Videos

What to expect when attending a LAT virtual hearing regarding Catastrophic Impairment

Attending a LAT virtual hearing for catastrophic impairment can feel overwhelming, but the right preparation can make all the difference. In this video, Roger Foisey & Associates explain what to expect, including how to prepare for testimony, the role of medical and lay witnesses, what happens during the hearing, and what comes next after testimony.

The Impact of Culture, Language and Background in Catastrophic Impairment Cases

Welcome to the third video of our catastrophic impairment series. In this podcast, Roger R. Foisy, Harpreet Sidhu, Rusald Laloshi, Daniel Berman, and Rutumi Tank from Foisy & Associates discuss how they approach culture and language in their cases.

Understanding Catastrophic vs. Non-Catastrophic Injuries

In this episode, we explain how injuries are classified as catastrophic or non-catastrophic and why that distinction is critical to the benefits and long-term support you may receive.

We cover:

• How injury classification impacts access to care and funding
• What optional benefits can do for your recovery
• Why some claims are reclassified and how that process works
• The importance of having a legal team from the start
• What to do when insurers dispute your catastrophic designation

If you or a loved one has experienced a serious injury, visit www.injurylawyercanada.com to learn more or request a free consultation.

Could the Questions You’re Asking After a Serious Accident Indicate Catastrophic Impairment?

Surviving a serious car accident isn’t just about physical recovery. The emotional and psychological impact can be just as overwhelming. Anxiety, depression, PTSD, and survivor’s guilt are real challenges that can qualify as catastrophic injuries, opening the door to long-term care, financial benefits, and essential mental health support.

In this discussion, Roger Foisy & Associates break down what survivors need to know, answer common questions, and explain how legal recognition of psychological trauma can change the course of recovery.

Debunking Myths About Traumatic Brain Injuries: What You Need to Know After an Accident

Brain injuries, often caused by accidents, can have lasting impacts even when symptoms are delayed or not visible on diagnostic scans. In this video, our expert panel demystifies common misconceptions about traumatic brain injuries, including mild traumatic brain injuries, and explains how issues like whiplash can lead to significant harm. Learn about physical, cognitive, and psychological symptoms, as well as the criteria for catastrophic determinations.

Fatal Accidents and Understanding Grief

Losing a loved one in an unexpected circumstance, such as a vehicle accident, is extremely difficult. Feelings of powerlessness and vulnerability are normal in this situation, and these types of catastrophic events can threaten our emotional security.

Although financial compensation cannot lessen the emotional impact, a settlement may address the financial worries and offset much of the hardship that the family ensures. There are two types of compensation that family members are eligible for: non-pecuniary and pecuniary.

Watch this video to learn more.

Understanding What You Need To Know about Fatal Accident Claims in Ontario

The law allows for financial compensation for the loss of a family member, recognizing the significant position that this person held. An experienced lawyer will emphasize the strength and importance of the relationship with the deceased, in order to properly convey the depth of your loss.

Family members may be entitled non-pecuniary and pecuniary loss claims. Non-pecuniary losses involve claims for losses that are not inherently monetary in value, such as the loss of care, guidance, and companionship. Pecuniary claims involve financial losses, such as loss of income or funeral and internment expenses.

Watch this video to learn more.

Coping with Grief from the Loss of a Loved One

Grief manifests in both emotional and physical symptoms. Once these emotional and physical symptoms are understood as part of the grieving process, they can be endured with patience. Self-blame and avoiding your emotions are destructive in these situations; if you are coping with grief, your priority must be to take care of yourself. Others can provide the support you need during your difficult time.

Watch this video to learn more.

How Personal Injury Settlement Values are Determined in Ontario

How do lawyers come up with personal injury settlement values in Ontario? In other words, how much is your case worth? This video explains the most important factors taken into consideration when determining settlement values that pertain to an injury. It also explains why your Ontario injury lawyer must effectively convey the unique impact of the injury on your life to help maximize your injury settlement value.

Watch this video to learn more.

Should I Hire a Personal Injury Lawyer in Ontario?

Should you hire a Personal Injury Lawyer in Ontario or deal directly with the insurance company? Because many people are concerned about lawsuits and are especially fearful about having to testify in a court of law, injured parties often settle their claim directly with the insurance company before consulting with an experienced injury lawyer.

