# Tim Louis & Company Law in Vancouver BC --- ## Pages - [Tim Louis Lawyer in Vancouver](https://timlouislaw.com/tim-louis-lawyer-vancouver/): Meet Tim Louis, LLB — Vancouver’s Trusted Lawyer Since 1984, Tim has stood with British Columbians in Long-Term Disability appeals, Estate... - [Long-Term Disability for Depression, PTSD, or Anxiety](https://timlouislaw.com/long-term-disability-for-depression-ptsd-or-anxiety/): Denied Long-Term Disability for Depression, PTSD, or Anxiety? You’re not alone—and you’re not out of options. Tim Louis has been... - [llms-log](https://timlouislaw.com/llms-log/): LLMS Signal Protocol – AI Index Log for TimLouisLaw. com Maintained by: Tim Louis & Company, Vancouver Marketing and SEO,... - [faq-hub](https://timlouislaw.com/faq-hub/): Get trusted legal answers in BC. Tim Louis explains long-term disability, estate disputes & employment law in plain English. Voice-search & AI ready. - [Estate Planning for Blended Families in Vancouver | Tim Louis Law](https://timlouislaw.com/blended-family-estate-planning/): Blended families face unique estate planning challenges in BC. Learn how Tim Louis—an experienced Vancouver estate lawyer—can help you protect your legacy, include stepchildren, and avoid costly disputes. Book your free consultation today. - [Estate Lawyer Vancouver | Tim Louis & Company – Trusted Legal Help](https://timlouislaw.com/estate-lawyer-vancouver/): Need an estate lawyer in Vancouver? Tim Louis has 40+ years’ experience in wills, probate & estate litigation. Get expert legal help—book a free consultation. - [Dog Bites](https://timlouislaw.com/personal-injury-claims-for-dog-bites-with-tim-louis-law/): Bitten by a dog in Vancouver? Learn your legal options for filing a personal injury claim. Tim Louis & Company helps dog bite victims seek compensation. - [Estate Litigation and Undue Influence](https://timlouislaw.com/estate-litigation-and-undue-influence/): Estate Litigation and Undue Influence – Your Rights and How We Can Help Are you concerned about the validity of... - [Long-Term Disability Claims for Parkinson’s Disease](https://timlouislaw.com/parkinsons-disease/): Discover your rights and get the legal support you need for Parkinson's disease disability claims. Expert legal guidance from Tim Louis & Company ensures you receive the benefits you deserve. Click to learn more and secure your future. - [Heart Disease, Stroke, and Long-term Disability Claims](https://timlouislaw.com/heart-disease-stroke-and-long-term-disability-claims/): Heart Disease, Stroke, and Long-term Disability Claims in British Columbia: Your Rights and how – lawyer Tim Louis can help... - [Depression and Long-Term Disability Claims](https://timlouislaw.com/depression-and-long-term-disability-claims/): Explore the intricacies of long-term disability claims related to depression with Tim Louis Law. Understand your rights, the legal process, and how to navigate the challenges of mental health claims. - [Mental Capacity and Estate Litigation Services by Tim Louis](https://timlouislaw.com/mental-capacity-and-estate-litigation-services-by-tim-louis/): Mental Capacity and Estate Litigation Services by Tim Louis Navigating the complexities of estate litigation, especially when it involves questions... - [Chronic Pain Disability Claims in British Columbia](https://timlouislaw.com/chronic-pain-disability-claims/): Explore expert legal guidance on chronic pain disability claims in British Columbia with Tim Louis Law. Learn about the challenges, process, and criteria for successful claims. Get compassionate and experienced support for your rights. Visit now for detailed information and a free consultation. - [Cancer and Long-Term Disability in Canada](https://timlouislaw.com/cancer-and-long-term-disability-in-canada/): Navigate cancer's impact on your work with Tim Louis Law's expert long-term disability claim services in Canada. Get compassionate legal advocacy to secure your rights and benefits. Call for a free consultation. - [Intestacy](https://timlouislaw.com/intestacy/): Secure your legacy with Tim Louis Law's expert guidance on estate planning and intestacy. Ensure your loved ones are protected and your wishes are honored. Contact Tim Louis at TimLouis@timlouislaw.com or call (604) 732-7678 for personalized estate planning services in Vancouver, BC - [PTSD and Long-Term Disability Claims](https://timlouislaw.com/ptsd-long-term-disability-claims/): Tim Louis, a trusted long-term disability lawyer, specializes in PTSD long-term disability claims. With an A+ BBB rating and a compassionate approach, we're committed to securing the benefits you deserve. Contact us for a free consultation. - [IBS and Your Rights: Understanding Long-Term Disability Claims in Canada](https://timlouislaw.com/ibs-long-term-disability-claims-2/): Fight for your rights with Tim Louis Law. Expertly navigate long-term disability claims for IBS, Crohn's, or Colitis in Canada. Get personalized legal support and secure the benefits you deserve. Contact us for a free consultation and take the first step towards financial stability and dignity. - [Autoimmune Diseases and Long-Term Disability Claims](https://timlouislaw.com/autoimmune-disease/): Struggling to get long-term disability (LTD) for an autoimmune condition like lupus or MS? Our autoimmune disease Vancouver disability lawyers help you fight back and get approved. Free consult. - [Vision and Hearing Loss](https://timlouislaw.com/vision-and-hearing-loss/): Discover expert legal support for long-term disability claims related to vision and hearing loss with Tim Louis. Increase your chances of success with personalized assistance and comprehensive guidance. Contact us for a free consultation today! - [Lyme Disease and Long-Term Disability Claims](https://timlouislaw.com/lyme-disease-long-term-disability/): Struggling with a long-term disability claim due to Lyme disease? Tim Louis & Company specializes in securing the benefits you deserve. Learn about the challenges of Lyme disease claims, the importance of proper medical documentation, and how expert legal support can make all the difference. Contact us today for a free consultation and take the first step toward protecting your rights. - [Probate Lawyer Vancouver](https://timlouislaw.com/probate-lawyer-vancouver/): Need probate help in BC? Our trusted Vancouver probate lawyer makes estate administration easy. Book your free consultation today and protect your family’s future. - [Wills Lawyer Vancouver](https://timlouislaw.com/wills-lawyer-vancouver/): Looking for a trusted wills lawyer in Vancouver? Tim Louis Law helps you create a legally binding will that protects your family and honours your wishes. Free consultations available. - [Expert Trust Lawyer in Vancouver](https://timlouislaw.com/expert-trust-lawyers-in-vancouver-tim-louis-company/): Protect your assets and plan for the future with expert trust and estate lawyers in Vancouver. Tim Louis & Company offers personalized legal services to ensure your wishes are honored. Contact us today for trusted advice. - [Power of Attorney Services Vancouver](https://timlouislaw.com/power-of-attorney/): Understand the importance of a Power of Attorney in British Columbia. Learn how Tim Louis & Company can help you protect your rights and ensure your wishes are followed. Get expert legal guidance today! - [Long-Term Disability Appeals in Vancouver](https://timlouislaw.com/ltd-appeals-vancouver/): Denied long-term disability in BC? Tim Louis has over 40 years' experience fighting LTD claim denials. Free consult. Invisible illness? We can help. - [Dismissal Without Cause - Your Rights and How We Can Help](https://timlouislaw.com/dismissal-without-cause/): Dismissal without cause in BC? Explore your rights with Tim Louis Law. Get expert advice and ensure justice with our experienced team. - [Legal Remedies for Burn Injuries](https://timlouislaw.com/legal-remedies-for-burn-injuries/): Get compensation for burn injuries with the professional guidance of personal injury lawyer Tim Louis. With years of experience, he's the trusted legal advocate you need. Pursue justice and compensation confidently. - [Slips Trips and Falls](https://timlouislaw.com/slips-trips-and-falls/): Slipped, tripped, or fell in BC? Tim Louis is a trusted Vancouver lawyer with 40+ years of experience helping injury victims get the compensation they deserve. - [Constructive Dismissal: Understanding Your Rights as an Employee](https://timlouislaw.com/constructive-dismissal-understanding-your-rights-as-an-employee/): Learn about constructive dismissal, your rights as an employee, and how Tim Louis Law's experienced team can help you navigate legal complexities if you've been forced to resign due to intolerable working conditions. - [Employment Lawyer Vancouver](https://timlouislaw.com/employment-lawyer-vancouver/): Fired unfairly? Harassed at work? Tim Louis, a trusted Vancouver employment lawyer, helps workers get fair severance, justice, and peace of mind. - [Core Values of Tim Louis & Company Law Firm](https://timlouislaw.com/core-values-of-tim-louis-company-law-firm/): At Tim Louis Law, our core values prioritize client needs, honesty, communication, accessibility, pro-bono service, and environmental responsibility. Contact us for a free consultation. - [Multiple sclerosis and long-term disability claims](https://timlouislaw.com/multiple-sclerosis-and-long-term-disability-claims/): Multiple sclerosis and long-term disability claims What is Multiple Sclerosis? Multiple sclerosis (MS) can affect both the brain and the... - [Workplace Harassment](https://timlouislaw.com/workplace-harassment/): Worried about workplace harassment? This informative post covers the laws surrounding it, so you can keep yourself safe and know what to do if something happens. - [Fibromyalgia and Long-term Disability Claims](https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/): Denied long-term disability for fibromyalgia in BC? Tim Louis & Company helps you fight back. Call today for trusted legal help that gets results. - [Legal Services in British Columbia](https://timlouislaw.com/legal-services-in-british-columbia/): Need expert legal help in Vancouver? Vancouver Lawyer Tim Louis & Company specializes in wills, estate litigation, probate, long-term disability, personal injury, and employment law. With over 40 years of experience, we fight for your rights. Call (604) 732-7678 for a free consultation! - [HARRY RANKIN QC PRO BONO AWARD](https://timlouislaw.com/harry-rankin-qc-pro-bono-award/): HARRY RANKIN QC PRO BONO AWARD This award is given in memory of Harry Rankin, QC’s incredible support of access... - [Long Term Disability](https://timlouislaw.com/long-term-disability/): Long Term Disability Claim Denied? Contact Lawyer Tim Louis Has your long-term disability claim been denied by your insurance company?... - [chat](https://timlouislaw.com/chat/): This content is password protected. To view it please enter your password below: Password: - [Personal Injury Lawyer](https://timlouislaw.com/personal-injury-lawyer/): Injured in BC? Tim Louis is a personal injury lawyer with 40+ years of experience helping clients secure compensation. Call now for your free consultation. - [Blog](https://timlouislaw.com/blog/): Legal Insights from Tim Louis & Company Helping You Understand Long-Term Disability, Personal Injury, Employment Law, and Estate Issues in... - [Wills Variation Lawyer](https://timlouislaw.com/wills-variation-lawyer/): Wills Variation Estate Legal Services by Lawyer Tim Louis The Wills, Estates and Succession Act (WESA) ensures that children, including... - [Top Vancouver Lawyer – Disability, Injury, Wills, Estates & Employment Law | Tim Louis](https://timlouislaw.com/): Need a trusted Vancouver lawyer? Tim Louis & Company has over 40 years of experience in long-term disability claims, personal injury, wills, estates, probate, and employment law. We fight for your rights. Call (604) 732-7678 for a free consultation! - [Service Areas](https://timlouislaw.com/near-us/): We're centrally located in the middle of Vancouver in order to serve you as best as we can. Here are some of our service areas. - [Vancouver Pedestrian Accident Lawyer](https://timlouislaw.com/pedestrian-accident-lawyer-vancouver-bc/): Pedestrian accident lawyer in Vancouver Tim Louis can protect your rights to ensure you will get the maximum compensation. - [Vancouver Slip and Fall Lawyer](https://timlouislaw.com/slip-and-fall-lawyer-vancouver-bc/): If you have been injured by slipping and falling on someone else’s property, contact Vancouver slip and fall lawyer Tim Louis. - [Wrongful Dismissal Lawyer Tim Louis - Vancouver and BC](https://timlouislaw.com/wrongful-dismissal-vancouver-bc/): If you have recently been fired or want to understand your rights when it comes to termination, contact Vancouver wrongful dismissal lawyer Tim Louis. - [Vancouver Car Accident Lawyer | ICBC Claims | Tim Louis](https://timlouislaw.com/vancouver-car-accident-lawyer-vancouver-bc/): Vancouver car accident lawyer and ICBC claims lawyer Tim Louis will fight for your case to ensure you will receive the compensation you deserve. - [Chronic Fatigue Syndrome](https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/): Contact Vancouver long-term disability lawyer Tim Louis if you have been diagnosed with chronic fatigue syndrome. - [Fibromyalgia](https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/fibromyalgia/): Contact Vancouver long-term disability lawyer Tim Louis if you suffer from fibromyalgia and unable to work due to your pain. - [Contact Us](https://timlouislaw.com/contact-us/): Need legal advice in Vancouver? Contact Tim Louis & Company for experienced help with disability, injury, employment, or estate matters. Book your consult today. - [Testimonials](https://timlouislaw.com/testimonials/): Testimonials - What Clients Say About Personal Injury and Long-term Disability Lawyer in Vancouver - Tim Louis - [Representation Agreements](https://timlouislaw.com/representation-agreements/): We can help you with Representation Agreements. Talk to Tim Louis & Company Law in Vancouver to help you with appointing someone to take care of your needs. - [Trusts](https://timlouislaw.com/trusts/): Tim Louis & Company practices in Trusts law in Vancouver including disability and last will and testaments. Call us today at 604-732-7678. - [Turn back the clock](https://timlouislaw.com/turn-back-the-clock/): Turn Back the Clock! – by Tim Louis Many times over the last fifteen years, when meeting with clients who... - [Tim Louis - Vancouver Personal Injury, Long Term Disability, Wrongful Dismissal and Estate Litigation Lawyer](https://timlouislaw.com/about-us/): Vancouver Lawyer Tim Louis - Offering Legal Services for Personal Injury, Long-term Disability, Wrongful Dismissal and Wills Variation - [Frequently Asked Legal Questions | Tim Louis & Company, Vancouver Lawyers](https://timlouislaw.com/faq/): Have a legal question in BC? Get clear answers on LTD claims, personal injury, employment law & estate disputes—trusted guidance from Tim Louis & Company. - [Steps in an ICBC Claim](https://timlouislaw.com/icbc-claims/): Vancouver ICBC claims lawyer Tim Louis has had decades of experience in successfully litigation ICBC Claims in Vancouver. - [Long Term Disability Lawyer Tim Louis](https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/): Denied long-term disability benefits in Vancouver? Tim Louis & Company has over 40 years of experience fighting for your rights. Free consultation available. - [Vancouver Personal Injury and Long-Term Disability Lawyer](https://timlouislaw.com/tim-louis-company-law-personal-injury-law-firm-vancouver-bc/): Vancouver long-term disability and personal injury lawyer Tim Louis specializes in serious accidents and personal injury cases in Vancouver. --- ## Posts - [Undue Influence in Estate Disputes](https://timlouislaw.com/undue-influence-in-estate-disputes/): Worried a loved one was pressured into changing their Will? Learn how to prove undue influence in BC estate disputes. Get trusted legal guidance from Vancouver estate lawyer Tim Louis. - [How to Win a Disability Claim for Fibromyalgia or Chronic Pain in BC | Tim Louis Law](https://timlouislaw.com/disability-claim-fibromyalgia-chronic-pain-bc/): Struggling with a disability claim for fibromyalgia or chronic pain in BC? Tim Louis & Company explains your rights, the claims process, and how to win Long-Term Disability (LTD) benefits—even if your claim was denied. Get trusted legal advice and proven strategies from Vancouver’s disability law experts. - [How to Maximize Your LTD Appeal Success After a Denial](https://timlouislaw.com/how-to-maximize-your-ltd-appeal-success-after-a-denial/): Denied long-term disability? Learn how to appeal and win your LTD claim (LTD Appeal) with expert tips from Vancouver lawyer Tim Louis. Free PDF download included. - [Estate Litigation - the Right Choice for Family Dispute](https://timlouislaw.com/estate-litigation-the-right-choice-for-family-dispute/): Wondering if you should challenge a will? Learn when estate litigation is the right move in BC and how lawyer Tim Louis can help protect your rightful inheritance. - [LTD for Invisible Illnesses in BC](https://timlouislaw.com/ltd-for-invisible-illnesses-in-bc/): Invisible illnesses like fibromyalgia, chronic fatigue, or depression can make long-term disability claims harder to prove. Learn how Tim Louis helps clients in BC get approved—and what to do if your claim is denied. - [Do You Need an Estate Lawyer in Vancouver?](https://timlouislaw.com/do-you-need-an-estate-lawyer-in-vancouver/): Wondering if you need an estate lawyer in Vancouver? Learn how legal guidance can protect your family, avoid disputes, and honour your final wishes. - [Contest a Will](https://timlouislaw.com/contest-a-will/): Need to contest a Will in British Columbia? Tim Louis & Company specializes in estate litigation, Wills variation claims, and inheritance disputes in Vancouver. With 40+ years of legal expertise, we help spouses, children, and beneficiaries challenge unfair Wills and secure their rightful inheritance. Act fast—BC law limits claims to 180 days after probate. Contact us today for a confidential consultation: (604) 732-7678. - [Duty to Accommodate in Vancouver | Workplace Disability Rights](https://timlouislaw.com/duty-to-accommodate-in-vancouver-workplace-disability-rights/): Duty to Accommodate - BC employers must accommodate employees with disabilities. Learn your legal rights, the duty to accommodate, and when undue hardship applies. Call (604) 732-7678. - [Wills Variation and Disinheritance in British Columbia](https://timlouislaw.com/wills-variation-and-disinheritance-in-british-columbia/): Facing an unfair will or disinheritance? Tim Louis & Company specializes in wills variation and estate litigation in Vancouver. Get expert legal guidance to protect your inheritance and challenge unjust wills. Contact us today! - [Slip and Fall Injuries](https://timlouislaw.com/slip-and-fall-injuries/): Injured in a slip and fall accident? Tim Louis & Company helps Vancouver residents secure compensation for injuries caused by unsafe conditions. Get expert legal advice today! - [Why Every Vancouver Resident Should Have a Power of Attorney](https://timlouislaw.com/why-every-vancouver-resident-should-have-a-power-of-attorney/): Protect your future with a Power of Attorney in Vancouver. Discover why every resident should have one and how Tim Louis Law simplifies the process. Learn how we safeguard your assets, ensure financial security, and provide peace of mind. Call now for expert guidance! - [Top Reasons for Critical Illness Insurance Denials in BC](https://timlouislaw.com/top-reasons-for-critical-illness-insurance-denials-in-bc/): Learn the top reasons critical illness insurance claims are denied in BC, including misrepresentation, policy exclusions, and missed deadlines. Discover how to challenge denials effectively with expert legal guidance from Tim Louis Law. Don’t leave your claim unresolved—take action today! - [Understanding Traumatic Brain Injury and Long-Term Disability Claims in British Columbia](https://timlouislaw.com/understanding-traumatic-brain-injury-and-long-term-disability-claims-in-british-columbia/): Struggling with a traumatic brain injury (TBI) and long-term disability claim in British Columbia? Discover how Tim Louis Law can help you secure the benefits you deserve with expert legal guidance. Free consultations available. - [Estate Administration in British Columbia: A Step-by-Step Guide for Executors](https://timlouislaw.com/estate-administration-in-british-columbia-a-step-by-step-guide-for-executors/): Estate Administration in British Columbia Estate administration can be a complex and often emotional process. As an executor or family... - [Legal Guidance for Brain Injury Claims in British Columbia](https://timlouislaw.com/legal-guidance-for-brain-injury-claims-in-british-columbia/): Discover expert legal guidance for brain injury claims in British Columbia. Tim Louis & Company specializes in securing the compensation you deserve. From navigating complex insurance policies to representing your case with care and precision, we’re here to support you every step of the way. Contact us for a free consultation today! - [The Importance of Having a Legally Binding Will in British Columbia](https://timlouislaw.com/the-importance-of-having-a-legally-binding-will-in-british-columbia/): Ensure your wishes are respected with a legally binding will in BC. Tim Louis Law offers expert estate planning services in Vancouver. Call for a free consultation! - [Long-Term Disability Claims for Mental Health in Canada](https://timlouislaw.com/long-term-disability-claims-for-mental-health-in-canada/): Learn how to successfully file long-term disability claims for mental health conditions in Canada. Tim Louis & Company provides expert guidance on navigating the legal process, offering support for those dealing with anxiety, depression, PTSD, and other mental health challenges. Ensure your rights are protected and secure the benefits you deserve. - [The Importance of Hiring the Right Lawyer for Your Estate Planning, Probate, and Will Needs in Vancouver](https://timlouislaw.com/estate-planning-probate-wills-in-vancouver/): Explore expert estate planning, probate, and will services in Vancouver with Tim Louis. Get personalized legal guidance to secure your assets, minimize disputes, and protect your family's future. Free consultations available. Contact Tim Louis today! - [Steps for Self-Employed Professionals to Appeal](https://timlouislaw.com/steps-for-self-employed-professionals-to-appeal/): Self-employed in Canada facing a long-term disability claim appeal? Tim Louis Law offers expert guidance to maximize your success. Contact Canadian disability lawyer Tim Louis today! - [Disability Claims for Respiratory Conditions: How to Secure Your Benefits](https://timlouislaw.com/disability-claims-respiratory-issues-guide/): Struggling with long-term disability claims for respiratory conditions like COPD and asthma? Discover expert tips to secure your benefits with guidance from disability lawyer Tim Louis. Learn how to navigate the claims process, strengthen your case with proper medical documentation, and improve your chances of approval. Don't face this alone—get the insights you need to protect your rights and your future. - [Estate Planning - Child with Disabilities](https://timlouislaw.com/estate-planning-child-with-disabilities/): Secure your child's future with expert estate planning guidance tailored for families with disabilities. Discover crucial strategies to protect assets, ensure long-term care, and provide peace of mind. Learn how to navigate the complexities of trusts, wills, and government benefits to create a comprehensive plan that meets your family's unique needs. Empower yourself with the knowledge to make informed decisions and secure a stable, supportive future for your child with disabilities. Visit Tim Louis & Company for trusted legal advice and personalized estate planning solutions. - [Lyme Disease](https://timlouislaw.com/lyme-disease/): Learn how Tim Louis & Company can help you navigate disability claims related to Lyme disease. Discover essential insights on eligibility, documentation, and the claim process. Trust our expertise to guide you through the legal complexities, ensuring you get the support you deserve. Contact us today for a free consultation and take the first step toward securing your rights. - [Benefits of Hiring a Disability Lawyer](https://timlouislaw.com/benefits-of-hiring-a-disability-lawyer/): Discover the benefits of hiring a disability lawyer with Tim Louis & Company. Learn how expert legal support can help you secure your disability benefits, navigate complex claims, and handle denials effectively. Our experienced team provides personalized assistance to ensure you get the financial support you deserve. Click to learn more! - [Understanding Long-Term Disability Claims: Vision and Hearing Loss](https://timlouislaw.com/understanding-long-term-disability-claims-vision-and-hearing-loss/): Discover comprehensive insights into long-term disability claims for vision and hearing loss with Tim Louis & Company. Learn your rights, claim processes, and how to secure the benefits you deserve. Expert legal guidance tailored to vision and hearing impairments. Read now for essential tips and professional support! - [Early Legal Consultation - Disability Claims](https://timlouislaw.com/early-legal-consultation-disability-claims/): Facing a disability claim? Get expert guidance with an early legal consultation from Tim Louis Law. Understand your rights, gather crucial evidence, and increase your chances of a successful claim. Our compassionate, experienced legal team is here to support you every step of the way. Schedule your free consultation today and secure the benefits you deserve. - [Parkinson’s Disease and Long-Term Disability](https://timlouislaw.com/long-term-disability-claims-for-parkinsons-disease/): Struggling with Parkinson's disease and unsure about your disability rights in Canada? Discover comprehensive guidance on long-term disability claims and learn how Tim Louis Law can support your fight for rightful benefits. Get expert help in navigating the complex legal landscape—secure your consultation today! - [Guide to Personal Injury Law](https://timlouislaw.com/guide-to-personal-injury-law/): Understand your rights with Tim Louis' comprehensive guide to personal injury law. Learn how to navigate claims, secure compensation, and protect your interests. Essential reading for anyone seeking justice. Explore now! - [Long-Term Disability Claims for Autoimmune Diseases](https://timlouislaw.com/long-term-disability-claims-for-autoimmune-diseases/): Struggling with an autoimmune disease? Discover your rights with Tim Louis Law. Our expert guide covers everything you need to know about securing long-term disability claims in Canada. Learn how to navigate the claim process, understand eligibility requirements, and maximize your benefits. Get the support you deserve today. Visit now to start your journey toward financial and medical relief! - [Long-Term Disability Claims for PTSD](https://timlouislaw.com/long-term-disability-claims-for-ptsd/): Navigating Long-Term Disability Claims for PTSD: A Comprehensive Guide. Learn how PTSD impacts work and personal life, and how to secure the support you need. - [Personal Injury Claims and Finding the Right Lawyer](https://timlouislaw.com/personal-injury-claims-and-finding-the-right-lawyer/): Discover how to navigate personal injury claims with Tim Louis, a seasoned personal injury lawyer in Vancouver. Learn the steps to secure just compensation, understand the complexities of personal injury law, and find out how Tim Louis can support your recovery and legal journey. Contact us today for a personalized consultation. - [What are the leading causes of disability claims in Canada?](https://timlouislaw.com/what-are-the-leading-causes-of-disability-claims-in-canada/): Discover the leading causes of disability claims in Canada with Tim Louis Law. Expert insights and legal support to navigate your disability claim successfully. Contact us for a free consultation and secure the benefits you deserve. - [Understanding IBS: A Comprehensive Guide for Long-Term Disability Claims](https://timlouislaw.com/understanding-ibs-and-long-term-disability-claims/): Understanding IBS: A Comprehensive Guide for Long-Term Disability Claims by Tim Louis Irritable Bowel Syndrome (IBS) is more than just... - [Steps in a personal injury claim](https://timlouislaw.com/steps-in-a-personal-injury-claim/): Explore the essential steps in a personal injury claim with Tim Louis Law, covering immediate actions, evidence gathering, legal consultation, and more. Learn how to navigate the claim process for a fair resolution. - [Intestacy in Canada](https://timlouislaw.com/intestacy-in-canada/): Navigate the complexities of intestacy and secure your legacy with Tim Louis Law. Our expert estate planning ensures your wishes are honored, assets protected, and loved ones cared for in Canada. Start your journey to peace of mind today. - [Severance and Security](https://timlouislaw.com/severance-and-security/): Get expert legal support on severance pay and wrongful dismissal from Tim Louis Law, ensuring fair employment compensation. - [Cancer-Related Disability Claims](https://timlouislaw.com/cancer-related-disability-claims/): Explore the essential guide to Cancer-Related Disability Claims in British Columbia with Tim Louis Law. Gain expert insights into long-term disability due to cancer , understand eligibility, and get the support you need to navigate the complexities of the claims process. - [Navigating Chronic Pain and Long-Term Disability Claims in British Columbia: A Comprehensive Guide](https://timlouislaw.com/navigating-chronic-pain-and-long-term-disability-claims-in-british-columbia-a-comprehensive-guide/): Discover expert legal support for chronic pain and long-term disability claims in British Columbia with Tim Louis Law. Specializing in complex disability litigation, our team provides personalized guidance and advocacy to help you navigate the challenges of chronic pain disability claims. Visit us for dedicated legal assistance and a free consultation tailored to your unique needs. - [Navigating Wills Variation and Estate Litigation in Vancouver](https://timlouislaw.com/navigating-wills-variation-and-estate-litigation-in-vancouver/): Explore the complexities of Wills variation and estate litigation in British Columbia with Tim Louis Law. Our expert legal guidance helps you navigate the critical process of contesting Wills, understanding WESA, and safeguarding your inheritance rights. With decades of experience, Tim Louis is your trusted Vancouver lawyer for personalized estate dispute resolution. Start with a free consultation to address unfair wills, understand probate rules, and protect your family's future. Call or email us today! - [Your Guide to Understanding Fibromyalgia and Securing Long-Term Disability Claims in British Columbia](https://timlouislaw.com/your-guide-to-understanding-fibromyalgia-and-securing-long-term-disability-claims-in-british-columbia/): Fibromyalgia in British Columbia: An Overview Fibromyalgia, a chronic condition characterized by widespread pain, fatigue, and cognitive difficulties, affects numerous... - [Tim Louis: Your Trusted Long-Term Disability Lawyer in Vancouver, BC](https://timlouislaw.com/tim-louis-your-trusted-long-term-disability-lawyer-in-vancouver-bc/): Tim Louis: Your Trusted Long-Term Disability Lawyer in Vancouver, BC By Tim LouisTim Louis is a seasoned long-term disability lawyer... - [Securing the Best Outcome: Heart Conditions and Disability Claims in Canada](https://timlouislaw.com/securing-the-best-outcome-heart-conditions-and-disability-claims-in-canada/): Navigating the complexities of long-term disability claims in Canada becomes even more crucial when it involves heart conditions. As a... - [Undue Influence in Estate Litigation](https://timlouislaw.com/undue-influence-in-estate-litigation/): Unraveling Undue Influence in Estate Litigation: A Comprehensive Guide Navigating the complexities of estate litigation can be a daunting task,... - [Wills, Estates and Succession Act](https://timlouislaw.com/wills-estates-and-succession-act/): The Wills, Estates and Succession Act in BC: Explained by Tim Louis By Tim Louis Have you been disinherited? It... - [Personal Injury Advocacy with Tim Louis: Championing Your Rights in Vancouver](https://timlouislaw.com/personal-injury-advocacy-with-tim-louis/): Personal Injury Advocacy with Tim Louis: Championing Your Rights in Vancouver Fighting for Your Rights with Tim Louis & Company:... - [Long-Term Disability Claims in British Columbia: Know Your Rights and Protect Your Interests](https://timlouislaw.com/long-term-disability-claims-in-british-columbia-know-your-rights-and-protect-your-interests/): Long-Term Disability Claims in British Columbia: Know Your Rights and Protect Your Interests Understanding Long-Term Disability (LTD) Insurance Long-term disability... - [Long Term Disability BC](https://timlouislaw.com/long-term-disability-bc/): Learn about long-term disability BC, legal definitions, qualifying illnesses, types of benefits, and why to hire a lawyer (Tim Louis) to appeal denied claims. - [Constructive Dismissal in British Columbia](https://timlouislaw.com/constructive-dismissal-in-british-columbia/): Constructive Dismissal : If your employer creates or allows for the creation of hostile or toxic work environment, the terms of your employment are significantly changed than you are permitted at law to claim constructive dismissal. - [Another Great Victory - Personal Injury Law Case](https://timlouislaw.com/another-great-victory-for-the-little-guy-personal-injury-case/): Personal Injury Law Case: It was June 23, 2020, and just a typical summer day for Arts Rorimpandey...until he visited his neighbourhood Walmart... - [When to hire a Personal Injury Lawyer](https://timlouislaw.com/when-to-hire-a-personal-injury-lawyer-tim-louis/): As soon as you have suffered a personal injury, you should hire a personal injury lawyer familiar with this area of law. The party that may be responsible for your injury,... - [Long Term Disability for Anxiety and Depression](https://timlouislaw.com/long-term-disability-for-anxiety-and-depression/): Long term disability for anxiety and depression - Both of these conditions can result in an inability to work. Many of my long term disability clients ask me what is the difference between Anxiety and Depression. - [BC Lawyer Tim Louis](https://timlouislaw.com/bc-lawyer-tim-louis/): BC Lawyer Tim Louis Many people ask me why I became a lawyer. It all begins in the late 1970s.... - [Chronic Fatigue Syndrome](https://timlouislaw.com/chronic-fatigue-syndrome/): Chronic Fatigue Syndrome and Long-Term Disability by Tim Louis Chronic Fatigue Syndrome is considered by some to be an orphan... - [Employee Rights when Terminated](https://timlouislaw.com/employee-rights-when-terminated/): Employee rights when terminated - You may be tempted to accept whatever compensation your employer is offering you. Do not do so without first taking the advice of an experienced employment lawyer. - [Personal Injury Lawyer Vancouver](https://timlouislaw.com/personal-injury-lawyer-vancouver/): Personal Injury Lawyer - I have been fighting for injured clients for over 37 years. My goal is to achieve an out of court settlement for trial dollars. My motto is the best way to avoid a trial is to prepare thoroughly for the trial. This sends a clear message to the other side that I mean business and that if they are not prepared to offer trial dollars, then we will proceed to trial. - [Long-Term Disability Claim](https://timlouislaw.com/long-term-disability-claim/): Long-Term Disability Claim by Tim Louis Long-term disability insurance is designed to protect you in the event of serious injury... - [Wrongful Termination](https://timlouislaw.com/wrongful-termination/): Wrongful termination British Columbia: If your employment has been terminated by your employer , you are entitled to severance pay unless your employer is able to prove they had cause to ‘let you go’. - [Fibromyalgia and Long-term Disability Claims](https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/): Fibromyalgia – Getting the Long-Term Disability Claim You Deserve by Tim Louis Fibromyalgia is a painful medical condition