Uncategorized

How to Stay Safe when Participating in Winter Sports

Participating in winter sports can be an exhilarating experience, however, those who do not take extra precautions to learn how to stay safe when doing so are at risk of turning a fun experience into a potentially fatal one.

Fortunately, Parachute Canada has shared some top winter sport-related safety tips:

Ice Skating

“Skates should give firm ankle support and fit snugly. For youngsters whose feet are growing, softer boots are better than hard, unyielding ones.

All skaters should wear CSA-approved helmets when skating because they are tested for falls on ice. Replace helmets every five years.

Check that skate blades aren’t dull or rusted.

Teach children to skate only in places you know are safe. Check that the ice surface is in good shape without bumps, water or slush. Check for skating hazards such as pebbles, rocks and branches.

Teach children to skate with friends – never alone – and always in safe areas, away from traffic and free of obstacles.

Ice hockey

Hockey players should wear a CSA-approved hockey helmet with a compatible full-face mask. This is mandatory in organized hockey.

Helmets should be replaced every five years. They are designed to withstand falls on ice and the multiple impacts expected during hockey play, but they have this recommended limit.

Other recommended protective gear includes gloves, shoulder pads, elbow pads, shin pads, mouth guards and for boys, an athletic support.

Ensure all protective equipment is in good condition and fits properly.

Inspect helmets regularly. Do not use a helmet with a cracked or severely scratched shell or worn liner.

Never alter a helmet. It may affect its ability to prevent injury.

Stretching and warm-ups prior to each practice and game, as well as a cool-down routine, can help to prevent injuries.

Teach children to skate heads-up when approaching the boards to prevent neck injuries.

Take head injuries seriously. To prevent brain damage, organized amateur hockey in Canada requires that any player get a physician’s permission to return to play after suffering a concussion.

Downhill skiing

Beginners should take lessons from a certified instructor.

A ski helmet is recommended for children to prevent head injury. (Helmets are also recommended for racers and high-risk environments such as back-country skiing). In 2014 the CSA released a new standard for a multi-impact ski and snowboard helmet.

Skiers should follow the buddy system. Never ski alone.

Always check your child’s ski equipment to make sure it is in good condition and fits properly. Bindings should be checked at least once a year by a qualified technician or ski shop. Bindings, boots and skis which do not fit properly or are not properly adjusted are significant risk factors for young skiers.

Do warm-up exercises and stretches before each day’s skiing.

Skiers need to stay on marked trails and follow other rules of the slopes.

Skiers should choose runs or trails that best suit their ability. Before they start out, skiers should understand the signs used to indicate the level of difficulty.

Skiers should stay alert to hazards (such as rocks, trees, and ice patches) and changes in weather and visibility.

Skiers should dress against frostbite, be sure boots are not too tight, and wear sunglasses or goggles with UV protection to guard against the sun’s reflection off the snow. They should also wear sunscreen to protect against sunburns.

Skiers should quit before they get tired and before it gets dark. Fatigue and poor visibility both lead to injuries.

Snowboarding

Snowboarding requires its own set of skills. Beginners should take lessons from a certified snowboard instructor. In 2014 the CSA released a new standard for a multi-impact ski and snowboard helmet.

Snowboarders should follow all the safety tips for downhill skiers.

Helmets are widely recommended for snowboarding.

Snowboarders should dress against frostbite and wear sunglasses or goggles with UV protection to guard against the sun’s reflection off the snow. They should also wear sunscreen to protect against sunburns.

Snowboarders should only use boards with full-length steel edges and stiff secure bindings. The board leash should be securely attached. Children should use short boards (no more than chest high).

Snowboarders should quit before they get tired or it gets too dark. Fatigue and poor visibility can both lead to injuries.

Snowboarders should be aware that high speeds and aerial maneuvers carry a high risk of injury.

Snowboarders should keep inside designated areas and follow other rules of the slopes.”

By adhering to these tried and tested safety rules, you can ensure you will have a wonderful time participating in winter sports this year.

If you have been injured, and need legal assistance, call Dye & Russell Personal Injury Lawyers at 1-877-883-6171. We will offer you a free claim assessment.