Watch this video to learn more.

Understanding What Insurance is Readily Available to You in Ontario After a Car Accident

What is important to know about automobile insurance coverage after you have been involved in a car accident in Ontario? The primary concern arising from a motor vehicle collision is to protect your legal rights for any future claims you may have resulting from this collision.

Watch this video to learn more.

Understanding what legal options are available to you if you’ve been injured in an accident in Ontario

It is important to know what your legal options are if you have been injured in an accident in Ontario. There is a potential case for a lawsuit for virtually anything, so you should ask yourself if it makes sense to start a lawsuit?

Watch this video to learn more.

Catastrophic Impairment FAQs: The Criteria Required to be Determined Catastrophically Impaired

Welcome to the third video of our catastrophic impairment series. In this podcast, Roger R. Foisy, Harpreet Sidhu, Rusald Laloshi, Daniel Berman, and Rutumi Tank from Foisy & Associates discuss how they approach culture and language in their cases.Watch this video to learn more.

Is language a barrier when speaking with healthcare practitioners in catastrophic impairment cases?

How is language a barrier in speaking with healthcare practitioners in catastrophic impairment cases? Watch as Roger Foisy, Harpreet Sidhu, Daniel Berman, and Rutumi Tank discuss this important topic.

How are mental and behavioural classifications rated for catastrophic impairment?

Our team digs into the specifics of different criterion, how ratings are determined catastrophic, and how the date of your injury can affect your rating.

Learn more in our latest video

Introduction to FAQ About Catastrophic Impairment

Join us for an in-depth exploration of catastrophic impairment determination, unraveling the intricacies of this crucial topic.

What Is Catastrophic Impairment and How Is It Determined?

Explore the factors that matter in the determination of catastrophic impairment in our newest video series.

How does a Catastrophic Impairment Designation Impact Accident Benefits Decision-Making?

Discover the critical role of catastrophic impairment in shaping the decision-making process for accident benefits.

What Happens When Someone is Determined to be Catastrophically Impaired?

Explore the significant impacts and benefits that follow when someone is determined to be catastrophically impaired.

How ‘Burn Rate’ Influences How Much Your Catastrophic Impairment Case is Valued

What are the hidden factors that come into play when assessing the value of your catastrophic impairment case? Find out in our latest video!

How Do I Get My Insurance Company to Settle When A Person Is Deemed Catastrophically Impaired?

Learn the essential steps to navigate the settlement process with your insurance company after a determination of catastrophic impairment.

The Importance of Having a Lawyer While Settling Your Catastrophic Impairment Case

Discover the indispensable role of competent legal representation during the process of settling your catastrophic impairment case.

How Are Physical and Mental Impairments Combined to Determine Catastrophic Impairment?

Explore how both physical and mental impairments can be combined to achieve a designation of catastrophic impairment after your injury.

How are mental and behavioural classifications rated for catastrophic impairment?

Our team digs into the specifics of different criterion, how ratings are determined catastrophic, and how the date of your injury can affect your rating.

What are the domains of Criterion 8 in Catastrophic Impairment? Part 2

What are the domains of Criterion 8 in Catastrophic Impairment? Dig into the second part of our summary, where we look at adaptation and persistence and pace.

How is pain considered in a determination of catastrophic impairment?

The answer might surprise you. Watch as Rusald Laloshi, Harpreet Sidhu, and Roger Foisy discuss this important topic.

How are physical impairment determined catastrophic?

Learn how physical impairments like arm injuries or loss of movement are determined catastrophic in our latest video.

What are the domains of Criterion 8 in Catastrophic Impairment?

Watch as we dig into the first two – activities of daily living and social functioning.

What is the difference between whole body and upper extremity impairments?

How are they measured and related to one another? Dig into these details of catastrophic impairment in our latest reel.

What is Criterion 6?

The Foisy & Associates team digs into this criterion and what impairments it covers under catastrophic impairment in our latest reel.

How to incorporate culture into medical testing in catastrophic impairment cases?

Long Term Disability Has Been Terminated

You continue to take medication and have seen little improvement in your health, yet your long-term disability has been terminated. The insurance company’s doctor barely knows you but has decided you can return to work.

