Saturday, December 31, 2016

Putting the pieces together - what Ont auto insurers don't pay and how it is creating a crisis

Insurers are pocketing the health care costs of treating MVA victims – funds that should be repaid to taxpayers (not to mention OW and ODSP costs that the taxpayer is unknowingly picking up along with prescription costs) and this has created a health care $ deficit problem for Ontario taxpayers. A problem the Financial Services Commission has known about for years – the Auditor General told the FSCO it needed fixing in 2011 but nothing was done so the taxpayer has continually paid some of the medical costs of MVA victims. To ‘cure’ the problem it is now suggested by the Ontario Chamber of Commerce to privatize some services. Which means more people would have to increase their private insurer coverage if they are lucky enough to have this extra coverage. Who benefits? Not the taxpayer and not victims. Insurers who will now sell consumers the coverage they can no longer get from OHIP. Simultaneously auto insurance coverage (as of June 1, 2016) is decreased by over $1 million for the most catastrophically injured among us, thereby saving insurers about $6-800 million a year in payouts. Rehabilitation/medical rehab access is also cut by 5 years for all but children who are injured. http://truthaboutinsurance.ca/benefits-recently-cut-further/ . So just as MVA victims are about to be increasingly shunted onto the OHIP system, the proposal is to increase the privatization of that system.

Source/more: http://www.fairassociation.ca/2016/03/putting-the-pieces-together-what-ont-auto-insurers-dont-pay-and-how-it-is-creating-a-crisis/

The lingering symptoms of a brain injury force me to lead a double life


With lingering symptoms from a brain injury, I found myself in my late 20s living with a complex chronic illness. In many ways I had to start over. I traded a life that I loved for solitude.

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Becoming Disabled


A person without a disability may recognize someone using a wheelchair, a guide dog or a prosthetic limb, or someone with Down syndrome, but most don’t conceptualize these people as having a shared social identity and a political status. “They” merely seem to be people to whom something unfortunate has happened, for whom something has gone terribly wrong. The one thing most people do know about being disabled is that they don’t want to be that.

Source/more:



It's all in their heads


"A concussion is more a mild form of traumatic brain injury in which the brain is exposed to abnormal forces that result in transient neurological dysfunction," Ellis says. "But ‘mild traumatic brain injury’ is a bit of a misnomer."

Source/more:



Canada’s expensive habit: Adding up opioid abuse’s rising financial toll on the health-care system


Public drug programs spent $93-million on medications used for addiction to prescription painkillers and illicit opioids in 2014, compared with $57.3-million in 2011, according to figures for every province except Quebec compiled by the Canadian Institute for Health Information (CIHI) for The Globe and Mail. In four provinces, this class of opioids ranked among the top 10 in spending on all prescription drugs – a group that traditionally includes medications for arthritis, high blood pressure and high cholesterol.

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‘Situation is crisis all the time. There is no plan,’ says Ontario parent of adult son with autism


Ombudsman Paul DubĂ© is set to release that long-awaited report Wednesday at Queen’s Park. Last year, the ombudsman’s 2014-2015 annual report revealed the investigation had drawn more than 1,300 complaints, including “urgent, disturbing cases where adults with severe special needs were ending up in jail, homeless shelters and hospitals because no care or services were available for them.”

More/source:



These Are The Hidden Costs Of Living With A Disability


Do you know how much a manual wheelchair costs? Not the kind you buy from the Sears catalogue when you break your leg and need someone to push you around for six weeks. I'm talking about the kind that a paraplegic might need, that offers the correct ergonomic support and fits the lifestyle of the person who will rely on it for years.

Source/more:



Wednesday, December 28, 2016

College fights to get groping MD’s licence revoked


Following a Star investigation into doctors still at work after sexually abusing their patients, the provincial government established a task force in December 2014 to study the issue and make recommendations. The Ministry of Health has said the report is expected to be made public soon.

Source/more:

Opioid overuse is creating ‘lost generation,’ expert says


Opioids overuse is the “worst man-made epidemic in modern medical history,” a leading expert on workers’ compensation told Canadian physicians Wednesday, urging them to take tough and immediate action to address the problem.

Source/more:


The terrible cost of waste in health care


......Deciding who will live, or have a chance at life, and who will die, is one of the crueler ways Ontario governments have long controlled the costs of health care.

Another is long waiting lists for treatment......

...Premier Kathleen Wynne’s government for wasting billions of public dollars on, for example, unreliable and expensive wind and solar power, for cancelled gas plants and, most outrageously, for spending scandals in the health ministry such as eHealth and Ornge.