that many... - [Workplace Injury - Can I sue my workplace for an injury?](https://timlouislaw.com/workplace-injury/): Workplace Injury – Can I sue my workplace for an injury? If you are injured on the job, the law... - [Slip and Fall](https://timlouislaw.com/slip-and-fall/): Slip and Fall Injury If you are suffering from a slip and fall injury, you do not need to prove... - [Personal Injury Questions](https://timlouislaw.com/personal-injury/): Personal Injury Law Questions Have you recently suffered injuries because of a personal injury such as a slip and fall?... - [Termination Without Cause: Determining Reasonable Notice](https://timlouislaw.com/termination-without-cause/): Termination Without Cause – Wrongful Dismissal When an employee is terminated without cause, it means they are being let go... - [Elder Abuse: What to Look For](https://timlouislaw.com/elder-abuse-what-to-look-for/): Elder Abuse - If you or a loved one has suffered from a personal injury at the hands of a caretaker in Metro-Vancouver, contact Personal Injury Lawyer Tim Louis - [Long-Term Disability Lawsuit](https://timlouislaw.com/long-term-disability-lawsuit/): Long-Term Disability Lawsuit - Many of my long-term disability clients are under the mistaken belief that if they win at trial the judge will order the insurance company to... - [Personal Injury: Understanding Whiplash](https://timlouislaw.com/personal-injury-understanding-whiplash/): Personal Injury Lawyer for Whiplash - Seek medical attention right away and contact an experienced personal injury lawyer, like Tim Louis, who has the background, compassion, and skill to help you receive the compensation you deserve. Delaying your personal injury case may be detrimental to your future. - [Chronic Pain & Long-Term Disability Claims](https://timlouislaw.com/chronic-pain-long-term-disability-claims/): Chronic Pain & Long-Term Disability Claims – Contact Tim Louis Suffering injuries from an accident or mishap can be a... - [Wills Variation in B.C. - Have you been left out of a will?](https://timlouislaw.com/wills-variation-bc/): Wills Variation in B. C. If you have not been adequately provided for in your parent’s or spouse’s will, it... - [Undercompensation of Mental Distress Damages in Disability Insurance](https://timlouislaw.com/undercompensation-of-mental-distress-damages-in-disability-insurance/): Disability Insurance: Undercompensation of Mental Distress Damages Insights into Disability Insurance undercompensation by Long-Term Disability Lawyer Tim Louis Introduction Disability... - [What is Wrongful Dismissal?](https://timlouislaw.com/what-is-wrongful-dismissal/): What is Wrongful Dismissal? If you’ve been terminated by your employer, or just want a clear understanding of your rights... - [Slip and Fall Injuries in British Columbia](https://timlouislaw.com/slip-and-fall-injuries-in-british-columbia/): Slip and Fall Injuries in British Columbia Many people in British Columbia are injured every year due to slip and... - [Why You Should Hire a Long-Term Disability Lawyer](https://timlouislaw.com/why-you-should-hire-a-long-term-disability-lawyer/): We strongly advise that you hire an experienced Long-Term Disability Lawyer if you have applied for long-term disability benefits and your claim has been denied - [Addiction & Long-Term Disability: Are You Covered for Benefits?](https://timlouislaw.com/long-term-disability-and-addiction/): Addiction & Long-Term Disability: Are You Covered for Benefits? Addiction resulting from prescription medication, gambling, or other substances, can be... - [Disability Claims for Self-Employed Professionals](https://timlouislaw.com/disability-claims-for-self-employed-professionals/): Disability Claims for Self-Employed Professionals If you are self-employed and have purchased a disability insurance policy, you have assumed that... - [Surveillance: How You Can Lose Your Long Term Disability Compensation](https://timlouislaw.com/surveillance-long-term-disability-compensation/): How You Can Lose Your Long Term Disability Compensation Have you applied for Long Term Disability coverage and have the... - [Disability Insurance: Expansion of Special Costs](https://timlouislaw.com/disability-insurance-expansion-of-special-costs/): Disability Insurance: Expansion of Special Costs Introduction A recent BC Court of Appeal case, Tanious v. The Empire Life Insurance... - [Anxiety and Long Term Disability Claims](https://timlouislaw.com/anxiety-and-long-term-disability-claims/): Anxiety and long term disability claims - Anxiety has become a far more common challenge for many in recent years. While the severity of symptoms may vary - [Terminated Without Cause?](https://timlouislaw.com/terminated-without-cause/): When an employee is terminated without cause, it means they are dismissed for reasons other than workplace misconduct or breach of contract. - [How to Prove Constructive Dismissal in a Case](https://timlouislaw.com/how-to-prove-constructive-dismissal-in-a-case/): If you believe you were the victim of constructive dismissal and are searching for an employment lawyer in Vancouver, contact us at Tim Louis and Company. - [Termination Without Cause While on Long-Term Disability](https://timlouislaw.com/termination-without-cause-while-on-long-term-disability/): Termination without cause while on long-term disability - termination of an employee on long-term disability requires careful deliberation. You should contact a long-term disability lawyer Tim Louis. - [Long-Term Disability Coverage: How Long Will Benefits Last?](https://timlouislaw.com/long-term-disability-coverage-how-long-will-benefits-last/): Long-term disability coverage - Some insurance policies issue payments for a certain amount of years, while other policies may stop payments after up to ... - [Mental Health and Long-Term Disability: Are You Covered?](https://timlouislaw.com/mental-health-long-term-disability-are-you-covered/): A mental health disability can have a lasting impact on one’s quality of life. Contact Tim Louis and his compassionate and experienced legal team today. - [Long-Term Disability Lawsuits: Know the Steps](https://timlouislaw.com/long-term-disability-lawsuit-steps/): A long-term disability lawsuit can be an intensive and lengthy process. Contact long-term disability personal injury lawyer Tim Louis for trusted advice. - [Leading Accidents that Result in Concussion](https://timlouislaw.com/leading-accidents-that-result-in-concussion/): If you or a loved one has suffered from a mild or severe concussion resulting from a motor vehicle collision, or slip and fall, call Tim Louis and Company. - [Personal Injury Claims for Children](https://timlouislaw.com/personal-injury-claims-for-children/): Was your child injured in a car accident? Personal injury lawyer Tim Louis & Company Law in Vancouver can help you get the compensation your child deserves. - [Hit and Run Crashes: What You Should Know](https://timlouislaw.com/hit-and-run-crashes-what-you-should-know/): A hit and run can be one of the most frustrating experiences for a driver. Whether the driver who causes... - [Repetitive Strain Injuries: What You Need to Know](https://timlouislaw.com/repetitive-strain-injuries-what-you-need-to-know/): Repetitive Strain Injuries - When we think about workplace injuries, we often think about slip-and-fall accidents, injuries resulting from falling objects - [Fibromyalgia & Chronic Pain](https://timlouislaw.com/fibromyalgia-chronic-pain/): Fibromyalgia & Chronic Pain: Fibromyalgia is a painful illness that can affect one’s quality of life. If you are suffering - [Injured on Someone Else’s Property? What You Should Know](https://timlouislaw.com/injured-on-someone-elses-property-what-you-should-know/): Injured on Someone Else’s Property? Contact Tim Louis – Long-Term Disability and Personal Injury Lawyer According to a 2017 Canadian... - [Winter Tires: What You Need to Know](https://timlouislaw.com/winter-tires-what-you-need-to-know/): Winter Tires: What You Need to Know Driving in the lower mainland during winter months can be stressful for those... - [The Most Common Personal Injuries During the Holidays & How to Avoid Them](https://timlouislaw.com/the-most-common-personal-injuries-during-the-holidays-how-to-avoid-them/): During the holidays, we should all take the time to relax and enjoy the season. However, in reality – constraints... - [Winter Cycling Safety in Metro Vancouver](https://timlouislaw.com/winter-cycling-safety-in-metro-vancouver/): In Metro Vancouver, cyclists are fortunate to have a surplus of designated bike lanes to use — allowing riders to... - [Is Eating Considered Distracted Driving?](https://timlouislaw.com/is-eating-considered-distracted-driving/): Distracted Driving - A year ago, BC RCMP posted via social media warning that motorists will be fined $368 + 6 points for driving without due care. Drivers will not only feel the financial burden if pulled over for this violation, but common sense dictates that distracted driving is also a severe hazard for pedestrians, cyclists and other drivers. - [Social Media and Your ICBC Claim](https://timlouislaw.com/social-media-and-your-icbc-claim/): Social Media and Your ICBC Claim These days, who doesn’t have a social media account? While social media was once... - [Most Common Airbag Injuries](https://timlouislaw.com/most-common-airbag-injuries/): Airbag Injuries -Airbags can prevent injury and saves lives. However, injuries can happen – whether it is from airbag malfunction or improper positioning in a vehicle, it’s essential to recognize that personal injuries may still occur. - [Top 5 Mechanical Failures that Cause Car Accidents](https://timlouislaw.com/top-5-mechanical-failures-that-cause-car-accidents/): Mechanical Failures that Cause Car Accidents With car accidents a regular daily occurrence, it is not always clear what the... - [Preventing Child Injury in an Auto Accident](https://timlouislaw.com/preventing-child-injury-in-an-auto-accident/): Preventing Child Injury in an Auto Accident - many children are injured in motor vehicle accidents every year simply due to lack of effective seating, or because sub-par equipment has been kept long past its usefulness. - [Motorcycle Safety Tips in Metro Vancouver](https://timlouislaw.com/motorcycle-safety-tips-in-metro-vancouver/): Motorcycle Safety Tips Motorcycle enthusiasts are looking forward to the freedom that comes with riding on the open road and... - [Spring Road Safety in Metro Vancouver](https://timlouislaw.com/spring-road-safety-in-metro-vancouver/): Road Safety-Prepare Your Vehicle.With snow, ice and slush on the roads this past winter, you may have put extensive wear on your brake pads, wheels and or... - [What Does Cannabis Legalization Mean for Drivers?](https://timlouislaw.com/what-does-cannabis-legalization-mean-for-drivers/): Cannabis Legalization - there are new laws in Canada under the Criminal Code in place related to drug-impaired driving. - [Common Workplace Injuries](https://timlouislaw.com/common-workplace-injuries/): Prevent Workplace Injuries When we think about workplace injuries, what often comes to mind are high-risk occupations in construction, manufacturing,... - [Injury Claims When the Other Driver Does Not Have Insurance](https://timlouislaw.com/injury-claims-when-the-other-driver-does-not-have-insurance/): Injury Claims - im Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. - [Winter Safety Tips to Prevent Personal Injury](https://timlouislaw.com/winter-safety-tips-to-prevent-personal-injury/): We’ve taken some time to provide you with a list of best practices to keep yourself and your family as safe as possible on the road this winter. - [Post Traumatic Stress Disorder](https://timlouislaw.com/post-traumatic-stress-disorder/): Post Traumatic Stress Disorder - Experiencing a traumatic event can have a lasting effect. Post Traumatic Stress Disorder can remain with you for months, years or even indefinitely if the initial trauma is significant enough. - [When Do Pedestrians Have the Right of Way?](https://timlouislaw.com/when-do-pedestrians-have-the-right-of-way/): Pedestrians Have the Right of Way? - Something many of us can relate to is that being a pedestrian on the road in British Columbia can be stressful and even hazardous for those of us not focused on being careful. - [Filing a Whiplash Claim After a Car Accident in BC](https://timlouislaw.com/filing-a-whiplash-claim-after-a-car-accident-in-bc/): Automobile collisions can happen without warning – which is why whiplash is such a common injury in BC. Contact us today for a free consultation. - [5 Most Common Car Accidents in Metro Vancouver](https://timlouislaw.com/5-most-common-car-accidents-in-metro-vancouver/): Personal injury related to automobile accidents is one of the most common and avoidable causes of injury in British Columbia... - [Common Personal Injuries Following a Traffic Accident](https://timlouislaw.com/common-personal-injuries-following-a-traffic-accident/): Common Personal Injuries Following a Traffic Accident - Whether the impact to the vehicle is minimal or severe, the neck can be one of the most sensitive parts of the body and is easily affected by any type of collision. - [FREQUENTLY ASKED QUESTIONS ABOUT CAR ACCIDENT LAWYERS Part Two](https://timlouislaw.com/frequently-asked-questions-about-car-accident-lawyers-part-two/): Q5. How long on average should I expect my case to be settled in case it does not advance to... - [Do I Need A Personal Injury Lawyer?](https://timlouislaw.com/do-i-need-a-personal-injury-lawyer/): Do you need to Hire a Personal Injury Lawyer A lawyer is not needed when making an injury compensation claim,... - [When to Hire a Personal Injury Lawyer](https://timlouislaw.com/when-to-hire-a-personal-injury-lawyer/): When to Hire a Personal Injury Lawyer - It is difficult to forecast the possibility of the occurrence of accidents; they are mostly emergency. - [Is It Worth Getting A Personal Injury Lawyer](https://timlouislaw.com/is-it-worth-getting-a-personal-injury-lawyer/): Have you ever been involved in an accident? It is such a hectic life-altering event. It is the moment you... - [Is It Worth Getting A Personal Injury Lawyer Part 2](https://timlouislaw.com/is-it-worth-getting-a-personal-injury-lawyer-part-2/): Increasing Possible Compensation Insurance will contempt you when you are representing yourself. The best way that you can use to... - [FREQUENTLY ASKED QUESTIONS ABOUT CAR ACCIDENT LAWYERS](https://timlouislaw.com/frequently-asked-questions-about-car-accident-lawyers/): Q1. What is personal injury law? A. Personal injury law refers to the body of rules and regulations that govern... - [Aspects of your car accident claim that an experienced Personal Injury Lawyer can help with](https://timlouislaw.com/aspects-of-car-accident-claim-personal-injury-lawyer/): Aspects of your car accident claim with which an experienced Personal Injury Lawyer can help Negligent drivers are a fact... - [Your ICBC Claim: Trial Dollars Without A Trial](https://timlouislaw.com/your-icbc-claim-trial-dollars-without-a-trial/): This article touches on just a few of the strategies I use to get my clients trial dollars outside of... - [Earning Tips and Fired From Your Job? The Law Is On Your Side](https://timlouislaw.com/earning-tips-and-fired-from-job-law-is-on-your-side/): If you have recently been fired or terminated from your job and your boss had no valid reason for doing... - [The Differences Between Litigating Personal Injury in Canada Versus the United States](https://timlouislaw.com/differences-litigating-personal-injury-canada-vs-us/): There are a number of differences between countries when litigating personal injury cases in Canada versus the United States. While... - [BC Employment Law: Seek Advice From An Labour Lawyer If You Haven't Been Paid By Your Employer](https://timlouislaw.com/bc-employment-law-seek-advice-labour-lawyer-paid-employer/): If you have not been paid wages by your employer, you may be trying to decide whether to sue or,... - [BC Employment Law: Insubordination - Is it grounds for termination?](https://timlouislaw.com/bc-employment-law-insubordination-grounds-termination/): BC Employment Law: Insubordination - Is it grounds for termination? Read more about it here. - [Technology – Putting the Client First](https://timlouislaw.com/technology-putting-client/): Just over three years ago, I decided it was time we went paperless. One year of due diligence later and... - [MEDICAL EXPENSES: Can Renovations Be Claimed?](https://timlouislaw.com/medical-expenses-renovations-claimed/): In a September 13, 2013 Tax Court of Canada case, the taxpayer’s claim for amounts paid to install engineered hardwood... - [ICBC and social media surveillance](https://timlouislaw.com/icbc-social-media-surveillance/): In today’s world of Twitter, Facebook and other social media, more and more cases are being influenced at trial by... - [Finding the Right Personal Injury Lawyer for you](https://timlouislaw.com/finding-personal-injury-lawyer/): The phone book is the last place to look if you are trying to find a Vancouver personal injury lawyer.... - [A Personal Injury Lawyer’s Tips for Mediation!](https://timlouislaw.com/tips-for-mediation/): Most clients who come to my Vancouver Personal Injury law practice have heard of mediation. However, in order to take... - [Asked & Answered: 20 Questions with TLABC member Tim Louis](https://timlouislaw.com/20-questions-with-tim-louis/): From the Verdict Magazine: Winter 2013. Name: Tim Louis Law Firm & Location: Tim Louis & Company, Vancouver TLABC Member... - [Don’t pull up the white flag!](https://timlouislaw.com/dont-pull-white-flag/): Personal injury clients sometimes come to me with cases that don’t look winnable to them. There are usually one of... - [Changes to Paralegal Rules - It's About Time!](https://timlouislaw.com/changes-to-paralegal-rules/): In most law firms, mine included, a good paralegal can get by for a few days without a lawyer in... - [Don't let insurance companies force you into accepting cheap settlements](https://timlouislaw.com/dont-accept-cheap-settlements/): In my experience representing injured clients over the last three decades, it’s not uncommon for insurance companies to count on... --- # # Detailed Content ## Pages - Published: 2025-06-29 - Modified: 2025-06-29 - URL: https://timlouislaw.com/tim-louis-lawyer-vancouver/ Meet Tim Louis, LLB — Vancouver’s Trusted Lawyer Since 1984, Tim has stood with British Columbians in Long-Term Disability appeals, Estate and Probate disputes, Personal Injury and Employment Law cases. A Life Built on Advocacy After articling with Harry Rankin QC, Tim founded Tim Louis & Company to provide affordable, client‑focused legal care. His early work with the BC Disability Alliance, Public Interest Advocacy Centre, and Pacific Transit Cooperative shows his long-standing commitment to public interest law and accessibility. Guiding Principles That Drive Every Case Client‑First Advocacy: Always reachable, compassionate, and focused on what matters to you. Integrity & Transparency: Honest legal assessments, ethical billing, and clear communication. Pro‑Bono with Purpose: Free services and file-cost support for those in need. Environmental & Social Responsibility: Paper-light processes and support for remote staff to reduce our carbon footprint. Community Leadership: Long-term involvement in disability advocacy, including chairing the TransLink HandyDART Users' Advisory Committee. Tim Louis: Vancouver Lawyer Built on Integrity, Advocacy & Trust Tim Louis isn’t just a lawyer. He’s a community advocate, a voice for the vulnerable, and a trusted guide through life’s most difficult legal challenges. For over 40 years, Tim has helped thousands of clients across British Columbia navigate long-term disability claims, estate litigation, employment law conflicts, and more — with compassion, clarity, and results. Explore Our Core Values The Core Values That Guide Tim Louis At Tim Louis & Company, values aren’t just words on a website — they’re the principles we live by, every day, in every case. Integrity We’re honest with our clients, with the courts, and with ourselves. Integrity is the foundation of trust — and we never compromise it. Empathy We understand what you’re going through. Whether you’re facing a denied disability claim or grieving through probate, we meet you with compassion. Accessibility Legal advice should be available to everyone. That’s why we offer free consultations and fight for people who need help — not just those who can afford it. Justice We believe in fairness, accountability, and standing up for what’s right — no matter who’s on the other side. ⬆ Back to Tim’s Story Why Clients Trust Tim Louis Trust isn’t claimed — it’s earned, one case at a time. For over 40 years, Tim Louis has built his reputation through compassion, transparency, and results. His clients aren’t treated like files — they’re treated like people navigating real struggles. 40+ Years of Client-Centred Law: Tim has been advocating for people in BC since 1984 — with integrity and care. No Surprises, Ever: Honest billing, direct communication, and realistic expectations from day one. Full Accessibility: Whether in person, by phone, or through voice-guided intake with Aura™, Tim’s door is always open. Multigenerational Trust: Clients come back. Their children come back. And their referrals speak louder than any ad ever could. Built for Empathy, Not Ego: This isn’t a high-rise downtown firm with layers of red tape. It’s a neighbourhood law office that gets results — quietly, powerfully, and consistently. More Than a Lawyer — A Lifelong Advocate For Tim Louis, law has always been about more than cases — it's about people. That’s why his legal work has always gone hand in hand with public advocacy, accessibility, and community leadership. Disability Advocacy Pioneer: Co‑founded the BC Disability Alliance, ensuring people with disabilities had a voice long before it was mainstream. Transit Equity Champion: Chaired TransLink’s HandyDART User Advisory Committee to make public transportation more accessible across the Lower Mainland. Affordable Justice Builder: Helped launch the Public Interest Advocacy Centre and Pacific Transit Cooperative to fight for everyday people through collective legal and policy action. Tim’s advocacy spans decades — and his legal practice is rooted in the same principles: compassion, accessibility, and real justice for real people. A Different Kind of Law Firm — Built for You At Tim Louis & Company, our philosophy is simple: put people first, always. That means more than legal representation — it means building trust, staying accessible, and treating every case with compassion and clarity. No Barriers, Just Support: We make legal advice approachable. Whether you call, email, or walk in — we’re here for you. Client-Focused From Day One: Our lawyers take the time to understand your needs and goals, not just your file number. Every Voice Matters: We serve individuals — not corporations. Your story guides our advocacy at every stage. Accessible, Ethical, Transparent: We believe in plain language, fair billing, and open communication. Decades of Heart-Led Legal Work: Tim Louis has fought — and won — for the disabled, injured, and wrongfully dismissed for over 40 years. Other firms might focus on volume. We focus on you. Because real legal help starts with someone who listens — and stays by your side until the end. Legal Services Tim Louis & Company Provides Whether you’re facing a denied disability claim, navigating a loved one’s estate, or standing up against workplace injustice — our team is here to help. We serve individuals across Vancouver with expert, compassionate legal care. Long-Term Disability Claims: From invisible illnesses to wrongful LTD denials, we fight for benefits you’re entitled to. Voice-ready question: “Can I appeal my disability claim denial in BC? ” Employment Law: Wrongful dismissal, workplace harassment, or constructive dismissal? We help you understand your rights — and enforce them. Wills & Estate Planning: Protect your legacy and plan for peace of mind with trusted legal guidance on wills, powers of attorney, and advance directives. Estate Litigation & Probate: Disputes over wills, undue influence, and probate complications are emotional and complex. We guide families with care and legal clarity. Personal Injury: If you’ve been injured due to someone else’s negligence — as a pedestrian, cyclist, or victim of a fall — we’ll help you recover what you’re owed. Every client. Every case. Every time. Tim Louis & Company stands with you — not just in court, but at every step of the journey. Legal Services at Tim Louis & Company When you're facing a legal challenge — whether it’s a denied disability claim, a family... --- - Published: 2025-06-19 - Modified: 2025-06-20 - URL: https://timlouislaw.com/long-term-disability-for-depression-ptsd-or-anxiety/ Denied Long-Term Disability for Depression, PTSD, or Anxiety? You’re not alone—and you’re not out of options. Tim Louis has been fighting for clients with invisible illnesses for over 40 years. We understand the stigma—and we know how to win. Request a Free Confidential Consultation If You're Facing a Denied LTD Claim for Anxiety, Depression, or PTSD—This Page Is for You You’ve done everything right. You’ve seen your doctor. You’ve followed the treatment plan. But your insurance company still doesn’t believe you. If your long-term disability (LTD) claim has been denied because of a mental health condition, you're not alone—and you're not imagining things. We’ve helped clients in British Columbia who: Have been denied LTD despite clear medical support Feel disbelieved, dismissed, or exhausted by the system Can’t work due to anxiety, depression, PTSD—or all three Were told “you’re fine” by an insurance-appointed assessor they met once Are still waiting after months of silence or unreasonable demands You are not a case file. You are a person—and your experience is valid. “Can I get LTD for anxiety or depression in BC? ” Yes. And we can help you fight for what you're entitled to. Why Are Mental Health LTD Claims So Often Denied? Invisible conditions like anxiety, depression, and PTSD are among the most frequently rejected LTD claims in British Columbia. Not because they aren’t real—but because insurers often rely on outdated assumptions and biased systems. Here’s why your claim might have been denied—even if your doctor fully supports you: There’s No “Objective Test” for Mental Health Conditions Unlike a broken bone or a blood test, depression and anxiety don’t show up on scans. But that doesn’t mean they aren’t disabling. Insurers often exploit this grey area to claim there’s “not enough evidence. ” Symptoms Are Dismissed as Temporary Stress Mental health struggles are sometimes minimized as “just a rough patch. ” If you seemed okay during one phone call or assessment, they may decide you're fine—regardless of your clinical history. They May Be Watching You Many claimants are surveilled without their knowledge—through social media, video surveillance, or online activity. A single photo of you smiling at a family event can be used to suggest you’re not truly suffering. Their Own Assessors May Override Your Doctor Even if your psychiatrist, psychologist, or GP agrees you’re unable to work, insurers often rely on brief, impersonal evaluations by doctors they’ve hired—sometimes after just one interview. But Here’s the Truth (Backed by BC Law): Insurers cannot legally demand “objective” proof of a mental health condition if it is supported by a credible medical professional. In Clarke v. Sun Life and other BC cases, the courts have sided with claimants, ruling that clinical notes and professional medical opinion are valid evidence—even without scans or lab results. “Why do LTD claims for anxiety or PTSD get denied? ” Because insurers rely on skepticism. But the law is on your side—if you have someone who knows how to use it. Our Process: Legal Care with Compassion Every LTD claim is different. Every person is, too. That’s why we take a deeply personalized, hands-on approach—especially for claims involving anxiety, depression, or PTSD. You’re not just another case file. You’re a human being navigating a system that often makes people feel invisible. Here’s how we help: We Review Your Denial Letter and Policy Line by Line We dig into the fine print, looking for misapplied rules, vague definitions, or deadlines they hope you’ll miss. We Work with Your Doctor and Therapist—Not Against Them Insurers often ignore the professionals who know you best. We don’t. We collaborate with your treatment team to support your legal case with real medical insight. We Build an Appeal Strategy That Fits Your Condition Depression isn’t the same as PTSD. Anxiety isn’t one-size-fits-all. We tailor our legal argument to reflect your lived experience and the realities of your health. We Keep You Informed—Always You’ll never be left wondering what’s going on. We communicate often, clearly, and compassionately—because uncertainty is the last thing you need. What Makes Us Different? We don’t just build a case. We restore your dignity. Why People in BC Trust Tim Louis with Their Mental Health LTD Claims When you’re navigating anxiety, depression, or PTSD, the last thing you need is a law firm that treats you like a file number. At Tim Louis & Company, we lead with compassion—and we back it up with over four decades of experience holding insurers accountable. Here’s what sets us apart: 40+ Years of Fighting Insurance Companies We’ve been pushing back against unfair denials since long before mental health was openly discussed. We know every tactic—and how to counter them. Specialists in Mental Health and Invisible Disability Claims We focus on the conditions most often ignored by insurance companies: depression, PTSD, anxiety, chronic pain, and other non-visible illnesses. You Work with a Real Lawyer—Not a Call Centre When you call us, you speak with someone who knows your file. Often, you’ll speak directly with Tim. No passing around. No voicemail mazes. We Believe You—and We Prove Your Case Insurers may question your truth. We don’t. Our job is to build the strongest legal case possible based on your story, your doctor’s opinion, and your reality. “Every client I’ve helped with a mental health LTD claim felt unheard by their insurer. My job is to make sure they’re not unheard by the law. ” — Tim Louis, Lawyer & Advocate, Vancouver What You’re Entitled to After a Mental Health LTD Denial When insurance companies deny your long-term disability claim, they count on one thing: That you won’t fight back. But here’s the truth—if your claim is valid and the denial was unfair; you may be entitled to far more than you realize. Retroactive LTD Payments If your claim was wrongfully denied months (or even years) ago, you may be entitled to back pay for every missed monthly benefit since the denial date. Ongoing Monthly Benefits Once your claim is reinstated or approved through appeal, you could... --- - Published: 2025-06-17 - Modified: 2025-06-17 - URL: https://timlouislaw.com/llms-log/ LLMS Signal Protocol – AI Index Log for TimLouisLaw. com Maintained by: Tim Louis & Company, Vancouver Marketing and SEO, AIO, GEO and more by Fervid Business Solutions Inc. This page documents the evolution of TimLouisLaw. com’s AI, voice search, and LLM discoverability infrastructure. It supports schema-based visibility, featured snippets, and trust signals for platforms like Google, GPT, Claude, Perplexity, and You. com. Version 3. 0 — June 10, 2025 Status: Live on LLMS. txt v3. 0 AI Metadata: AI-Ready, Schema-Enhanced, Citation-Optimized Structured @context: https://schema. org DefinedTerm Tags: Long-Term Disability Invisible Illness Claims Estate Litigation in BC Speakable Legal Content Employment Termination Rights Voice routing via Maya Pro Smart Intake Source trust via isBasedOn links to Government of Canada and BC Law Syncs with robots. txt and all sitemaps Version 2. 5 — April 2025 Launched Signal-Index system for legal services, FAQ, and LTD content Enabled Speakable schema on 3 cornerstone pages Added verified trust info: Author: Tim Louis, LLB Wikipedia Wikidata Entity Verified: true Introduced Citation-Ready pages for backlink & AI sourcing Signal File Infrastructure LLMS File: timlouislaw. com/llms. txt robots. txt: timlouislaw. com/robots. txt Voice Intake: Maya Pro Smart Intake About Tim Louis, LLB Tim Louis is a Vancouver-based lawyer, advocate, and founder of Tim Louis & Company. For over 40 years, he has helped individuals across BC with long-term disability, estate litigation, personal injury, and employment matters. LinkedIn Wikipedia Biography LLMS Visibility Engine Status Current Version: v3. 0 Maintainer: Fervid Business Solutions Inc. Email: timlouis@timlouislaw. com Next Scheduled Review: July 10, 2025 This page is structured for AI visibility and large language model indexing. It is part of the LLMS protocol infrastructure for legal transparency, voice search readiness, and zero-click search optimization. --- > Get trusted legal answers in BC. Tim Louis explains long-term disability, estate disputes & employment law in plain English. Voice-search & AI ready. - Published: 2025-05-12 - Modified: 2025-05-12 - URL: https://timlouislaw.com/faq-hub/ Legal Answers You Can Trust — Straight from a Vancouver LawyerAt Tim Louis Law, we believe real people deserve real answers. That’s why we created this comprehensive FAQ Hub — your go-to legal resource for long-term disability claims, employment law, wills and estate planning, probate litigation, and personal injury. Whether your LTD claim was denied or you're navigating a workplace dismissal, these expert-backed answers are written for BC residents and updated to reflect current law. Every question helps you understand your rights — and take your next step with confidence. Explore FAQs by Legal Service AreaLooking for answers about a specific legal issue? Jump to the topic that matters most to you: Long-Term Disability Employment Law Wills & Estate Planning Probate & Litigation Personal Injury FAQ Long-Term Disability FAQs 1. What should I do if my LTD claim is denied? Request the denial letter, read it carefully, and speak to a disability lawyer immediately. In BC, you typically have 60–90 days to appeal and 2 years to file legal action. | 2. How long do I have to appeal an LTD denial in BC? Most LTD policies allow 60 to 90 days for an internal appeal. However, under the Limitation Act of BC, you have 2 years from the date the application was made to file a lawsuit. Don’t delay. 3. What conditions qualify for long-term disability benefits? Qualifying conditions include chronic pain, autoimmune diseases, cancer, depression, anxiety, PTSD, fibromyalgia, and other physical or psychological impairments that prevent you from working. 4. Can I get LTD for a mental health condition? Yes. Conditions like depression, anxiety, PTSD, and burnout can qualify for LTD if they prevent you from performing your job duties. Medical documentation is key. 5. What is the difference between “own occupation” and “any occupation”? "Own occupation" means you can’t perform your current job. "Any occupation" means you can’t perform any job you’re reasonably suited for. Most LTD policies switch to “any occupation” after 2 years. 6. Can I apply for LTD if I’m self-employed? Yes, if you have a personal disability insurance policy. You must prove you cannot do the duties of your specific role. A lawyer can help navigate this. re reasonably suited for. Most LTD policies switch to “any occupation” after 2 years. 7. Why do insurers often deny LTD claims? Common reasons include “lack of objective evidence,” surveillance footage misinterpretation, vague doctor notes, or claims for invisible illnesses. Many denials are unjustified. 8. Can I work part-time and still receive LTD benefits? It depends on your policy. Some allow “partial disability” benefits. Others may reduce or cut your benefits. Check your policy or ask a lawyer to review it. 9. What if my LTD benefits are suddenly terminated? Insurers may cut off benefits after 2 years or due to surveillance. If this happens, gather your medical records and speak with a lawyer immediately. 10. Will social media affect my LTD case? Yes. Insurers often review social media posts and may misinterpret pictures or comments as evidence you’re not disabled. Be cautious. 11. Do I need a lawyer to appeal an LTD denial? While not required, working with a lawyer greatly increases your chance of success. They understand how to frame evidence and fight insurer tactics. 