February 23, 2023 General surgery, Liability Claims, Safety, Uncategorized

Hit and Run Accidents – What You Need To Know

Hit and run accidents are a particularly unconscious act on the part of the driver who caused the collision. The urge to flee the scene may be caused by a variety of reasons; however, it is never the courageous or decent move to make.

According to dmv.org, if you’ve been the victim of a hit and run accident, here is the information you need to know:

“What Is a Hit and Run Accident?

A hit and run accident is any accident in which a driver intentionally leaves the scene without providing contact information.

Examples of hit and run accidents include:

A car hits you and speeds off.
A driver hits your unattended parked car and leaves no contact information or way of collecting damages.

What to Do After a Hit and Run Accident

While you’ll likely be feeling immense stress if you are a victim of a hit and run, it will help to stay as calm as possible and gather as much information as you can.

Having more information:

Increases the chances that the police will catch the driver who hit you.
Helps your car insurance company make decisions about your claim.

First, get as much information as you can about the car that hit you, such as:

Model.
Make.
License plate number.

Also, look around for any possible witnesses to the accident, and ask for their names and contact information.

Finally, take the following steps before leaving the scene:

Write down the time and location of the accident.
Take pictures of the accident scene.
Take pictures of your car, especially if another car’s paint is visible on it.
This will help you prove that you are not attempting to defraud your insurance company.

If the hit and run occurred when you were away from your parked car, jot down as much information as you can, such as:

Time.
Location.
Damage. ”

Following the aforementioned steps will ensure that your claim is taken seriously should you go to the police.

If you have been injured, and need legal assistance, call Dye & Russell at 1-877-883-6171. We will offer you a free claim assessment.

January 15, 2023 Driving, Road Safety, Safety, Spinal Cord Injuries, Uncategorized

Preventing Slips and Falls at Work

While slips and falls can be a pretty common occurrence they can be much more dangerous than you think. When we were children tumbling and springing right back up was a regular occurrence but as we get older slips and falls can pose a serious danger to our health and well-being.

According to Statistics Canada falls are a leading cause of injury in Canada. They go on to say “About 63% of seniors and one-half of adolescents were injured in falls, as were 35% of working-age adults.”

Among working-age adults, the most common location of injury is the workplace.

Everyone should feel safe in their workplace, and employers should try to help employees feel safe. Keeping health and safety as a main priority at work is crucial for everyone to keep coming back to work healthy and safe.

Not to mention, maintaining a safe work environment not only protects employees but it helps protect employers and any customers that may be on company property. To make your business a safe place the Canadian Safety Council has created tips to help you prevent slips and falls at your place of work.

Safe floors

Treating the floors at your workplace with a non-slip treatment can help create a safer walking surface for employers, employees and customers alike. Floors that you should consider applying a non-slip treatment to are surfaces that can naturally become very slippery like tiles or polished untreated concrete. Also, if your workplace has high-traffic areas where people are travelling from indoors to outdoors there is great potential in those areas for falls. The tracking in of water from snowy boots or muddy/wet shoes can make for slippery high-traffic areas.

Busy kitchens or other high-traffic areas where employees work with oils can lead to a settling and collection of oils on the floor. A non-slip treatment to act against falls in both slippery high-traffic areas and places where oils can potentially settle on the ground would be a great help. But it doesn’t end there. It’s vital that floors be cleaned regularly and that clutter is removed in order to prevent slip and fall injuries.

Safe shoes

While it’s likely you can’t really control the shoes worn by customers on your property, you can control what you and your employees wear on your feet. What shoes you wear can make all the difference in preventing a slip and fall accident.

If special shoes are required for the job that is done in your workplace, consult the supplier you order your shoes from to determine the best shoes for the floor surfaces you work on. Encourage employers, employees and customers to wear shoes that will grip well on the floors in your workplace.

Shoes that often lead to slip and falls are heels, cleats and smooth-soled shoes.

The Government of Ontario also suggests the below administrative controls to help reduce the likelihood and frequency of slip, trip and fall accidents.

“provide wet floor signage
train workers to prevent slips, trips and falls
establish safe work practices
communicate a procedure for reporting hazards
ensure prompt maintenance
design jobs to minimize tasks requiring excessive pushing/pulling, line-of-sight obstruction and over-reaching
ensure shovels, mops and buckets are readily available
correct poor work practices
conduct joint health and safety committee monthly inspections
review slip, trip and fall incidents”

While you can take precautions to be safe in the workplace sometimes a slip and fall can still occur and leave you seriously injured. If you have been injured, and need legal assistance, give Dye & Russell a call. We will offer you a free claim assessment.