Monday, December 26, 2016

Patients with moderate to severe TBI twice as likely to die from an unintentional injury


Research examining adults with moderate to severe TBI who participated in rehabilitation showed that they were twice as likely to die from an unintentional injury that occurred following their TBI. This was in comparison to individuals in rehabilitation of similar age, sex, and race but without TBI. People who have had a moderate to severe TBI may experience changes in cognition and balance, which may put them at greater risk of subsequent unintentional injuries.

Source/more:


Higher driver fees in Ontario


Drivers in Ontario should get ready to fork out a few more dollars to the provincial government to own a car or driver’s licence, because fees are going up.


Source/more:


Everyday Legal Problems and the cost of Justice in Canada

......Nearly one-third (30%) of the respondents reported their problems had not
been resolved and were ongoing. The majority (55%), however, reported that
their problems had been resolved within the three-year reference period of the
study. The remaining 15% of respondents reported mixed results with one
problem resolved and one problem ongoing.

Many people felt that the outcome they received was unfair. Among those
with problems that had been resolved, 46% said the outcome for one (or both)
of their problems was unfair. Further, 70% said that the outcome they
obtained did not achieve all of what they had originally expected. Among
people with problems that were ongoing, 16% said the problem had become
worse. Finally, among self-helpers who said the problem had been resolved,
42% said that, in retrospect, they felt the outcome would have been better if
they had obtained some assistance.

These results support other findings that indicate that some Canadians,
particularly those with fewer resources and those who see themselves more
on the margins of society, do not view the justice system as fair, accessible or
reflective of them or their needs......

How people suffering from Invisible Disability are subject to wrong judgment and discrimination


When people hear the word ‘disability’, they typically create the image of a person in a wheelchair in their mind. However, what many people are unaware of is the fact that disability doesn’t have to visible. There are millions of disabled people around the world who show no signs of disability on the outside, because their disability is usually linked to their internal body system. This makes it very difficult for people with invisible disabilities to explain their situation to others and why they are entitle d to use disabled facilities as much as the visibly disabled.

Source/more:



Legal woes taking toll, report says


Everyday legal problems — from getting divorced, to fighting eviction notices, to disputing cell phone bills — cost Canadians about $7.7 billion a year.

Source/more:



Court Finds It is an Abuse of Process For ICBC to File Inconsistent Pleadings From Single Collision


In today’s case (Glover v. Leakey) the Defendant was involved in a crash and injured two passengers. One sued and fault was admitted and ultimately settlement reached. The second sued but fault was denied. In the midst of a jury trial the Plaintiff discovered the inconsistent pleadings and asked for a finding of liability.

Source/more:



Constitutional Challenge Launched Against Flawed Ontario Liberal Government Automobile Insurance Legislation- Discriminatory and Unconstitutional

Joseph Campisi, lawyer and advocate, is launching a constitutional challenge in the Ontario Superior Courts.  Mr. Campisi is seeking a declaration from the courts that parts of the legislation that were recently passed by the Liberal Government are discriminatory and unconstitutional and should be inoperative.

"The right to access the Superior Courts is a fundamental right for Canadians.  I am concerned that the recently proclaimed legislation will deny this right to individuals who have been severely disabled." said applicant and noted Personal Injury Lawyer Joseph Campisi.  "Historically, the deck has been stacked against collision victims.  The recent amendments to the legislation have turned a bad situation into a worse one for these vulnerable individuals.  No longer will these individuals be allowed to have the assurance of impartiality and independence that is a cornerstone of our justice system when litigating a claim against their own insurance company.  I could not stand idly by and let this happen."...........

Sources/more:

ACCESSIBILITY FOR ONTARIANS WITH DISABILITIES ACT ALLIANCE UPDATE


ACCESSIBILITY FOR ONTARIANS WITH DISABILITIES ACT ALLIANCE UPDATE

Below are the email addresses and Twitter handles for all Ontario MPPs as of February 28, 2016, broken down by their political party, and then listed in alphabetical order for each party.

Source/more:



Saturday, December 24, 2016

Ontario needs a new government

Ontarians need relief from a government that has doubled the provincial debt and is well on its way to pushing it up to a staggering $350 billion, making it the most indebted sub-sovereign borrower in the world.........

