#Accident Benefits
Explore tagged Tumblr posts
stalawyers · 1 year ago
Text
ICBC No Fault Insurance Model: What does this mean?
In recent years, there have been major changes to the ICBC system. ICBC insurance claim no fault model changes restrict an accident victim’s right to bring litigation after a motor vehicle accident. These changes have caused a lot of confusion for accident victims, especially when it comes to claims for compensation. If you are wondering whether you can still make an insurance claim or want to know how ICBC’s current “no fault” insurance scheme impacts your compensation, this article is for you.
Top 5 FAQs regarding ICBC’s no fault insurance model
1) Can I make a claim if I have been in a car accident?
The new ICBC system introduced May 1, 2021 is as ICBC insurance claim no fault model https://simpsonthomas.com/blog/2021/08/24/icbc-no-fault-auto-insurance-model-what-you-need-to-know/ that all but eliminates your ability to file a lawsuit against a negligent driver.
If a car crash occurs after April 30th, 2021, and you fall victim to it, you cannot sue the at-fault driver for compensation for your injuries, unless authorities convict the driver of a criminal driving offence related to the crash, such as drunk driving.
While you are no longer able to sue the at-fault driver for compensation except in limited situations, you can make an ICBC insurance claim under Enhanced Care for accident benefits. Accident benefits under Enhanced Care include medical care (for example, chiropractic treatments, medication, and counselling) and income replacement if you can’t work because of the accident injuries. There are no more damages for “pain and suffering.”
If the accident seriously injures you, you qualify for a lump sum payment as compensation for permanent impairments like loss of mobility, scarring, amputation, or other enduring damages to a body part or function. The ICBC no fault model determines a percentage for injuries based on the impairment level and category/type, and this percentage dictates the lump sum amount you receive for your injury.
2) Do I have to use up my extended health benefits before ICBC will pay for treatment?
Yes. If you have coverage from another provider (e.g., extended health care through your employment or disability insurance that you purchased on your own), ICBC considers your other insurance as the primary payer for most medical expenses. https://simpsonthomas.com/blog/2022/02/04/icbcs-no-fault-insurance-model-can-you-claim-out-of-pocket-expenses/ So even if you weren’t at fault for the accident, you have to claim against your own coverage first when you bring an ICBC claim.
3) How much will ICBC compensate me for a written off vehicle?
If your vehicle is unrepairable (also known as a “total loss” or a “write off”), ICBC calculates your vehicle’s value at the time of the accident and pays you out based on its assessment of fair market value. ICBC will consider things like the year, make and model of your vehicle, its total mileage and its pre-crash condition. You may still need to pay deductible if your vehicle is written off.
4) I’ve missed time from work due to my injuries, will ICBC compensate me for this?
If you were employed at the time of the accident and you are unable to work because of your injuries, you are eligible to receive wage loss benefits. https://simpsonthomas.com/blog/2021/11/25/icbcs-no-fault-insurance-can-you-receive-wage-loss-compensation-under-enhanced-care/  
If you are eligible, income replacement under ICBC’s Enhanced Care covers up to 90 percent of your net income each week, up to a cap of $105,500 gross annual income (in other words, if you earn more than that per year, you will not be adequately compensated unless you purchased additional coverage). Under the old ICBC system a car accident victim could sue the at-fault driver to recover all lost wages, not just a portion of them.
Even if you are eligible for income replacement, you will not receive wage loss benefits until the 8th day after the accident. In other words, there is a 7-day waiting period before income replacement kicks in, and ICBC benefits do not cover your first week of lost wages. https://simpsonthomas.com/blog/2021/11/25/icbcs-no-fault-insurance-can-you-receive-wage-loss-compensation-under-enhanced-care/
Another catch? The ICBC insurance claim no fault model is secondary to any other wage loss benefits available to you, such as an employer plan, Employment Insurance, or disability benefits. Because ICBC no-fault wage loss benefits are secondary, you MUST apply for other benefits first, and then your income replacement benefit calculation will take those benefits into account.
5) If you caused an accident, can others still sue you?
