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Why Should Home Buyers Get a Home Inspection?

home inspection check box

Right now the Toronto and GTA real estate markets are hot, and the effect that this has on the atmosphere for buyers is apparent. Often buyers are unavoidably participating in bidding wars against many other buyers for one property, and houses are selling for over the asking price with no conditions. Unfortunately, this type of a market creates a risky environment for prospective buyers, since they begin to curtail their rights and remedies in a real estate transaction in order to put forward a more appealing offer to the seller and hope to clinch the deal over the competition. Often times one...

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5 Things You Need To Know About Employee Disability Benefits Plans

Employee Benefits Booklet

In our practice, one of the early questions we ask of our personal injury clients is whether they are covered by an employee benefit plan at work, specifically, one that includes disability insurance. It is surprising how many people do not even know if they have this coverage. 1)    If you have employment benefits, you should be provided with an information package explaining your benefits to you While employers are not legally obligated to provide such plans, many businesses do have them, and if they decide to have one, they are required to ensure that their employees have been given information about...

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Understanding CPP Disability

Benefits Button on Keyboard

As an employee in the Canadian job market, every time your employer cuts you a pay cheque, certain deductions contribute towards the Canadian Pension Plan. The contributions made to this plan do not just provide a retirement pension. The plan offers a “disability benefit” for those who have not yet reached retirement age, if they suffer a severe and prolonged disability through injury or disease. This protection is called "CPP Disability". It is only available to those who have paid into the plan for the prescribed number of years. Someone who just entered the workforce a couple of years before the injury,...

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Litigation Financing

Litigation Financing

If you are involved in a lawsuit, or are contemplating pursuing a case, you may have come across advertisements for "litigation financing" or "litigation loans". What are they? This is a relatively new phenomena. There are a number of companies - some in Canada, others in the U.S. that may be willing to advance money to a person who has a lawsuit pending in court. This can be very enticing to people such as plaintiffs in personal injury cases who are struggling financially while they wait for their case to work through the system. A lot of these companies offer "non-recourse" loans,...

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Five Things a Jury Member Must Know for a Car Accident Trial

Jury Seats in Courtroom

Contrary to what you may have seen on your favourite legal drama series on TV, in a civil lawsuit in Ontario, including personal injury suits, lawyers and their clients will know very little about the jurors who decide their case.  They will know the juror’s name, occupation and will see what they look like in court when the juror’s name is called. Lawyers don’t get to question selected jurors, and only get to challenge up to 4 jurors, after which, whoever is left will be the ones to decide the case. Unfortunately, as a member of the Jury, there are...

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