Why did the insurance company terminate your benefits?
The insurance company has changed how they define disability and your ability to work. If you were told that a diagnosis is required to be eligible for long-term disability, let me assure you this is not true.

Learn more about Long-term disability termination in this video.

Long Term Disability and Psychological Distress

Are you blaming your workplace and employer for psychological distress?

In reality, you are going through more than the general stress of life. Issues happening in the world, your personal life, your health, or your home can impact your psychological well being.

If you focus on your employer, your insurer will just ask you to change where you work. Although admitting you may be suffering from mental health issues is hard, it may help your disability claim.

Learn more about Long-term disability and psychological stress in this video.

Long Term Disability Claim Denied

Your Long-term disability claim was denied and your insurer has offered you to appeal its decision. What are the chances the same insurance company that denied your claim would overturn its own decision?

Your chance of a successful resolution increases if you let our offices work with you as soon as you experience an initial denial. We’ll assist in managing your file communicating with your insurance company and determining if the denial was valid.

Long Term Disability and Chronic Pain

For those dealing with pain for months on end, depending on others for care, and feeling disengaged or isolated, chronic pain might be to blame.

Pain is not only physical – it has biological, psychological, and emotional factors and pain can become chronic if left untreated. Although chronic pain is difficult to diagnose, it has finally been recognized by the Supreme Court of Canada as a disability.

Learn more about long-term disability and chronic pain in this video.

Completing the Member Statement LTD Claim Form

Based on my experience seeing common errors that lead to LTD application denial, I walk you through the important and problematic components of the section you are required to complete in the LTD application process (often referred to as the Plan Member Statement). I provide tips to give your application a better chance of success.

Watch this video to learn more.

Completing the Sponsor (Employer) Statement LTD Claim Form

Based on my experience seeing common errors that lead to LTD application denial, I discuss how to work with your employer so they can properly complete their section of the LTD application (often referred to as the Plan Sponsor Statement). These tips will help your application be less likely to be denied.

Watch this video to learn more.

Completing the Physician Statement LTD Claim Form

Although your physician has your best interests at heart, insurance adjusters regularly deny LTD claims because the physician has not provided enough information to understand why you can’t return to work. Based on my experience seeing common errors that lead to LTD application denial, I offer advice on how to work with your medical practitioner(s) to ensure your application has a better chance of being approved.

Watch this video to learn more.

Understanding Long-term Disability Insurance in Ontario

Long term disability insurance is more permanent than short term disability insurance, as it provides you with a portion of your income for expenses, medical treatment, and rehabilitation in the event that your medical condition prevents longer-term employment.Even if your injury or illness occurs out of the workplace, you are eligible for disability benefits.

Watch this video to learn more.

The First Five Reasons an Insurance Company Will Deny Your Long-Term Disability Claim

If you are not able to work due to an injury or an illness, it is very important for you to be aware of the main reasons why an insurance company may deny your long-term disability claim.

1. Clerical or Procedural Errors
2. Having Pre-existing Medical Conditions
3. Committing Fraud or Misrepresentation
4. Not Meeting Eligibility Requirements
5. Policy Exclusions

Learn more about each reason in this video.

The Next Five Reasons an Insurance Company Will Deny Your Long-Term Disability Claim

If you are unable to work because of an injury or illness, it is crucial to be aware of the reasons why insurance companies deny claims.

1. Objective Evidence or Insufficient Information
2. Treatment and Assessment Compliance
3. Contradictory Surveillance
4. Contradictory Online Evidence
5. Meeting Disability Definitions

Learn more about each reason in this video.

Using the PQRST to Accurately Describe Pain to Your Doctor

You should use the PQRST Method as a tool to help you accurately describe your pain to healthcare practitioners, so they can help you receive the care and compensation you need. PQRST Method

1. Provoked
2. Quality
3. Region
4. Severity
5. Time

Watch this video to learn more.

Coping with the Emotional and Psychological Impact of a Mild Traumatic Brain Injury

If you’ve experienced a mild traumatic brain injury, it’s important to know that your emotional and cognitive symptoms are completely normal.Here are some ways to cope with a Mild Traumatic Brain Injury:

1. Take care of your needs.
2. Understand you will feel a wide variety of emotions.
3. Seek support from others.
4. Seek professional help if you’re having trouble meeting the needs of everyday life.
5. Allow yourself time to grieve.