Yes, others can sue you in specific situations if you caused the accident. For instance, if authorities convict you of impaired driving related to the crash, injured parties can sue you. If you played a different role in causing the accident, such as a pub owner accused of serving too much alcohol to a patron who then caused a car accident, they can also sue you. Importantly, even if the accident injured you and you were entirely at fault, you qualify for accident benefits under Enhanced Care. https://simpsonthomas.com/blog/2021/08/24/icbc-no-fault-auto-insurance-model-what-you-need-to-know/
Contact STA if You Have Questions about No Fault
About Simpson Thomas and Associates:
STA is a prominent law firm, with a rich history of over 50 years. It is based in the lower mainland with offices in Vancouver and Surrey.
The firm is active in various practice areas. Namely, personal injury, family law, immigration, employment law, estate litigation, and insurance denials.
STA commits to serving the community with its legal expertise. Also, actively support causes that enhance the well-being of individuals and families.
Reach out and consult with us:
Phone: (604) 689 – 8888
0 notes
naamahdarling · 2 months ago
Text
Labor, on its own, has no inherent value. The willingness or ability to labor does not translate to virtue. It can confer financial value, since everyone should be compensated for their labor, but it absolutely does not have inherent moral value.
Disabled people are not obligated to perform for you. They are not required, morally, to break themselves in order to earn some sort of personal value and prove their "worth" to society. They do not need to exhaust every possible means of survival to warrant aid, or spend the entirety of their existence pursuing the same amount of production as others even though it takes everything they have and leaves no room for anything else. They are not obligated to push their limits.
If that pisses you off because YOU have to work to the limit, or beyond, your problem is that you are not being paid enough or you are being asked to do the work of more than one person. Not that disabled people get help for "nothing".
You deserve better, too, you lovable dingus! Every single thing that benefits disabled people will benefit you and the ones you love, either immediately, or eventually. All of it!
206 notes · View notes
dinoserious · 11 months ago
Text
Tumblr media
see tiber is aesthetically a fish but structurally? he is a lizard
237 notes · View notes
todayisafridaynight · 6 months ago
Text
Tumblr media
118 notes · View notes
bad-traffic-smp-ideas · 11 months ago
Note
Insurance Life.
You can take out a life insurance policy on one person each session, including yourself. If they lose a life, you get a piece of enchanted diamond gear at random.
Here's the catch: If someone finds out you killed someone for the life insurance policy you put on them, your inventory is reset as penance. This includes chat death messages indicating they were slain by you. Ergo, you have to make it look like an accident. Trap them.
PLEEEASE I DON'T WANNA GO BACK TO PERSONAL FINANCE CLAAASS-
144 notes · View notes
tofuthebold · 7 months ago
Text
Tumblr media
with siblings like nina and kazuya they have a lot to scream about and bond over. what are they singing?
it seems like they'd go to a fancier ktv but i liked the idea of them just going somewhere lowkey, intimate, and not roleplay and just be genuine with each other for once
40 notes · View notes
pennedinblood · 2 months ago
Text
as of ten minutes ago we are officially Jobless™️. my sign to retire early and devote the remainder of my existence to writing toxic old man yaoi
#pennforyourthoughts#personal#someone rb this with silly tags i feel it deserves some levity#warning: novel-length tags lmfao#THEY TOLD ME TODAY MY LAST DAY IS FRIDAY? that's only two whole workdays for me HELLO??#knew it was coming bc they let my friend go two weeks ago and he had more seniority than me but jfc#at least let me ride out the contract till november. WHY. i JUST went back to uni i need money goddamn it#full disclosure tho i haven't been able to stop laughing bc so much of the surrounding circumstances are insanely funny to me#1) i was LITERALLY at a job fair yesterday and I almost considered not going bc I was so damn tired#surprisingly made some really great connections so ty universe now i have people to poke in the coming months#2) i switched from part time to ft course load at the last second and have been regretting it ever since but if im to be unemployed then#MAYBE now I can actually handle the uni workload :D#3) when my boss called me she asked how ive been and i told her i was sooo sick last week and got into a car accident#that same day omw back from uni (universal karma for skipping class for my health ig)#THE WAY SHE PAUSED ON CALL IS SO FUNNY IN RETROSPECT. was prolly thinking fuck. now i have to add to this#she literally went “omg im so sorry...anyways i have bad news”#im not even lying when i say i was GIGGLING through that whole call she was so concerned#love her bc she genuinely tried to fight for me and is the reason i wasn't let go two weeks ago but man. the timing is impeccable#also don't think i get any unemployment benefits bc i was temp contract and my situation as a whole is a bit complicated so YAY :DDD#the way i ran to my bestie to spill the tea & we're over here like 🤝 fired buddies 🤝 time to speed run job interviews while juggling uni