December 15, 2022 Liability Claims, Safety, Spinal Cord Injuries, Uncategorized

11 Ways to Manage Your Chronic Pain

If there is one thing that makes day-to-day activities or tasks more difficult, it is chronic pain. That constant throbbing in your neck, sharp pains in your back or aching in your knees. So many people spend countless hours trying to relieve their pain or symptoms with no satisfaction. Common ailments linked to chronic pain can include injuries received in a motor vehicle accident, slip, trip or fall incidents or more severely as a result of a catastrophic or traumatic accident.

To give you a hand and to help bring you some relief, we are sharing WebMD’s list of 11 tips for living with chronic pain. Some of these you might be more familiar with, and some may be new, but everything is worth a try once.

Relax using Deep Breathing or Meditation Practices

When we are stressed, our muscles can become tense and tight. Practicing deep breathing or forms of meditation can reduce these symptoms and help you relax. Having a gentle massage or taking time to focus on clearing your mind are other ways to combat tension.

De-Stress

Did you know that feelings of depression, anxiety, and anger can increase the intensity of chronic pain? Learning to manage these types of emotions has been said to provide some relief. There are several ways that you can de-stress. For example, listening to calming music can uplift your mood or writing out your emotions in a journal.

Exercise

This is a popular way to deal with injuries. When you exercise your body naturally releases endorphins which help improve your mood. Exercise, in general, is good for your health, it keeps your blood pressure regular, and cholesterol levels normal and decreases risks for heart diseases. It also strengthens your muscles which, when strong, limit the chance of reinjuring yourself and reduces chronic pain symptoms.

Limit Alcohol Intake

When you deal with chronic pain, getting a night of proper restful sleep is next to impossible. Having a drink to take the edge off may seem like a good idea. However, unlike popular belief, alcohol can make sleep problems worse. Limiting how much you drink alcohol can help improve your quality of sleep.

Connect With Others

It is natural to associate with people who have similar traits to you or interests. Going to group meetings with others who have been in serious motor vehicle accidents or are now suffering from the side effects of others’ negligence keeps you from feeling alone. Connecting with people who are also suffering from the same or similar chronic injury or disease can evoke the same feelings of belonging. Others may also offer symptom relief methods or practices that you may not have tried.

Do Not Smoke

Reduced circulation levels are a known side effect of smoking. This can intensify any circulation conditions and further increase the risk of heart disease and cancer.

Track Pain Levels

Keeping your doctor informed about how you are feeling helps them provide the proper care. Between visits, track how you are feeling in a journal. Using a scale of 1 – 10 and listing out activities or things done that day can help pinpoint what triggers higher pain levels. Sharing this with your doctor can help in the management of chronic pain. This can also be useful if you have suffered an injury at work, such as a slip and fall, and need detailed documentation for medical appointments.

Try Biofeedback Therapy

This method of therapy is new to us. Biofeedback claims to allow you to control various body functions. Using sensors, you can “hear” or “see” different body functions. It is displayed on monitors as squiggly lines that you eventually learn to control these functions using your biological system.

Get a Massage

Quite possibly the most widely used form of stress and chronic pain relief. Massages alleviate the tension in your muscles and allow for complete relaxation. Those who suffer from back and or neck pain as a result of a slip and fall or motor vehicle accident find this method of relief a fantastic way to manage their symptoms.

Eat a well-balanced diet

Believe it or not, what you eat plays a part in how you feel. Eating a well-balanced diet keeps your digestive system running well, reduces the risk of heart disease and keeps your weight under control.

Get Distracted!

Get out and get your mind off things. Sitting around and thinking about your bad knee, cursing the sidewalk for causing you to slip and fall does not make things better, in fact, it does the opposite. Doing something you enjoy will take the focus off your pain and instead keep you preoccupied with the activity at hand.

If you experience chronic pain due to a motor vehicle accident, slip, trip or fall or other traumatic accident and are being treated unfairly, you might need legal assistance. Call Dye & Russell for a free claim assessment.