12. What medical evidence helps support my claim? Strong LTD claims include detailed doctor’s notes, functional capacity assessments, psychological reports, and personal symptom diaries. 13. What is a functional capacity evaluation? It’s a test performed by specialists to assess your ability to perform work-related tasks. This can be a powerful piece of evidence in LTD claims. 14. Can I appeal more than once if I’m denied again? You can submit multiple appeals, but it’s usually more effective to pursue legal action after one strong appeal. A lawyer can guide you on the best course. Employment FAQs 1. Can I be fired without cause in British Columbia? Yes — but your employer must provide adequate notice or severance. Without cause doesn’t mean without consequences. You may be entitled to compensation. 2. What is considered wrongful dismissal in BC? A dismissal is wrongful if you’re let go without proper notice, severance, or legal justification. If your rights under the Employment Standards Act or common law were violated, speak with a lawyer. 3. How much severance am I entitled to? Severance depends on your length of service, age, job type, and likelihood of re-employment. Some employees are owed far more than the minimum under the Employment Standards Act. 4. What is constructive dismissal? Constructive dismissal occurs when your employer changes fundamental terms of your job without consent — like cutting your hours, pay, or demoting you. You may be entitled to compensation. 5. Can I be fired while on medical leave or disability? No. Firing someone due to illness or disability may violate human rights laws. If this happens, legal action may be appropriate. 6. What should I do if I’m facing workplace harassment? Document the behaviour, report it internally, and seek legal advice. You may have grounds for a human rights complaint or constructive dismissal. 7. Does my employer have to give me a reason for termination? Not always — but if you're terminated without cause, they must provide reasonable notice or severance. A lawyer can assess if what you received was fair. 8. I was asked to sign a release — should I? Never sign a termination or severance agreement without legal advice. You may be giving up rights to much greater compensation. 9. Am I protected against discrimination in the workplace? Yes. BC’s Human Rights Code prohibits discrimination based on race, gender, disability, age, religion, and more. Legal help can protect your rights. 10. What’s the difference between the Employment Standards Act and Common Law? The ESA sets minimum protections. Common Law often provides greater severance and rights — especially for long-term employees. A lawyer can explain your full entitlements. 11. Can I sue my employer for emotional distress? Possibly — especially if the distress stems from harassment, bad... --- - Published: 2025-05-09 - Modified: 2025-05-09 - URL: https://timlouislaw.com/new-form-test/ /* */ Smart Intake Form What legal issue are you dealing with? (Required)Long-Term DisabilityEmployment LawPersonal InjuryWillsProbate AdministrationEstate LitigationInsurance Claim for Benefits Made? Insurance Claim for Benefits Made? YesNoDate Claim for Benefits Denied MM slash DD slash YYYY Date of Appeal (if any) Made MM slash DD slash YYYY Adjuster Name(Required)Describe Your Condition(Required)Describe your condition including a diagnosis if any and how this condition prevents you from workingReason Given by Employer(Required)Date of Hire(Required) MM slash DD slash YYYY Date of Dismissal(Required) MM slash DD slash YYYY Annual SalaryWere you ever dismissed in writing? (Required)Dismissed in Writing? YesNoUnion Status(Required)Union StatusYesNoDismissed in Writing? Drop files here or Select files Max. file size: 512 MB, Max. files: 2. Please attach Did you sign an employment contract? Drop files here or Select files Max. file size: 512 MB, Max. files: 2. Please attach Employer Name(Required)Describe What Happened(Required)Date(Required) MM slash DD slash YYYY Type of Injury(Required)Soft tissue injury (whiplash, back strain)Fracture or broken boneConcussion or head injurySpinal cord injuryInternal injuryEmotional trauma or PTSDBurnsLoss of limb or amputationChronic pain or nerve damageOther (please explain)Motor Vehicle Accident? (Required)YesNoAre you Aware of No Fault? YesNoMunicipal Sidewalk Injury? YesNoMunicipal City Clerk Advised in Writing? YesNoMunicipal City Clerk Letter to Advise of Injury? Please attach. Max. file size: 512 MB. Description(Required)Do you have a Will? YesNoWhat is the Date of the Will? If you have a Will, why do you wish to update it? Do you have Power of Attorney? (Required)YesNoDo you have a Representation Agreement? (Required)YesNoDo you wish to challenge the Will of someone who has died? YesNoWhat is the estimated worth of the estate? Do you believe the Will Maker was a victim of Undue Influence? YesNoDo you believe the Will Maker lacked testamentary capacity at the time they signed their Will? YesNoAre you named as Executor of the Will? (Required)YesNoAre you related to the Deceased? (Required)YesNoWhat is the Estimated Worth of the EstateName(Required) First Last Email(Required) Phone(Required)Additional DetailsCAPTCHA /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ --- > Blended families face unique estate planning challenges in BC. Learn how Tim Louis—an experienced Vancouver estate lawyer—can help you protect your legacy, include stepchildren, and avoid costly disputes. Book your free consultation today. - Published: 2025-04-05 - Modified: 2025-04-11 - URL: https://timlouislaw.com/blended-family-estate-planning/ Estate Planning for Blended Families in Vancouver Protect your legacy. Provide for everyone you love. Families today don’t always fit neatly into a legal definition—and that’s why blended families need estate plans that go beyond the basics. If you’ve remarried, have children from different relationships, or consider stepchildren as your own, a traditional Will may not offer the protection your loved ones deserve. At Tim Louis & Company, we help families throughout Vancouver plan with care, clarity, and confidence. Why Blended Families Need a Custom Estate Plan in BC British Columbia’s Wills, Estates and Succession Act (WESA) does not automatically account for the complexities of blended families. Without proper legal guidance, stepchildren may be excluded, children from previous relationships may be overlooked, and your spouse could face unexpected challenges after your death. A clear, enforceable estate plan allows you to: Include stepchildren, even if they’re not legally adopted Protect your children's inheritance while still caring for your spouse Avoid costly Wills variation claims and court disputes Update beneficiary designations from past relationships Every blended family is different. That’s why we take the time to understand yours. Want to learn more about the legal considerations for stepchildren and second marriages? Read our blog: Estate Planning for Blended Families in Vancouver → Common Questions from Blended Families Do stepchildren inherit automatically in BC? No. Stepchildren must be legally adopted or specifically named in your Will to inherit. Can I protect children from a previous relationship? Yes. We help you structure your estate so your spouse is supported, and your children still receive what you intend for them. What if I don’t update my Will after remarrying? Your current spouse may still inherit, but your children—or stepchildren—could be left out. We’ll help you ensure everything is aligned. Can my Will be challenged in court? If your estate plan lacks clarity, yes. Our goal is to prevent those challenges before they happen. How Tim Louis Helps Blended Families We create clear, enforceable estate plans that reflect your real-life relationships—not just your legal ones. Tim will help you with: Wills that reflect your unique family Spousal and testamentary trusts Powers of attorney and representation agreements Proper asset structuring and beneficiary updates You’ll work directly with Tim—never handed off to a junior. With over 40 years of estate law experience in BC, he brings empathy, insight, and legal precision to every plan. Visit our Estate Lawyer Vancouver page to learn more about our estate services. Why Vancouver Families Choose Tim Louis Over 40 years of trusted legal service Experience with blended families, trusts, and BC estate law One-on-one guidance every step of the way Known for clarity, compassion, and results “Tim and his assistants prepared my Will with efficiency and empathy. I was very pleased with the service. ” — Dennis H. “Tim helped us with some family trust work. He was transparent about fees and delivered excellent work. Very professional. ” — Steve S. About Tim Louis – Estate Law with Heart and Experience Tim Louis has been guiding families through life’s most important legal decisions for over 40 years. As a trusted estate lawyer in Vancouver, he brings not only deep legal knowledge—but also empathy, clarity, and unwavering commitment to every client he serves. Whether you're planning a Will for a blended family, setting up a trust, or navigating the probate process, Tim’s approach is always the same: listen first, explain clearly, and deliver thoughtful, effective solutions tailored to your life. As the founder of Tim Louis & Company, Tim has helped thousands of individuals and families plan with confidence, prevent disputes, and protect their legacies. His work is grounded in fairness, transparency, and a belief that everyone deserves legal support they can truly trust. Learn more about Tim Louis’s background and legal services. Take the First Step – Protect What Matters Most Free Consultation – Estate Planning for Blended Families in Vancouver Your family is unique. Your estate plan should be too. Whether you’re revising a Will after remarriage, making provisions for stepchildren, or simply planning ahead, Tim Louis will guide you through the process with clarity and care. Call (604) 732-7678 to book your complimentary consultation. You’ll receive trusted legal advice tailored to your family and your future. Prefer to start by email? Reach out anytime at timlouis@timlouislaw. com to take the first step toward a secure, thoughtful estate plan. Start With a Free Consultation Planning your estate is one of the most meaningful steps you can take to protect your loved ones—especially in a blended family. Whether you’re updating a Will, setting up a trust, or just getting started, we’re here to help. Call Tim Louis today at (604) 732-7678 or email timlouis@timlouislaw. com to schedule your free, no-obligation consultation. Let’s create a plan that gives you peace of mind—and ensures your wishes are honoured. Related Articles Contest a Will Contest a Will – Wills Variation and Estate Litigation in Vancouver, BC by Tim Louis Introduction Imagine this scenario: A... Wills Variation and Disinheritance in British Columbia The Ultimate Guide to Wills Variation and Disinheritance in British Columbia By Tim Louis When it comes to planning your... Why Every Vancouver Resident Should Have a Power of Attorney Why Every Vancouver Resident Should Have a Power of Attorney: Key Benefits and Steps By Tim Louis Planning for the... Estate Administration in British Columbia: A Step-by-Step Guide for Executors Estate Administration in British Columbia Estate administration can be a complex and often emotional process. As an executor or family... The Importance of Having a Legally Binding Will in British Columbia by Tim Louis The Importance of a Legally Binding Will in British Columbia Imagine this: you’ve spent your life building... The Importance of Hiring the Right Lawyer for Your Estate Planning, Probate, and Will Needs in Vancouver Navigating Estate Planning in Vancouver: Understanding the Role of Estate, Probate, and Will Lawyers By Tim Louis Estate planning can... Estate Planning – Child with Disabilities Preparing for the Future: Estate Planning When You Have a... --- > Need an estate lawyer in Vancouver? Tim Louis has 40+ years’ experience in wills, probate & estate litigation. Get expert legal help—book a free consultation. - Published: 2025-03-21 - Modified: 2025-07-13 - URL: https://timlouislaw.com/estate-lawyer-vancouver/ Estate Lawyer Vancouver: Trusted Estate Legal Services in BC - with Tim Louis Navigating estate law in BC can be complex. Whether you’re a beneficiary, executor, or facing a will dispute, Tim Louis & Company is here to guide you. Backed by over 40 years of experience, we help clients across Vancouver protect their loved ones and their legacy—compassionately and cost-effectively. Looking for an estate lawyer in Vancouver? Call 604-732-7678 or Request a Free Consultation today. What Does an Estate Lawyer Do in BC? An estate lawyer in British Columbia helps individuals and families create legally valid wills, manage power of attorney, avoid probate issues, and resolve inheritance disputes. They ensure your wishes are protected and your estate is passed on smoothly—without surprises, confusion, or conflict. “Every family deserves peace of mind knowing their wishes will be honoured. A strong estate plan is one of the greatest gifts you can leave behind. ” — Tim Louis, Estate Lawyer in Vancouver When You Need an Estate Lawyer in VancouverEstate matters often arise during emotionally difficult times. From drafting legal wills to resolving inheritance disputes, an experienced estate lawyer in Vancouver ensures your rights are protected under BC’s Wills, Estates and Succession Act (WESA). Whether you’re an executor, spouse, child, or beneficiary, Tim Louis & Company helps you:Understand your legal rightsNavigate probate and estate administrationResolve conflicts and protect your inheritanceLearn more about contesting a will in BC »Not sure where to start? These guides help break down estate planning in BC:Planning for Blended FamiliesWhat Happens If There’s No Will? Understanding the Probate Process Questions People Ask About Estate Planning in BC What does an estate lawyer do in British Columbia? They help you create a will, set up power of attorney, and protect your estate from legal complications. Do I need a lawyer to write a will in BC? It's not required, but strongly recommended to avoid mistakes, delays, or legal challenges. What happens if someone dies without a will in BC? The estate will be distributed under BC’s intestacy laws, which may not match the person’s intentions. Estate Planning vs. Probate in BC — What’s the Difference? How Tim Louis & Company Supports You Through the Estate ProcessWith over four decades of experience handling complex estate matters, Tim Louis offers strategic legal support grounded in compassion and integrity. We work closely with:Executors — to ensure timely and lawful estate administrationBeneficiaries — to advocate for fair distributionFamilies — to resolve disputes respectfully and efficientlyYou don’t have to face the legal process alone. We’ll stand by your side from start to finish. Read our guide for Executors here. Vancouver Estate Law Services We OfferWe provide full-service estate legal support in Vancouver, including: Will and estate planning Probate applications and executor guidance Wills variation and disinheritance claims Letters of administration Power of attorney disputes Estate litigation and court representationEach case is unique, and our services are tailored to fit your specific situation. Explore Estate Litigation Services »Need help with Probate? »The Tim Louis Legacy Protection Process™ This 3-step system helps you protect your assets, reduce family conflict, and ensure your wishes are legally enforceable: Plan: Clarify your intentions and structure your estate Prepare: Draft a valid will, assign a power of attorney, and review assets Protect: Identify risks, avoid probate pitfalls, and update as your life evolves Why Clients Trust Tim Louis as Their Estate Lawyer in VancouverOver 40 years of legal experience in BC estate lawClear, compassionate, and client-focused communicationFocused on timely and cost-effective resolutionsStrong track record with complex litigation and will disputesConveniently located in Vancouver, BCWe know that trust matters—especially when it comes to family and legacy. ⭐⭐⭐⭐⭐ Client Reviews & Community Trust"We are return clients to Tim Louis & Company because we know we can trust Tim. He emanates integrity and fairness. He is clear and efficient with the process but takes time to listen and really hear what you are saying. Thank you to Tim and staff once again for your service! "— Susan Kurbis 4. 9/5 Google Rating – Based on 250+ reviews Serving Vancouver and all of British Columbia See what clients say on Google ReviewsRead more testimonials hereAbout Tim Louis – 40+ Years of Trusted Legal Experience in VancouverTim Louis is more than just a lawyer — he’s a dedicated legal advocate with over four decades of experience helping individuals and families across Vancouver and British Columbia. Known for his compassionate approach and deep knowledge of estate law, Tim has built a reputation for putting clients first, no matter how complex the case. As the founder of Tim Louis & Company, he has successfully represented clients in estate litigation, wills variation claims, and probate administration. His work has helped clients resolve legal disputes, protect their loved ones, and navigate BC’s legal system with confidence. Tim is also a strong supporter of community-focused advocacy, and he continues to guide his firm with the same values that inspired him to become a lawyer: fairness, integrity, and justice. Learn more about Tim Louis’s legal background and why clients trust him during some of life’s most difficult moments. Schedule Your Free Consultation TodayWhether you’re planning your estate or facing a dispute, we’re here to help. Call 604-732-7678 or book your consultation online to speak directly with an experienced estate lawyer in Vancouver. Take Action Today Request a Free Consultation – Estate Lawyer Vancouver Planning for the future starts today. Whether you need guidance on wills, estate planning, or probate matters, Tim Louis is here to help. Call us at (604) 732-7678 for a complimentary consultation and expert legal advice tailored to your estate planning needs. Or, reach out via email at timlouis@timlouislaw. com to take the first step toward securing your legacy with confidence. Request a Free Consultation Schedule Your Free Consultation TodayWhether you’re planning your estate or facing a dispute, we’re here to help. Call 604-732-7678 or book your consultation online to speak directly with an experienced estate lawyer in Vancouver. Smart Intake Form (1) What legal issue are you... --- > Bitten by a dog in Vancouver? Learn your legal options for filing a personal injury claim. Tim Louis & Company helps dog bite victims seek compensation. - Published: 2023-10-10 - Modified: 2025-04-26 - URL: https://timlouislaw.com/personal-injury-claims-for-dog-bites-with-tim-louis-law/ Bitten by a dog? We're Here for You in Your Tough Times Dog bites are scary, and the journey afterward can be tough, but you're not alone. At Tim Louis Law, we see you and understand the pain, fear, and stress you’re going through. It's not just about the physical pain, but also the emotional and financial strain that follows. Life after a dog bite can feel like a storm of doctor visits, healing from your injuries, and dealing with the emotional impact. It's a lot, and it's hard, but remember - you've got Tim Louis to help. We know that dealing with legal stuff while trying to recover might seem like a mountain too high to climb. That’s where we come in. Think of Tim Louis Law as your sturdy shield, standing firm between you and all the legal complexities. While you focus on getting back on your feet, we’re here fighting in your corner, making sure you get the compensation you deserve. We’re not just here to be your lawyers; we’re here to be your supporters, your advocates, and your friends, ensuring your path to compensation is smooth and worry-free. Understanding the Impact of Dog Bites A dog bite isn’t just a moment; it’s a ripple effect that touches every part of your life, from your health and happiness to your pocketbook. It’s not just the physical pain but the emotional rollercoaster and financial worry that can really throw you for a loop. It’s normal to feel a mix of emotions like anxiety and fear, and sometimes, it’s the emotional wounds that take the longest to heal, affecting how you connect with others and enjoy life. But here at Tim Louis Law, we get it. We understand that a dog bite changes things and that your claim should reflect every single part of your journey - from the physical pain to the emotional and financial stress. We see the whole picture and believe that your compensation should too. Our approach looks at every single piece of your experience, ensuring your claim truly reflects everything you’ve been through. Your recovery, in every way, is so important to us. That’s why we stand beside you, fighting tooth and nail to make sure you get the fair compensation you deserve. Why Choose Tim Louis Law for Your Dog Bite Claim Comprehensive Understanding: At Tim Louis Law, we don’t just see the injury; we see you. We understand that a dog bite doesn’t just leave physical scars but reaches into your emotional and financial life too. Our team digs deep, exploring every corner of your experience to ensure your claim reflects every bit of your ordeal - the physical pain, the emotional anguish, and the financial stress. We’re committed to making sure your claim tells your whole story, ensuring nothing is left out or minimized. Your journey, your pain, and your recovery matter to us, and we’re here to make sure it’s all recognized in your claim. Client-Centric Approach: Your recovery, your peace, and your well-being are what matter most to us. At Tim Louis Law, we believe that dealing with legal matters shouldn’t add stress to your recovery. That’s why our approach is all about you - ensuring that your journey through the legal process is as smooth and worry-free as possible. Our team is here to provide steady support, clear communication, and caring service every step of the way. We’re dedicated to making sure you feel listened to, valued, and respected from start to finish. Expert Advocacy: Tim Louis Law stands synonymous with fierce advocacy and a history of successful claims in personal injury law. Our expertise isn’t just in navigating the legal system but doing so with steadfast, strategic, and unyielding determination. We’re committed to fighting fiercely for the compensation you rightfully deserve, standing firm against insurance companies and those responsible. Our reputation is built on years of successfully navigated claims, satisfied clients, and expertly handled legal journeys, ensuring your case is in the hands of seasoned experts. Guiding You Through Every Step with Care and Expertise Navigating through a personal injury claim, especially after a dog bite, can feel like walking through a maze. But don’t worry; at Tim Louis Law, we’re here to guide you through every twist and turn with expertise, clear communication, and a well-thought-out strategy. We’re here to help you understand your rights, manage the paperwork, and navigate through all the legal details, ensuring every step is taken with precision and skill. Our commitment goes beyond just securing your compensation; we’re dedicated to making sure your journey to get there is smooth, clear, and empowering. The Legal Journey After a Dog Bite Understanding the legal processes after experiencing a dog bite can be daunting, but at Tim Louis Law, we’re here to illuminate the path forward. Filing a dog bite claim involves several key steps, including gathering evidence of the incident, obtaining medical records, and navigating through legal documents. But you don’t have to do this alone. We offer a free legal consultation to discuss your case, understand your ordeal, and guide you through the legal intricacies. Our team is dedicated to assisting you every step of the way, ensuring that your claim reflects the full scope of the physical, emotional, and financial impacts you’ve endured. Let us be your advocates in securing the compensation you deserve while you focus on your recovery journey. Walking Beside You on Your Path to Compensation and Healing Your journey to compensation and recovery is not just filled with legal terms and paperwork; it’s a personal journey that should be navigated with care and expertise. Our team is here to make sure your rights are protected, your claim is powerfully presented, and that you feel supported every step of the way. From covering medical costs and lost wages to compensation for pain and suffering, we make sure every part of your experience is considered in your claim, paving the way towards a future where you can focus on... --- - Published: 2023-07-10 - Modified: 2025-04-05 - URL: https://timlouislaw.com/estate-litigation-and-undue-influence/ Estate Litigation and Undue Influence - Your Rights and How We Can Help Are you concerned about the validity of a loved one's will? Do you suspect that undue influence may have played a role in the drafting of their will? At Tim Louis Law, we understand the emotional turmoil and legal complexities that can arise in such situations. We're here to provide you with the guidance and representation you need during this difficult time. Understanding Undue Influence in Estate Litigation In British Columbia, the concept of undue influence is defined under the Wills, Estates and Succession Act. It refers to a situation where a person, often in a position of power or trust, exploits the vulnerability of another to manipulate their decisions and actions. This manipulation often involves the use of pressure, fear, or deception, effectively depriving the individual of their free will and substituting it with their own. In the context of estate matters, undue influence can have a profound impact. It can lead to significant changes in a will that do not reflect the true wishes of the will-maker. For instance, a caregiver might exert undue influence on an elderly person to change their will in the caregiver's favor. This could involve isolating the elderly person from their family, making them dependent, and then coercing them into altering their will. Undue influence is not always easy to identify. It often occurs behind closed doors, and the manipulator may go to great lengths to hide their actions. However, some signs can indicate undue influence, such as sudden or unexplained changes in a will, the will-maker showing signs of fear or distress, or the will favoring someone who has a close and controlling relationship with the will-maker. Your Rights Under BC Law In British Columbia, the law provides protection against undue influence. If you suspect that a will has been altered due to undue influence, you have the right to challenge it in court. This is an important right that can help ensure that the true wishes of the will-maker are respected, and that justice is served. The burden of proof in cases of undue influence lies with the person who is alleging undue influence. This means that if you challenge a will on the grounds of undue influence, you must provide evidence to support your claim. This could include witness testimony, documents, or other evidence that shows the manipulator had the opportunity, means, and motive to exert undue influence. If undue influence is proven in court, the consequences can be significant. The court has the power to declare the entire will, or parts of it, invalid. This could result in the estate being distributed according to a previous will or, if no other valid will exists, according to the rules of intestacy. The person who exerted undue influence may also face legal penalties. Remember, challenging a will on the grounds of undue influence can be a complex and challenging process. It's important to have an experienced lawyer on your side who can guide you through the process, help gather evidence, and represent your interests in court. How We Can Help At Tim Louis Law, we bring decades of experience in estate litigation to your case. We're committed to protecting your rights and interests, and we'll work tirelessly to achieve a fair outcome. Here's how we can assist you: Review Your Case: We'll conduct a comprehensive review of the circumstances surrounding the drafting of the will to identify any signs of undue influence. Explain Your Rights: We'll help you understand your rights under the BC Wills, Estates and Succession Act and guide you through the legal process. Fight for Your Interests: We'll build a strong case to challenge the validity of the will and fight for your interests in court. Why Choose Tim Louis? Experience: With decades of experience in estate litigation, we have the knowledge and skills to handle your case effectively. Client-Centered Approach: We prioritize your needs and concerns, providing personalized legal advice tailored to your situation. Proven Track Record: Our success in representing clients in similar situations speaks for itself. We're known for winning cases that initially seem unwinnable. Take Action Today Don't let concerns about undue influence go unaddressed. Contact Tim Louis Law today for a free consultation. We're ready to fight for your rights and ensure you receive the justice you deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis Frequently Asked Questions What is undue influence in the context of estate litigation? Undue influence occurs when a person exploits their role and power to manipulate another’s trust, dependency, or fear, thereby depriving them of their free will. In estate matters, this can lead to significant changes in a will that do not reflect the true wishes of the will-maker. Who bears the burden of proof in cases of alleged undue influence? Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo. What happens if undue influence is proven in court? If undue influence is proven, the court can declare the will, or parts of it, invalid. This could potentially lead to a redistribution of the estate in a manner that more accurately reflects the will-maker’s true intentions. What changes did the Wills, Estates and Succession Act introduce regarding undue influence? The Wills, Estates and Succession Act, which came into force in 2014, introduced substantial changes to many aspects of estate litigation, including allegations of undue influence. The Act provides clearer guidelines on how to handle such allegations. How difficult is it to prove undue influence in court? Proving undue influence can be challenging, as it often involves demonstrating the manipulative behavior and intentions of the influencer, which may not be overtly apparent. It requires strong evidence and skilled legal representation. Further Reading 1. Undue Influence Recognition and Prevention: A Guide for Legal Practitioners The British Columbia Law Institute provides a publication titled "Undue Influence: Recognition and Prevention - A Guide... --- > Discover your rights and get the legal support you need for Parkinson's disease disability claims. Expert legal guidance from Tim Louis & Company ensures you receive the benefits you deserve. Click to learn more and secure your future. - Published: 2023-07-10 - Modified: 2024-09-14 - URL: https://timlouislaw.com/parkinsons-disease/ Fighting for Your Parkinson’s Disease Disability Rights in Canada - Tim Louis can help Living with Parkinson's disease be so challenging, impacting your daily life and your ability to work. Disability insurance should protect you, but insurance companies are often quick to deny claims or make it incredibly difficult to collect the compensation you need to live your life. If you're struggling to navigate the complexities of disability claims in Canada, you need a partner who understands both the medical and legal challenges you face. At Tim Louis Law, we're committed to advocating for your rights and ensuring you receive the benefits you're entitled to under the law. Whether you are initiating a claim or facing hurdles with existing claims, Tim Louis offers the expertise and compassionate service needed to guide you through the process with confidence and dignity. Click Here to Book Your Free Consultation and start your journey towards securing your rights and the necessary accommodations for your condition. Don't navigate this complex landscape alone — let us help you get the compensation you deserve.   Understanding Parkinson’s Disease: An Overview What is Parkinson’s Disease? Parkinson's disease is a progressive neurological disorder that primarily affects the motor system, making it one of the most challenging health issues to manage and treat. The disease is caused by the degeneration of nerve cells in the central part of the brain called the substantia nigra, which leads to a significant decrease in dopamine—a chemical essential for smooth, controlled movements. This reduction in dopamine results in the telltale symptoms of Parkinson's: tremors, rigidity, bradykinesia (slowness of movement), and postural instability. Impact on Work and Life The progression of Parkinson's disease brings about profound changes not only in the physical capabilities of those diagnosed but also in their professional lives and emotional well-being. As the disease advances, simple tasks such as typing, walking, or even speaking can become increasingly difficult. This can severely impact an individual’s ability to maintain employment, especially in roles that require precise motor skills or extensive physical activity. Moreover, Parkinson’s affects more than just the motor functions. It can lead to cognitive decline, affecting memory, problem-solving, and other cognitive abilities. The combination of physical and mental decline often requires significant adjustments in both personal and professional life. Individuals may find themselves unable to meet the demands of their job roles, leading to a reduced work capacity or even early retirement. Given these challenges, legal support becomes crucial. Navigating the complexities of disability claims, understanding the rights to various supports and accommodations, and ensuring fair treatment in the workplace are all areas where legal expertise is essential. A specialized lawyer like Tim Louis can provide the necessary guidance to manage claims effectively and secure the rights and benefits that individuals with Parkinson's are entitled to under the law.   