14 notes · View notes
creator-chaos · 2 months ago
Text
12 episodes into Kuuga:
They were crazy in 2000, they'll kill anything on screen
Oh it's like GAY gay
8 notes · View notes
tearfest · 2 months ago
Text
sorry to log on n rant but i need to rant
#tbd.#ooc.#cw complaining#ignore the tags if u dont want to see how my life is going shdfhsf#so im doing my masters yeah#and im like. 75% thru#shouldve been done last month#but bc of the year ive had my uni adviser was rlly nice and sorted a way to extend my student status for another year#to get my dissertation done#like i did my 4 essays n now its just dissertation time#n i was supposed to start it now n get booked in with my mentor n stuff but i cant fucking log into the website#bc u need a MFA#and the MFA app my uni uses wont acknowledge me bc i have a different phone bc my phone broke#and a different number bc my phone contract got cut off#so idk what to do lol i cant log in and do anything#ive rang the IT desk for help 59w9er3424234 times#and everytime i get thru to the actual line n im taken off hold .. they hang up on me#idk if its a system error or my phone bc its a shit old one#but i cant do anything#and my universal credit claim got closed#non uk oomfs its a benefits system#n they help u with money to pay bills whether ur looking for work or unfit to work which is what my doctor said i am bc#my mental health and physical health combines to make me a super loser#n he thinks i might try to K word myself if i take too much on at once after eveerything#like i cant even sit and grieve my dad that died not even 6 months ago yet because i have to much shit to fucking do#like i cant afford to liven now#i cant pay my bills. they keep bouncing and coming back worse#i have debt collectors coming @ me#i am stuck in catch 22 man like not even my support workers can help me rn#and im very lucky that i own my own home bc of my car accident when i was 15 lol but everyone is just telling me to sell it
8 notes · View notes
brittlebutch · 1 year ago
Text
forgive any incomprehensibility but the notion that the world can be cleanly split between the two immutable categories of 'the neurotypical' and 'the neurodiverse' ignores the reality that any person can at any point for any reason be arbitrarily 'diagnosed' by a 'professional' and shuttled between categories with no regard for the notions of 'accurate traits' or 'specific symptoms'. nice dichotomy what lies outside of it? you understand me?
48 notes · View notes
orcelito · 9 months ago
Text
I think I cried harder today over my dad's jackets than I did at his deathbed. That was a miserable time of course, a memory that will likely be seared into my brain until I die, but I cried... I think a normal amount, all things considered. More than I ever usually do of course, but I typically don't cry At All. All this free crying is certainly surreal.
The jackets, though. I was put in charge of doing his laundry, because we don't want to pack up dirty clothes. I was expecting it to be unpleasant bc my dad's dirty clothes - gross. But really, it was much more unpleasant in that... those were his. It felt wrong to touch them. Felt wrong to treat his jackets as gross. Because they were just his jackets. They weren't even in the hamper. And then I was remembering him wearing them, and then I was crying. Again. And again. Weeping over these damn jackets.
Then I found a shirt on his bed that still smelled like him. It smelled like a Hug From Dad. And that set me off crying even harder.
In total, I think I cried like 6 times within 40 minutes. It took me that long to finish sorting the damn clothes bc I just. Was a wreck. Like, what are you supposed to do when you're living life like normal, vaguely hopeful bc you're taking steps to secure your own happiness, and then 4 days later you're sorting your dad's laundry because he fucking died. Suddenly. Without a goodbye.
And you have to worry about his lack of a will (even under an ideal situation, only 2 heirs and no conflicts between us, probate's a fucking Bitch), and arranging the funeral, and prepping his obituary, and picking out pictures, and writing a speech bc you want to talk at his funeral, of Course you want to talk at his funeral, but even just thinking about anecdotes you could share has you crying yet again.