Source/more: http://www.torontosun.com/2016/09/10/ontario-needs-a-new-government



Let’s break the cycle of endless studies and consultations


Premier Kathleen Wynne’s government has started yet another cycle of consultation on poverty reduction. Since 2008, social justice advocates have participated in a series of policy consultations regarding social assistance reform, only to be disappointed every time by government inaction. Almost a decade of empty discussions about “poverty reduction” has shown that consultation is a diversionary tactic to avoid tackling poverty.

Source/more:


Ontario patients deserve better protection: Editorial


There’s a conspicuous and troubling gap in the Liberal government’s plan to protect Ontario patients from sexual abuse by doctors. Missing is the core recommendation of a task force on this issue calling for creation of a special Ontario Safety and Patient Protection Authority.

Source/more:


Bill reeks of IBC influence


Hudak is now leaving politics and has never shown any interest or knowledge in the topic of auto accident victims or pi lawyers before - so why now that he is leaving? If he is pushing through the Protection for Motor Vehicle Accidents Bill to get the government to scrutinize personal injury lawyers, it is highly likely that the Insurance Bureau of Canada (IBC) is behind it.

Source:



Wednesday, December 21, 2016

I Won’t Apologize for Having Fun While Chronically Ill


When I was six, I was hospitalized with Rocky Mountain spotted fever. At the hospital, I was encouraged to get out of bed, get dressed and spend as much time as possible in the playroom. I brought magazines and books back to my room to read and played with other kids who were up and about on the pediatric floor. There was a girl in the next room with leukemia, and we made faces and waved to each other through our shared window. The fact that I was able to play didn’t mean I wasn’t sick enough to be hospitalized. It meant that regardless of my illness, I was a child with the same needs and wants as other children.

Yet, with adults, the same concept doesn’t seem to hold true. Whenever ill people do — well, anything — it’s taken as “proof” that we’re bluffing about our condition. Many of us are confronted by complete strangers on a regular basis when we go out in public, on everything from using parking placards to requesting ADA accommodation at events. We’re challenged more by people we know, who should really know better.

After I became ill, I decided to go to my favorite theme park one day. I didn’t do much; it was a very sedentary experience. I posted a photo of myself on one of the rides on Facebook with my germ mask on backward, slept for days to recover from my adventure, and didn’t think much of it. A few days later, my Mom called me about it. A “family friend” had seen the photo and was furious about it. She’d apparently complained to several people that if I was at a theme park, I was obviously well enough to be working and was pulling some sort of scam. It had gotten back to my mother.

I promptly unfriended and blocked the person, but their actions stayed with me. For most of the next year or so, whenever I posted a photo of myself doing anything fun, I looked over my shoulder. I always made a point of describing how sick I was and how I’d needed to rest, and how tired I was afterward. I felt the need to qualify what I was doing; to verify that I was still ill, and to remind everyone that there was more to the truth than what was visible in the photo. Someone’s ignorance and unkind judgments had made me feel guilty about enjoying my life to the best of my ability and upset my mom, and that was unconscionable.

It often seems that there’s no real way for chronically ill people to win this battle. Hostile individuals who don’t want to believe that you’re really ill will find fault with anything you do. There’s no way to appease them, regardless of how you live your life.

Some chronically ill people are able to exercise, some are not. Some of us are encouraged to be physically active in some way to help us maintain function (I have a series of physical therapy exercises to do every day to help with some specific orthopedic issues, for instance). Yet, if you’re seen being physically active in any way, it’s taken as a sign that you’re not sick after all. Society likes to applaud those Olympic athletes who fight through their illness or disability to compete. If you fight through your illness or disability to do something physical sometimes, such as a 5K or dance performance, it may be seen as proof that you’re a fraud.

It’s widely accepted that having a strong, supportive network of friends and family is helpful to those who have chronic illness. We’re told that for our own well-being, we should get out of the house once in a while. However, if we dare to go out in public with friends or do something fun occasionally, again, some will believe we’re not sick. And if we spend one afternoon at the movies now and again, it somehow equates to being able to spend 40 hours a week, 50 weeks a year, at work.

If you live alone or don’t have a lot of support, you still have to take care of daily tasks, but something as simple as buying your own groceries might actually be seen as proof you’re able-bodied.
If you are too exhausted or hurting too much to shower, do your hair or dress up you’ve let yourself go; if you go out with makeup and styled hair, well, you’re obviously not sick because you don’t look sick.

If you post photos on social media where you’re looking well people will think you’re not ill; if you post photos of yourself undergoing treatment, you’ll be accused of being an attention seeker.

If you tell someone about the progressive course of your illness, you’re faking it because your Aunt Edna’s son’s niece had the same condition and she’s fine now.