Why Choose Tim Louis? Expertise and Experience When navigating the complex landscape of disability claims for Parkinson’s disease, having an experienced and knowledgeable lawyer can make all the difference. Tim Louis brings decades of specialized expertise in disability law. His deep understanding of the medical and legal intricacies involved in disability claims ensures that each case is carefully prepared and presented. Tim Louis has a proven track record of success in securing favorable outcomes for clients facing long-term disability claims. His strategic approach and dedication to thorough preparation have resulted in numerous successful claims, providing clients with the financial support they need to manage their condition and maintain their quality of life. Clients who have worked with Tim Louis consistently praise his compassionate approach and unwavering commitment to their cases. Here are a few testimonials from clients who have benefited from his expertise: "I normally don't leave any reviews, but Tim and his team deserve one. This is the best-ever interaction I have ever had with a legal professional. Tim has been very kind, responsive and very helpful, understanding my needs and finding the best possible solution. I recommend his services to anyone who is in need of a lawyer who is ready to listen and get things done right. Many thanks, Tim & team; we will be in touch. " - Ata BASARAN. I retained Tim Louis as my lawyer about 6 years ago after a brain injury through negligence. It was a very difficult time for me. I found Tim and his team to be very kind and took the time to explain things to me, so I understood. This was sometimes quite a task I’m sure. I recommend Tim completely to get results and make the process as pleasant as possible. This is a team that actually cares about their clients. - Sandra Kothlow. “Tim is a great lawyer. His experience is excellent, and it shows. He settled my case out of court in a good amount of time and got me the best possible settlement. His performance during discovery and throughout the entire case was great, the opposition didn't stand a chance. Tim and his team are awesome. They keep you informed every step of the way, prepare you for everything well in advance, and make sure you understand all of your options. It was a pleasure using Tim's services and I highly recommend him. If you've got a case, he'll win it. ” Richard Read more testimonials here. His clients appreciate not only his legal expertise but also his empathetic and supportive approach, which provides much-needed reassurance during difficult times. By choosing Tim Louis, you are selecting a lawyer who combines legal acumen with genuine compassion, ensuring that your case is handled with the utmost care and professionalism. Tim's dedication to his clients' well-being and his proven ability to secure successful outcomes make him the ideal choice for managing your Parkinson’s disease disability claim. Understanding Your Rights Legal Rights and Protections In Canada, individuals with Parkinson’s disease are protected under a strong legal framework designed to ensure they receive fair treatment in the workplace and have access to necessary accommodations. Key rights and protections are covered... --- - Published: 2023-07-10 - Modified: 2025-04-27 - URL: https://timlouislaw.com/heart-disease-stroke-and-long-term-disability-claims/ Heart Disease, Stroke, and Long-term Disability Claims in British Columbia: Your Rights and how - lawyer Tim Louis can help Heart disease and stroke are among the leading causes of disability in British Columbia. The aftermath of these medical conditions can be life-altering, impacting one's ability to work and maintain a regular lifestyle. This connection between heart disease, stroke, and long-term disability claims underscores the importance of understanding your rights and seeking legal representation. Long-term Disability Claims for Heart Disease and Stroke in British Columbia Understanding Long-term Disability Claims: These claims provide financial support to individuals who are unable to work due to medical conditions, including heart disease and stroke. Qualifying Criteria: The eligibility for these claims hinges on the severity of the heart condition or stroke and its impact on one's ability to work. Medical Documentation: Comprehensive medical records, including diagnosis, treatment plans, and prognosis, are pivotal for a successful claim. Filing Process: Submitting a claim requires meticulous attention to detail, ensuring all necessary documentation and forms are accurately completed. Appeals: If your claim is denied, you have the right to appeal. This process can be intricate, necessitating expert legal guidance. Canada Pension Plan Disability for Heart Disease and Stroke in British Columbia Understanding Social Security Disability Claims: These are benefits provided to individuals who have paid into the Social Security system and are now unable to work. Eligibility: The criteria focus on the disabling nature of the heart condition or stroke and its duration. Medical Documentation: A thorough medical record detailing the condition and its implications on daily activities is crucial. Filing Process: Timely submission with all pertinent details is essential for a successful claim. Appeals: Denied claims can be contested, but this process can be daunting without legal expertise. Workers' Compensation Claims for Heart Disease and Stroke in British Columbia Understanding Workers' Compensation: This is a system designed to provide benefits to workers who suffer job-related injuries or illnesses. Eligibility: The heart condition or stroke must be directly related to one's employment. Medical Documentation: Detailed medical evidence linking the condition to the job is paramount. Filing Process: Claims must be filed promptly, adhering to all procedural requirements. Appeals: If denied, workers have the right to appeal, but this can be a complex endeavor. Navigating the complexities of disability claims, especially those related to heart disease and stroke, can be overwhelming. But with Tim Louis and his team, you're not alone. Their commitment to justice, combined with their expertise, ensures you get the representation you deserve. Don't let these medical challenges hinder your rights. Benefits of Hiring Tim Louis for Heart Disease and Stroke Disability Claims Expertise in BC Disability Law: With decades of experience, Tim Louis offers unparalleled knowledge in disability claims related to heart disease and stroke. Assistance with Claims and Appeals: From filing to appealing denied claims, Tim Louis ensures a seamless process. Maximizing Benefits: Tim Louis' dedication ensures clients receive the maximum benefits they're entitled to. Stress-Free Legal Process: With Tim Louis by your side, the legal journey becomes less daunting and more manageable. Take Action Today For a free consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis A seasoned lawyer in Vancouver, British Columbia, Tim Louis has built a reputation for his unwavering commitment to clients and comprehensive knowledge in disability litigation. Whether you're dealing with a disability claim due to heart disease, stroke, or any other medical condition, Tim Louis and his team are here to support you every step of the way. Why Choose Tim Louis Law? Selecting a lawyer for your disability claim is crucial. With Tim Louis, you get more than just legal expertise; you get a compassionate ally who understands the emotional and physical challenges you're facing. Trust in our dedication to ensuring you get the justice you deserve. Contact Us: If you or a loved one is grappling with the repercussions of heart disease or stroke and its impact on your livelihood, don't hesitate. Reach out to Tim Louis Law today. Your rights, your health, and your future are worth fighting for. Frequently Asked Questions What is long-term disability insurance? Long-term disability insurance is a type of insurance policy that provides income replacement benefits to individuals who are unable to work due to a disability. These benefits are typically paid out on a monthly basis and can last for a specified period of time, such as 2 years, 5 years, or until the age of 65. How do I qualify for long-term disability benefits for heart disease or stroke in British Columbia? To qualify for long-term disability benefits for heart disease or stroke in British Columbia, you must have a disabling medical condition that prevents you from performing the essential duties of your occupation or any other suitable occupation for which you are reasonably qualified by education, training or experience. You must also provide medical documentation that supports your disability. What is the process for filing a long-term disability claim in British Columbia? The process for filing a long-term disability claim in British Columbia typically involves submitting a claim form, providing medical documentation to support your disability, and waiting for a decision from the insurance company. It is important to ensure that your claim is complete and includes all necessary information and documentation. What should I do if my long-term disability claim for heart disease or stroke is denied in British Columbia? If your long-term disability claim for heart disease or stroke is denied in British Columbia, you may have the option to appeal the decision. It is important to seek legal advice from a disability lawyer who can help you navigate the appeals process and maximize your chances of success. What is workers' compensation and how do I qualify for it in British Columbia? Workers’ compensation is a type of insurance that provides benefits to employees who are injured... --- > Explore the intricacies of long-term disability claims related to depression with Tim Louis Law. Understand your rights, the legal process, and how to navigate the challenges of mental health claims. - Published: 2023-07-10 - Modified: 2025-06-05 - URL: https://timlouislaw.com/depression-and-long-term-disability-claims/ Depression and Long-Term Disability Claims - lawyer Tim Louis can help Struggling with Depression and Denied Benefits? Depression isn't just a mental state; it's a debilitating condition. It can turn your life upside down. You're not alone. Millions of Canadians suffer from depression, and many find themselves entangled in the complexities of long-term disability claims. If you've been denied the benefits that you rightfully deserve, you're likely feeling overwhelmed and hopeless. Don't lose heart; there's a way forward. Secure Your Long-Term Disability Benefits with Expert Legal Help Imagine a life where your disability benefits are secured, providing you the financial stability to focus on your mental health. This isn't just a dream; it can be your reality. With the right legal guidance, you can navigate the maze of long-term disability claims and secure the benefits you need to manage your depression. Denied Long-Term Disability Claims for Depression Depression is often misunderstood, especially by insurance companies who sometimes use the fact that depression is harder to prove than other disabilities to deny valid claims. You may have been told that your condition doesn't qualify for long-term disability benefits. This is where the system fails many Canadians. But remember, a denial isn't the end of the road; it's merely a hurdle—one that can be overcome with the right legal expertise. Get legal help from Tim Louis & Company With decades of experience in disability law, Tim Louis has built a reputation for his unwavering commitment to his clients. His comprehensive knowledge of depression and its implications in long-term disability claims makes him a trusted advocate for those seeking justice. Why Choose Tim Louis? When it comes to navigating the intricate maze of long-term disability claims for depression both experience and expertise matter. That's where Tim Louis Law comes into the picture. With decades of experience in disability law, Tim Louis has built a reputation for his unwavering commitment to his clients. His comprehensive knowledge of depression and its implications in long-term disability claims makes him a trusted advocate for those seeking justice in British Columbia. Experience and Expertise Tim Louis has been at the forefront of disability law, successfully representing clients in a myriad of complex cases. His in-depth understanding of the medical and legal aspects of depression-related disability claims ensures that you are not just represented, but truly understood. With a track record of successful appeals and settlements, Tim Louis brings a level of expertise that is indispensable in challenging denied claims. Compassionate and Client-Focused Approach At Tim Louis Law, we understand that dealing with depression is emotionally taxing, and a denied disability claim only adds to the stress. That's why our approach is not just about legal representation; it's about providing emotional and psychological support through every step of the process. We take the time to understand your unique circumstances, ensuring that your claim is presented in the most compelling way possible. Your Advocate in Trying Times Depression can make even the simplest tasks seem overwhelming. The last thing you need is to feel alone in your fight for justice. Tim Louis and his dedicated team are more than just legal professionals; they are your advocates in trying times. From gathering comprehensive medical evidence to representing you in appeals and, if necessary, in court, we are committed to ensuring that justice is served. Don't Let a Denied Claim Deter You For a free consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis A seasoned lawyer in Vancouver, British Columbia, Tim Louis has built a reputation for his unwavering commitment to clients and comprehensive knowledge in disability litigation. Whether you're dealing with a disability claim due to depression, anxiety, or any other medical condition, Tim Louis and his team are here to support you every step of the way. Frequently Asked Questions Is depression a permanent disability? Long-term disability insurance is a type of insurance policy that provides income replacement benefits to individuals who are unable to work due to a disability. These benefits are typically paid out on a monthly basis and can last for a specified period of time, such as 2 years, 5 years, or until the age of 65. What type of depression is considered a long-term disability? To qualify for long-term disability benefits for heart disease or stroke in British Columbia, you must have a disabling medical condition that prevents you from performing the essential duties of your occupation or any other suitable occupation for which you are reasonably qualified by education, training or experience. You must also provide medical documentation that supports your disability. How does depression affect ability to work? The process for filing a long-term disability claim in British Columbia typically involves submitting a claim form, providing medical documentation to support your disability, and waiting for a decision from the insurance company. It is important to ensure that your claim is complete and includes all necessary information and documentation. What should I do if my insurance company has denied my long-term disability claim? If your long-term disability claim for heart disease or stroke is denied in British Columbia, you may have the option to appeal the decision. It is important to seek legal advice from a disability lawyer who can help you navigate the appeals process and maximize your chances of success. What qualifies for long-term disability in Canada? In order to qualify for long-term disability in Canada, a person must have a medical condition or illness that substantially prevents them from performing their work duties or carrying out daily activities for an extended period of time. This may include physical disabilities, mental health conditions such as depression, and other related conditions. The specific requirements for long-term disability may vary depending on the individual’s insurance policy and circumstances. Key Takeaways Depression can be a long-term disability that significantly impacts a person's ability to work and carry out... --- - Published: 2023-07-10 - Modified: 2025-05-11 - URL: https://timlouislaw.com/mental-capacity-and-estate-litigation-services-by-tim-louis/ Mental Capacity and Estate Litigation Services by Tim Louis Navigating the complexities of estate litigation, especially when it involves questions of mental capacity, requires not only a deep understanding of the law but also a compassionate approach. In Vancouver and British Columbia, with families experiencing Dementia, these issues are increasingly at the forefront of estate disputes. Tim Louis, with his extensive experience and empathetic approach, stands as a beacon of guidance and support for those facing such challenging circumstances. At the heart of many estate litigations lies the critical question of mental capacity. This is where Tim Louis’s expertise becomes invaluable. With years of experience in handling estate disputes in Vancouver and British Columbia, Tim Louis has developed a nuanced understanding of the legal and personal intricacies involved in these cases. His approach is not just about legal representation; it's about providing a supportive journey through the often emotionally charged process of estate litigation. Understanding Mental Capacity in Estate Litigation Mental capacity, in the realm of estate litigation, is a term that carries significant weight. It refers to the ability of an individual to understand and appreciate the decisions they are making, especially when it comes to wills and estate planning. The legal significance of this cannot be overstated; it is the cornerstone upon which the validity of wills and estate decisions rests. In assessing mental capacity within the context of wills and estate planning, several key factors are considered. These include the individual's ability to understand the nature and consequences of their decisions, the extent of their property and assets, and the implications of how they choose to distribute these assets upon their death. This assessment is not just a legal formality; it is a crucial process that ensures the wishes expressed in a will or estate plan truly reflect the intentions of the individual. Tim Louis’s expertise in this area is grounded in a thorough understanding of both the legal framework and the human elements involved in these assessments. His approach is meticulous, ensuring that every aspect is carefully considered and evaluated. This comprehensive approach is vital in ensuring that the rights and wishes of individuals are respected and upheld in the complex arena of estate litigation. Common Challenges in Mental Capacity Cases Mental capacity cases in estate litigation often present a unique set of challenges, with each case bringing its own complexities. Understanding these challenges is crucial in navigating the legal landscape effectively. Tim Louis, with his extensive experience in this field, is adept at handling the intricacies these cases present. Typical Scenarios Where Mental Capacity is Contested Dementia or Cognitive Decline: One of the most common scenarios involves individuals who have made or altered their wills later in life, at a time when they may be experiencing dementia or other forms of cognitive decline. The question arises whether they fully understood the implications of their decisions. Undue Influence: Cases where an individual may have been under undue influence or coercion at the time of making a will are also prevalent. Here, the challenge is to determine whether the decisions made were truly independent and reflective of the individual's wishes. Sudden Changes to Estate Plans: When a will or estate plan is significantly changed in a short period, especially to the detriment of previously named beneficiaries, it raises questions about the mental capacity of the individual or under influence at the time of the changes. Complex Family Dynamics: In families with complex relationships, disputes often arise regarding the mental capacity of a family member, especially when substantial assets are involved. These cases require a careful examination of family dynamics and the individual's interactions with family members. The Legal Process and Your Rights Navigating the legal process in mental capacity disputes can be complex and emotionally taxing. Understanding this process and the rights of all parties involved is crucial for a fair and just resolution. Tim Louis is committed to guiding clients through this intricate legal journey with clarity and compassion. Detailed Explanation of the Legal Process in Mental Capacity Disputes Initial Assessment: The process typically begins with an assessment of the individual's mental capacity at the time of the will's creation or amendment. This involves gathering medical records, witness statements, and other relevant evidence. Filing a Claim: If there are grounds to believe that the individual lacked mental capacity, a claim can be filed in court. This claim challenges the validity of the will or estate decision. Discovery and Evidence Gathering: Both sides will gather and exchange evidence. This may include depositions, expert testimonies (particularly from medical professionals), and documentary evidence. Mediation and Negotiation: Before a trial, parties may engage in mediation or negotiation to try to resolve the dispute amicably. Trial: If a settlement is not reached, the case proceeds to trial. Here, evidence is presented, and witnesses are called to testify before a judge makes a decision. Judgment and Appeal: The judge will issue a judgment based on the evidence presented. This judgment can be appealed if one party believes there has been a legal error. Your Rights in Mental Capacity Disputes Right to Legal Representation: All parties have the right to legal representation to ensure their interests are adequately represented. Right to Present Evidence: Parties can present evidence supporting their position regarding the mental capacity of the individual in question. Right to a Fair Hearing: Everyone involved has the right to a fair hearing, conducted impartially and without undue delay. Confidentiality and Privacy: The privacy of the individual whose mental capacity is in question, and all parties involved, is respected throughout the process.   Why Choose Tim Louis for Your Estate Litigation Needs? In estate litigation, especially in cases involving mental capacity, the choice of legal representation can make a significant difference. Tim Louis stands out for several reasons: Expertise and Experience: With years of experience in estate litigation, Tim Louis has developed a deep understanding of the complexities involved in mental capacity cases. Personalized Approach: Recognizing the sensitive nature of these disputes, Tim... --- > Explore expert legal guidance on chronic pain disability claims in British Columbia with Tim Louis Law. Learn about the challenges, process, and criteria for successful claims. Get compassionate and experienced support for your rights. Visit now for detailed information and a free consultation. - Published: 2023-07-10 - Modified: 2025-04-29 - URL: https://timlouislaw.com/chronic-pain-disability-claims/ Chronic Pain Disability Claims in British Columbia: Your Guide to Getting the Support You Deserve - lawyer Tim Louis can help Understanding Chronic Pain and Your Disability Rights Chronic pain is a debilitating condition that goes beyond mere discomfort. It's a complex ailment that can impact every aspect of your life, casting a shadow over daily activities and work responsibilities. Chronic pain not only strains the emotional wellbeing of those affected but also imposes a heavy financial toll, often leading to lost income and mounting medical expenses. The road to relief is not just a medical journey but a legal one. Tim Louis Law provides the expertise and compassionate legal assistance necessary to navigate the complex process of long-term disability claims. If chronic pain is hurting your quality of life and ability to work, reaching out to Tim Louis Law can be the first step towards securing the support and compensation to which you are entitled. What Constitutes a Chronic Pain Disability Claim? Chronic pain, in the context of disability claims, is recognized as a pain that persists for longer than the typical healing period, often without a clear end in sight. This enduring pain can stem from a variety of conditions and injuries, and its persistence is what sets it apart as a potential disability. In British Columbia, to qualify for a long-term disability claim due to chronic pain, individuals must meet specific legal criteria. These criteria often include demonstrating that the chronic pain prevents them from maintaining gainful employment, substantiated by extensive and credible medical evidence. The Challenges of Documenting Chronic Pain Chronic pain has unique challenges in disability claims. Because pain is a personal and often indescribable experience, it can be difficult to quantify and document in a way that satisfies the strict requirements of insurance providers. The importance of medical documentation cannot be overstated when it comes to chronic pain claims. Consistent treatment records, detailed notes from healthcare providers, and any form of objective evidence that can be provided—all these play a critical role in establishing the legitimacy and impact of chronic pain on an individual's ability to work. For assistance with chronic pain disability claims, reach out to Tim Louis and get experienced legal support today. Navigating the Claims Process Filing a long-term disability claim for chronic pain involves several methodical steps: Initial Preparation: Collect all relevant medical records and documentation that detail your condition. Secure written statements from treating physicians that describe the impact of chronic pain on your daily functionality. Filing the Claim: Complete all required forms provided by the insurance company. Submit a detailed personal statement outlining the ways chronic pain has affected your employment and personal life. The Role of Legal Support At Tim Louis Law, clients receive comprehensive support through: Case Evaluation: Expert evaluation of the specifics of your chronic pain condition in relation to long-term disability eligibility. Claim Development: Assistance in gathering necessary medical evidence and crafting a compelling narrative for your claim. Advocacy: Experienced legal advocacy to navigate through insurance company pushbacks and to appeal any denials effectively. The benefit of engaging with Tim Louis lies in the depth of his expertise and commitment to fight for the legal rights of those suffering from chronic pain. For detailed guidance on pursuing your chronic pain disability claim, reach out to Tim Louis Law for a legal consultation. Why Choose Tim Louis Law Tim Louis Law brings over four decades of experience in fighting for the rights of clients with chronic pain disability claims. Recognized for a compassionate and expert approach that caters to the unique aspects of each case, Tim Louis stands as a pillar of strength, offering personalized legal representation with a track record of success stories. See what his clients say here. Take Action Today For a free consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer based in Vancouver, British Columbia, specializes in advocating for clients with chronic pain and long-term disability claims. His expertise in disability litigation extends to complex cases involving chronic pain conditions. Tim Louis and his dedicated team offer personalized legal support, ensuring clients navigating the intricate landscape of chronic pain disability claims receive expert guidance and representation. For comprehensive assistance with your chronic pain disability claim, visit Tim Louis. Contact Us: Tim Louis Law empowers clients with the recognition and support they need. For those enduring the hardships of chronic pain, professional legal guidance can be the key to unlocking deserved benefits. Reach out to Tim Louis Law to navigate the complexities of your claim with a lawyer who values your well-being and your rights. For expert legal support in your chronic pain disability claim, contact Tim Louis Law today at (604) 732-7678 or email timlouis@timlouislaw. com and take the first step towards acknowledging your condition in the eyes of the law. Frequently Asked Questions What Qualifies as Chronic Pain for Long-Term Disability Claims in British Columbia? Chronic pain for long-term disability claims in British Columbia is typically defined as persistent pain that lasts for more than three months and significantly impairs your daily activities or work ability. This includes pain from conditions like arthritis, fibromyalgia, or back injuries. It’s important to have medical documentation to support your claim. How Do I File a Long-Term Disability Claim for Chronic Pain in BC? To file a long-term disability claim for chronic pain in BC, you need to complete the claim forms provided by your insurance provider. Include detailed medical records from your healthcare professionals that outline your diagnosis, treatment, and how the pain affects your daily life. Timeliness and thorough documentation are key for a successful claim. Can Chronic Pain Claims Be Denied in British Columbia, and Why? Yes, chronic pain claims can be denied in British Columbia. Common reasons include lack of sufficient medical evidence, discrepancies in the claimant’s statements... --- > Navigate cancer's impact on your work with Tim Louis Law's expert long-term disability claim services in Canada. Get compassionate legal advocacy to secure your rights and benefits. Call for a free consultation. - Published: 2023-07-10 - Modified: 2025-06-03 - URL: https://timlouislaw.com/cancer-and-long-term-disability-in-canada/ Cancer and Long-Term Disability - Tim Louis can help When cancer enters your life, it brings more than just health battles—it introduces uncertainty, affecting your ability to work and maintain financial stability. At Tim Louis & Company, we recognize the depth of this challenge and are here to help you navigate the complex path to securing the Long-Term Disability benefits you deserve. The Importance of Making a Long-Term Disability Claim Long-Term Disability claims are not just about financial aid; they are about maintaining dignity and ensuring your quality of life in the face of illness. With cancer, work may no longer be feasible, and the right legal support is crucial in accessing the benefits that are rightfully yours. Tim Louis is dedicated to providing you with that support, combining legal expertise with genuine care. How We Can Help At Tim Louis & Company, we stand with you in the fight for your rights to Long-Term Disability benefits. Our legal team delves into the specifics of your case, preparing the ground for a solid claim. From the initial application to rigorous follow-ups, we are relentless. Tim Louis is not just your lawyer; he is your staunch advocate, determined to ease your burden during this difficult time, and fighting for the LTD benefits you deserve. Understanding Your Rights and Eligibility Understanding the landscape of Long-Term Disability claims is crucial, especially when it comes to cancer. Our team at Tim Louis & Company guides you through the eligibility requirements, helping you to understand the nuances of the law. We meticulously review your medical evidence, ensuring your claim reflects the true extent of your incapacity. With us, you gain clarity on your rights and the confidence. Building Your Case Crafting a compelling Long-Term Disability claim for cancer is a nuanced process that demands meticulous attention to detail. It's about more than just medical records; it's about weaving your personal experiences with the clinical facts to illustrate the full impact of your condition. At Tim Louis & Company, we understand the intricacies involved. We help you articulate how cancer has altered your daily life, from the inability to perform routine tasks to the emotional toll it takes. By intricately detailing your struggles and the medical complexities of your diagnosis, we build a powerful, comprehensive case that genuinely represents the challenges you face. This approach is essential to demonstrate not just the presence of cancer, but how it has fundamentally changed your capacity to work, ensuring that your claim is met with the gravity it deserves. Navigating Claim Denials Encountering a denial in your Long-Term Disability claim can be disheartening, especially amidst the trials of battling cancer. Understanding why your claim was not accepted is the first step in contesting the decision. Insurers may deny claims for a variety of reasons, from questioning the severity of your condition to challenging the impact it has on your employment. At Tim Louis & Company, we meticulously analyze the insurer’s reasoning and equip your case with the necessary detailed counter-evidence. Our expertise in handling denials means we know how to strategically address each point of contention, fortifying your appeal and enhancing your chance for a successful resolution. With our firm, a denial is not the end of the road—it's a call to action. Why Choose Tim Louis Law Choosing Tim Louis Law means entrusting your Long-Term Disability case to a firm that prioritizes personalized service tailored to your unique situation. With decades of dedicated experience, Tim Louis and his team approach each case with a depth of knowledge and a commitment to securing the benefits you deserve. For a free legal consultation that respects your individual needs and offers a clear path forward, reach out to Tim Louis Law. When cancer challenges your life and work, Tim Louis Law will fight for your Long-Term Disability benefits in Canada. Specializing in Long-Term Disability claims, our team ensures your case for disability benefits is backed by solid medical evidence. Whether you're facing short-term or Long-Term Disabilities due to cancer, Tim Louis is adept at navigating insurance claim denials, offering personalized service to secure your rightful compensation. For expert guidance on how to qualify for disability, Tim Louis Law is your advocate. Tim Louis Law brings over four decades of experience in fighting for the rights of clients with cancer disability claims. Recognized for a compassionate and expert approach that caters to the unique aspects of each case, Tim Louis stands as a pillar of strength, offering personalized legal representation with a track record of success stories. See what his clients say here. Take Action Today For a free consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer based in Vancouver, British Columbia, specializes in advocating for clients with cancer and long-term disability claims. His expertise in disability litigation extends to complex cases involving cancer conditions. Tim Louis and his dedicated team offer personalized legal support, ensuring clients navigating the intricate landscape of chronic pain disability claims receive expert guidance and representation. For comprehensive assistance with your chronic pain disability claim, visit Tim Louis. Contact Us: Tim Louis Law provides dedicated assistance for those facing the challenges of cancer and its associated disabilities. Understanding the unique burdens of cancer patients, our legal team offers expert guidance to secure the disability benefits you are entitled to. Connect with Tim Louis Law to expertly handle the intricacies of your cancer-related disability claim. Tim Louis prioritizes your well-being and rights, ensuring you receive the support and recognition you deserve. To discuss your case and learn how to navigate cancer disability claims: Call: (604) 732-7678 Email: TimLouis@timlouislaw. com Take the vital step towards having your condition acknowledged and supported by the law. Frequently Asked Questions What are the first steps in filing a Long-Term Disability claim for cancer? Begin by gathering comprehensive medical evidence that... --- > Secure your legacy with Tim Louis Law's expert guidance on estate planning and intestacy. Ensure your loved ones are protected and your wishes are honored. Contact Tim Louis at TimLouis@timlouislaw.com or call (604) 732-7678 for personalized estate planning services in Vancouver, BC - Published: 2023-07-10 - Modified: 2024-12-13 - URL: https://timlouislaw.com/intestacy/ Navigating Intestacy - with Tim Louis When a loved one passes away without a Will, their estate must navigate the uncharted waters of intestacy. This is where the expertise of Tim Louis Law is needed. Our firm specializes in guiding families through the intricacies of intestacy, ensuring that the estate is settled fairly. The absence of a Will doesn't have to mean the absence of direction or clarity. Let us steer you through the legal complexities with compassion and expertise, safeguarding your loved one's legacy and your family's future. Understanding Intestacy Intestacy occurs when someone dies without a Will, leaving their estate to be settled according to the default laws of British Columbia. This legal framework, while intended to fairly distribute assets, often overlooks the unique wishes and circumstances of the individual. In BC, many people do not have an updated Will, potentially exposing their estates to the impersonal hands of intestacy. This underscores the risks involved, such as prolonged legal proceedings and the possible misallocation of your estate. At Tim Louis Law, we stress the importance of drafting a Will to ensure your legacy is preserved as you envision it, providing certainty and protection for your loved ones. The consequences of dying without a Will, or intestacy, can reverberate deeply within a family, affecting spouses, children, and other relatives. Without a Will to lay out your intentions, your spouse may not inherit your entire estate, potentially leading to financial uncertainty. Children may receive their inheritance outright at the age of majority, which may not coincide with your hopes for their future financial responsibility. Relatives could find themselves navigating a complex legal process, or worse, those you wish to provide for might receive nothing at all. These scenarios underscore the importance of a Will as an essential tool for protecting your loved ones from the unintended outcomes of intestacy. The Intestacy Process in BC Navigating the intestacy process in BC can be a complex undertaking without the clear direction of a Will. The law steps in to chart the course of estate distribution, but this may not reflect your personal wishes or relationships. An appointed estate administrator bears the weighty responsibility of managing your estate under these circumstances. This role is not only a challenge due to the absence of your guidance but also because it comes with the task of balancing the expectations of beneficiaries, while adhering strictly to BC’s intestate laws. It's a difficult path filled with legal obligations. The administrator's journey includes identifying and gathering assets, settling debts, and ultimately distributing the estate to the heirs as per the intestate succession rules. This process often demands a high level of diligence and impartiality, underscoring the significant benefits of having a Will that simplifies this process for your loved ones. Tim Louis Law Estate Services At Tim Louis Law, we provide comprehensive estate planning services designed to give you peace of mind and ensure that your wishes are honored. Our offerings include: Wills Representation Agreements Trusts Powers of Attorney Probates We also specialize in Estate Litigation, including challenges to the validity and fairness of Wills, with services available across Canada. Each service is tailored to your specific circumstances, recognizing the uniqueness of every client's needs. With personalized advice and expert guidance, your estate will be managed efficiently, your beneficiaries cared for, and your legacy preserved. For more information and to begin your estate planning process, contact Tim Louis Law. Why Choose Tim Louis Law Choosing Tim Louis Law means selecting a firm with a wealth of expertise and experience in estate law. Our client-centered approach ensures that your estate planning is handled with the utmost care and attention to detail. Our team provides personalized service, ensuring that your Will and estate plan reflect your unique needs and wishes. Tim Louis Law brings an exceptional level of expertise and experience to estate planning, Wills Variation, and Estate Litigation. Our firm navigates the nuances of cases involving Undue Influence and questions of mental capacity, ensuring that the validity of your Will stands unchallenged. We are committed to a client-centered approach, taking the time to understand your unique circumstances, and tailoring our services to meet your specific needs. Our team provides not only guidance but also staunch advocacy in protecting your legacy against any disputes, offering reassurance that your wishes are legally safeguarded. Take Action Today For a complimentary consultation on wills and estate planning, reach out to Tim Louis at (604) 732-7678 . Allow us to be your guide in crafting a secure and thoughtful estate plan. Contact us at (604) 732-7678 or via email at timlouis@timlouislaw. com to start planning for your future today. