With the change in seasons, we see many people that have been injured in automobile accidents and most of our patients still don't realize that on June 1st, 2016, there were some important changes to standard auto insurance policies.
There are three categories for injury due to a motor vehicle accident. Minor Injury, Non-Catastrophic and Catastrophic. The definitions of these categories are both specific and complex and should be provided to you by your insurance broker. The changes have occurred in the Non-catastrophic and Catastrophic injury categories.
The most significant changes include a substantial reduction in benefits for Medical/Rehabilitation for both non-catastrophic and catastrophic injuries and in benefits for Attendant Care for non-catastrophic and catastrophic injuries. These are the benefits that cover the costs you incur for injuries that you sustain in a motor vehicle accident.
What does it mean? It means that if you have a standard insurance policy and you did not upgrade your coverage, you are now entitled to EXACTLY HALF of what you were before JUNE 16TH, 2016 for non-catastrophic and catastrophic injuries.
For Minor Injuries (a separate category from catastrophic and non-catastrophic) the maximum benefit amount has not changed and remains at $3,500.
The most important things for you to do are to understand the insurance you already have and what the coverage provides.
The next thing to do is to contact your broker and find out what your options are for upgraded coverage and how much it will cost for you to upgrade your coverage. For our family of five, upgraded coverage for both Medical and Attendant Care benefits to the PRE-June 16th values for both our vehicles, for one year was $130.
Finally, we would recommend that you take the time to understand how these terms are defined and what the criteria are that are used to determine which benefits you are entitled to.
This table outlines both the current (Pre-June 2016) limits and the new limits for standard policies. The last column shows the amounts that are available as additional options on your policy.
Cell phone, tablet and laptop use has resulted in an increased number of our patients reporting pain in the elbow, forearm and wrist. Click here if you would like to know more about these problems and how we can help.
"The holiday season can be demanding and overwhelming which means people start to ignore their health in an effort to get their TO DO lists done," says Sharmila Kulkarni, Director of Innova Health Clinic. "Start early with holiday tasks like decorating, shopping and cooking." A little planning helps us avoid stress and irritability and also helps ensure that we continue to exercise and get good sleep during the holiday season. Ask relatives and friends for Wish Lists to make shopping easier. Book a specific day for baking or do a cookie swap with friends.
"I love shopping but even I find it exhausting during the holidays." says Sharmila, an experienced shopper. There are plenty of ways to make shopping easier on your body.
Tip#1 - Try online shopping, shipping is almost always free during the holidays and Canadian retailers continue to offer great sales and deals for early shoppers.
Tip#2 - Carry a backpack when you go to avoid carrying packages in your arms. By distributing the weight of the shopping bags, you will decrease the stress and strain on your weight-bearing joints and your shoulders.
Tip#3 - If you're on a marathon shopping trip, drop packages at holding centres or in the trunk of your car.
Tip#4 - Be sure to eat and drink appropriately. Staying hydrated and taking a break will keep your brain and your body happy.
Whether it's Massage Therapy, Physiotherapy, Chiropractic or Osteopathy, it's wise to book your treatments in advance. Most of our practitioners are booking a week or two ahead so if there are specific times you need, let us know as soon as possible.
Taking time to make sure you don't re-injure or aggravate a healing problem will ensure that you spend the holidays enjoying yourself with family and friends as you should be!
Our amazing receptionists, Shirley and Ashley, would be happy to set up appointments for you! Give us a call at 905-389-8772/9489 or drop us a line at email@example.com.