FAQ Group: Common Questions

Is Critical Illness Insurance the same as LTD? by Patricia Santucci

No, Critical Illness insurance is not the same as LTD. Both types of insurance provide you with financial support should you become disabled, however, Critical Illness insurance kicks in only if you are diagnosed with a “critical” illness. Policies vary as to what is included as a critical illness. Unlike LTD, with a critical illness […]

Is Mortgage Disability Insurance the same as LTD? by Patricia Santucci

No, these are different “products” provided by your insurance company. Like LTD, Disability Mortgage insurance provides you with financial support in the event that you become disabled and are unable to work. However, with Mortgage insurance, the benefits are paid to your mortgage only. If you qualify, the payments will cover all or part of […]

Will I need to bring anything to our first meeting with you? by Patricia Santucci

Yes. You will need to – bring identification with you such as your OHIP card or Driver’s license – social insurance number, if you have one – certificate of auto insurance. Specifically, you need to know when your policy renews and whether you have any enhanced coverage. This information will reveal whether the some of […]

What happens if I need accident benefits and my own insurance company won’t pay them? by Patricia Santucci

When a person’s own insurance company starts to deny him/her benefits, a personal injury lawyer’s assistance is critical. There is a government body called the Financial Services Commission of Ontario (FSCO) that governs all matters of insurance in this province including accidents benefits. If your own insurer refuses to pay for a benefit that you […]

What if the accident was my fault but I was really hurt, do I have a case then? by Patricia Santucci

Possibly. You may have an accident benefits case against your own insurance company if it refuses to pay you the benefits you need and are entitled to under the policy. In Ontario, we have what is called, “no-fault” legislation. This means that whether the accident was your fault or not, your own insurance company is […]

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Roger D. Yachetti April 14, 1940 – September 16, 2018 “Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.” – Shannon Alder Inspiring people lead by example. Their passion, intelligence, and leadership reflected not just through their own achievements, but also […]

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