August 22, 2022 Cardiology, Driving, Liability Claims, Road Safety, Safety, Spinal Cord Injuries, Uncategorized

Park and Playground Safety

Time spent at the park allows children to socialize, get some exercise, and explore and engage with age-appropriate challenges in a supervised environment. Even with an adult supervising the fun, accidents can still happen– bruises, falls, scraped knees and elbows, and other risks and injuries are all possible on the playground. According to the Canadian Public Health Association, “An analysis of playground falls between 1994 and 2003 estimated that each year 2,500 children below 14 years of age were hospitalized for serious injuries. Of this total, 81% had suffered a fracture while 14% were admitted for a head injury…”. Teaching kids about the importance of playing safe and the rules of the playground is critical in avoiding injuries and maintaining fun. Here are some things you can do to ensure your child remains safe.

Remain Alert

Enjoying the carefree energy your child has is important to healthy growth and development, but it can be dampened by an injury that could have been avoided. As a parent or guardian, you are responsible for remaining aware of potential risks such as unsafe climbing or running, arguments on the playground, and any dangers in the environment. If you or your child has experienced an injury obtained at a park or playground you may be eligible for compensation. Contact the professionals at Dye & Russell for your free claim assessment today.

Look For Potential Risks

Even if you keep your eyes on your kids as much as possible, an accident can happen before you have time to react. Preparing before enjoying the many fun activities, like the slide and swings, take a look at the playground park area for any potential risks. The play equipment and play spaces must meet the CSA (Canadian Standards Association) requirements for safety. Shock-absorbing materials such as woodchips, synthetic shredded rubber or sand should be used for a safer and softer area to play in. All equipment should also be free of breakage or sharp and dangerous areas.

Glass, nails, bolts, or bottles are all things that can be left behind by careless people and have the potential to injure your child. Take a thorough look around before playing in the sand or grass in the park and playground area.

Proper Maintenance

If you believe there are safety issues with a playground reach out to your park’s local operator. An unsafe play area can be avoided with proper maintenance– if you or your child has been injured due to negligence, contacting a personal injury lawyer like the ones at Dye & Russell is the right step on the road to recovery.

Review The Rules

Go over the rules of the playground and ensure your child understands the risks that come with playing on any park structures. Make sure they stay or play in age-appropriate areas that are meant for them specifically.

Looking after your child’s safety while they run around and enjoy the excitement of park activities is a hard job, and sometimes an injury can happen. If you or a loved one has been involved in an accident at a park or playground, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources.

Reach us toll-free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

June 15, 2022 Liability Claims, Safety, Uncategorized

How to Stay Safe While Biking This Summer

The weather is getting warmer, and people want to be outside as much as possible. Physical activity is essential for one’s health and should be a part of everyone’s daily routine. Cycling is one of the best forms of exercise, while also reducing your carbon footprint.

To prevent injury and ensure the safety of yourself and others, here is a list of ways to stay safe biking this summer.

Check Your Equipment

Inspecting your bike is vital to ensuring your safety during a ride. Unlike cars, bicycles do not have safety sensors or lights to indicate an issue. Therefore, it is up to you to inspect your bike before taking off. Before your next ride:

Make sure your seat is adjusted to your preferred height and ensure the seat is locked in place.
Check each part of your bike to ensure all parts are secure and functioning correctly.
Check that the tires are adequately inflated.
Ensure your bike is equipped with reflectors on the rear, front, pedals, and spokes.
Consider a horn or bell, rear-view mirror, and bright headlight for added safety.

Be Seen

As a bicyclist, making yourself seen is one of the most important aspects of ensuring your safety on the road. Avoid dark colours and choose neon and bright colours instead so that other pedestrians and drivers can see you coming. Consider the time of day you plan on going for a ride. The safest time to ride is during the day since you are more visible in broad daylight. If you prefer riding at night, wear reflective clothing and use flashlights.

Wear a Helmet

Everyone should wear helmets. Adults and children should prioritize wearing a helmet for their safety on the road, regardless of the length of the ride or where you are riding. Ensure your helmet is appropriate for biking and is a certified safety product. To ensure your helmet meets the necessary safety requirements, consider following these guidelines:

Adjust the side pads or fit ring until the helmet is snug.
Position the helmet level on your head, covering the forehead. Keep the helmet straight, not tipped back or forward.
The helmet should not rock more than 1-inch side to side or front to back on your head when fitted.
Secure the chip strap in the center under your chin.