I've cried more times in the past 3 days than likely the entirety of last YEAR. And that's WITH my cat, and uncle, and family friend dying. Those all hurt, my uncle most of all, & I was real fucked up over it. But this? This was my Dad. Likely the person I'd have named 2nd closest to me in my life, second only to my sister. He wasn't perfect, but he did so much for me throughout my entire life. All he wanted was to raise us to be happy and independent. And he accomplished it, we're getting by without him, but we still wanted several more decades with him. He was only 57. We should've gotten several more decades with him.
But here we are now. Playing investigators to his life, digging into all his shit, trying to find documents and take inventory of all his things, and learning Many things about him in the process. In his lockbox of sensitive documents, like his SSN and birth certificate and all that stuff, we found an old letter. About a decade old now, written in my hand. Right at the very top, we found that he'd kept the letter I wrote to him telling him frankly about my struggles and the things I wanted him to do better. He kept it. He tried to take it to heart. He looked at it again, sometime more recently than all the rest of the documents. That was on top.
His love for us is evident everywhere. The pictures he has hanging up all over the place, majority of them with us in them. The old fathers day cards placed on display in his bedroom bookshelf. The gifts we gave him, even stupid little knick knacks, placed around his apartment with pride. I wish we'd taken more videos of him. I don't want to forget the sound of his voice. I don't want to forget his smell either, the smell of a Hug From Dad, but I still tossed that shirt into the wash even though it felt like saying yet another goodbye.
It's the suddenness that hurts the most, I think. We were planning on having him help me finally get my license this year. My final words to him, the last thing he would've seen from me, were messages asking up on whether he'd called his car insurance company to make sure there wouldn't be problems. I should've called him more. I don't know if I'm going to learn from this.
I cut my 2 weeks off early to have time to grieve and to work on things for the funeral and settling the estate. The last thing I'd wanna do right now is selling fucking bubble tea in a job I already decided to leave. So here I am without a job, though with potentially two life insurance policy payouts to come. Inheriting half his 401k. Inheriting couches, knickknacks, keepsakes, paintings, art pieces, maybe even his guitar and other furniture if we can figure out what to do about space (I don't have room for this furniture, I don't know if I even have room for the couches, but God do I want to keep so much of this furniture). It has me even considering keeping one of his guns, just one. A tiny little revolver, it sits so comfortably in my hand. I don't even want to use it for anything. I just want to have it, keep it stored in a drawer with its ammo kept separate. I don't like guns, but this is a part of him. He loved collecting guns. He was about as responsible with them as someone can be, keeping them locked in a lockbox and impressing upon his children the importance of gun safety (I've known the basic gun safety rules ever since I was a little kid. Of course, of course, of course.) It reminds me of him. It's horrifically easy to have a gun in Indiana. I apparently don't even need a permit to carry anymore. (I have no intention to ever carry this in public.)
It's all a cycle. Business, grief, thoughts about my future. Round and round, like the most nauseating carousel in existence. I don't know how I'm still so functional. My skills with compartmentalization have been my lifesaver.
And im just thinking about the story my dad's best friend shared today. About a friend of theirs who lost her father. She reached out after hearing about my dad to share his words with her: "it's okay to grieve, but don't make his death your life".
He explicitly referenced himself in this, saying if he were to die suddenly that he wouldn't want us to define ourselves by it. Grief is expected, but he wants us to be able to move on. He's always wanted us to establish ourselves and make ourselves happy. He wouldn't want to be a weight holding us back from that.
So every time I start to feel guilty for thinking about having nicer furniture or using his life insurance payout to fund the rest of my college, I remind myself of that. Thinking about the material isn't a bad thing. I'm only human. And in the end, he'd Want me to be thinking about it. He never intended to die, certainly not without warning like this, so he would've only encouraged me being pragmatic about it all.
He only ever wanted us to be happy. So I need to do what I can to live up to that.
I love him. I miss him already.