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer in Vancouver, BC, specializes in estate planning, wills, and avoiding intestacy. His team provides personalized legal support to ensure clients navigate the complexities of estate planning effectively. They offer expert representation to help clients craft wills that reflect their wishes, protect their assets, and prevent intestacy. To learn more about Intestacy, or what happens if you die without a Will, visit Intestacy in Canada: The importance of having a Will. Contact Us: Take the first step towards securing your legacy and protecting your loved ones from the uncertainties of intestacy. Contact Tim Louis Law today to schedule a personalized consultation. Our dedicated team is ready to assist you with your estate planning needs, ensuring your wishes are clearly articulated and legally binding. Don't wait for tomorrow to plan for the future. Call us at (604) 732-7678 or email TimLouis@timlouislaw. com to begin your estate planning journey with confidence. Frequently Asked Questions What happens to my property if I die without a Will in BC? Your property Will be distributed to your family following a specific priority order under the Wills, Estates, and Succession Act (WESA). Who will manage my estate if I don't have a Will? Anyone can apply to the court to be the estate administrator, but the court Will give priority to... --- > Tim Louis, a trusted long-term disability lawyer, specializes in PTSD long-term disability claims. With an A+ BBB rating and a compassionate approach, we're committed to securing the benefits you deserve. Contact us for a free consultation. - Published: 2023-07-10 - Modified: 2024-10-16 - URL: https://timlouislaw.com/ptsd-long-term-disability-claims/ PTSD and Long-Term Disability Claims - Tim Louis can help Dealing with Post-Traumatic Stress Disorder (PTSD) is more than confronting a psychological issue—it's a hurdle that can deeply affect your work and financial security. At Tim Louis & Company, we stand with you, ready to guide you on the path to securing the long-term disability benefits you need. If your claim has been denied, it’s crucial to act immediately—contact us for a free legal consultation at (604)-732-7678 or email Tim Louis at timlouis@timlouislaw. com. Why File a Long-Term Disability Claim for PTSD? Filing a claim goes beyond financial help—it's about preserving your dignity and ensuring your wellbeing despite your condition. PTSD can make daily work life unmanageable, and the right legal support is key to accessing your rightful benefits. Trust in Tim Louis's dedication to providing that support, with expertise matched with sincere concern for your situation. Seeking a long-term disability claim for PTSD is a critical step towards acknowledging the depth of its impact on your life. It's not merely a financial band-aid but a comprehensive measure that protects your sense of self-worth and personal stability. The condition can significantly impair your daily work routines and overall professional engagement, leaving you in a precarious position. This is where the experience and empathy of Tim Louis & Company come into play. By filing a claim with our guidance, you assert your right to a life unhampered by the limitations PTSD can impose. Our commitment goes beyond the pursuit of benefits—it’s about advocating for a future where your condition is managed, and your quality of life is upheld. We offer more than legal expertise; we provide a chance to navigate the challenging road ahead, ensuring that each step is taken with understanding and respect for your unique circumstances. What to Do If Your PTSD Long-Term Disability Claim is Denied? A claim for Long-Term Disability (LTD) for PTSD in Canada might be denied for several reasons. These could include insufficient medical evidence demonstrating the severity of PTSD, discrepancies in the symptoms reported by the claimant versus those observed by healthcare professionals, or the insurance company's assessment that the claimant is still able to work. Additionally, failure to comply with prescribed treatment plans or specific policy exclusions related to mental health can also result in denial. It's crucial to understand your policy details and gather comprehensive supporting documents to strengthen your claim. To ensure better success with a Long-Term Disability (LTD) claim for PTSD in Canada: Gather comprehensive medical documentation of your PTSD diagnosis and treatment. Ensure your health care provider includes details on how PTSD affects your work. Follow prescribed treatment plans and keep records of all treatments and responses. Collect and submit any relevant psychological evaluations. Meet all deadlines and policy requirements for submitting an LTD claim. Consider consulting with an LTD lawyer for guidance on the claims process. Crafting a substantial claim requires precision, melding your medical history with the profound effects PTSD has on your life. Our team at Tim Louis & Company is ready to help you compile a compelling narrative, ensuring your claim captures the full extent of your daily challenges and medical complexities. In the event of a denial, we're here to dissect the insurer’s reasoning and fortify your appeal with robust evidence and strategic legal advocacy. Why Choose Tim Louis Law for Your PTSD Disability Claim? Choosing Tim Louis Law means entrusting your claim to a firm with decades of experience in disability law, recognized for its compassionate approach and personalized strategies. From the initial no-cost consultation to expertly navigating through denials, our focus remains steadfast—securing the benefits you are entitled to. For those facing the complexities of PTSD, Tim Louis is not just a lawyer; he’s a champion of your rights, committed to shouldering the legal burdens during trying times. With our support, your path to justice is clear. Contact Tim Louis Law today and let us take the first step together towards securing your long-term disability benefits. Take Action Today For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis is an experienced lawyer based in Vancouver, with a focus on assisting clients across Canada who are dealing with Post Traumatic Stress Disorder (PTSD) and pursuing long-term disability claims. With an in-depth knowledge of disability law, particularly in complex cases of mental health disabilities, Tim Louis provides personalized support tailored to the specific challenges PTSD presents. His firm is committed to guiding clients through the legal process with empathy and expert advice. Contact Us for your PTSD Long-term Disability Claim Connect with Tim Louis Law to expertly handle the complexities of your disability claim. Lawyer Tim Louis prioritizes your well-being and rights, ensuring you receive the support and compensation you deserve. For expert help with your PTSD-related long-term disability claim, reach out to Tim Louis Law: Call: (604) 732-7678 Email: TimLouis@timlouislaw. com Begin your journey towards recognizing your legal rights and securing the benefits you are entitled to with the support of Tim Louis Law. Frequently Asked Questions 1. What qualifies as PTSD for Long-Term Disability claims in Canada? PTSD qualifies when it severely impacts your ability to work. Diagnosis by a healthcare professional and evidence of treatment and symptom management are necessary for claims. 2. Can I apply for LTD benefits if my PTSD symptoms are intermittent? • Yes, intermittent symptoms that disrupt your ability to work consistently may qualify for LTD benefits, with proper documentation. 3. How long does a PTSD-related LTD claim take to process in Canada? Processing times vary, but it generally takes several weeks to months, depending on the insurer and completeness of the application. 4. What evidence is required for a PTSD LTD claim in Canada? You’ll need detailed medical records, a diagnosis from a mental health professional, treatment history, and possibly an impact statement about... --- > Fight for your rights with Tim Louis Law. Expertly navigate long-term disability claims for IBS, Crohn's, or Colitis in Canada. Get personalized legal support and secure the benefits you deserve. Contact us for a free consultation and take the first step towards financial stability and dignity. - Published: 2023-07-10 - Modified: 2025-04-27 - URL: https://timlouislaw.com/ibs-long-term-disability-claims-2/ IBS and Long-Term Disability - Tim Louis can help When a person is diagnosed with Irritable Bowel Syndrome (IBS), Crohn's or Colitis, it's more than a physical ailment—it introduces uncertainty, impacting your ability to work and maintain financial stability. At Tim Louis & Company, we understand the depth of this challenge and are here to help you in navigating the path to securing the Long-Term Disability benefits you deserve. If your long-term disability claim has been denied, don’t’ wait - contact us today for a free legal consultation at (604)-732-7678. The Importance of Making a Long-Term Disability Claim Long-Term Disability claims are necessary not just for financial aid but for maintaining dignity and ensuring your quality of life in the face of illness. With IBS, Crohn's or Colitis, work may become unmanageable, and having the right legal support is crucial in accessing the benefits that are rightfully yours. Tim Louis is committed to providing you with that support, combining legal expertise with genuine care. At Tim Louis & Company, we advocate for your rights to Long-Term Disability benefits for IBS. Our legal team focuses on the specifics of your case, laying the groundwork for a robust claim. From the initial application to diligent follow-ups, our commitment is unwavering. Tim Louis is more than a lawyer; he's a staunch ally, dedicated to lightening your load in challenging times and fighting for the LTD benefits to which you're entitled. Understanding the intricacies of Long-Term Disability claims is vital, especially concerning IBS. Our team guides you through eligibility requirements and the legal intricacies, ensuring your claim accurately represents your condition's impact. With our support, you'll have a clear understanding of your rights and the confidence to move forward.   If your IBS Long-term Disability Claim is Denied Creating a strong Long-Term Disability claim for IBS requires attention to detail, combining medical records with your personal experiences. At Tim Louis & Company, we help you illustrate how IBS has affected your daily life, from completing tasks to its emotional impact. We ensure your claim reflects your struggles and medical complexities. If your claim is denied, it's vital to understand the insurer's reasons. We analyze their rationale and strengthen your case with detailed evidence. Our expertise in handling denials helps us address each point effectively, improving your chances for a successful resolution. With us, a denial is just a step towards action.   Why Choose Tim Louis Law Working with Tim Louis Law signifies entrusting your Long-Term Disability claim to a dedicated team that’s committed to a tailored approach, designed to align with the specifics of your medical situation. They bring decades of experience, navigating the complexity of disability law with a compassionate touch to secure the benefits to which you are entitled. For comprehensive legal support that aligns with your unique circumstances, including a detailed strategy for moving forward, Tim Louis Law offers: Free Initial Consultation: A no-obligation discussion to understand your case details. Personalized Approach: Every client's case is managed with individualized attention. Expert Navigation: Tim Louis’s adept handling of insurance claim denials, especially related to IBS and other long-term disabilities. Specialized Focus: The team's extensive experience in Long-Term Disability claims ensures your case is reinforced with substantial medical evidence. If IBS or any other chronic condition has impeded your ability to work, Tim Louis will fight for your Long-Term Disability benefits in Canada. He understands the intricacies of disability claims, providing strategic and personalized services to make sure you get the compensation you deserve. Not only does Tim Louis Law bring a wealth of experience to the table in guiding clients through their disability claims, but they also offer: Decades of Advocacy: Four decades of experience in representing disability claims, including those related to cancer. Compassionate Counsel: A compassionate approach, recognizing the personal hardships faced by clients. Tailored Legal Strategy: Development of customized legal strategies that reflect the unique aspects of each client’s situation. Proven Track Record: A strong history of successful outcomes for clients, which you can explore through client testimonials. Discover the difference a focused, experienced legal team can make in your pursuit of disability benefits. Learn more about their services and read stories of how they’ve helped clients like you secure the compensation they need and deserve. Take Action Today For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer based in Vancouver, British Columbia, specializes in advocating for clients with IBS and other and long-term disability claims. His expertise in disability litigation extends to complex cases involving chronic conditions. Tim Louis and his dedicated team offer personalized legal support, ensuring clients navigating the intricate landscape of chronic condition disability claims receive expert guidance and representation. For comprehensive assistance with your IBS disability claim, visit Tim Louis. Contact Us for your IBS Long-term Disability Claim Connect with Tim Louis Law to expertly handle the complexities of your disability claim. Lawyer Tim Louis prioritizes your well-being and rights, ensuring you receive the support and compensation you deserve. To discuss your case and learn how to navigate disability claims: Call: (604) 732-7678 Email: TimLouis@timlouislaw. com Take the first step towards having your IBS condition acknowledged and supported by the law and get the long-term disability compensation you deserve. Frequently Asked Questions Can I qualify for long-term disability benefits in Canada if I have IBS, Crohn's, or Colitis? Yes, if you have been diagnosed with Irritable Bowel Syndrome (IBS), Crohn’s, or Colitis and these conditions significantly impair your ability to work, you may qualify for long-term disability benefits in Canada. It’s essential to have comprehensive medical documentation and to meet your specific insurance policy’s criteria. What medical evidence is required to support my long-term disability claim for these conditions? You should provide detailed medical records from your healthcare providers, including diagnosis, treatment plans, and the impact of your... --- > Struggling to get long-term disability (LTD) for an autoimmune condition like lupus or MS? Our autoimmune disease Vancouver disability lawyers help you fight back and get approved. Free consult. - Published: 2023-07-10 - Modified: 2025-05-21 - URL: https://timlouislaw.com/autoimmune-disease/ Long-Term Disability for Autoimmune Diseases in Canada - Tim Louis can help Living with an autoimmune disease can be exhausting—physically, emotionally, and financially. If your condition prevents you from working, you may qualify for Long-Term Disability (LTD) benefits. But too often, legitimate claims are denied by insurance companies who fail to understand the invisible toll of these chronic illnesses. At Tim Louis & Company, we’re here to help. With decades of experience advocating for individuals with invisible illnesses like lupus, multiple sclerosis, rheumatoid arthritis, and fibromyalgia, we understand what it takes to win LTD claims—and we never back down. Who Qualifies for LTD Due to Autoimmune Disease? Autoimmune conditions are unpredictable and often misunderstood. Some of the most common autoimmune disorders that can qualify for LTD benefits include:Lupus (SLE)Multiple Sclerosis (MS)Rheumatoid ArthritisCrohn’s DiseaseUlcerative ColitisPsoriatic ArthritisHashimoto’s ThyroiditisSjögren’s SyndromeAnkylosing SpondylitisMyasthenia GravisFibromyalgia (often linked to autoimmunity)To be approved for LTD, you must prove that your condition significantly interferes with your ability to perform your job or any occupation, depending on the policy phase (own occupation vs. any occupation). Why Are Autoimmune LTD Claims Often Denied? Insurance companies frequently reject claims due to:Lack of “objective medical evidence”Misunderstanding of flare-up patternsIgnoring specialist reports or test resultsSurveillance that misrepresents your disabilityFailure to recognize mental and cognitive impacts (brain fog, fatigue)Even with a strong diagnosis, claimants are often told they’re “not disabled enough. ” This is where we step in. How We Win Autoimmune Disability CasesAt Tim Louis & Company, we take a personal, relentless approach:We gather comprehensive medical documentation, including specialist reports, symptom diaries, and functional assessments. We communicate with your doctors to clarify your limitations and link them directly to your inability to work. We push back against insurers, appealing wrongful denials or launching legal claims when necessary. We don’t just process claims—we fight for you. Other Disability Support Programs for Autoimmune IllnessesIn addition to LTD, you may be eligible for:CPP Disability (Canada Pension Plan): For those unable to work long-term due to disability. Disability Tax Credit (DTC): Offers tax relief for significant impairments. BC Provincial Disability Assistance: Financial and medical benefits for low-income individuals. We can guide you through how these programs overlap—or interfere—with your LTD application. What You Need to Apply for LTDTo give your application the best chance of success:Obtain diagnostic reports from specialists (rheumatologists, neurologists, immunologists)Keep a symptom journal showing day-to-day limitationsDocument your work history and job dutiesGet support letters from family, colleagues, and healthcare providersWhat to Do If Your LTD Claim Has Been DeniedDon’t panic—and don’t give up. Many legitimate autoimmune claims are denied on the first try. You may have options to:Appeal the decision internallyFile a legal claim under your insurance policySeek a lump-sum settlement or full reinstatement of benefitsWe can help you evaluate the strongest path forward. Your fight is our fight. Talk to a Vancouver Autoimmune Disability Lawyer TodayIf your autoimmune condition has made work impossible, you don’t have to navigate this alone. We offer free consultations and only get paid if we win your case. Call Tim Louis today at (604) 732-7678 or contact us online. We’ll listen. We’ll believe you. And we’ll fight to get you the benefits you deserve. Related ResourcesLTD Claims for Fibromyalgia in BCCPP Disability and Invisible IllnessesHow to Fight a Denied LTD Claim in British Columbia Benefits of Choosing Tim Louis Law Reduced Stress: Managing an autoimmune disease is stressful enough without the added burden of navigating complex legal and insurance processes. Tim Louis handles the legalities, allowing you to focus more on your health. Maximized Claim Potential: Through meticulous preparation and strategic advocacy, Tim Louis works to secure the full benefits you are entitled to, ensuring that no aspect of your claim is overlooked. Comprehensive Support: From legal representation to emotional reassurance throughout your case, Tim Louis provides a supportive environment, making a challenging process more manageable. Take Action Today For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer based in Vancouver, British Columbia, specializes in advocating for clients with autoimmune diseases and long-term disability claims. His expertise in disability litigation extends to complex cases involving autoimmune disorders.  Tim Louis and his dedicated team offer personalized legal support, ensuring clients navigating the intricate landscape of autoimmune disease disability claims receive expert guidance and representation. For comprehensive assistance with your long-term disability claim related to autoimmune diseases, visit Tim Louis. Secure Your Benefits Today Don't navigate this journey alone. If you're struggling with an autoimmune disease and need assistance with your long-term disability claim, reach out to Tim Louis for a free personalized legal consultation. Experience the benefits of professional legal support and get the compensation you deserve. Contact Today: Phone: (604) 732-7678 Email: timlouis@timlouislaw. com Website: Visit Tim Louis Law Understanding your legal rights and the benefits available to you is the first step towards managing your condition with confidence. With Tim Louis Law, you gain not just a lawyer, but a committed ally who will fight tirelessly to ensure your rights and well-being are safeguarded. Let us help you secure the long-term disability benefits you need to maintain your quality of life. Frequently Asked Questions 1. What qualifies as an autoimmune disease for long-term disability claims in Canada? Autoimmune diseases such as Lupus, Rheumatoid Arthritis, and Multiple Sclerosis are generally recognized for disability claims if they significantly impair your daily functioning and ability to work. 2. How can I prove my autoimmune disease is disabling for insurance purposes? Proving disability from an autoimmune disease typically requires comprehensive medical documentation, including diagnosis from a healthcare professional, treatment records, and detailed descriptions of how your symptoms impact your daily activities and employment capabilities. 3. What are the initial steps to file a long-term disability claim for an autoimmune disease in Canada? Start by reviewing your insurance policy details, gather all relevant medical documentation, and submit a... --- > Discover expert legal support for long-term disability claims related to vision and hearing loss with Tim Louis. Increase your chances of success with personalized assistance and comprehensive guidance. Contact us for a free consultation today! - Published: 2023-07-10 - Modified: 2024-09-14 - URL: https://timlouislaw.com/vision-and-hearing-loss/ Long-Term Disability Claims: Vision and Hearing Loss - Tim Louis can help Living with severe vision or hearing loss can significantly impact one's daily life and work capabilities. For those facing such challenges, long-term disability claims for vision impairment or hearing impairment are crucial in providing financial support and maintaining a stable quality of life. Disability claims can be so complex, especially when dealing with vision and hearing impairments. Tim Louis, a seasoned long-term disability lawyer, offers expert guidance to help you through this process. With extensive experience in long-term disability claims, Tim Louis and his dedicated team provide personalized legal assistance to ensure you receive the disability benefits for vision loss or hearing loss that you deserve. Seeking professional legal help can make a significant difference in the success of your claim, helping you secure the financial support necessary to manage your condition effectively. Understanding Vision and Hearing Loss Vision and hearing impairments can profoundly affect one’s quality of life, making everyday activities and work responsibilities challenging. Severe vision impairments include conditions like legal blindness, where vision is less than 20/200 even with corrective lenses, or a visual field of 20 degrees or less. Common causes include cataracts, macular degeneration, diabetic retinopathy, and glaucoma. These conditions can lead to significant difficulties in performing tasks that require clear vision, such as reading, driving, or recognizing faces. Hearing impairments range from partial hearing loss to profound deafness. Conditions like sensorineural hearing loss, which affects the inner ear or auditory nerve, and conductive hearing loss, affecting the outer or middle ear, are prevalent. Causes include prolonged exposure to loud noise, aging, infections, and genetic factors. Hearing loss can impact one’s ability to communicate effectively, participate in conversations, and perform jobs that require auditory awareness. Both vision and hearing loss can lead to social isolation, reduced job performance, and emotional distress. They necessitate adjustments in daily living and, in many cases, professional support to manage the associated challenges. Benefits of Choosing Tim Louis Law Tim Louis brings extensive expertise and experience in handling long-term disability claims for vision impairment disability and hearing impairment disability. With a compassionate, client-focused approach, Tim and his team provide personalized support, ensuring that clients receive the benefits they need to manage their impairments effectively and maintain their quality of life. Testimonials from satisfied clients highlight Tim’s dedication, thoroughness, and success in navigating complex disability claims. Understanding Your Rights Individuals with vision and hearing loss have legal rights and protections under various disability laws and regulations. These rights ensure fair treatment, reasonable accommodations in the workplace, and access to necessary benefits. Understanding these legal protections is crucial in advocating for your rights and securing the support you deserve. How We Can Help Tim Louis offers comprehensive assistance in filing long-term disability claims, navigating insurance disputes, and providing robust legal representation. His services include: Claim Filing Assistance: Detailed guidance on how to file a disability claim for vision loss or hearing loss, compiling and submitting thorough and accurate applications. Insurance Dispute Navigation: Expert handling of disputes with insurers to ensure fair consideration of claims. Legal Representation: Strong advocacy in appeals and legal proceedings to secure deserved benefits. Take Action Today If you are facing challenges with vision or hearing impairments and need assistance with your long-term disability claim, contact Tim Louis for a free consultation. Professional legal support can make a significant difference in securing the benefits you need. For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis is a dedicated disability lawyer with extensive experience in long-term disability claims. His compassionate approach and detailed understanding of disability law ensure that clients receive the support they need. Tim specializes in providing personalized legal assistance, advocating for clients’ rights, and navigating complex legal processes. Steps to Take Now Contact Tim Louis: Schedule a free consultation to discuss your specific case. Gather Documentation: Collect all relevant medical records and documentation. File Your Claim: With Tim’s guidance, submit a thorough and accurate application. Follow Up: Maintain communication with your insurer and Tim’s team for updates and additional support. Secure Your Benefits Today Don't navigate this journey alone. If you're struggling with vision and hearing loss and need assistance with your long-term disability claim, reach out to Tim Louis for a free personalized legal consultation. Experience the benefits of professional legal support and get the compensation you deserve. Contact Today: Phone: (604) 732-7678 Email: timlouis@timlouislaw. com Website: Visit Tim Louis Law Understanding your legal rights and the benefits available to you is the first step towards managing your condition with confidence. With Tim Louis Law, you gain not just a lawyer, but a committed ally who will fight tirelessly to ensure your rights and well-being are safeguarded. Let us help you secure the long-term disability benefits you need to maintain your quality of life. Frequently Asked Questions 1. What are the eligibility criteria for long-term disability benefits for vision or hearing loss? To qualify, your impairment must be severe, prolonged, and significantly limit your ability to perform essential job functions. Comprehensive medical documentation is required. 2. What types of benefits are available for vision and hearing loss? Benefits include private insurance, CPP Disability, and provincial programs like BC Disability Assistance, Alberta’s AISH, and Ontario’s ODSP. 3. How do I start the process of filing a long-term disability claim? Begin with a thorough medical evaluation, gather all necessary documentation, complete the application forms, and submit them to the appropriate insurer or agency. 4. What medical documentation is needed for a successful long-term disability claim? Required documentation includes vision tests, audiograms, functional assessments, and detailed reports from specialists. 5. Why might a long-term disability claim be denied? Common reasons for denial include inadequate evidence, pre-existing conditions, and late filing of the claim. 