Ontario legal information · Ottawa and Eastern Ontario
The useful question is more specific than the page title.
Being unable to perform the pre-accident job does not automatically prove inability to perform every job or entitlement under every policy.2
A useful analysis separates current capacity, accommodation, wage loss, benefit eligibility and longer-term vocational evidence.
Keep responsibility, available coverage and actual loss in separate columns.
Legal route
A civil claim may include past and future income loss caused by fault.
Insurance or benefit route
SABS income replacement, LTD, WSIB, employment benefits or EI may have different tests.
Practical decision
Employer accommodation and a safe return plan are practical issues distinct from final claim value.
Build the record from material another person can verify.
Job description, physical and cognitive demands.
Restrictions, prognosis and treatment plan.
Hours, duties, symptoms and failed work attempts.
Payroll, tax, benefit and employer correspondence.
Protect the next date without pretending every claim follows one clock.
Give timely medical support to each benefit payer and respond to requests for updated function.3
Protect appeal and lawsuit dates even while an employer explores accommodation.
How a personal injury lawyer may use this information.
General information explains the framework. Legal advice should connect that framework to the event, the people and insurers involved, the available records and the deadlines in the individual claim.
- Define essential job demands
- Map income sources
- Document sustainable capacity
- Coordinate return-to-work evidence
Not every file requires every step or legal representation. The work should respond to the actual dispute, evidence gap or decision that is approaching.
Sources and legal references
These official sources provide the legal and procedural foundation for this page. Their current wording and the facts of the claim control.
View 3 sources
- Ontario — Statutory Accident Benefits Schedule
The current rules for Ontario automobile accident benefits.
Back to footnote ↑ - Ontario — Insurance Act
Ontario automobile liability, statutory benefit, threshold and deductible framework.
Back to footnote ↑ - Ontario — Limitations Act, 2002
Ontario's basic limitation and discoverability framework, subject to important exceptions.
Back to footnote ↑