#speculation nation#negative/#this got really long on accident. but i think typing this out was really helpful for me.#getting the thoughts out. processing. the works.#nearly cried several times just from writing this.#...and honestly i might reference this again when i start seriously writing my eulogy.#things suck a Lot right now. and i really wish they were different.#feels like i picked a bad choice in a video game and am now seeing the Bad Ending or whatever#all i need to do is reload a previous save. it's all still there. perfectly preserved in my memories.#but... that's all gone. as suddenly and unfair as it is ive been thrust into a new chapter of my life so thoroughly.#it's not all bad though. he wasnt prepared for dying so it's been hell to prepare for him#we dont know if we'll even be able to get into his fucking iphone. stupid piece of shit.#but he had life insurance. he had a union job. and That comes with benefits#(something about a year's salary going to the family. aka half a year's salary to Me. and isnt That mind boggling.)#as much as it hurts im going to be realistic about it. im going to do what i need to finish my education.#and im going to use it as a springboard for finally becoming a 'proper adult'.#the kind who could own a nice kitchen fridge. one with an ice machine on the front of the door#and freezers in the drawers.#maybe then i could think about getting motorcyle lessons. not from my dad as i originally wanted#but i wanna keep the family biker spirit alive. i wanted it even before he died. and now i want it even more.#ive had so so many thoughts. it's only been 3 days. ive had to emotionally numb myself several times just to Get Through It.#everything is exacerbated. my mom wants to go to the funeral. we will have to fight her on this. my dad Hated her.#and i certainly dont fucking want her around either. not then. not when im talking about my dad.#(my dad. my Dad. i saw him die. i felt him cold. i do not regret it. it still hurts me.)#it's overwhelming. i loved him so fucking much. even with his flaws he was truly an amazing father.#i'll... shut up now. if you read this far. well. hug your loved ones a little tighter. you never know when youll lose them.
10 notes · View notes
boywifesammy · 1 year ago
Text
i absolutely love the permanent injury wincest fics on ao3 and my brain is going BUCKWILD thinking about possible plot points to write…
imagine. the car accident at the end of season 1, but sam ends up with severe injuries & brain damage. john still makes the deal for dean’s life. he whispers to dean that this was for the best, keep him safe, and if you need to, kill him, and dean knows he’s talking about sam, unresponsive and comatose in the other room. then john dies and leaves dean behind with sam. sam wakes up disoriented and confused. he’s lost a lot of speech ability, and use of his legs. after his dad dying in the hospital, dean is in a rush to get them both out before whatever got him gets around to them too.
so he takes sam to bobby’s. sam uses crutches and can’t form full sentences and has emotional outbursts at the littlest of things. it’s not the put together sam that dean knows, hell, it’s more like the whiny, teenage sam from his childhood who was full of piss and vinegar and too much teenage angst to contain. it’s the repressed rage that sam holds coming out all at once. dean realizes that sam is actually extremely angry and frustrated inside, and this new shift in his mental ability is taking a big toll on him and making him feel worthless.
dean just lost his father, and lost so much of his brother as well, but sam still keeps him grounded. when he’s not working on baby, he’s in the house, helping sam around, feeding him, clothing him, talking with him for hours on end to keep him occupied. he’s all dean has left.
bobby is worried. he tells dean to get sam medical attention, that he needs speech and physical therapy, that he can’t be there for sam 24/7. dean denies it all. he says that if he isn’t there for sam, no one will be, because they’re all each other has left. sam is all that dean has left and he’s not letting him get hurt again.
keep sammy safe, dean’s heart says, but there’s that terrifying reminder of his father’s last words, kill him if you have to. dean can’t even fucking fathom why his father would tell him such a thing. he wanted him to kill sweet little sammy, who can’t string together a sentence and asks dean to make him pb&j’s for lunch. that’s who sam is to him now; the little boy from his childhood. it gives him something to do. something to focus on. keep sammy safe. dean needs purpose, direction, a task in life, and now his father is dead and his brother is hurt and what else is he except the caretaker?
dean doesn’t understand why his father would say that until the psychic episodes start. sam has awful migraines and premonition nightmares that he wakes up from crying and screaming, incoherently babbling about what he saw. and when he gets too overwhelmed or nervous, he’ll curl up into a ball, or scream, or cry, and the room will go to chaos. bottles flying, windows breaking, tables rattling, and this awful feeling in the air like sam is trying to rip dean’s lungs out of his chest. dean’s the only one who can calm sam down during his episodes. he gets even more protective of sam, much to bobby’s displeasure.
