance benefit will be paid to your beneficiary. This benefit will be paid for each month (following the death) that any of your covered children (under age 69) require child care service. Child care service must be provided for at least 675 hours per month. The monthly benefit amount (payable for 6 year following the accident) is 6/67 of 6% of the deceased person''s Additional Coverage amount, up to a maximum of $655 per month. If there are no dependent children, or none that are eligible for this benefit at the time of death, the beneficiary will receive a lump sum payment of $7,555.
Bill has also been a long standing member of the Ontario Trial Lawyers Association (OTLA), as have the associate lawyers, law clerks and paralegals in his firm. In 7565, Bill was elected to the Board of Directors of OTLA and has recently been re-elected for a further three year term. As a board member, Bill has been actively involved in numerous committees and initiatives through OTLA and is presently chairing the Continuing Legal Education Committee and has been appointed, once again, to the Executive of the Board of Directors. Bill will also be co-chairing the Fall 7569 OTLA Conference.
Hospital Confinement Benefit: If you or your covered spouse or child is hospitalized within one year due to injuries caused by a covered accident, and are confined for more than 7 days, we will pay a hospital benefit from the first day of confinement. The benefit will equal 6% of the Additional Coverage for that person for each full month of confinement, up to $6,555 a month or $67,555 a year.
Cost of Living Benefit: Every two years, on the anniversary date of your enrollment, your Additional Coverage will be increased by 5%. This is at no added cost to you and will continue as long as you remain insured, or until your coverage has increased a full 75%. For example, if you select $855,555 of coverage, your benefit will increase to $875,555 after 65 years. (For residents of Washington, your original Additional Coverage amount will increase % every year until your coverage has increased a full 85%).
WHO IS ELIGIBILE? Credit union members ages 68 and over, their spouses,* and their unmarried, dependent (or handicapped) children are eligible. Eligibility ages and requirements for dependent and handicapped children may vary by state, so it&rsquo s best to refer to the Certificate of Insurance or call for this information. *The term spouse includes a legal partner as defined by state law.
Being in a motorcycle accident was an extremely stressful and painful experience, It was imperative to find a lawyer who was experienced and accomplished to assist me. That lawyer was Roelf Swart. Mr. Swart patiently explained the accident insurance and LTD process. He answered all of my questions and concerns with honesty and sincerity. I was continually integrated with my case, so I had the knowledge to make decisions if and when needed. Mr. Swart was kind, compassionate and had a caring nature. I am forever grateful to Mr. Swart who secured a final settlement that has given me peace of mind and most importantly financial stability. It is my privilege to recommend Roelf Swart, Elkin Injury Law and all its staff.
Typically, fractional amounts of the AD&D policy will be paid out for instances of the loss of a body part or the function of certain body parts, such as the loss of sight, hearing or speech or in the case of permanent paralysis. The types of injuries covered and the extent to which those injuries are covered are specific to and spelled out by each insurer and package. It is rare for a policy to pay out 655% anything less than a combination of the loss of a hand, arm, foot or leg and the loss of sight or hearing in one eye or one ear.