Social media photos and observations of chronically ill people smiling and looking “normal” or doing errands have even been used to deny or remove disability benefits, which is quite possibly the most troubling thing of all. It’s hard to understand that disability determination specialists, doctors and government benefits administrators — people who supposedly are knowledgeable about a wide range of health conditions — don’t accept the concepts of good days, payback and invisible illnesses that do not always have linear trajectories.

Nobody ever seems to consider what’s happening outside and around that Facebook photo they’re snarking about. The fact that it might have been the first time in weeks that chronically ill patient got to do something really fun eludes them. They don’t realize how much those activities cost in terms of pain, fatigue and reduced function. They look at one photo or one Facebook status about one day and think they’re an expert on your life.

I’m not sure what these people think we’re supposed to do every day. We have incurable chronic illnesses. We often spend most of our time either at home or in treatment as it is. We’re often exhausted and in a lot of pain. If we’re not able to work full time, are we supposed to forgo any and all moments of joy, distraction, social interaction or enjoyment? Will that help us in any way? Being sick is extremely hard for many of us. It’s even harder when hurtful, judgmental types decide that illness should invalidate the fact that we have the same needs as anyone else. Instead of telling chronically ill individuals to shake off comments and accusations, maybe the onus should be on these hecklers to refrain from making them and mind their business. Is it really that hard to leave other people alone?

Eleanor Roosevelt once said: “Do what you feel in your heart to be right — for you’ll be criticized anyway.” I’ve taken those words to heart when it comes to interacting with others about my chronic illness. I am no longer particularly nice when I’m confronted by impromptu judges. Every once in a while someone honestly doesn’t understand, and politely and succinctly explaining a few things helps them. More often, though, they’ve already come to their own conclusions and nothing I say is going to put a dent in their hostility. I won’t waste my time trying to justify myself to random strangers and mean-spirited acquaintances who have appointed themselves judge and jury of my life.

I can’t stop others from thinking whatever they want about me. However, I can and do refuse to comply when someone demands apologies, guilt or justifications from me for getting out of the house once in a while. Anyone who decides that chronic illness somehow invalidates my needs as a person — including my needs for happiness and socialization — isn’t getting an iota of my concern.




Louise’s Story

It was a warm spring day in April when Louise celebrated her 79th birthday at home, surrounded by her four children, their spouses, and nine grandchildren. She raised her children there in the home she shared with her husband for 48 years, until his death. It was there that Louise brought everyone together to entertain, to share food and wine and companionship. The home, like Louise, was at the center of her family and it was there with her family that she was happiest. And on that day they all shared joy and love, and celebrated a life well lived. Six weeks later Louise was gone.

For Monica, Louise’s eldest child, the pain is still fresh. When she talks about her mother you can hear the combination of love and loss in her voice. She never gave up hope that her mother would beat the cancer that eventually took her – after all Louise beat cancer twice before. Despite the loss Monica is still grateful that her mother’s last days were at home, surrounded by loved ones. She credits this to Louise’s use of medical cannabis.

“She wasn’t on it for that long,” says Monica, “but the time she was on it did wonders.”.........

Source/more:  https://www.cannimed.ca/blogs/blog/louises-story?utm_source=customerservice&utm_medium=email&utm_campaign=2-9-16_Louise

Bill to establish welfare rates based on cost of living introduced


“Over nine hundred thousand people in this province rely on Ontario Works or ODSP, but more than half of these families do not have enough to eat,” Miller said. “Children are going to school hungry. It has become impossible for the poorest people in this province to make ends meet.”

Sourc/more:


Kelly & Theresa – Overcoming the Street Drug Stigma

For many people medical cannabis isn’t the first thing that they consider as treatment, in fact it’s usually one of the last alternatives to conventional medicine. The stigma attached to cannabis as street drug is changing, but slowly. Sometimes it is the people who care the most about us that are the ones that might resist using medical cannabis as a treatment option, because they aren’t aware of the medical properties of this remarkable plant. They resist because they care. Such is the story of Kelly and Theresa.

When Kelly Oliphant discovered he had prostate cancer in September of 2012 he knew it was going to change his life, but he didn’t know how much. In the previous year his wife Theresa had gone through her second bout of cancer, so he had some idea of what to expect. What he didn’t expect, or plan for, was constant debilitating pain.

In December of the same year Kelly had his cancerous prostate removed, and shortly thereafter began a series of radiation treatments. About a third of the way through the 33 treatments Kelly began to experience discomfort that quickly grew to constant, extreme pain. The overly aggressive treatments had essentially destroyed the nerve endings in a belt stretching from hip to hip across Kelly’s stomach.