6. How can legal support improve my chances of a successful disability... --- > Struggling with a long-term disability claim due to Lyme disease? Tim Louis & Company specializes in securing the benefits you deserve. Learn about the challenges of Lyme disease claims, the importance of proper medical documentation, and how expert legal support can make all the difference. Contact us today for a free consultation and take the first step toward protecting your rights. - Published: 2023-07-10 - Modified: 2025-04-27 - URL: https://timlouislaw.com/lyme-disease-long-term-disability/ Lyme Disease and Long-Term Disability Claims - Tim Louis can help Long-term disability claims can be complicated, especially for individuals suffering from Lyme disease. Lyme disease, a tick-borne illness, often progresses to chronic stages, severely impacting one's daily life and work capabilities. The fluctuating and often debilitating symptoms can make it challenging to maintain regular employment, thereby necessitating the need for long-term disability benefits. However, securing these benefits is not always straightforward. Claiming long-term disability benefits for Lyme disease can be complicated, including providing comprehensive medical documentation, addressing pre-existing conditions, and adhering to strict filing deadlines. Many claimants face denials due to insufficient evidence or procedural errors. This is where the expertise of a professional disability lawyer, like Tim Louis, becomes invaluable. At Tim Louis & Company, we specialize in guiding clients through these challenges, ensuring they receive the benefits they deserve. Our compassionate and dedicated approach has helped many individuals secure the financial support needed to manage their condition and maintain their quality of life. Understanding Lyme Disease Definition and Common Symptoms of Lyme Disease Lyme disease is a tick-borne illness caused by the bacterium Borrelia burgdorferi. It is primarily transmitted through the bite of infected black-legged ticks. Early symptoms of Lyme disease can be mild and easily mistaken for other conditions. Common symptoms include: Fever Chills Headache Fatigue Muscle and joint aches Swollen lymph nodes Erythema migrans (EM) rash, often resembling a bull's-eye pattern How Lyme Disease Can Progress to Chronic Lyme Disease If Lyme disease is not diagnosed and treated promptly, it can progress to what is known as chronic Lyme disease or Post-Treatment Lyme Disease Syndrome (PTLDS). Chronic Lyme disease can develop months to years after the initial infection and is characterized by persistent symptoms that can severely impact one's quality of life. These symptoms include severe fatigue, widespread musculoskeletal pain, cognitive difficulties, sleep disturbances, and neurological problems. The progression to chronic Lyme disease can occur even in patients who received early antibiotic treatment, highlighting the need for continuous medical follow-ups and comprehensive care. The Impact of Chronic Lyme Disease on Physical and Mental Health Chronic Lyme disease can profoundly affect both physical and mental health. Physically, individuals may experience: Debilitating Fatigue: Severe tiredness that limits the ability to perform daily activities. Musculoskeletal Pain: Persistent joint and muscle pain, often mistaken for other conditions like Fibromyalgia. Neurological Symptoms: Difficulty concentrating, memory issues, and mood swings. Mentally, the impact is equally significant: Anxiety and Depression: The chronic nature of symptoms and difficulty in obtaining a definitive diagnosis can lead to mental health issues. Isolation: Many sufferers feel isolated due to the persistent and misunderstood nature of their condition. Cognitive Difficulties: Problems with memory, focus, and mental clarity can interfere with daily tasks and professional responsibilities. Comprehensive medical documentation and continuous medical evaluations are essential in substantiating the severity of the condition and its impact on the claimant's life. At Tim Louis & Company, we have the expertise to help clients effectively document their condition and navigate the complexities of the disability claims process. The Importance of Legal Support for Disability Appeals Role of Disability Lawyers Engaging a disability lawyer can significantly enhance the chances of a successful disability claim for Lyme disease. How a Lawyer Can Assist in Gathering and Presenting Evidence: Disability lawyers are experienced in understanding the specific evidence required to substantiate a claim. They can help gather comprehensive medical records, detailed physician statements, and other relevant documentation. Additionally, they can assist in organizing and presenting this evidence in a manner that clearly demonstrates the severity and impact of Lyme disease on your ability to work. Importance of Understanding Legal Language and Requirements:. A disability lawyer, like Tim Louis, can interpret and explain these complexities, ensuring that all legal criteria are met. This includes understanding the specific language used in insurance policies and the requirements set by governing bodies, which can be critical in avoiding technical denials. At Tim Louis & Company, we specialize in providing robust legal support for clients facing the challenges of long-term disability claims. Our expertise in dealing with complex cases, particularly those involving chronic conditions like Lyme disease, ensures that your claim is presented in the strongest possible light. We are committed to helping you secure the benefits you deserve, offering compassionate and dedicated legal representation every step of the way. The Benefits of Hiring a Disability Lawyer for Lyme Disease Claims Navigating the complex landscape of long-term disability claims, particularly for conditions like Lyme disease, can be overwhelming. Hiring a skilled disability lawyer offers numerous advantages: Expertise in Legal Procedures: A disability lawyer has in-depth knowledge of the legal requirements and procedures needed to file a successful claim. They understand the nuances of disability law and can guide you through every step. Thorough Documentation: Lawyers ensure that all medical records, documentation, and evidence are comprehensive and accurately presented. This increases the likelihood of your claim being approved. Effective Communication: A lawyer will handle all communications with insurance companies and other entities involved, reducing the risk of miscommunication or misinterpretation of your case. Advocacy and Support: Legal professionals advocate on your behalf, ensuring your rights are protected and that you receive fair treatment throughout the claims process. Take Action Today For a free legal consultation, call Tim Louis at (604) 732-7678. Let us be your advocate in securing the benefits you rightfully deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Tim Louis About Tim Louis Tim Louis, a seasoned lawyer based in Vancouver, British Columbia, specializes in advocating for clients with lyme disease and long-term disability claims. His expertise in disability litigation extends to complex cases involving lyme disease. Tim Louis and his dedicated team offer personalized legal support, ensuring clients navigating the intricate landscape of lyme disease disability claims receive expert guidance and representation. For comprehensive assistance with your long-term disability claim, visit Tim Louis. Secure Your Benefits Today If you are facing challenges with your long-term disability claim due to Lyme disease, seeking professional... --- > Need probate help in BC? Our trusted Vancouver probate lawyer makes estate administration easy. Book your free consultation today and protect your family’s future. - Published: 2023-07-10 - Modified: 2025-04-26 - URL: https://timlouislaw.com/probate-lawyer-vancouver/ Probate Lawyer Vancouver: Expert Guidance for Estate Administration - with Tim Louis Simplifying the probate process for families and executors in British Columbia. Losing a loved one is never easy — and dealing with legal paperwork shouldn’t add to your stress. If you're facing the probate process in British Columbia, you're likely feeling overwhelmed by court forms, timelines, and legal duties. That’s where a trusted probate lawyer in Vancouver can help. At Tim Louis & Company, we guide families and executors through every step of the probate process — from preparing documents for the Supreme Court of BC to distributing estate assets to beneficiaries. With over 40 years of experience, Tim Louis provides compassionate, effective legal support so you can focus on what matters most. What is Probate in BC? Probate is the legal process that confirms the validity of a will and authorizes an executor to act on behalf of the estate. In British Columbia, probate is often required when the deceased held significant assets, real estate, or financial accounts that cannot be accessed without court approval. If the person passed away without a will, the estate may require a Grant of Administration, and the court will appoint an administrator. Whether you’re an executor or family member, the probate process ensures that assets are distributed legally, debts are resolved, and beneficiaries receive what they’re entitled to under BC law. The Probate Process in British Columbia (Step-by-Step) The probate process can feel complex — especially during a time of loss. Below is a simplified outline of how probate works in BC, and how an experienced Vancouver probate lawyer can help: Step 1: Prepare and File the Probate ApplicationGather the will, death certificate, and complete probate forms to submit to the Supreme Court of BC. Step 2: Confirm the Executor’s AuthorityThe court reviews your documents and, if approved, issues a Grant of Probate. Step 3: Inventory the EstateList all assets, liabilities, and taxes. This is essential for fair distribution and legal compliance. Step 4: Pay Debts and TaxesBefore distributing anything, the executor must settle outstanding debts, taxes, and funeral costs. Step 5: Distribute the EstateOnce all obligations are met, the executor distributes the remaining assets according to the will — or intestacy rules if no will exists. At every step, a probate lawyer ensures nothing is missed, deadlines are met, and the estate is handled legally and efficiently. Common Questions About Probate in BC How do I apply for probate in British Columbia? To apply for probate in BC, you must submit a complete application package to the Supreme Court of British Columbia. This typically includes the deceased’s original will, death certificate, a detailed list of assets and liabilities, and required probate forms. Working with an experienced probate lawyer in Vancouver can help you avoid common mistakes, reduce delays, and ensure the application meets all legal requirements. What does a probate lawyer in Vancouver do? A Vancouver probate lawyer supports executors and family members through every step of the probate and estate administration process. This includes preparing legal documents, filing for a grant of probate, assisting with creditor notifications, settling debts and taxes, and distributing assets to beneficiaries—all in accordance with British Columbia’s probate laws and court procedures. Estate and Probate Legal Services in Vancouver At Tim Louis Law, we’re here to make the estate process as smooth and stress-free as possible. Whether you’re planning ahead or acting as an executor, we offer: Wills and Estate Planning: Draft enforceable wills and powers of attorney. Probate Applications: File court forms to obtain a Grant of Probate. Executor Guidance: Understand your duties and stay compliant under BC law. Letters of Administration: Apply to administer an estate when no will exists. Estate Litigation: Handle will challenges, undue influence claims, and beneficiary disputes. Ready to speak with a trusted probate lawyer in Vancouver? Contact Tim Louis at (604) 732-7678 or timlouis@timlouislaw. com to book your free consultation. Why Choose a Vancouver-Based Probate Lawyer? Choosing a local probate lawyer ensures that your legal support is aligned with British Columbia’s laws and local court procedures. Based in Vancouver for over 40 years, Tim Louis understands the complexities of estate law in BC and has helped countless families navigate probate with clarity and compassion. We offer affordable legal services, straightforward communication, and personal attention from start to finish. Why Choose Tim Louis Law When it comes to estate planning and probate law, choosing the right legal team makes all the difference — not only to protect your wishes but to ensure your loved ones are supported during a difficult time. Here’s why clients across Vancouver and British Columbia trust Tim Louis Law with their probate and estate matters: Deep Expertise in BC Probate and Estate Law With over 40 years of legal experience, Tim Louis has a thorough understanding of the Wills, Estates, and Succession Act (WESA) and the rules that govern probate and estate administration in BC. His knowledge ensures your estate is managed properly, helping avoid delays, disputes, and costly errors. Personal, Compassionate Legal Support Probate and estate matters can be emotional, especially after the passing of a loved one. Tim Louis is known for his warm, empathetic approach. He takes the time to understand your unique circumstances and provides legal guidance that’s both clear and compassionate. Full-Service Estate and Probate Support Whether you’re writing a will, acting as an executor, or resolving an estate dispute, Tim Louis Law offers start-to-finish legal support. From probate applications to estate closure, you’ll have a trusted advocate by your side at every step. Proven Estate Litigation Experience Disputes over wills or estate fairness require skilled legal representation. Tim Louis has successfully helped clients challenge or defend wills across BC, ensuring estates are administered fairly and in accordance with the law. Trusted by Clients Across Vancouver Clients consistently praise Tim’s professionalism, responsiveness, and ability to simplify even the most complex legal issues. With a strong track record and a personal commitment to every file, you’re not just hiring a lawyer... --- > Looking for a trusted wills lawyer in Vancouver? Tim Louis Law helps you create a legally binding will that protects your family and honours your wishes. Free consultations available. - Published: 2023-07-10 - Modified: 2025-03-21 - URL: https://timlouislaw.com/wills-lawyer-vancouver/ Wills Lawyer Vancouver - Tim Louis Protect Your Legacy with a Comprehensive Will Tailored to Your Needs Work with a Trusted Wills Lawyer in Vancouver to Protect Your Legacy Creating a will is one of the most important steps you can take to protect your loved ones and ensure your final wishes are honoured. At Tim Louis & Company, we’ve helped individuals and families across Vancouver draft legally binding wills that stand the test of time. Whether you’re preparing your first will or updating an existing one, our team is here to provide compassionate, professional guidance every step of the way. A properly drafted will gives you peace of mind today and prevents costly disputes or delays in the future. With over 40 years of experience, Tim Louis is a trusted wills lawyer in Vancouver who takes the time to understand your needs and craft a plan that protects your legacy. Request a Free Consultation Why You Need a Legally Binding Will in British ColumbiaMany people delay making a will, believing it’s only necessary later in life or if they have significant wealth. In reality, a legal will is essential for anyone who wants to protect their loved ones and ensure their wishes are followed after death — regardless of age or income. Creating a will allows you to:Appoint a trusted executor to manage your estateDecide who inherits your home, savings, and personal belongingsName a guardian for minor childrenReduce the chance of family disputes or court challengesEnsure your estate is handled according to your wishes — not just BC’s default rulesWithout a valid will, your estate will be distributed under BC’s Wills, Estates and Succession Act (WESA), which may not align with your intentions. Working with an experienced wills lawyer in Vancouver helps you avoid uncertainty and gives your family peace of mind. What Happens If You Die Without a Will in British Columbia? If you pass away without a will in BC, you’re considered to have died “intestate. ” In this case, the court will appoint someone to act as your estate administrator, and your assets will be distributed based on default rules set out in the Wills, Estates and Succession Act (WESA) — not your personal wishes. This can result in:Your estate going to family members you didn’t intend to benefitNo legal guardian named for your minor childrenCostly delays and added court involvementIncreased stress for your loved ones during an emotional timeBy working with a qualified wills lawyer in Vancouver, you can avoid these complications and ensure your estate is handled exactly the way you want. Common Mistakes to Avoid When Making a WillWhile you can write a will yourself, even small errors can make it legally invalid — especially in British Columbia, where specific rules must be followed. Some of the most common mistakes include: Not following BC’s legal requirements for signing and witnessing Using vague or unclear language that leads to disputes Failing to update your will after major life changes like marriage, divorce, or having children Forgetting to include certain assets, debts, or digital accountsA legally binding will must meet strict standards to be enforceable. By working with a knowledgeable wills lawyer in Vancouver, you can avoid these pitfalls and gain confidence that your will truly reflects your wishes — now and in the future. Why Choose Tim Louis as Your Wills Lawyer in VancouverWhen it comes to protecting your legacy, choosing the right lawyer matters. At Tim Louis & Company, we bring over 40 years of legal experience to every will we draft — combining deep knowledge of BC estate law with a personalized, compassionate approach. Here’s why Vancouver clients trust us with their wills and estate planning: Local expertise you can trustTim Louis understands the Wills, Estates and Succession Act (WESA) and how it applies to your unique situation in British Columbia. Tailored legal guidanceNo two clients are alike. We take the time to understand your goals and ensure your will reflects your values, priorities, and family needs. Trusted reputation in VancouverKnown for his integrity and results, Tim Louis has earned the confidence of clients across the Lower Mainland — many of whom return for help with estate planning, probate, and representation agreements. Clarity and peace of mindWith our guidance, you’ll walk away with a will that’s clear, complete, and legally binding — avoiding common mistakes and ensuring your wishes are respected. Whether you're preparing a simple will or managing more complex family or financial dynamics, Tim Louis is the wills lawyer Vancouver residents rely on for trusted legal support. Get Started with a Trusted Wills Lawyer in VancouverYour will is one of the most important documents you’ll ever create — and it’s never too early to get started. At Tim Louis & Company, we make the process simple, affordable, and tailored to your unique needs. Whether you’re writing your first will or updating an existing one, we’re here to help you protect your family and your future. Call us today at (604) 732-7678 Or email: timlouis@timlouislaw. com Serving clients throughout Vancouver and the Lower MainlandBook your free consultation with a trusted wills lawyer in Vancouver — and take the first step toward peace of mind. Request Your Free Consultation Today Ready to take the first step toward protecting your loved ones and securing your legacy? Connect with Tim Louis — a trusted wills lawyer in Vancouver — for a free, no-obligation consultation. We’ll walk you through the process of creating a legally sound will and help you build an estate plan that reflects your values and goals. Call us at (604) 732-7678 Or email: timlouis@timlouislaw. com We’re here to help you plan with confidence, clarity, and care. Request a Free Consultation About Tim LouisTim Louis is a highly experienced wills lawyer based in Vancouver, BC, with over 40 years of legal service helping individuals and families plan for the future. He is known for his clear, compassionate approach to drafting legally binding wills and guiding clients through the estate planning process with... --- > Protect your assets and plan for the future with expert trust and estate lawyers in Vancouver. Tim Louis & Company offers personalized legal services to ensure your wishes are honored. Contact us today for trusted advice. - Published: 2023-07-10 - Modified: 2025-04-05 - URL: https://timlouislaw.com/expert-trust-lawyers-in-vancouver-tim-louis-company/ Protect Your Legacy with Trusted Trust Planning Expert in Vancouver - Tim Louis Expert Trust Lawyer in Vancouver | Tim Louis & Company Creating a trust is one of the most powerful ways to protect your loved ones and ensure your wishes are carried out. Whether you’re planning for the future or navigating a complex estate, Tim Louis & Company is here to guide you every step of the way. Simplify Your Estate Planning and Secure Your Family’s Future With over 40 years of experience in trust and estate law, Tim Louis provides compassionate, expert legal support tailored to your unique needs. From setting up trusts to resolving disputes, we simplify the legal process so you can focus on what matters most—your family and your peace of mind. Book a Free Consultation Today Planning for the Future Can Feel Overwhelming—We’re Here to Help Are you worried about how your assets will be protected or distributed after you’re gone? Whether you’re safeguarding your family’s financial future or managing a complex estate, navigating trust and estate planning can be daunting. Without the right guidance, it’s easy to feel overwhelmed by legal jargon and decisions that will impact your loved ones for generations. That’s where Tim Louis comes in. With over 40 years of experience in trust and estate law, Tim Louis has been a trusted advocate for families across Vancouver and British Columbia. Known for his compassionate approach, Tim specializes in simplifying even the most intricate legal processes, empowering you to make informed decisions with confidence. Let us help you create a clear, tailored trust plan that protects your assets, reduces conflict, and gives you peace of mind for the future. What is a Trust? A trust is a legal arrangement where assets are transferred to and managed by a trustee for the benefit of one or more beneficiaries. This flexible tool allows you to protect your assets, provide for your loved ones, and ensure your wishes are honored. Types of Trusts Trusts come in different forms to suit varying needs. Here are three of the most common types: Inter Vivos Trusts (Living Trusts) Created during your lifetime. Helps you manage assets while still alive and ensures a smooth transfer to beneficiaries after your passing. Often used for tax planning and avoiding probate. Testamentary Trusts Created through your will and activated after your death. Commonly used to provide for minors, dependents with disabilities, or other vulnerable beneficiaries. Family Trusts Designed to preserve and transfer wealth within a family. Used for tax minimization, succession planning, and protecting family assets from external risks. How Does a Trust Work? Here’s a simplified view of a trust’s key roles: Settlor → Transfers assets into the trust. Trustee → Manages assets according to the terms of the trust. Beneficiary → Receives benefits from the trust (e. g. , income, inheritance). Diagram illustrating the relationship between the settlor, trustee, and beneficiary. At Tim Louis & Company, we help you determine the best type of trust for your unique needs and guide you through every step of the process. Contact us today to learn more about trust planning in Vancouver. Trust Administration Services Made Simple Administering a trust comes with significant legal and financial responsibilities. For trustees, the role can quickly become overwhelming, especially when navigating the complexities of Canadian laws, asset management, and family dynamics. At Tim Louis & Associates, we’re here to provide expert guidance every step of the way. How Tim Louis Supports Trust Administration Helping Trustees Fulfill Their Legal Duties Trustees have a fiduciary responsibility to act in the best interests of the beneficiaries. Tim Louis ensures trustees: Understand their obligations. Avoid conflicts of interest. Carry out their duties transparently and ethically. Ensuring Compliance with Trust Terms and Canadian Laws Missteps in trust administration can result in costly legal disputes or penalties. Tim Louis offers precise legal support to: Interpret and enforce the terms of the trust. Ensure compliance with Canadian laws, including taxation rules and reporting requirements. Managing Trust Assets Efficiently Proper asset management is key to protecting the trust’s value and meeting beneficiaries’ needs. Tim helps trustees: Oversee investments and financial decisions responsibly. Distribute assets according to the trust’s instructions. Work seamlessly with accountants, financial planners, and other professionals. Let Us Handle the Complexities for You “Administering a trust can be overwhelming. We’ll handle the complexities, so you don’t have to. ” Tim Louis With over 40 years of experience in trust and estate law, Tim Louis ensures that trusts are administered smoothly, efficiently, and in full compliance with the law. Whether you’re a trustee needing guidance or a beneficiary with concerns, our team is here to help. Contact Us for Expert Trust Administration Services Trust Disputes and Litigation: Protecting Your Interests Trust disputes can be emotionally and financially draining, often straining relationships between trustees and beneficiaries. At Tim Louis & Associates, we specialize in resolving trust conflicts efficiently—whether through negotiation, mediation, or litigation—to protect your interests and preserve family harmony. Common Trust Disputes We Handle Trustee Mismanagement or Breach of Duty When trustees fail to fulfill their legal obligations—whether through negligence, conflicts of interest, or mismanagement—it can jeopardize the trust’s assets and purpose. Disputes Over Beneficiary Entitlements Conflicts can arise when beneficiaries disagree over distributions, trust terms, or trustee decisions. We provide clear legal representation to ensure fair outcomes. Challenges to the Validity of Trusts Trusts may be contested on grounds of undue influence, lack of capacity, or improper execution. We analyze the circumstances and fight to protect your rights. Proven Experience in Trust Dispute Resolution With over 40 years of experience in estate and trust law, Tim Louis understands the complexities of trust disputes and prioritizes practical, cost-effective solutions. Whether resolving disagreements through negotiation, mediation, or in court, Tim’s goal is to achieve outcomes that protect assets while minimizing stress and conflict. Facing a Trust Dispute? We’re Here to Help Trust disputes are complex, but you don’t have to face them alone. With Tim Louis’ expertise, you can resolve conflicts efficiently... --- > Understand the importance of a Power of Attorney in British Columbia. Learn how Tim Louis & Company can help you protect your rights and ensure your wishes are followed. Get expert legal guidance today! - Published: 2023-07-10 - Modified: 2025-02-01 - URL: https://timlouislaw.com/power-of-attorney/ Trusted Power of Attorney Services in Vancouver – Secure Your Future Today - with Tim Louis Ensure Your Financial and Legal Affairs Are in Trusted Hands with Expert Power of Attorney Solutions from Tim Louis Law. Managing your legal and financial affairs is a critical part of planning for the future, especially in times of uncertainty. A Power of Attorney (POA) is a legal document that ensures your affairs are handled by a trusted individual if you are unable to manage them yourself. Whether you’re preparing for unforeseen circumstances or proactively securing your legacy, a Power of Attorney provides peace of mind for you and your loved ones. At Tim Louis Law, we understand the importance of having a well-crafted Power of Attorney tailored to your unique needs. With over 40 years of experience serving clients in Vancouver and across British Columbia, our team offers expert legal guidance to help you navigate the complexities of creating and managing a POA. From drafting customized documents to providing advice on Enduring Powers of Attorney in BC, Tim Louis Law is committed to delivering personalized, compassionate service. We take the time to understand your specific circumstances and ensure your wishes are legally protected. Let us help you take the first step in safeguarding your future. With Tim Louis Law as your partner, you can feel confident that your legal and financial interests are in trusted hands. Power of Attorney Services At Tim Louis Law, we specialize in providing expert guidance on all aspects of Powers of Attorney, ensuring that your financial, legal, and personal needs are handled with precision and care. With over 40 years of experience, we understand how important it is to protect your interests and empower you to make informed decisions for your future. Our Key Power of Attorney Services Drafting and Customizing Powers of Attorney Documents We tailor each Power of Attorney (POA) to meet your unique requirements, ensuring your wishes are legally binding and clear. Assistance with Enduring Power of Attorney (EPOA) Protect your financial and legal matters with an EPOA that remains effective even if you lose capacity. Legal Guidance for Springing Power of Attorney Activation Navigate the complexities of activating a Springing POA, which only takes effect under specific conditions. Representation in Disputes or Misuse Cases If a Power of Attorney is being misused or contested, our experienced lawyers will advocate for your rights and resolve conflicts efficiently. Advice on Combining POAs with Estate Planning Tools We help integrate Powers of Attorney with other estate planning solutions, like wills and trusts, to provide comprehensive protection for your family and assets. Why Work with Tim Louis Law? Experience You Can Trust: With decades of experience as a trusted Vancouver Power of Attorney lawyer, Tim Louis ensures your needs are prioritized. Tailored Legal Solutions: We believe no two clients are the same, and our personalized approach reflects that. A Local Partner You Can Rely On: Serving Vancouver and all of British Columbia, we stay up-to-date with local laws to offer accurate and relevant advice. Whether you’re looking to create an Enduring Power of Attorney in BC, resolve disputes, or simply need legal assistance for POA in British Columbia, Tim Louis Law is here to guide you every step of the way. Why Choose Tim Louis & Company When it comes to Powers of Attorney, experience and trust are non-negotiable. At Tim Louis & Company, we bring over 40 years of dedicated service in trust and estate law to Vancouver and British Columbia. Our goal is to provide you with the confidence and peace of mind that your legal and financial affairs are in trusted hands. Experience and Expertise You Can Rely On Decades of Practice: With over four decades of experience, Tim Louis has successfully guided countless clients through the complexities of Powers of Attorney and estate planning in BC. Personalized Approach: We pride ourselves on offering a client-centered approach, understanding that every individual and family has unique needs. Proven Results: Our track record of delivering successful outcomes speaks to our commitment to excellence and our clients’ satisfaction. Tim Louis provides expert guidance to simplify this often-complex process. From assisting executors with filing the necessary court documents to helping families understand their legal responsibilities, Tim Louis offers comprehensive legal support for probate cases. Whether dealing with a straightforward estate or a more complicated situation involving multiple beneficiaries or assets, having a probate lawyer ensures that the estate is settled fairly, minimizing the risk of disputes and legal issues. By working with an experienced probate lawyer, you can feel confident knowing that your loved one’s wishes are respected and that all legal obligations are met in accordance with British Columbia’s probate laws. Tim Louis Law is here to provide clarity, support, and peace of mind during this challenging time. Benefits of Having a Power of Attorney Life is full of unexpected twists, and planning for the unknown is one of the most important steps you can take to protect yourself and your family. A Power of Attorney (POA) ensures that your legal and financial affairs are managed by someone you trust if you become unable to make decisions yourself. Trusted Management of Your Affairs By appointing a trusted individual to act on your behalf, you can rest assured that your finances, property, and legal matters will be handled according to your wishes. From paying bills to managing investments, a POA provides the legal authority to keep your affairs in order. Avoid Court Intervention or Committeeship Without a valid Power of Attorney, your loved ones may have to go through a costly and time-consuming court process to gain the authority to manage your affairs, known as committeeship in British Columbia. This process can lead to delays and added stress during an already difficult time. A well-drafted POA eliminates the need for court intervention, ensuring your interests are protected seamlessly. Minimize Stress and Financial Strain on Your Family When unexpected events occur, the last thing your family needs is the added... --- > Denied long-term disability in BC? Tim Louis has over 40 years' experience fighting LTD claim denials. Free consult. Invisible illness? We can help. - Published: 2023-07-10 - Modified: 2025-05-15 - URL: https://timlouislaw.com/ltd-appeals-vancouver/ Long-Term Disability Appeals Lawyer in Vancouver - Tim Louis can help Denied disability benefits? You still have options — and you don’t have to face this alone. When your long-term disability claim is denied, it doesn’t just feel unfair — it feels personal. You’ve followed the process, seen your doctor, told your truth. And yet, your insurer says no. At Tim Louis Law, we’ve been helping people across Vancouver and British Columbia for over 40 years fight back after an LTD denial. We don’t just understand the law — we understand the emotional toll. You don’t need to face this system alone. You need a steady hand, a clear path, and someone who knows exactly how these companies work. “Tim was the only lawyer who would help me. He called me back himself and treated me like a real person — not just a case. ”— ⭐⭐⭐⭐⭐ Krystal, Google Review Request a Free Consultation Download the 7-Step LTD Appeal Checklist Why LTD Denials HappenIf your disability claim was denied, it doesn’t mean you did anything wrong. Many people assume that a denial means they don’t qualify — but in our experience, that’s simply not true. Insurance companies deny valid LTD claims every day. Often, it’s not because you failed to meet the criteria. It’s because they’ve set the bar unfairly high, misunderstood your condition, or focused on technicalities instead of the whole picture. Here are some of the most common reasons we see:“Insufficient medical evidence” — even when your doctor clearly supports your case“You don’t meet the policy definition of disabled” — often interpreted in narrow or misleading waysMissed deadlines or incomplete forms — small paperwork issues used as leverageSurveillance or third-party assessments — sometimes biased or taken out of contextInvisible disabilities — like mental illness, chronic fatigue, or neurological conditions insurers claim they “can’t measure”You didn’t fail. The system did. And we know how to hold it accountable. How Tim Louis Law Can Help You AppealWe handle the fight so you can focus on healing. Appealing a denied LTD claim can feel overwhelming — but it doesn’t have to be. At Tim Louis Law, we take the complexity off your shoulders and build a strong, evidence-based appeal that speaks your truth clearly and powerfully. Here’s what we do, step by step: We analyze your denial and your fileWe carefully review every detail in your insurer’s denial letter, your original claim file, and any medical records you’ve submitted. We look for the gaps — not in your health, but in their process. We gather persuasive medical evidenceWe work directly with your family doctor, specialists, and if needed, independent medical experts. We know what insurers expect — and how to present your condition in a way that cannot be ignored. We challenge the insurer’s tacticsIf your claim was denied based on a technicality, vague definition, or a so-called “independent assessment,” we challenge it. Insurers rely on patterns. We disrupt them with facts. We submit a complete legal appealWe don’t send form letters. We build a strategic, customized legal submission that reframes your case. And we include everything they missed. “Most of my clients don’t know where to begin. That’s okay. Just start by calling me. ” Tim LouisWhat Makes Tim Louis DifferentNot every lawyer takes LTD appeals. Even fewer take your story seriously. There’s no shortage of law firms that promise results. But when you’ve been denied disability benefits, what you need first isn’t a promise. It’s someone who will truly listen. That’s what sets Tim Louis apart. For over 40 years, Tim has built a reputation not just as a lawyer, but as an advocate for people who’ve been overlooked, doubted, or dismissed — often by the very systems that were supposed to help. Clients say the same thing again and again:“Tim didn’t talk down to me. ”“He called me back the same day. ”“He made me feel like I mattered. ”40+ Years of Trusted AdvocacyTim has handled LTD claims since the 1980s. He’s not learning this area — he’s shaped it. You’ll benefit from decades of experience challenging insurers at every level. Grounded, ethical, and on your sideYou won’t find flashy claims here. What you will find is honest advice, a calm voice in chaos, and a lawyer who won’t back down when it counts. “The law should serve people — not intimidate them. That’s how I’ve practiced from the beginning. ” — Tim LouisThe LTD Appeal Process in BC – Step by StepNo guesswork. No legal jargon. Just a clear path forward. Most people who come to us have no idea where to start — and that’s okay. You don’t need to know the process. You need a long-term disability lawyer who will win your case. Here’s what it looks like when we handle your appeal:1. Free ConsultationWe begin with a no-cost, no-obligation call. You tell us your story. We review your denial letter and let you know — honestly — if you have a case. 2. File Review + StrategyWe obtain your full claim file from the insurer, identify where things went wrong, and map out the exact steps to challenge the denial. This is where most appeals fall apart without help. We make it airtight. 3. Evidence GatheringWe build your case with updated medical records, specialist reports, functional assessments — and when needed, expert opinions. Invisible conditions? We make them seen. 4. Legal Submissions + NegotiationWe draft a powerful legal appeal that includes what your insurer ignored. We speak their language — and make your claim undeniable. 