Follow the Rules of the Road

As with any pedestrian, you are required to follow the rules of the road. Your safety is a priority. Here is a list of things you should be doing while biking on main roads or neighbourhoods:

Ride single file in the direction of traffic.
Remain alert, avoid distractions, keep your head up, and watch for opening car doors and other hazards.
Use hand signals when turning and pay attention at intersections.
Never hitch onto cars.
Always look before you turn.

If you do become injured, and need legal assistance, the team at Dye & Russell are here to ensure you get the help you need. Contact us at 1-877-883-6171 for a FREE claim assessment. Start your recovery journey with Dye & Russell Personal Injury Lawyers today.

May 16, 2022 Uncategorized

Boating Safety Tips: What You Need To Know

The warmer months are here and that means enjoying the sun and summer activities. Boating is incredibly popular with things to do like tubbing, water skiing, fishing, or swimming out in the lake. These are all fun things to de-stress and enjoy this sunny season, but nevertheless, it is crucial to be aware of boat safety rules and regulations. According to the Canadian Red Cross there are over 125+ preventable boating-related fatalities that happen across Canada each year.

If you are your loved ones are planning on enjoying some time on a boat this summer, then here are some ways to prepare for the ride and minimize the risk of injury:

Make a Checklist

It is easy to get caught up in the excitement of getting out on a boat— having a thorough checklist to go over before taking off is a great way to be prepared for any possible emergencies out on the water.

Check the Weather

Take a look at the local weather forecast. The days leading up to your departure is crucial to ensuring you are aware of any possibly changes that could put you in danger. Avoid strong or rough winds, darkening clouds, temperature fluxes, or changes to the waves. Getting caught in a storm can result in serious injury to you or your passengers. If you find yourself in this position our lawyers at Dye & Russell know what to do to get you the compensation you deserve. Do not delay, contact us today if you have sustained injuries or damages on a boat in Ontario.

Develop a Float Plan

Inform a family member or marina staff of your contact information and emergency plan of action. Letting someone know this information along with trip destinations, the warning or help signals to be used, and your boats registration information can be critical in getting you to safety if an emergency occurs. Even the most experienced boaters can sustain injuries or be involved in accidents out on the water. Dye & Russell has the experience to help in your boating accident personal injury case.

Have your tools ready

There are many items that you need to have onboard to ensure everyone is safe while out on the water. Some items and equipment you will need but are not limited to:

Life jackets
First aid kit
Sunscreen
Food and water
Proper identification, licenses, boat documentation
Cellphone and wireless charging bank
Electrical tape
Emergency flashlight
Distress signals
Fire extinguisher
Extra fuel
Emergency paddles
Blankets

Wear A Life Jacket

Did you know the Red Cross reported that less than 50% of Canadians always wear their life jackets when boating? Life jackets are crucial in the prevention of accidental drownings and even help in preventing hypothermia when exposed to cold water conditions for too long.

Besides being a legal requirement, another reason to have life jackets on board is for individuals that may not know how to swim or are generally weak swimmers. In the event of an accident where flooding occurs and your boat begins taking on water, the risk of a slip and fall injury increases. Wearing a life jacket can save a life if someone were to slip and fall into the water or experience a head injury.

Exploring the many great lakes and waters that Canada has to offer is exciting but knowing proper boat safety is key in achieving an accident-free summer. There are many opportunities for injury with all of the different types of activities to enjoy in or on the water, knowing who to contact in the wake of an accident will reduce the stress and anxiety related to your injury.

If you or a loved one has been involved in an accident, contact the professionals at Dye & Russell today for your FREE Claim Assessment and more helpful resources. Reach us toll free at 1-877-883-6171 or visit us online to speak with a live agent. Your road to recovery is important to us.

June 29, 2021 Uncategorized

Working from Home: Ergonomic Principles

Working from home has become and continues to be how many people are working during the COVID-19 pandemic. Some of those are lucky enough to have a proper work from home set up and dedicated office space, but a majority are setting up workstations wherever they fit. Whether it’s the dining room table, a coffee table or your lap, people across the province are having to adjust their home lives to accommodate work arrangements.