“It’s like having a sunburn on the inside, and it probably won’t ever go away.” Kelly says. “The only time it doesn’t hurt is when I’m lying down.”..........

Source/more: https://www.cannimed.ca/blogs/blog/kelly-theresa/?utm_source=customerservice&utm_medium=email&utm_campaign=21-6-16_Kelly-Theresa

Backlog of applications for veterans benefits still greater than 11,500


Veterans Affairs benefits logjam 'makes my argument' for reform, says military ombudsman

"I think it's patently cruel to force veterans to have to prove over and over again to Veterans Affairs medical doctors something they have proven to Canadian Forces medical doctors," he said.

Source/more:



Christina’s Story – Breaking Free from the Cycle of Pain

Pain. It can break the strongest of us. Sometimes it is sudden and sharp, cracking like thunder, sending bolts of electric agony through us. Other times it might roll in like a fog, slowly enveloping and separating us from the world until it is our new normal. Pain can suck the joy out of life, if you let it. Christina Evans knows all-too-well about pain, but she chose to do something about it and changed her life for the better.

Christina’s story begins in 2006 when she started to experience neck pain on a regular basis. Usually the discomfort would last about a week, and then life would return to normal. Over the course of the next three years it began happening more often, and soon things began to get worse. Her limbs alternated between numbness and pain, she endured two pregnancies made difficult by her mysterious condition, and was forced to wear wrist braces just to do simple tasks. Then one day she woke to find the entire left side of her body numb, and what wasn’t numb was radiating with intense pain. An emergency MRI was ordered and Christina finally discovered the cause of all her pain: syringomyelia.

Syringomyelia is a very rare disease in which a cyst forms within your spinal cord. As the cyst grows over time it compresses and damages the spinal cord, causing pain, weakness, numbness, migraines, bowel control issues, difficultly with speaking and swallowing, paralysis and more. Some cases of syringomyelia are treatable, usually with surgery, but not Christina’s.

Without a cure, with the cyst growing and her pain increasing, Christina struggled to live a normal life. She couldn’t work, could barely parent and was considering going on disability. She lived in constant pain and a drug-induced haze........

Source/more: https://www.cannimed.ca/blogs/blog/117520965-christina-s-story-breaking-free-from-the-cycle-of-pain

Families feel betrayed by insurance companies after flood


Like hundreds of other households trying to pick up the pieces after Thrusday’s flood, Furlan felt his insurance company was leaving him high and dry.

“They told me I get $5,000,” he explained, calling it a rip off. “That isn’t going to cover anything. It was $10,000 before and now, suddenly, they say Tecumseh gets too many floods.”

Source/more:



Monday, December 19, 2016

Five more sexual assault charges laid against Hamilton doctor


Police have laid five additional charges of sexual assault against a Hamilton doctor.

Dr. Pierre Picard, 48, now faces a total of seven sexual assault charges after more victims have come forward.

In August, a woman reported to police that she was sexually assaulted by her doctor in June. During the investigation, a second woman came forward and said she was assaulted by the same doctor in July.

On November 30, Picard was arrested and charged with two counts of sexual assault.

After a media release about Picard’s arrest was sent out on December 1, three more victims came forward and reported being sexually assaulted by Picard between 2015 and 2016.

Picard was arrested on December 14 and charged with five more counts of sexual assault. He has been released on a promise to appear in court.

Hamilton police believe there may be more victims that had contact with Picard and are asking anyone with further information to contact Detective Doug Jonovich of the Sexual Assault Unit at (905) 540-4614.



Marijuana Is An Old Remedy That Gives New Relief

....
As marijuana marches towards legalization in Canada, researchers are digging ever deeper into its potential therapeutic benefits. For people suffering from epilepsy it could mean reaching back to the wisdom of the ancients to deliver a modern form of relief.

For thousands of years, cannabis has been known to have anticonvulsant properties. It was used in both ancient China and India, and then much later during Victorian times in Europe.

In the 20th Century, researchers started to narrow down the source of the benefits, extracting a chemical from marijuana called cannabidiol (CBD), which unlike THC will not make you high, but which has shown promise in reducing seizures....

Source:/more: http://www.huffingtonpost.ca/sean-mallen/medical-marijuana_b_13656686.html

Sunday, December 18, 2016

Experts should not bow to pressure of 'deep pockets'


A recent Ontario Superior Court of Justice decision that highlighted questions around bias of medical experts illustrates the duty of experts to serve the court rather than plaintiffs or insurance companies, says Toronto personal injury lawyer Simmy Yu.