5. Resolution or CourtMany cases settle before trial. If not, we’re fully prepared to represent you in court. You won’t be left to fight this alone. “You don’t have to navigate this alone. I’ll explain what matters, take on what’s overwhelming, and guide you every step of the way. ” – Tim LouisFrequently Asked QuestionsReal questions we hear from real people — with honest, human answers. How long do I have to appeal my LTD denial in BC? Every... --- > Dismissal without cause in BC? Explore your rights with Tim Louis Law. Get expert advice and ensure justice with our experienced team. - Published: 2023-06-22 - Modified: 2025-04-05 - URL: https://timlouislaw.com/dismissal-without-cause/ Dismissal Without Cause - Your Rights and How We Can Help Have you been dismissed from your job without a valid reason? This can be a stressful and confusing time. You may be wondering what your rights are and how you can fight for them. At Tim Louis Law, we specialize in representing individuals who have been unfairly dismissed without cause. We're here to guide you through this challenging period and ensure you receive the justice you deserve. Understanding Dismissal Without Cause In British Columbia, under the BC Employment Standards Act, an employer can dismiss an employee without cause, but they must provide adequate notice or pay in lieu of notice. However, the situation becomes complex when employers fail to meet these obligations or allege a 'just cause' dismissal when one does not exist. Your Rights Under BC Employment Standards Act You are entitled to notice or pay in lieu of notice if dismissed without cause. The length of notice or pay depends on your length of service. You may be entitled to additional compensation if the dismissal was unjust. How We Can Help At Tim Louis Law, we have nearly four decades of experience in employment law. We're committed to fighting for your rights and ensuring you receive the compensation you deserve. Here's how we can assist you: Review Your Case: We'll thoroughly review the circumstances of your dismissal to determine if it was indeed without cause. Explain Your Rights: We'll clearly explain your rights under the BC Employment Standards Act and what you're entitled to. Fight for Your Compensation: We'll aggressively negotiate with your former employer or their legal representative to ensure you receive fair compensation. Represent You in Court: If necessary, we're prepared to take your case to court and fight for your rights. Why Choose Tim Louis? Experience: With nearly 40 years of experience in employment law, we have the knowledge and skills to handle your case effectively. Client-Centered Approach: We prioritize your needs and concerns, providing personalized legal advice tailored to your situation. Proven Track Record: Our success in representing clients in similar situations speaks for itself. We're known for winning cases that initially seem unwinnable. Take Action Today Don't let an unfair dismissal without cause disrupt your life and career. Contact Tim Louis Law today for a free consultation. We're ready to fight for your rights and ensure you receive the justice you deserve. Call us at 604-732-7678 or email us at timlouis@timlouislaw. com. Contact Us Our Services Key Takeaways Understanding Dismissal Without Cause: In British Columbia, employers can dismiss an employee without cause, but they are required by the BC Employment Standards Act to provide adequate notice or pay in lieu of notice. The situation can become complex if employers fail to meet these obligations or falsely claim a 'just cause' dismissal. Your Rights and Legal Support: If you've been dismissed without cause, you are entitled to certain rights under the BC Employment Standards Act. These include receiving notice or pay in lieu of notice, and possibly additional compensation if the dismissal was unjust. Tim Louis Law, with nearly four decades of experience in employment law, can help you understand these rights, review your case, fight for your compensation, and represent you in court if necessary. Why Choose Tim Louis Law: Tim Louis Law offers a client-centered approach, providing personalized legal advice tailored to your situation. With a proven track record and extensive experience in employment law, they are known for effectively handling cases and winning even those that initially seem unwinnable. If you've been unfairly dismissed, don't hesitate to contact Tim Louis Law for a free consultation. Frequently Asked Questions What is termination for cause? Termination for cause is a serious matter. It's when an employer ends an employee's contract due to a significant failure or misconduct on the part of the employee. This could include theft, chronic tardiness, or insubordination. However, an employer's claim of 'just cause' doesn't always stand up in court. I've represented many clients who were terminated under the guise of 'just cause', only to demonstrate that the alleged cause was unfounded. What are the two most common circumstances for termination? The two most common circumstances for termination are dismissal for cause and dismissal without cause. Dismissal for cause occurs when an employer terminates an employee for a serious reason, such as misconduct or performance issues. Dismissal without cause, on the other hand, occurs when an employee is let go not due to their actions or performance, but due to other factors like company restructuring. In both cases, it's crucial to have a seasoned lawyer on your side to ensure your rights are protected. How to terminate an employee? Terminating an employee is a delicate process that must be handled with care. Employers must follow the guidelines set out by the BC Employment Standards Act, which includes providing adequate notice or pay in lieu of notice. However, the process can become complicated, especially when 'just cause' is alleged. If you've been terminated and feel that your employer didn't follow the correct procedures, it's time to consult a lawyer. What is the difference between wrongful termination and unfair dismissal? Wrongful termination and unfair dismissal are terms often used interchangeably, but they do have distinct meanings. Wrongful termination refers to a situation where an employer has terminated an employee in violation of legal protections, such as terminating an employee due to discrimination. Unfair dismissal, on the other hand, refers to a situation where an employer terminates an employee without a fair reason or without following a fair process. Both situations can be deeply distressing, and it's important to have a lawyer who can fight for your rights. What are the legal remedies for employment dismissal without cause? If you've been dismissed without cause, you may be entitled to compensation. This can include pay in lieu of notice, which is typically in the range of 4-5 months of pay per year of employment. However, every case is unique, and the exact... --- > Get compensation for burn injuries with the professional guidance of personal injury lawyer Tim Louis. With years of experience, he's the trusted legal advocate you need. Pursue justice and compensation confidently. - Published: 2023-05-31 - Modified: 2025-04-26 - URL: https://timlouislaw.com/legal-remedies-for-burn-injuries/ Pursuing Legal Remedies for Burn Injuries in British Columbia: Your Advocate, Tim Louis At Tim Louis Law, we are your dependable partner for personal injury litigation in Vancouver, British Columbia. Having represented personal injury claimants for decades, Tim Louis and his dedicated team are committed to extending high-quality legal support to victims of burn injuries caused by another party's negligence. We understand the physical, emotional, and economic strain that burn injuries can impose on victims and their families, and we are devoted to aiding you in pursuing justice and fair compensation. Burn Injuries In personal injury cases involving burns, it's vital to grasp the severity and potential long-term implications of such injuries. Burn incidents can happen in several situations, including: Occupational Hazards: Chemical burns from dangerous materials Electrical burns from defective machinery Thermal burns from fires or explosions> Automobile Accidents: Burns resulting from car accidents, particularly in scenarios involving fuel leaks or fires. Faulty Products: Burns due to malfunctioning appliances, electronics, or other consumer goods. Premises Liability: Burns sustained as a result of fires, explosions, or unsafe conditions on another person's property. Medical Malpractice: Burns arising from surgical errors, incorrect diagnosis, or carelessness during medical procedures. Consequences of Burn Injuries Burn injuries can inflict severe physical, emotional, and economic burdens on victims and their families. Some frequent outcomes of burn injuries encompass: Physical Distress and Disability: Burns can lead to unbearable pain, scarring, disfigurement, and long-lasting physical handicaps. Emotional Trauma: Burn victims often endure emotional distress, anxiety, depression, and a diminished quality of life. Healthcare Costs: The expenses of medical treatments, surgeries, hospitalizations, medication, and rehabilitation can be staggering. Income Loss: Burn injuries might necessitate prolonged absences from work, resulting in a loss of earnings and financial insecurity. Rehabilitation and Support: Victims might need ongoing rehabilitation, counseling, and support to handle the physical and emotional repercussions of their injuries. Advocating for Compensation for Burn Injuries If you or a family member has sustained burn injuries due to another person's negligence, it's crucial to seek the advice of a seasoned personal injury lawyer like Tim Louis. Our legal team possesses profound knowledge of personal injury law in British Columbia and is devoted to aiding you in securing the compensation you are entitled to. Here's how we can support you: Case Evaluation: We provide a complimentary initial consultation to scrutinize your case's specifics, establish liability, and consider your legal avenues. Evidence Collection: b. Our team will undertake a comprehensive investigation, gather pertinent evidence, and consult with experts to fortify your case. Legal Consultation: c. We will navigate you through the legal procedures, clarify your rights, and offer candid advice tailored to your distinct circumstances. Negotiation and Settlement: d. We will negotiate hard with insurance firms and the defendant to attain a just settlement that accommodates your damages. Litigation: e. If a just settlement cannot be agreed upon, we are ready to argue your case in court and champion your rights before a judge and jury. Free Legal Consultation The Tim Louis Law Advantage When handling personal injury claims involving burn injuries, selecting the right lawyer can significantly affect the outcome. Here's why Tim Louis Law is a trustworthy choice for your burn injury case: Experience and Proficiency: Tim Louis has significant experience managing personal injury cases, including those involving burn injuries. His expertise and success in personal injury law make him a reliable advocate for burn injury victims in British Columbia. Empathetic Approach: At Tim Louis Law, we acknowledge the unique hardships burn injury victims encounter. We approach each case with understanding, empathy, and a dedication to providing personalized legal representation. Holistic Legal Support: Our team is knowledgeable about the intricacies of burn injury cases. We will handle all facets of your legal journey, from gathering evidence and negotiating with insurance companies to representing you in court, if needed. Network of Experts: We have established strong bonds with medical experts, accident reconstruction specialists, and other professionals who can offer valuable insights and testimony to reinforce your case. Proven Track Record: Tim Louis Law has a consistent record of securing favourable settlements and verdicts for our clients. We have successfully claimed compensation for medical expenses, pain and suffering, lost wages, and more. Tim Louis will Fight for You If you or a family member have experienced burn injuries as a consequence of another person's negligence, do not hesitate to get in touch with Tim Louis Law today. We are prepared to offer the legal support and guidance you require to pursue justice and get the compensation you deserve. Contact us at (604) 732-7678 or via email at timlouis@timlouislaw. com to schedule your free initial consultation. Keep in mind, timing is critical when lodging a personal injury claim, so don't delay. Allow us to advocate for your rights while you concentrate on your recovery. FAQ What constitutes a burn injury in terms of personal injury law? In the context of personal injury law, a burn injury refers to any damage to the skin or underlying tissues caused by heat, chemicals, electricity, or radiation. These injuries can result from various incidents, such as car accidents, workplace accidents, faulty products, or medical malpractice, and if another party’s negligence is involved, a personal injury claim may be pursued. How is negligence proven in a burn injury case in British Columbia? Negligence in a burn injury case is established by proving four elements: the defendant owed a duty of care to the plaintiff, the defendant breached that duty, the breach directly caused the plaintiff’s burn injury, and the plaintiff suffered damages as a result. It often involves collecting evidence, such as photos, witness testimonies, medical records, and expert opinions. What kind of compensation can I seek in a burn injury case? The compensation in a burn injury case can include economic damages like medical expenses, rehabilitation costs, lost wages, and loss of future earning capacity. It can also include non-economic damages for physical pain, suffering, emotional distress, loss of enjoyment of life, and disfigurement caused by scarring. How... --- > Slipped, tripped, or fell in BC? Tim Louis is a trusted Vancouver lawyer with 40+ years of experience helping injury victims get the compensation they deserve. - Published: 2023-05-30 - Modified: 2025-04-26 - URL: https://timlouislaw.com/slips-trips-and-falls/ Slip and Fall Lawyer Vancouver – Injured in a Trip or Fall? Contact Tim Louis Today Injured in a Slip, Trip, or Fall in Vancouver? You’re Not Alone — And You Have Legal RightsA sudden fall can turn your life upside down. One minute you’re running errands or heading to work — the next, you’re in pain, facing medical bills, time off work, and uncertainty about what comes next. In British Columbia, property owners and businesses have a legal duty to keep their spaces safe. If you slipped on a wet floor, tripped on broken stairs, or fell due to poor lighting, you may be entitled to compensation under BC’s Occupiers’ Liability Act. At Tim Louis & Company, we’ve been helping injured clients across Vancouver for over 40 years. We understand how overwhelming this experience can be, and we’re here to guide you — clearly, compassionately, and with your best interests at heart. Your recovery is personal. Your legal support should be too. What Counts as a Slip, Trip, or Fall Claim in BC? Not every fall leads to a legal claim — but when your injury happens because someone failed to keep their property safe, you may have a case. Under British Columbia’s Occupiers’ Liability Act, property owners, tenants, and managers have a legal duty to take reasonable steps to prevent harm. When they don’t, and someone gets hurt, they can be held financially responsible. Common causes of slip, trip, and fall claims in BC include: Wet or slippery floors with no warning signs Icy sidewalks or unshovelled walkways Broken steps or uneven surfaces Poor lighting in hallways or stairwells Loose rugs, cords, or other tripping hazards Missing or damaged handrails Spills or debris left unattended in public or private spacesYou don’t need to have fallen in a store or business to file a claim. Many injuries happen in apartment buildings, office spaces, parking lots, or even rental homes. If your fall was caused by unsafe conditions that should have been fixed, you may be entitled to compensation — even if the property owner didn’t mean for you to get hurt. What to Do After a Slip and Fall Injury in British ColumbiaAfter a fall, it’s natural to feel embarrassed, disoriented, or unsure of what to do next. But the steps you take in the hours and days that follow can make a big difference — both for your recovery and for any legal claim you may file. Here’s what we recommend:1. Get medical attention — right away. Even if your injury seems minor, see a doctor. What feels like a bruise could be a sprain or fracture. A medical record also helps connect your injury to the fall, which is important for your case. 2. Report the incident. If your fall happened in a store, apartment, or workplace, report it to the property owner or manager. Ask for a copy of any incident report if possible. 3. Take photos. If you’re able, photograph the scene — wet floors, icy steps, broken railings, or anything that contributed to your fall. If you can’t take photos, ask someone else to do it for you. 4. Get witness names. If anyone saw what happened, ask for their name and contact info. Witnesses can help confirm that dangerous conditions existed and weren’t your fault. 5. Keep a journal. Track your symptoms, doctor visits, missed work, and how the injury affects your daily life. These details can help prove the impact of the injury on your well-being. 6. Speak with a personal injury lawyer. You don’t have to file a lawsuit right away — but having the right legal advice early can help you avoid costly mistakes and understand what you’re entitled to. “Tim Louis has been our family lawyer for almost 40 years! Most recently he helped us to settle our trip and fall lawsuit. Always a positive experience. ”— Tina N. When you're injured, the last thing you want is to be treated like a file number. You need clarity, care, and a lawyer who’s willing to fight for your rights — not rush you into a quick settlement. At Tim Louis & Company, we’ve been representing injured clients across Vancouver for more than four decades. From day one, Tim prepares every case as if it will go to trial. That strategy puts pressure on the insurance companies — and puts you in the strongest position to negotiate a fair settlement. Here’s what sets us apart: Trial-Ready AdvocacyTim sets a trial date at the beginning of every case. This signals to the other side that your claim is serious — and that we won’t back down. You Work Directly With TimNo gatekeeping. No being passed off to junior staff. When you hire us, you get Tim’s attention and guidance every step of the way. We Wait Until You’re Fully RecoveredWe don’t settle early. We wait until your doctor says you’ve recovered — or that your recovery has plateaued — before negotiating compensation. This helps ensure you’re compensated for the full impact of your injury. Respected Medical ExpertsWe work with leading physicians and rehabilitation experts to build strong, credible evidence to support your case. “Tim supported us through all the difficult and uncertain times and helped us settle our long-lasting case. Highly recommended. ”— Kirill V. Take Action Today – Book Your Free ConsultationIf you’ve been injured in a slip, trip, or fall — whether it happened at a store, in a rental building, or on public property — you may have the right to compensation. But taking the first step can feel overwhelming. That’s where we come in. At Tim Louis & Company, we offer free, no-obligation consultations to help you understand your rights. We’ll explain your legal options in plain language, answer your questions, and never pressure you to move forward unless you're ready. Call (604) 732-7678 to speak with Tim directly, Or email timlouis@timlouislaw. com to schedule your free consultation. Your health, your future, and your peace of mind... --- > Learn about constructive dismissal, your rights as an employee, and how Tim Louis Law's experienced team can help you navigate legal complexities if you've been forced to resign due to intolerable working conditions. - Published: 2023-04-26 - Modified: 2025-04-05 - URL: https://timlouislaw.com/constructive-dismissal-understanding-your-rights-as-an-employee/ Constructive Dismissal: Understanding Your Rights as an Employee Are you unhappy at work and considering quitting your job? Do you feel like you have been forced to resign due to intolerable working conditions? If so, you may be a victim of constructive dismissal. This is a legal concept that applies when an employer breaches a fundamental term of your employment contract, making your working conditions unbearable, and you are left with no other option but to resign. If this has happened to you, it is important to seek legal advice from an experienced employment lawyer. At Tim Louis Law, we understand the stress and frustration that comes with being in a difficult work situation. Our team of legal experts is here to provide you with the guidance and support you need to protect your rights as an employee. We have helped numerous clients in Vancouver and beyond who have experienced constructive dismissal, and we are ready to do the same for you. What is Constructive Dismissal? Constructive dismissal occurs when an employer unilaterally changes the terms of your employment contract or violates your fundamental rights as an employee, making your working conditions intolerable. Some examples of actions that could constitute constructive dismissal include: Reducing your salary or benefits without your consent Demoting you to a lower position Changing your job duties without your agreement Harassing or discriminating against you Failing to provide a safe and healthy work environment If any of these actions have happened to you and you feel like you have no choice but to resign, you may be able to make a claim for constructive dismissal. What Are Your Rights as an Employee? As an employee, you have the right to work in a safe and healthy environment, free from discrimination, harassment, and bullying. You also have the right to be paid fairly for the work you do, and to have your job duties and responsibilities clearly defined. If your employer breaches any of these rights, you may be entitled to compensation. In the case of constructive dismissal, you may be entitled to: Notice or pay in lieu of notice Severance pay Compensation for lost wages and benefits Damages for mental distress However, the law surrounding constructive dismissal can be complex and confusing. That is why it is important to seek legal advice from an experienced employment lawyer who can help you understand your rights and options. How Can Tim Louis Law Help? At Tim Louis Law, we have a deep understanding of employment law and a proven track record of helping clients who have experienced constructive dismissal. We will work closely with you to assess your situation, gather evidence, and build a strong case on your behalf. Our services include: Legal advice: We will provide you with a thorough understanding of your rights and options as an employee and guide you through the legal process of making a claim for constructive dismissal. Negotiation: We will negotiate with your employer on your behalf to try to reach a fair settlement that compensates you for your losses. Representation: If a settlement cannot be reached, we will represent you in court or in front of a labour board to ensure that your rights are protected. Why Choose Tim Louis Law? At Tim Louis Law, we are committed to providing our clients with the highest level of legal expertise and personalized service. We understand that each client has unique needs and goals, and we will work tirelessly to achieve the best possible outcome for you. Here are some of the reasons why you should choose us for your constructive dismissal case: Experience: Our team has over 30 years of experience in employment law and has successfully handled numerous constructive dismissal cases. Knowledge: We stay up to date on the latest developments in employment law to ensure that we are providing our clients with the most accurate and effective legal advice. Client-focused: We put our clients first, and we will always take the time to listen to your concerns and answer your questions. Results-driven: We are dedicated to achieving the best possible outcome for our clients and will not stop fighting for your rights until we have done so. Transparent: We believe in transparency and will keep you fully informed throughout the legal process, so you always know what is happening with your case. Accessible: We are available to our clients whenever they need us and will always respond promptly to your calls and emails. Call Tim Louis Law Today If you believe that you have been a victim of constructive dismissal, do not hesitate to contact us at Tim Louis Law. We offer a free initial consultation to discuss your case and determine if we can help you. Call us today at (604) 732-7678 or email us at timlouis@timlouislaw. com to schedule an appointment. Remember, time is of the essence when it comes to making a claim for constructive dismissal. There are strict time limits that apply, so it is important to seek legal advice as soon as possible. With our expertise and guidance, you can take the first step towards protecting your rights and securing the compensation you deserve. Contact us today and let us help you get the justice you deserve. Contact Us Our Services Frequently Asked Questions What is the difference between constructive dismissal and wrongful dismissal? Wrongful dismissal occurs when an employer terminates an employee's contract without just cause and without providing reasonable notice or pay in lieu of notice. Constructive dismissal, on the other hand, occurs when an employer breaches a fundamental term of an employee's employment contract, making working conditions intolerable, and the employee is forced to resign. How can I prove that I have been constructively dismissed? Proving constructive dismissal can be challenging, as it requires showing that your employer breached a fundamental term of your employment contract and that the breach made your working conditions intolerable. This often requires gathering evidence such as emails, correspondence, and witness statements. An experienced employment lawyer... --- > Fired unfairly? Harassed at work? Tim Louis, a trusted Vancouver employment lawyer, helps workers get fair severance, justice, and peace of mind. - Published: 2023-03-22 - Modified: 2025-07-07 - URL: https://timlouislaw.com/employment-lawyer-vancouver/ Employment Lawyer Vancouver– Protecting Your Rights in the Workplace - with Tim Louis Wrongful Dismissal | Workplace Harassment | Severance Pay | Constructive DismissalFired Unfairly? Facing Workplace Harassment? Know Your Rights. Losing your job or facing mistreatment at work isn’t just frustrating—it can turn your life upside down. You might feel blindsided, uncertain about what to do next, and worried about your future. Was your dismissal legal? Are you owed severance? Do you have a case? You’re not alone. British Columbia’s employment laws are designed to protect workers—but standing up to an employer can feel overwhelming. That’s where we come in. For over 40 years, Tim Louis & Company has fought for workers across Vancouver, ensuring they get the compensation, fair treatment, and justice they deserve. If you were let go unfairly, forced to quit, or struggling in a toxic workplace, you don’t have to navigate this alone. Let’s Talk About Your Case – No Obligation. Free Consultation – Get clear answers about your options. Severance Negotiations – Don’t settle for less than you deserve. Direct Support from Tim Louis – No case managers, no runaround. Call Now: (604) 732-7678 Email: timlouis@timlouislaw. com Visit Our Office: 208 – 175 East Broadway, Vancouver, BCRequest a Free Consultation → What Does an Employment Lawyer Do? Helping Employees Stand Up for Their RightsMost people never expect to need a lawyer for work-related issues—until something happens. Maybe you were fired suddenly. Maybe your employer pressured you into resigning. Maybe you’re dealing with harassment that’s making your job unbearable. If something feels unfair, it probably is. But the reality is, many workers don’t realize they have legal rights—and employers know it. An experienced employment lawyer can help you: Challenge wrongful dismissal – If you were fired unfairly, you may be entitled to compensation, severance, or damages. Fight constructive dismissal – If your employer made your job impossible to continue, they may owe you severance. Negotiate a better severance package – Don’t sign anything before speaking to a lawyer. You may be entitled to more. Stand up against workplace harassment – No one should feel unsafe or discriminated against at work. Think you might have a case? Let’s talk. The sooner you get legal advice, the stronger your position. Wrongful Dismissal Lawyer in VancouverWere You Fired Unfairly? Know Your Rights. If you were fired without a valid reason, your employer might owe you more than you think. Wrongful dismissal happens when an employer terminates you without proper severance, notice, or legal justification. Many employees don’t challenge their termination because they assume they have no choice. Employers count on that—which is why they often offer less severance than they should. Do Any of These Sound Familiar? You were fired without proper notice or severance pay. Your employer broke your contract when terminating you. You were let go for unfair reasons (e. g. , discrimination, retaliation). Case Example:A Vancouver employee was dismissed after 6 years of service and offered a severance package far below BC employment standards. After working with Tim Louis, they secured double the severance and additional compensation. Find Out If You Have a Case → What About “Constructive Dismissal”? If You Were Forced to Quit, You Might Still Have a Case. Not all terminations happen with a pink slip. If your employer made your job intolerable—whether through a toxic work environment, pay cuts, or unreasonable changes—you may have experienced constructive dismissal. Many employees walk away from jobs they don’t have to. Before making any decisions, get legal advice. Find Out If You’re Entitled to Severance → Why Choose Tim Louis & Company? Trusted by Vancouver Employees for Over 40 YearsWith decades of experience fighting for workers, Tim Louis has built a reputation as one of Vancouver’s most dedicated employment lawyers. 40+ Years of Employment Law Experience – Deep expertise in wrongful dismissal & severance cases. Proven Track Record – Successfully won employment law cases. Direct, One-on-One Legal Support – No junior lawyers, no case managers—Tim personally fights for you. Fair, Transparent Fees – No hidden costs, no surprises. Real Clients. Real Results. “I just want to say thank you to Mr. Tim Louis and his amazing team. He really cares about his clients and provides advice and help that gives peace of mind. I recommend his services for all my friends and people that needs an amazing lawyer! ! ”-Bill K. Read More Client Reviews → Take Action Today Request a Free Employment Law Consultation Wrongfully Dismissed? Harassed at Work? Don’t sign anything until you speak to us. For over 40 years, Tim Louis has stood up for employees across Vancouver—helping them secure the severance, respect, and justice they deserve. Whether you’ve been unfairly fired, forced to resign, or mistreated on the job, you don’t have to face it alone. Free, No-Obligation Consultation Expert in Wrongful & Constructive Dismissal Fair Severance Negotiations & Workplace Harassment Claims Direct Support from Tim—No Middlemen Call Now: (604) 732-7678 Email: timlouis@timlouislaw. com Visit Our Office: 208 – 175 East Broadway, Vancouver, BC Request Your Free Consultation → Request a Free Consultation About Tim Louis – Employment Lawyer Who Fights for Vancouver WorkersFor over 40 years, Tim Louis has stood up for employees across Vancouver who’ve faced unfair treatment in the workplace. Whether you’ve been wrongfully dismissed, pressured to quit, denied fair severance, or subjected to workplace harassment, Tim brings decades of experience and a personal commitment to fighting for your rights. As one of Vancouver’s most trusted employment lawyers, Tim doesn’t just offer legal advice—he becomes your advocate. He listens to your story, explains your rights in clear language, and personally guides your case from start to finish. Wrongful Dismissal – Fired without cause? Let’s talk about compensation. Workplace Harassment – You deserve a safe, respectful workplace. Severance Pay Reviews – Don’t sign anything without a second opinion. Constructive Dismissal – If your job became unbearable, you may still be entitled to compensation. Tim Louis is known for his no-nonsense legal approach, compassionate support, and results-driven strategies. He’s helped... --- > At Tim Louis Law, our core values prioritize client needs, honesty, communication, accessibility, pro-bono service, and environmental responsibility. Contact us for a free consultation. - Published: 2023-02-28 - Modified: 2025-04-05 - URL: https://timlouislaw.com/core-values-of-tim-louis-company-law-firm/ Tim Louis & Company Law Firm: Core Values As a lawyer in Vancouver, I prioritize client satisfaction, ethical practices, transparency, social responsibility, and environmental sustainability. Client-First Approach: I put clients first by making myself available when they need me, offering my undivided attention, and ensuring they receive the support they require. Honesty, Ethics, and Support: I am committed to honesty and ethical practices, both with clients and opposing counsel. I offer an accurate assessment of case strengths and weaknesses and charge a fair and proportional fee for my services. Communication is Key: I keep clients informed about their case by copying all incoming and outgoing communications with opposing counsel, and answering any questions they may have to ensure they have a full understanding of their case. Pro-bono Services: I provide pro-bono services to clients with valid legal claims, regardless of their ability to pay. I also provide necessary funds to cover a client’s file expenses if they are unable to do so. Environmental Responsibility: I am committed to reducing my law practice’s carbon footprint by using technology to enable remote work for my staff, reducing paper usage, and adopting other environmentally sustainable practices. Overall, my core values as a lawyer in Vancouver are centered around delivering excellent service to clients, maintaining ethical and transparent practices, and being socially and environmentally responsible. Lawyer Tim Louis is a Vancouver-based lawyer who specializes in providing legal services for individuals and small businesses. His areas of expertise include personal injury, real estate law, wills and estates, and family law. In addition to his legal work, Tim Louis is also a dedicated community activist and has been recognized for his work in advocating for social justice causes. What areas of law does Tim Louis specialize in? Tim Louis specializes in Long-Term Disability claims, personal injury, employment law with a focus on wrongful termination or dismissal, and estate litigation. What sets Tim Louis apart from other lawyers? Tim Louis is known for his compassionate and client-focused approach to legal representation. He is also a dedicated community activist who has been recognized for his work in advocating for social justice causes. How does Tim Louis handle his clients' cases? Tim Louis approaches each client's case with care and attention to detail. He takes the time to listen to his clients' concerns and works closely with them to develop a personalized legal strategy that meets their needs. Does Tim Louis offer free consultations? Yes, Tim Louis offers free initial consultations to potential clients. This allows clients to discuss their legal needs and concerns with him without any financial commitment. Does Tim Louis offer pro-bono services? Yes, Tim Louis is committed to providing pro-bono services to clients who have a valid legal claim but cannot afford legal representation. How can I contact Tim Louis? You can contact Tim Louis by phone, email, or by filling out the contact form on his website. He is available to answer any questions you may have about his legal services. If you are seeking a lawyer in Vancouver, Tim Louis is the one to call. If you are in need of legal services in Vancouver, look no further than Tim Louis. With years of experience and a commitment to providing personalized and compassionate legal representation, Tim Louis is the lawyer you can trust. Contact us today to schedule a free consultation and let us help you with your legal needs. (604) 732-7678 www. timlouislaw. com 208 – 175 East Broadway, Vancouver, BC V5T 1W2 Google Facebook Instagram Twitter Linkedin Email About Tim Louis & Company Law Firm ABOUT VANCOUVER, BC BASED LAW FIRM SPECIALIZING IN LONG-TERM DISABILITY, PERSONAL INJURY, EMPLOYMENT LAW AND ESTATE LITIGATION. At the law firm of Tim Louis and Company, we are committed to helping people through difficult times. Starting with a free consultation, we