While working from home does have its benefits, an improper work set up can take a toll on your body. To help combat the aches and pains which can lead to chronic pain and other associated injuries, being familiar with the ergonomic principles may help reduce the impact of work-related injuries.

If you don’t want to visit the doctor for eventual musculoskeletal disorders, implement the following workstation set up guidelines outlined by Ergo Consulting.

Establish an appropriate work location

Having a dedicated workspace is important. If you’re new to working from home, there are a few things to consider when choosing your work spot. Try finding a spot where the table is between 27-29” high. Tables higher than this run you the risk of neck and shoulder pain or discomfort. Having a space with minimal distractions is also important. If you’re looking after young children while attempting to work at home, consider creating a daily routine for them. During the times you need to be the most productive or have conference calls, schedule quiet time for reading or think about putting a movie or TV show on.

Get the best chair

In a perfect world, everyone would have fully adjustable office chairs. For the majority of people that don’t, choose a chair that provides back support, allows you to sit upright and supports your upper body weight on the backrest. You should be seated so your elbow height is as close to level with your work surface as possible.

Get a footrest

Sit down, look at your legs. Your thighs specifically. You should be seated so your thighs are parallel with the floor and your feet firmly planted on the ground. There is a good possibility if you’re of average height or shorter, that you’ll benefit from a footrest.

Use external hardware

According to the Office Ergonomics Application Standard for Workplace Ergonomics, laptops shouldn’t be used for prolonged computer entry. The exception being a laptop that is hooked up to a docking station or other external devices. Laptops can put additional strain on your neck because the monitor height isn’t high enough. If you must use a laptop it’s recommended that it be raised/elevated, so the screen becomes level with your eye height. This can be achieved by placing the laptop on a stack of books or by using a monitor riser. An external mouse and keyboard are also beneficial and positioned at elbow height on the same surface.

Get moving

Getting up and moving around every 30-60 minutes to stretch or walk around is good for your ergonomic health. It should be done even more frequently the less “ideal” your workstation set up is. Standing around and pacing while you’re on a conference call or creating your own stand up desk by putting your computer on a filing cabinet or counter (for short periods of time) are a couple of ways of getting up, moving around and changing your posture.

Mental Health

Anyone new to working from home can tell you it can be isolating. Especially if you’re someone who enjoys the social atmosphere that an office environment brings. Make a point of calling colleagues for larger issues rather than writing a lengthy email; video conferencing is another popular option. Most importantly, get outside. Give yourself a reason to get dressed and schedule yourself a daily walk around the neighbourhood. The fresh air will do you wonders!

For anyone working from home, make sure you are following the ergonomic principles to reduce potential injury. Neck, back and shoulder pain can start as just that but can quickly become chronic pain. Call an experienced lawyer like the ones at Dye and Russell Personal Injury Lawyers if you or someone you know is experiencing pain due to a poor workstation set up.

July 30, 2020 Uncategorized

Helping Canadians During COVID-19: Disability Tax Credit (DTC)

It’s no surprise that Canadians are facing challenges during this difficult time that is COVID-19. Families may be facing job insecurities or experiencing increases in costs for medications, medical supplies and PSWs (personal support workers).

Earlier this month Prime Minister, Justin Trudeau announced there would be increased financial support to help Canadians with disabilities offset extra expenses during the COVID-19 pandemic. This support will be available to persons who are certificate holders of the Disability Tax Credit as of June 1, 2020.

What is the Disability Tax Credit (DTC)?

The Disability Tax Credit is a non-refundable tax credit for persons with disabilities or their supporting person. The objective of the tax credit is to help reduce the income tax they may be required to pay.

Being eligible for the DTC can also lead to other federal, provincial, or territorial programs.

Who is eligible for the DTC?

To be eligible, the Government of Canada must approve your application (Form T2201, Disability Tax Credit Certificate). The form is completed by a medical practitioner who certifies the person has a severe & prolonged impairment. The effects must also be described.