Sourc/more:

Pierre Poilievre spoke about Poverty in the House

Here's what Pierre Poilievre had to say in the House of Commons.

Mr. Speaker, what will the new carbon tax do to the gap between rich and
poor? From whom will the money come, and to whom will it go?

The carbon tax will apply to heat, gas, and groceries. Poor households spend
a third more of their income on those items than do rich households, so the
tax will make those with the least pay proportionally the most.

To whom will it go? The Prime Minister said it will fund provincial green
energy programs. In Ontario, millionaire green energy insiders overcharged
hydro customers by $37 billion, forcing many to the food bank. Never has a
program taken from so many to give so much to so few.

Elsewhere, the CBC reported, “The Ontario government gave taxpayer-funded
rebates to five millionaires to buy one of the most expensive cars ever
manufactured, the Porsche 918 Spyder.” No surprise. Big government always
benefits the well-lawyered, the well-lobbied for, and the well-off.

The best way to fight poverty is for the government to stop fighting the
poor.

Source: October 7th, 11:10 a.m. Poverty
http://openparliament.ca/debates/2016/10/7/pierre-poilievre-1/
 
 
 

Ontario auto insurance rates rising despite Liberal promise


TORONTO - Auto insurance rates are rising in Ontario, moving the Liberal government even further away from a self-imposed target of an average 15% reduction.

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This is deplorable. The Liberal government continues to allow insurance companies to exploit Ontario drivers





Jagmeet Singh (NDP) has put this page up http://www.fairratesontario.com/

Thank you for signing up with Team Singh in the fight for fair auto insurance rates in Ontario. My promise to you is simple: I'll never stop speaking out on the issues that matter. 
The reality is that the Ontario Liberal government has the power and the ability to reduce auto insurance rates across the board, and promised to reduce
rates for drivers over two years ago. I refuse to let them back down on their promise. 
I'll keep you informed on our progress and future initiatives in this battle, and feel free to reach out and share your story or concerns.
Thank's for the support!
Until next time,
Jagmeet.

Source/more:

Thursday, December 15, 2016

This is a Xmas Wish that We hope everyone will RETWEET


Being delayed the help you need..is a crime! 

Wish list 4 Santa. Suffer financially everyday waiting for insurance approvals. We are here 4 U.



























Sources: https://t.co/j86f6glLeW



Report finds ‘significant’ gaps in Ontario healthcare

Like nearly two thirds of Ontarians, the 27-year-old doesn’t have public health insurance for prescription medication and so is paying out-of-pocket. As a mental health advocate, she says it is not uncommon for those with complex health issues to be spending hundreds of dollars a month on their prescriptions, or for them to go off meds they can’t afford.

Source/more: https://www.thestar.com/news/gta/2016/10/13/report-finds-significant-gaps-in-ontario-healthcare.html



Access denied: legit disability claims lost in shuffle


People with legitimate disabilities are being denied long-term benefits because the system of filing and internally appealing insurance claims is convoluted and complex, says Toronto personal injury and medical malpractice lawyer Paul Cahill.

Source/more:


Wednesday, December 14, 2016

So we ask - why is the Ontario government gifting auto insurers with our healthcare dollars?


For 11 years the Ontario government has known that the taxpayers are paying too much for the healthcare of MVA victims post accident. The Auditor General has told them so in more than one report. The Minister of Finance recently put out the HSPRN report that acknowledges that the actual cost to OHIP was $383 million in 2013/14. This is a shortfall of $241 million in just one year. The loss to the taxpayer, who is paying while insurers aren't, is well over $1 billion in just the last 5 years alone.



I’ve come to the conclusion that the question is no longer, “What’s wrong with ICBC?”

The question is, “Is there anything right?”

I wrote two previous columns on ICBC’s financial woes — one on a seniors discount that costs an estimated $100 million annually, another on the climbing cost of litigation. Those were but two contributors to the corporation’s financial woes. There are many strands that one can pull to explain ICBC’s unravelling.
Readers responded. Some, no surprise, were civilians complaining about what they felt was ICBC’s unfair tactics. But several were from insiders to the process — lawyers, doctors and claim adjusters. They identified a problem affecting ICBC’s bottom line the public never hears about.
It was the high cost of medical reports.

