FAQ Group: Policies

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 […]

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 […]

Can I settle an accident benefits claim with my own insurance company without a lawyer? by Patricia Santucci

You certainly have the right to do so but I wouldn’t recommend it. Insurance companies often minimize the value of your claim in an effort to close their file. It may not be the appropriate time for you to resolve your case because you have not reached your maximum medical recovery. If your insurance company […]

What does “totally disabled” mean? by Patricia Santucci

“You may have seen or heard of the phrase “totally disabled.” This is a term found in most long term disability policies. In short, “total disability” is a carefully defined legal term which is used in various insurance policies in order to determine whether or not a person is eligible for benefits. The definition of […]

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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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