INTRODUCTION In many personal injury claims, the focus naturally falls on immediate income loss, medical expenses, and future care costs. One area that can be underestimated or overlooked, however, is pension loss. For many employees, pension benefits can represent one of the most valuable long-term financial assets tied to their employment. When an accident disrupts … Read more
INTRODUCTION The role of accounting experts in civil litigation is about to change dramatically in Ontario. Following the Civil Rules Review (CRR) Final Policy Report released on December 15, 2025, the legal community is bracing for a mid-2026 rollout that will fundamentally reshape how civil litigation is conducted. This is not just a procedural tweak; … Read more
What’s Changing Starting July 1, 2026, Ontario’s SABS shifts from a standardized mandatory benefit package to a consumer “opt-in” model. Only three benefits will remain automatic in every auto policy: Medical, Rehabilitation, and Attendant Care. Everything else — including Income Replacement Benefits (IRB), Non-Earner Benefits, Caregiver, and Housekeeping Benefits — becomes optional coverage that must be … Read more
A recent Licence Appeal Tribunal decision provides important clarification on Income Replacement Benefit (“IRB”) entitlement where a claimant has a mixed history of employment and self-employment. In Zeineddine v. Economical Mutual Insurance Co., the Tribunal confirmed that weeks of self-employment cannot be counted toward the requirement of being employed for at least 26 weeks in … Read more