at this point, bobby is starting to get really worried. sam isn’t getting any better, if anything, he’s getting worse, constantly stressed and on edge, physically exhausted, angry with the world and angry that his body and mind won’t do what he tells them to. he’s worried about dean. dean who spends all his time with his little brother, calling him sammy and kiddo as he dresses him and feeds him and wipes the tears off his cheeks. it makes bobby feel sick. there’s just this… strange look in dean’s eyes. it’s love, sure, but it’s also obsession. absolute captivation. he looks at sam like he’s the whole damn world, and bobby’s worried that as far as dean is concerned, he is.
dean knows that sam lost a lot of cognitive and emotional ability. it’s why he treats sam like little sammy from when they were kids— something sam hated at first but begrudgingly learnt to accept— and it’s why he’s able to be so gentle and sweet with him in a way he could never be with his sam from before. but the thing is, sam’s still sam. he’s big and he’s a pain in dean’s ass and he’s so damn beautiful that it makes dean feel sick inside. so he indulges a little. he touches sam, strokes him a little during washroom breaks, and sam likes it. he’s pent up and frustrated and all he knows is that dean is safety and good feelings so it only makes sense that dean is making him feel good in another way. and dean convinces himself that sam would have always wanted this, and maybe he had, but there’s no way to know for sure. all dean knows is that they’re both safe, and happy, and that’s all that matters.
of course, bobby eventually finds out about it. that’s when all Hell breaks loose, and shit hits the fan.
this idea has been rattling around in my brain for a long long time now so pls let me know if it’s something you’d be interested in reading and i’ll throw it on my wip pile…
16 notes · View notes
amunisence · 8 months ago
Text
Friendly advice for those with computers or potentially getting a computer: SSDs are worth it.
A SSD is a solid state drive. It serves the same purpose as at HDD or hard disk drive that is found on most computers. The only real difference on a surface level is that a hard drive uses a disk and an SSD doesn't not. The only part you should care about is that a SSD runs a lot faster than a HDD. This means that a computer with a SSD as the primary storage (or the C: drive in many cases) will allow the PC to startup and shut down much faster, access/manage files faster, and last much much longer than a HDD.
If you ever turned a computer and can't do anything because the "Disk" in task manager is at 100%, it's because of the HDD.
You can have both an HDD and an SSD, but Windows (the OS or operating system) will run better on the SSD. The computer will turn on faster. It will shut down faster.
How do I know this? I've seen it twice (technically three times). I put an SSD on my old laptop from around 2015 and reinstalled windows it. The startup and shutdown process mimics a new laptop (the SSD was NOT brand new). This was a laptop that died on me right before my college exams, so it's not my primary PC anymore.
The other more compelling example is I did the same thing to my parents' old 2017(? maybe older) office computer. My parents have complained for years about it running slow. The new SSD I put on it is the first solution that actually brought new life into it.
By the way, you might think a new hard drive would have a similar effect of the new SSD, but a new hard drive is slower than a new or old SSD. It was something I experienced in my current PC while trying to switch to an SSD with larger storage. Windows had always been on my SSD and as soon as I put that OS on the hard drive, it was significantly slower.
A SSD will allow your computer to run well for so much longer. I cannot figure out why the worthwhile investment in a SSD is understated, and I won't shut up about it. Sorry if this was hard to follow. When I'm done with college I'm making an informative comic/info graphic for this.
4 notes · View notes
cringelordofchaos · 9 months ago
Text
I don't like being Serbian anymore
3 notes · View notes
starmonsterrr · 10 months ago
Note
Hey whos that handsome guy
-Ink Sans
[ * You apparently?? But also not?? I was just as confused when I got an ask from him for the first time (but also excited... my brain keeps getting too silly) ]
[ * The ask from them I just got was the second one, a screenshot of the 1st one is under the cut ]
Tumblr media
2 notes · View notes
manda-kat · 10 months ago
Text
Listened to a coworker vent about how she had to explain labor laws to our manager and talk about how people should at least follow the law at the bare minimum and then immediately go on a rant about how she only drives ten over the speed limit and cannot stand anyone who does otherwise.
2 notes · View notes