Wrote one senior ICBC injury adjuster, whose job is to settle lawyer-represented claims:

“Lawyers routinely hire experts (doctors) to produce reports to support how badly injured the individual is/was from the accident. It is quite common to have two to five different experts report on a single file. These experts charge between $4,000-$6,000 to examine the patient and write a report. ICBC will have to hire their own experts, typically one to two per file for the same costs as above.

“We often settle a claim, for example, between $50,000 to $100,000 and then pay on top of that between $30,000 and $40,000 for costs and disbursements. So not only are the lawyers making tidy sums, but the medical experts make a fair chunk off the litigation process as well.”.....

........There is a large number of medical professionals in B.C. that are making well in excess of $1 million per year from writing medical reports now.......

Source/more: http://vancouversun.com/opinion/columnists/pete-mcmartin-medical-reports-make-up-major-chunk-of-icbc-expenditure-insiders-reveal?utm_medium=Social&utm_campaign=Echobox&utm_source=Twitter&utm_term=Autofeed#link_time=1481157840


Assessors Medical opinion evidence, libel and public interest case

The latest stories in the media:
https://www.thestar.com/news/gta/2016/12/08/md-who-wrote-misleading-insurance-report-under-investigation.html
http://news.nationalpost.com/news/ontario-doctor-misrepresented-views-on-catastrophic-injuries-to-benefit-insurer-judge-rules

 

Ontario Health-care System overburdened,underfunded,mismanaged

Ontario Doctors Like Me Won't Play Along With Patients First Act...

...This health-care system is so overburdened, underfunded and mismanaged that it no longer provides patients with reliable, timely or even universal access to care....

Source/more: http://www.huffingtonpost.ca/nadia-alam/ontarios-doctors-walk-awa_b_13521602.html 

 

Regulation changes deny accident victim adequate benefits, family says



That injury classification — the criteria for which changed the same day of Adam Bari's accident — means he is eligible for only a fraction of the compensation they feel will be needed to finance his recovery.


Source/more:


If He Crashed 12 Hours Earlier, He Wouldn't Face Bankruptcy

They say timing is everything. That seems to be distinctly, horribly true in the case of Adam Bari. The 34-year-old Canadian man was riding his motorcycle June 1 when he was T-boned by a car, CBC reports. Bari's family is now facing the possibility of bankruptcy, but that wouldn't be if the crash had happened just 12 hours earlier.








Doctors worry about patient privacy as they speculate on government plans for eHealth


The province’s doctors are expressing “grave concerns” about the Liberal government’s plans for eHealth Ontario.

In the wake of Health Minister Eric Hoskins’ decision to ask Premier Kathleen Wynne’s privatization guru, Ed Clark, to appraise the monetary value of the electronic health records agency, the Ontario Medical Association is sounding the alarm over patient privacy.

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Doctors worry about patient privacy as they speculate on government plans for eHealth

https://www.thestar.com/news/queenspark/2016/10/13/doctors-worry-about-patient-privacy-as-they-speculate-on-government-plans-for-ehealth.html




CEO of nurses' association denounces LHSC for sending letter about public meeting it's hosting Friday


“(This) is a blatant attempt to intimidate (the Registered Nurses’ Association of Ontario) into staying silent on matters of interest to our members and the public. We recognize it as a bullying tactic and we will not be influenced by it in any way, shape or form,” Doris Grinspun, chief executive of the nurses’ association, wrote Thursday to Murray Glendining, chief executive of London Health Sciences Centre, and hospital board chair Tom Gergely. The Free Press obtained the letter.

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Dear Doctors, Here's Why It's Unhelpful When You Call My Pain 'Discomfort'


You know how doctors always use the word “discomfort” to describe our pain? Instead of recognizing that we are in agony, instead of calling our pain what it is… pain… they often downplay the language they use to describe the severity of what we are feeling.

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Most Ontarians say justice system ‘broken’: survey


The Action Group on Access to Justice (TAG) asked Ontarians to describe the centuries-old system in a recent survey. In a poll of 1,500 adults by Abacus Data Inc. in August, the verdict the advocacy body received was damning: 78 per cent called Ontario’s justice system “old-fashioned,” 71 per cent said it was “intimidating.” “Confusing,” “inefficient” and “broken” was how more than 60 per cent of respondents described it.

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Chronic Pain Can Cause Long-Lasting Damage To Your Brain


Chronic pain can damage and change your brain. If you live with chronic pain, you will know how devastating and wide-ranging the effects can be on your mental processing speed, your mood, and your memory.

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Broker Negligence Claims: Are You Adequately Covered?