According to the Government of Canada one of the four requirements must be met to be eligible:

“be blind
be markedly restricted in at least one of the basic activities of daily living
be significantly restricted in two or more or the basic activities of daily living (can include a vision impairment)
need life-sustaining therapy

In addition, the person’s impairment must meet all of the following criteria:

be prolonged, which means the impairment has lasted, or is expected to last for a continuous period of at least 12 months
be present all or substantially all the time (at least 90% of the time)”

What does the additional support look like?

The financial aid being provided is a one-time tax-free payment. Those that are eligible for this one-time payment will receive it automatically.

Canadians with a valid Disability Tax Credit certificate will receive $600
Canadians with a valid Disability Tax Credit certificate & eligible for the Old Age Security (OAS) pension will receive $300
Canadians with a valid Disability Tax Credit certificate, are eligible for the OAS pension & the Guaranteed Income Supplement (GIS) will receive $100

How to apply

Form T2201, Disability Tax Credit Certificate is a two-part form. Part A, to be filled out by the person with the disability and Part B, to be filled out by a medial practitioner. Once the form is received the application is reviewed by the CRA (Canada Revenue Agency). A notice of determination is sent to inform you of the decision made.

If you or someone you know has been denied or cut-off from disability benefits because the appropriate treatment cannot be continued for reasons related to COVID-19, or other causes, it’s important you reach out to our experts at Dye and Russell immediately.

June 25, 2020 Uncategorized

Long-Term Disability & COVID-19

The COVID-19 pandemic has swept uncertainty, frustration and anger across our Country. It has impacted people in all aspects of their lives. There are people that aren’t able to continue working right now and those that are working – in essential services or remotely – are faced with challenges like they’ve never seen.

For a lot of people, the fear of contracting and transmitting the virus and battle with self-isolation/social distancing is enough to lead to severe anxiety, depression, or other types of mental illnesses. Others have similar feelings, but they stem from the fear of returning to work and going into public places or the ability to cope after losing a loved as a result of the virus.

We want to reassure you that you’re not alone. Many clients have reached out with their concerns and we’re here to help.

Mental Health During COVID-19

Balancing home-life and work-life while also trying to manage the additional stress, fear and anxiety brought on by COVID-19 is a lot to handle. A million things are running through your head.

Will I catch Coronavirus? What if it’s serious?

I’m worried about my family members who work in health care.

Will this impact my job? Will I have a job once this is over?

I can’t afford to lose another client. I’m already struggling.

I hope my partner doesn’t lose their job.

Will there be sanitizer or toilet paper at the store this time?

I miss seeing people and being around my family.

If worries like these are keeping you from performing and focusing on work or functioning at work, there are things you can do.

Disability Insurance

Applying for STD or LTD benefits is recommended and encouraged if you think you’re unable to work.

Long-term disability (LTD) coverage is a benefit that is paid out to you if you become disabled from working. Utilizing these benefits is exactly what disability insurance is there for and what you’ve been paying into; don’t hesitate to apply if you need to.

Policies will almost always require that the individual be unable to continue working because of a diagnosed medical condition. The medical condition can be emotional, cognitive, or physical.

No one should suffer from psychological injuries caused by a pandemic. Insurance companies will need to step up and take care of those who have been impacted by COVID-19.

Speak with your Doctor

Your mental health is extremely important in this difficult time. Getting help for anxiety, depression or another mental health concern is not something to be ashamed of. Especially if it’s impacting you, your family, your work or ability to work, or your daily life.

Seeking proper medical treatment for issues that prevent you from working is crucial. Not only will it help your well being, but it also supports your disability claim to the insurer.

Denied Disability Claims

Unfortunately, denied claims are common.

The doctor that is treating you agrees that you shouldn’t be working (or returning to work), but once the insurance company reviews the file, they disagree and say you can work. All without having another doctor assess you or review your file.

Doesn’t make sense, does it? Well, you’re not alone in thinking that. The doctor that is treating you is in the best position to decide whether you can work or not.

Lack of “appropriate treatment” or “insufficient medical evidence” are common reasons for a claim denial. Insurers have even come back to say you don’t “meet the test for total disability”.

If you’re told by your treating doctor that you aren’t in a position to work or return to work, then you likely aren’t and there is a good chance you’re entitled to receive LTD benefits even if your claim has been denied.

Have Questions?

April 24, 2020 Uncategorized