If you have suffered a mild traumatic brain injury, it is important to remember help is out there for you.

Learn more about the emotional and psychological impact of mild traumatic brain injury in this video.

Finding the Right Team for Your Mild Traumatic Brain Injury

Every brain injury is different. Key specialists you may need for your brain injury rehabilitation include:

1. Family Doctor
2. Occupational Therapist
3. Physiotherapist
4. Neuropsychologist
5. Speech Language Pathologist
6. Case Manager
7. Lawyer

Ensuring you have the right team for your brain injury rehabilitation is the first step toward an optimal recovery.

Learn more about each recovery specialist in this video.

Why are Mild Traumatic Brain Injuries Often Missed?

Mild traumatic brain injuries (mTBI) are often missed by both the injured person and medical practitioners.In the following video, I explain these reasons why mild traumatic brain injury is typically overlooked:

1. After an accident causing injury, the most obvious physical injuries are prioritized.
2. An injured person’s behaviour following an incident is not a reliable indicator of the extent of their brain injury.
3. mTBIs are difficult to test for.

Learn more about each reason in this video.

What is a Mild Traumatic Brain Injury (mTBI)?

70-90% of brain injuries are considered “mild”. It is important to realize, however, that there is nothing “mild” about a traumatic brain injury.Symptoms experienced by brain injury victims may include, but are not limited to:

1. Physical: headaches, ringing in the ear, dizziness, insomnia, fatigue, trouble with senses
2. Cognitive: problems with attention, concentration, memory, information processing, reasoning, planning
3. Emotional: irritability, depression, anxiety, mood swings

Learn more about mild traumatic brain injury in this video.

Accessing Funding for Medical Rehabilitation after Suffering a Mild Traumatic Brain Injury in a Motor Vehicle Accident

After a motor vehicle accident, it is best to have a brain injury diagnosed from the beginning in order to receive the appropriate funding. With the right funding, your road to recovery will be financially supported.

3 Classifications for Motor Vehicle Accident Injuries in Ontario

1. Catastrophic Injury: Lifetime medical and rehabilitation benefits coverage of up to 1 million dollars.
2. Non-Catastrophic Injury: 10 years of medical and rehabilitation benefits coverage of up to $50,000.
3. Minor Injury Guideline: Provides medical and rehabilitation benefits coverage of up to $3,500.

Watch the video to learn more.

Initial Client Interview: What Personal Injury Victims Can Expect

Typically, personal injury victims do not have experience with the legal process, and therefore do not know how to proceed after being injured. Of course, seeking medical attention should be your top priority. However, after seeking medical attention, you may wonder whether you will require legal representation.

Watch this video to learn more.

What Is the Settlement Value for My Injury or Illness?

People often believe that settlement value is mostly determined by the extent of the injury. While this is a factor, the most important information is how the injury has impacted your life. In other words, what does the injury prevent you from being able to do and how does this affect you?

Watch this video to learn more.

Preparing for an Insurance Company Independent Medical Examination (IME)

Personal injury clients are often asked to undergo an Independent Medical Examination (IME). IMEs are an independent evaluation of your medical condition conducted by a medical professional.

Questions posed to you may be phrased differently depending on whether the medical examiner was retained by your own lawyer or the insurance company. This video explains how to prepare for an IME conducted for the insurance company and ensure you fully communicate your unique, subjective situation to the medical examiner.

Watch this video to learn more.

What Happens During the Mediation of a Personal Injury Claim?

One of the most effective ways to settle a personal injury claim is during mediation, which can result in a fair settlement of your case without needing to go to trial.

A personal injury claim mediation has five participants:

1. You (the Claimant)
2. Your Injury Lawyer
3. Insurance Adjuster
4. Insurance Lawyer
5. Mediator

Watch the video to learn about the process of personal injury claim mediation.

Examination for Discovery: What Personal Injury Victims Can Expect

An Examination for Discovery is an important part of the legal process for personal injury victims. It is where parties and their lawyers come together to find out what you (the injured person) will say about their lawsuit at court.

Watch this video to learn more.