Is your insurance broker adequately inquiring about your insurance needs? With the substantial decline of available medical, rehabilitation and attendant care benefits from $2 million to $1 million for catastrophically injured individuals, this is a question that will be asked more often in the realm of motor vehicle insurance. The recent cutbacks to the accident benefits regime in Ontario are expected to have profound effects on those seriously injured in accidents.

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Signs and Symptoms of Myofascial Pain


The condition of myofascial pain syndrome is considered a chronic pain disorder. In this condition, pressure on trigger - or sensitive - points on your body result in pain in areas of your body that seem to be unrelated. This is known as referred pain.

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Ombudsman asked to probe WSIB treatment of mentally ill


Mentally ill workers are being systematically denied benefits because of discriminatory and unconstitutional practices at the province’s Workplace Safety and Insurance Board, according to a new complaint sent to Ontario’s government watchdog.

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Headaches After Traumatic Brain Injury


Headache is one of the most common symptoms after traumatic brain injury (often called post-traumatic headache). Over 30% of people report having headaches which continue long after injury.

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Canadian Food Bank Use Is On the Rise: Report


OTTAWA — More Canadians are relying on food banks to feed themselves, a report released Tuesday suggests.

The report by Food Banks Canada says last March some 863,492 people turned to a food bank, a 1.3 per cent increase over March 2015 and a 28 per cent rise over 2008.

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Tuesday, December 13, 2016

Insurers must provide a Reason if they request an Examination Under Oath


In Aviva Insurance Company of Canada v. Frank McKeown (2016), Aviva brought an application to determine whether an insurer is obligated to state their reason for an examination under oath (EUO) in order to compel a person claiming statutory accident benefits (SABS) to attend an EUO, if requested by their insurer, pursuant to subsection 33 (2) of the SABS. Aviva was seeking a legal order to compel the named respondents to attend their respective EUOs.



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Insurance company offers girl $8 for mileage to hospital instead of $50K for eye injury

One of Canada's largest insurance companies has done an about face and offered payment to the mother of a girl who lost eyesight after a serious soccer accident.


Nancy Desrosiers was featured in a CBC Go Public story yesterday, after Industrial Alliance insurance refused to honour an accident insurance policy that would have awarded a $50,000 payout.

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Lawyer says accident insurance almost ‘never pays’


By Erica Johnson, CBC News Posted: Nov 07, 2016 2:00 AM PT Last Updated: Nov 07, 2016 1:09 PM PT

Insurance industry uses Trump tactics to pump up fraud

If juries have become cynical it is because the insurance industry spends inordinate amounts of money, and uses Trump tactics, to launch ad campaigns to tell the public about so-called rampant insurance fraud.

The public has come to believe that nearly everyone is fraudulent without hearing the perspective of accident victims

Most injured parties have to take on their insurer via a legal battle to receive the income replacement and rehab benefits they require and are obliged to sign "privacy" or confidentiality agreements so they can't divulge the settlement or how they were treated at mediation or in an examination for discovery.

Source/more: http://deniedbenefitclaims.com/blog.html








Justice system verges on crisis as judicial shortages cause delays: TLA

The Toronto Lawyers Association (TLA) says a crisis in the justice system is looming because of an "unprecedented" number of judicial shortages and is urging Federal Minister of Justice Jody Wilson-Raybould to take “immediate action."

Source/more:

http://www.advocatedaily.com/none-justice-system-verges-on-crisis-as-judicial-shortages-cause-delays-tla.html






Drug company billionaire pulls out of Liberal cash-for-access fundraiser


The billionaire chairman of pharmaceutical giant Apotex has pulled out of an elite “cash for access” fundraiser at which Finance Minister Bill Morneau is the star attraction – two days after the Liberal Party sent a letter to cabinet announcing it plans to ban business executives or others from attending fundraisers if they are lobbying the government.

Source/more:

http://www.theglobeandmail.com/news/politics/chairman-of-canadian-drug-maker-apotex-pulls-out-of-cash-for-access-fundraiser/article32694874/?cmpid=PM1116



Monday, December 12, 2016

Scrutiny of opioid prescriptions bad news for patients in pain, doctor warns

Dr. Ellen Thompson says a rising number of misconduct investigations by the College of Physician and Surgeons of Ontario into doctors who may be over-prescribing opioid medications such as morphine, oxycodone and fentanyl will discourage doctors from prescribing the painkillers even in cases where they are beneficial.

Source/more:

http://ottawacitizen.com/storyline/scrutiny-of-opioid-prescriptions-bad-news-for-patients-in-pain-doctor-warns