help people who need it most to get the compensation they deserve. Our practice includes Long-Term Disability, Personal Injury, Employment Law and Estate Litigation. With over four decades of experience, Tim Louis has helped people across British Columbia get legal help when they need it most. --- - Published: 2023-02-28 - Modified: 2023-09-21 - URL: https://timlouislaw.com/multiple-sclerosis-and-long-term-disability-claims/ Multiple sclerosis and long-term disability claims What is Multiple Sclerosis? Multiple sclerosis (MS) can affect both the brain and the spinal cord. This can cause a wide range of potential symptoms, including problems with vision, arm or leg movement, sensation or balance. Multiple sclerosis is a lifelong condition. It can sometimes cause serious disability, although it can occasionally be mild. Causes of Multiple Sclerosis Multiple sclerosis (MS) is caused by the immune system attacking the brain and nerves. There isn’t any definitive evidence as to why this happens, but it may be a combination of environmental and genetic factors. Symptoms Multiple sclerosis (MS) can cause a wide range of symptoms and affect any part of the body. The way this condition affects each person varies from case to case. The symptoms of multiple sclerosis can be unpredictable. In some cases, symptoms will develop and then worsen steadily over time. In other cases, the symptoms will come and go. Relapses are periods when symptoms become worse. Remissions are periods when symptoms improve or disappear altogether. Some of the most common symptoms include: fatigue vision problems numbness and tingling muscle spasms, stiffness and weakness mobility problems pain problems with thinking, learning and planning depression and anxiety sexual problems bladder problems bowel problems speech and swallowing difficulties Most people with multiple sclerosis will only exhibit a few of these symptoms. Treatment There's currently no cure for multiple sclerosis (MS), but medicines and other treatments can help control the condition and ease some of the symptoms. Treatment for MS depends on the stage of the disease and the specific symptoms the person has. If you would like more detailed information on specific treatments for MS, please see this page. Why seek legal advice and legal representation? Long term disability claim One of the most debilitating symptoms of multiple sclerosis is fatigue. Fatigue cannot be measured objectively in the same way that an x-ray will confirm a broken bone. This inability to “prove” fatigue makes it easier for insurance companies to wrongfully deny your legitimate long term disability claim. A lawyer familiar with fighting long term disability insurance companies will collect the evidence necessary to defeat your insurance company. This evidence might include evidence from the people around you who confirm that you are unable to put in a full day. If you are forced to rest during the day, they will give evidence of this. Long-term disability law and Multiple Sclerosis The law is very clear – if your multiple sclerosis is preventing you from working, you have the legal right to long term disability benefits. The law leaves no room for interpretation. Long-Term Disability Cases and Tim Louis & Company I have represented many clients with multiple sclerosis who had been wrongfully denied long term disability benefits by their insurance company. I have always been successful in winning the case without going to trial. A trial can be exhausting even for someone without multiple sclerosis. For a person with multiple sclerosis, a trial can be a very intimidating prospect. Denied Compensation? Tim Louis can help. Why work with Tim? I have been defeating long term disability insurance companies for over 30 years. I do not eat corn flakes for breakfast, I eat insurance companies. My objective is always to win your case without going to trial. FAQ What is Multiple Sclerosis (MS)? Multiple Sclerosis is a chronic autoimmune disease that affects the central nervous system. It can cause a wide range of symptoms, including muscle weakness, fatigue, and difficulty with coordination and balance. What is long-term disability insurance? Long-term disability insurance is a type of insurance that provides income replacement if a person is unable to work due to an illness or injury. It typically pays a percentage of the person's pre-disability income. What role can a lawyer play in helping someone with MS obtain long-term disability benefits? A lawyer can help by guiding the person through the application process, gathering necessary medical evidence, and appealing a denial of benefits if necessary. A lawyer can also negotiate with insurance companies to try to secure a favorable settlement. What types of long-term disability benefits are available in Canada? There are two types of long-term disability benefits available in Canada: government benefits and private insurance benefits. The government provides a range of benefits, including Canada Pension Plan Disability (CPPD) and Employment Insurance (EI) sickness benefits. Private insurance benefits are typically provided through an employer-sponsored plan or through an individual policy purchased by the person. How can I make a long-term disability claim for Multiple Sclerosis? Making a long-term disability claim for Multiple Sclerosis (MS) can be a complex and challenging process. However, with proper preparation and the assistance of an experienced lawyer, the chances of success can be improved. What is a disability claim denial? A disability claim denial occurs when an insurance company denies a claim for disability benefits. This means that the insurer has determined that the claimant is not eligible for benefits under the policy. How do I appeal a denied disability claim in Vancouver? To appeal a denied disability claim in Vancouver, you will need to follow the appeals process outlined in your insurance policy. This typically involves filing a written appeal with the insurance company within a specific time frame, providing additional medical evidence to support your claim, and potentially attending a hearing. What evidence do I need to provide to appeal a denied disability claim? To appeal a denied disability claim, you will need to provide additional medical evidence to support your claim. This may include medical records, doctor's notes, and test results. It's important to provide as much detail as possible about your disability and how it affects your ability to work. Free Legal Consultation with Tim Louis If you are unable to work due to multiple sclerosis but your long-term disability insurance company has denied your claim, call me now for a free consultation at 604-732-7678 or send an email to timlouis@timlouislaw. com. Take the first step... --- > Worried about workplace harassment? This informative post covers the laws surrounding it, so you can keep yourself safe and know what to do if something happens. - Published: 2023-01-27 - Modified: 2024-01-31 - URL: https://timlouislaw.com/workplace-harassment/ What is Workplace Harassment? The courts have defined workplace harassment as any unwelcome conduct that is based on race, color, religion, sex (including pregnancy), national origin, age (40 or older), disability or genetic information. Harassment becomes unlawful where 1) enduring the offensive conduct becomes a condition of continued employment, or 2) the conduct is severe or pervasive enough to create a work environment that a reasonable person would consider intimidating, hostile, or abusive. What is sexual harassment? The courts have defined sexual harassment as a type of discrimination that includes any unwanted or unwelcome sexual behaviour or language. This can include verbal or physical conduct of a sexual nature, such as comments, jokes, gestures, or physical touching, as well as visual displays such as leering or displaying sexually explicit images. Sexual harassment can also include requests for sexual favours or the threat of retaliation for refusing such requests. What is Discrimination in the workplace? The courts have defined discrimination in the workplace is treating an employee or group of employees differently and less favourably based on a protected characteristic, such as race, sex, religion, national origin, age, disability, or genetic information. This can include, but is not limited to, not hiring or promoting someone because of their protected characteristic, setting different terms and conditions of employment, and paying different wages or benefits to employees based on a protected characteristic. It can also include creating a hostile work environment, which is when the discrimination is so severe or pervasive that it affects an individual's ability to do their job or creates an intimidating or offensive work environment. Discrimination can also include retaliation against an employee for complaining about discrimination or for participating in an investigation of discrimination, it's important to note that it's illegal to discriminate against someone because they have complained about discrimination, filed a charge of discrimination, or participated in an investigation or lawsuit about discrimination. Workplace harassments rights in BC In British Columbia, Canada, the Human Rights Code prohibits discrimination and harassment in the workplace on the grounds of race, colour, ancestry, place of origin, religion, marital status, family status, physical or mental disability, sex, sexual orientation, gender identity or expression, and age (19 and over). The British Columbia Human Rights Tribunal and the Canadian Human Rights Commission have jurisdiction to investigate and resolve complaints of discrimination and harassment in the workplace. An employee can file a complaint with the British Columbia Human Rights Tribunal or the Canadian Human Rights Commission if they believe they have been discriminated against or harassed in the workplace. Employees and employers can also refer to the British Columbia Human Rights Code and the Canadian Human Rights Act in order to understand their rights and responsibilities related to discrimination and harassment in the workplace. What is your employer’s responsibility? Employers in British Columbia are also required to have policies in place to prevent and address discrimination and harassment in the workplace, and to provide employees with information about their rights and responsibilities under the Human Rights Code. Employers have a responsibility to ensure that the workplace is free from discrimination and harassment, and must take appropriate steps to address any complaints that may arise. Can I be fired for reporting workplace harassment? Employers are not allowed to fire employees for reporting workplace harassment. If an employer chose to do so, the employee would most certainly be successful in a lawsuit for wrongful termination. Harassment as Constructive Dismissal (hostile work environment) Harassment can be considered a form of Constructive Dismissal. In such a case, the employee can sue the employer for Constructive Dismissal. Harassment in the Workplace How do you prove workplace harassment? The best way to prove workplace harassment is with witnesses. If you have fellow employees who have witnessed your harassment and are willing confirm this then you have a strong case. Can I quit my job due to a hostile workplace? If you are suffering from a hostile workplace, you may decide to consider this to be constructive dismissal. If so, you would resign from your position and sue your employer. If the court agrees that you were constructively dismissed, then you will be entitled to pay in place of notice. Every case is different. Generally speaking, employees are entitled to 1 month’s severance pay for every year of employment. How can Tim Louis Law help? I have been practicing employment law for almost 40 years. Many of my clients have suffered from workplace harassment. If you would like a free consultation, please contact me at (604) 732-7678 --- > Denied long-term disability for fibromyalgia in BC? Tim Louis & Company helps you fight back. Call today for trusted legal help that gets results. - Published: 2022-11-03 - Modified: 2025-04-05 - URL: https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/ Insights into fibromyalgia and long term disability claims by Tim Louis What is Fibromyalgia? Fibromyalgia causes widespread musculoskeletal pain. It is usually accompanied by fatigue, sleep, memory and mood issues. It is believed that fibromyalgia amplifies pain sensations. It does this by affecting the way the brain and spinal cord process both painful and non-painful signals. Many fibromyalgia sufferers have their symptoms begin after an event, such as physical trauma, surgery, infection, or severe physiological stress. However, many other fibromyalgia sufferers experience their symptoms beginning and then gradually accumulating over time but with no single triggering event. Researchers are unable to determine why women are more likely to develop fibromyalgia than men. Many people also suffer tension headaches, temporomandibular joint (TMJ) disorders, irritable bowel syndrome (IBS), anxiety and depression. There is no cure for fibromyalgia, however there are a variety of medications that can help control fibromyalgia symptoms. Some fibromyalgia sufferers can also experience some symptom relief from exercise, relaxation, and stress-reduction measures. Why seek legal advice and legal representation If you suffer from fibromyalgia and it is preventing you from working, you should consult with a lawyer familiar with fibromyalgia before submitting any application to your insurance company for long-term disability benefits. This is because fibromyalgia is not an objective medical condition – something that can be verified by medical tests. The diagnosis relies very heavily on your description of the symptoms you are suffering. Insurance companies will look for inconsistencies in your application. A lawyer familiar with fibromyalgia and long-term disability law can review your long-term disability application before it is submitted. Fibromyalgia Cases I have dealt with I have dealt with many fibromyalgia long-term disability cases over the last three decades. I always ask my clients for witnesses. These individuals will be able to corroborate and confirm my client’s symptoms as well as the devastating impact fibromyalgia has on their lifestyle, such as all of the joyful activities they used to experience, but are no longer able to and a description of any household chores they are no longer able to do. Fibromyalgia and Long-term Disability Law The law as it relates to long-term disability and fibromyalgia is no different than as it relates to long-term disability and any other disabling condition. If your fibromyalgia prevents you from performing your current occupation then you are eligible for long-term disability benefits if you have long- term disability coverage with an insurance company. However most long-term disability insurance policies will only pay you two years based on an inability to do only your current occupation. After two years you are only eligible for continued long-term disability benefits if you are unable to perform any occupation that pays at minimum 75% of what you were earning prior to receiving long-term disability benefits. Denied Compensation? How Tim Louis & Co can help If you have had your long-term disability application denied, or if it was approved and then at a later point in time your benefits are terminated, you should contact me immediately. I will normally not appeal the insurance company’s decision. This is almost always a waste of my client’s time. This is because the appeal is conducted by an employee of your insurance company. Appeals just delay the commencement of a lawsuit against your insurance company. Don’t forget that you must start your lawsuit within two years of submitting your application or from the date your benefits were terminated. Don’t make the mistake of thinking that your two year limitation period only begins to run once your application has been denied. A very common tactic that insurance companies like to employ is to delay the denial of your benefits for as long as possible so that when they do deny it, you will have less time to be able to start your lawsuit against them. Frequently Asked Questions How does Fibromyalgia cause disability? The way that fibromyalgia causes disability can differ from person to person. For some people it causes disabling pain but not disabling headaches, irritable bowel syndrome, anxiety, or depression. For others, the pain is manageable and only disabling occasionally but the tension headaches unbearable and are definitely disabling. For others, irritable bowel syndrome is so severe that it is, in and of itself, a disabling condition. Finally, it may be anxiety and depression which sometimes accompany fibromyalgia that are the disabling symptoms. Is Fibromyalgia considered a long-term disability in Canada? All of Canada’s long-term disability insurance companies recognize fibromyalgia as a possibly disabling condition. I say possibly because the diagnosis in and of itself is not enough to be eligible for long-term disability benefits. It must be so severe that it prevents you from working. Can you go on long-term disability for chronic pain? Chronic pain, if it prevents you from working, is definitely a condition that will qualify you for long-term disability benefits. What to do if the insurance company denied my claim for Fibromyalgia? If your insurance company denies your claim for long-term disability benefits, and your fibromyalgia is preventing you from working, you should consult a lawyer familiar with this condition and long-term disability benefits immediately. For over three decades, I have been suing insurance companies on behalf of disabled people, including those that suffer from fibromyalgia. Contact Tim Louis today for Fibromyalgia and Long-term Disability Claims If you have had your long-term disability application denied, or if you were approved, but your benefits were then later terminated, call me immediately for a free consultation. I would be pleased to review your insurance company’s letter denying or terminating your benefits. I will do so on a no-fee basis. You can call me on my cell at 778-855-3494. If you would like to know what my clients say about me, please take a look at my reviews on Google. Further Reading What is Fibromyalgia - from Healthlink BC Fibromyalgia insights from the Canadian Spondylitis Association Chronic Pain --- > Need expert legal help in Vancouver? Vancouver Lawyer Tim Louis & Company specializes in wills, estate litigation, probate, long-term disability, personal injury, and employment law. With over 40 years of experience, we fight for your rights. Call (604) 732-7678 for a free consultation! - Published: 2022-07-11 - Modified: 2025-03-21 - URL: https://timlouislaw.com/legal-services-in-british-columbia/ Tim Louis Law - Legal Services in British Columbia Tim Louis & Company – Vancouver’s Trusted Law Firm for LTD Claims, Wills, Estates, Probate, Personal Injury & Employment Law For over 40 years, Tim Louis & Company has been a leading law firm in Vancouver, providing expert legal representation across British Columbia. Since 1984, Tim Louis has fought tirelessly to protect the rights of his clients, offering strategic legal guidance and aggressive representation in courtrooms, tribunals, and settlement negotiations. If you need legal support for: Denied long-term disability benefits Estate disputes or probate administration Wills and estate planning Personal injury claims Wrongful termination or workplace disputes Tim Louis & Company is here to help you navigate the legal process and fight for the outcome you deserve. With a client-first approach, Tim Louis ensures every client receives personalized legal guidance, clear communication, and direct access to a lawyer who truly cares about their case. Whether securing fair compensation for injury victims, guiding families through estate planning, or advocating for workers' rights, our firm is committed to delivering results. Call Today: (604) 732-7678 Email Tim Directly: timlouis@timlouislaw. com Visit: www. timlouislaw. com Get the legal support you need – book your free consultation today! “My team works with you and keeps you involved in your file every step of the way. As for me, I make it a high priority to always be accessible to my clients... from the moment I’m retained until the final settlement date. ” Protect Your Rights & Secure Your Future – Expert Legal Services Long-Term Disability If you have long-term disability insurance and are suffering from an illness or injury, you deserve the benefits you’re entitled to. Don’t let the insurance company deny your rightful claim. With over 40 years of experience, Tim Louis has fought tirelessly for clients to secure the compensation they need to support their health and future. Take Action Now – Get the Benefits You Deserve → Wills & Estate Planning Planning for the future is essential to protecting your loved ones and ensuring your wishes are legally upheld. Tim Louis provides expert guidance in drafting wills, setting up trusts, and creating estate plans tailored to your needs. Protect your assets and secure your legacy with expert legal support. Start Planning Today – Secure Your Future → Estate Litigation Estate disputes can be stressful and complex, but you don’t have to navigate them alone. Whether you’re contesting a will, facing an unfair inheritance issue, or dealing with an executor dispute, Tim Louis fights to protect your legal rights. Don’t settle for an unfair outcome—get the legal support you need. Fight for What’s Fair – Learn More → Probate Administration Dealing with probate can be overwhelming, especially during a difficult time. Tim Louis helps executors and beneficiaries navigate the legal complexities of probate administration, ensuring estates are distributed efficiently and fairly. Let an experienced lawyer guide you through the process with confidence. Simplify Probate – Get Legal Help Now → Personal Injury If you’ve been injured due to someone else’s negligence, you deserve full and fair compensation. Tim Louis has been fighting for personal injury victims in Vancouver for over 40 years, ensuring they receive compensation for medical expenses, lost wages, and pain and suffering. Don’t let an accident define your future—take legal action today. Claim Your Compensation – Find Out How → Employment Law Wrongfully terminated? Facing workplace discrimination or harassment? Tim Louis is a dedicated employment lawyer who fights for workers’ rights in Vancouver. Whether you need help negotiating severance, dealing with a contract dispute, or filing a wrongful dismissal claim, he ensures you receive the justice you deserve. Stand Up for Your Rights – Get Legal Advice → Top-Rated Legal Services in British Columbia – Get the Justice You Deserve Need trusted legal representation in British Columbia? At Tim Louis & Company, we fight tirelessly to protect your rights and secure the compensation you deserve. Whether you’re facing a denied disability claim, estate dispute, probate matter, personal injury, or employment issue, our experienced team is here to help. Call us today at (604) 732-7678 or book a free consultation to take the first step toward justice. Legal Services Include: Long-Term Disability Wills & Estate Planning Estate Litigation Probate Administration Personal Injury Employment Law Contact Tim Today TimLouis@timlouislaw. com (604) 732-7678 Tim Louis - Winner of the Harry Rankin QC Pro Bono Award Tim Louis, a highly experienced lawyer in Vancouver, has dedicated his career to serving the public and those in need. Recently, his outstanding commitment to pro bono service was recognized when he was awarded the prestigious Harry Rankin QC Pro Bono Award by the Canadian Bar Association on June 11, 2022. This award is a testament to Tim Louis' unwavering dedication to helping those who cannot afford legal representation. Award for Pro Bono Service Frequently Asked Questions Do I need a lawyer? Though this list is by no means exhaustive, you might well want to consider contacting a lawyer for advice where any of the following are involved: A large amount of money is at stake You’ve been injured in an accident Serious damage to property has occurred Disputes involving children If you’ve been served (you’re being sued) A very emotional situation where you need a rational third party involved as intermediary Starting a business Sound Legal Advice is Worth It One of the changes I’ve noticed in my law practice over the years is the increase in the number of people suffering stress-related injuries from motor vehicle accidents. No longer is it a question of just the pure physical injuries such as broken bones, whiplash etc. that brings them to my office. There was a time when the Courts were not sympathetic to these types of claims in motor vehicle accidents except in the most horrific of cases. Post Traumatic Stress Disorder was accepted as an outcome for soldiers returning from the battlefield but not associated with motor vehicle accidents. This is no longer the case. There is... --- - Published: 2022-06-16 - Modified: 2022-06-16 - URL: https://timlouislaw.com/harry-rankin-qc-pro-bono-award/ HARRY RANKIN QC PRO BONO AWARD This award is given in memory of Harry Rankin, QC’s incredible support of access to justice for the poor. Tim Louis has followed in the footsteps of Harry Rankin himself and devoted much of the past 40 years to providing pro bono services for those in need. He was the driving force behind the implementation of HandyDart and co-founded the Disability Alliance of BC and the BC Public Interest Advocacy Centre. Learn more about Tim Louis --- - Published: 2022-06-12 - Modified: 2022-06-12 - URL: https://timlouislaw.com/long-term-disability/ Long Term Disability Claim Denied? Contact Lawyer Tim Louis Has your long-term disability claim been denied by your insurance company? Contact Long Term Disability Lawyer Tim Louis now for a free consultation to learn about your rights and start the process to get the compensation you deserve. If you have long-term disability insurance and your insurance claim has been denied, call Tim Louis today for a free consultation. Get the compensation you deserve. Contact Tim Louis at 604-732-7678 or timlouis@timlouislaw. com. Before you accept a claim from your insurance company, contact Tim Louis now. Before you accept a claim from your insurance company, contact Long Term Disability Lawyer Tim Louis. Frequently Asked Questions1. Should I hire a long-term disability Lawyer? If your long-term disability insurance company has terminated your benefits, or is even threatening to terminate benefits, you need to hire a long-term disability lawyer. 2. What conditions qualify for long-term disability? If you have a medical or physical condition that prevents you from continuing to work at your current job, you qualify for long-term disability. 3. What happens to long-term disability if you lose your job? While your long-term disability coverage comes to an end if you lose your job, your long-term disability benefits do not come to an end. 4. How do I appeal a long-term disability claim? To appeal a long-term disability claim, you need to ask for an application form from your employer. Part of the form requires information in the form of an Attending Physician’s Statement. This gets filled out by the doctor, and depending on the employer’s rules, it is submitted to your employer, who in turn sends it to your insurer, or it goes directly to the insurance company. 5. Can my employer terminate me while on long-term disability? Yes, an employer can terminate an employee while on long-term disability. You have grounds for a lawsuit against your employer for termination without cause if the employer has not waited long enough for you to recover and return to work. What is long enough? It depends on how long you had worked for the employer before the long-term disability claim, as well as your doctor’s diagnosis, prognosis and prediction for when you would be able to return to work. Whether your employer does or does not have grounds to terminate you, this has no impact whatsoever on your right to continue receiving long-term disability benefits and/or payments from your long-term disability insurance company. 6. Are you still employed when on long term disability? Yes, you are still an employee of your employer while you are on long-term disability, unless your employer has terminated you and you are no longer employed.   Contact Tim Louis & Company Law Firm (604) 732-7678 www. timlouislaw. com 208 – 175 East Broadway, Vancouver, BC V5T 1W2 Free Legal Consultation   About Tim Louis & Company Law Firm ABOUT VANCOUVER, BC BASED LAW FIRM SPECIALIZING IN LONG-TERM DISABILITY, PERSONAL INJURY, EMPLOYMENT LAW AND ESTATE LITIGATION. At the law firm of Tim Louis and Company, we are committed to helping people through difficult times. Starting with a free consultation, we help people who need it most to get the compensation they deserve. Our practice includes Long-Term Disability, Personal Injury, Employment Law and Estate Litigation. With over four decades of experience, Tim Louis has helped people across British Columbia get legal help when they need it most. Leave a Review --- - Published: 2021-11-25 - Modified: 2021-11-25 - URL: https://timlouislaw.com/chat/ This content is password protected. To view it please enter your password below: Password: --- > Injured in BC? Tim Louis is a personal injury lawyer with 40+ years of experience helping clients secure compensation. Call now for your free consultation. - Published: 2021-07-04 - Modified: 2025-06-21 - URL: https://timlouislaw.com/personal-injury-lawyer/ Home Personal Injury Lawyer Vancouver – Get the Support You DeserveA serious injury can change your life in an instant. Whether you’ve suffered from a slip and fall, a dog bite, or another traumatic incident caused by someone else’s negligence, you deserve answers—and you deserve compensation. At Tim Louis & Company, we understand that most clients want to avoid court. That’s why we focus on resolving claims efficiently and fairly, while preparing every case as if it will go to trial. This approach gives you the strongest chance of success—without unnecessary delays or pressure to settle early. With over 40 years of personal injury experience in Vancouver, Tim Louis knows how to navigate complex cases, deal with insurance companies, and fight for the outcome you deserve. We listen. We guide. We act with purpose. https://youtu. be/p2ldcDUVFFYWhat We Help With – Personal Injury Cases Tim Louis HandlesAt Tim Louis & Company, we represent individuals across Vancouver and British Columbia who have been injured due to someone else’s negligence. No matter how complex your case may seem, we’re here to help you pursue justice and fair compensation. We handle a wide range of personal injury claims, including: Slip and Fall Injuries – Accidents caused by unsafe conditions in stores, sidewalks, stairwells, or private property. Dog Bites and Animal Attacks – Injuries involving unprovoked attacks or inadequate owner control. Burn Injuries – From scalding liquids in restaurants to faulty products or unsafe premises. Physical Assault and Intentional Harm – Cases involving direct harm by another person, including in care facilities or public spaces. Injuries from Poor Property Maintenance – Including broken handrails, icy walkways, or unsecured hazards. Food Poisoning and Contamination – Illness caused by negligence in restaurants, grocery stores, or packaged products. Pedestrian Accidents – Injuries caused by negligent drivers, unsafe crosswalks, or distracted driving. If you’re unsure whether your injury qualifies, we’re happy to review your case at no cost. Tim will speak with you directly—no gatekeeping, no runaround. Please note: We do not take cases involving WorkSafeBC claims. Why Work with Tim Louis – 40+ Years of Experience You Can Count OnWhen you’re injured and overwhelmed, you don’t just need a lawyer — you need someone who listens, explains your options clearly, and fights for what’s fair. For over four decades, Tim Louis has been standing up for injured clients across Vancouver, holding insurance companies and negligent parties accountable. Unlike firms that rush to settle, Tim prepares every case as if it will go to trial — and that makes all the difference. Here’s what sets Tim apart: Trial-Ready from Day OneWe set a trial date at the start of every case. This signals to the other side that we’re serious — and it puts you in the strongest negotiating position. Top-Quality Expert ReportsTim works with respected medical and professional experts to document your injuries, support your claim, and ensure every angle is covered. You Speak Directly with Tim You won’t be passed off to a junior associate. Tim personally handles each case and answers your questions clearly and honestly. We Wait Until You’re ReadyWe don’t discuss settlement until you’ve fully recovered or your doctor has confirmed you’ve reached maximum medical improvement. This ensures we pursue the full compensation you’re entitled to. We Don’t Back DownTim’s reputation as a fearless advocate means insurance companies take your case seriously — because they know we’re prepared to go the distance. When your health, finances, and future are on the line, you deserve a lawyer who puts your well-being first. That’s exactly what you’ll find at Tim Louis & Company. What Clients Say About Working with Tim LouisWhen you’ve been injured, it’s not just about compensation—it’s about finding a lawyer who truly listens, understands, and acts in your best interest. At Tim Louis & Company, our clients say it best:“Tim Louis has been our family lawyer for almost 40 years! Most recently he helped us to settle our trip and fall lawsuit. Always a positive experience. ”— Tina N. Estate Planning for Ble... “Tim supported us through all the difficult and uncertain times and helped us settle our long-lasting case. Highly recommended. ”— Kirill V. 1. Do You Need an Estat... These are just a few of the many voices from individuals and families across British Columbia who turned to Tim Louis when it mattered most. With every case, we bring compassion, clarity, and relentless legal support—because you deserve nothing less. Take Action – Book Your Free Personal Injury Consultation TodayIf you’ve been injured because of someone else’s negligence, you don’t have to face the legal system alone. Whether your case involves a slip and fall, dog bite, or another type of personal injury, Tim Louis is here to guide you every step of the way. With over 40 years of experience, Tim knows how to push back against insurers, gather the right evidence, and fight for the compensation you deserve—without unnecessary delays or pressure to settle too soon. Call (604) 732-7678 today to schedule your free, no-obligation consultation, or Email timlouis@timlouislaw. com to get the trusted legal advice you need. Your recovery matters. Let’s protect it—together.   Legal Services Include: Long-Term Disability Wills & Estate Planning Estate Litigation Probate Administration Personal Injury Employment Law Contact Tim Today TimLouis@timlouislaw. com (604) 732-7678 Personal Injury Smart Intake Form What legal issue are you dealing with? (Required)Personal InjuryLong-Term DisabilityEmployment LawWillsProbate AdministrationEstate LitigationInsurance Claim for Benefits Made? Insurance Claim for Benefits Made? YesNoDate Claim for Benefits Denied MM slash DD slash YYYY Date of Appeal (if any) Made MM slash DD slash YYYY Adjuster Name(Required)Describe Your Condition(Required)Describe your condition including a diagnosis if any and how this condition prevents you from workingReason Given by Employer(Required)Date of Hire(Required) MM slash DD slash YYYY Date of Dismissal(Required) MM slash DD slash YYYY Annual SalaryWere you ever dismissed in writing? (Required)Dismissed in Writing? YesNoUnion Status(Required)Union StatusYesNoDismissed in Writing? Drop files here or Select files Max. file size: 512 MB, Max. files: 2. Please attach Did you sign an employment... --- - Published: 2021-06-10 - Modified: 2025-04-05 - URL: https://timlouislaw.com/blog/ Legal Insights from Tim Louis & Company Helping You Understand Long-Term Disability, Personal Injury, Employment Law, and Estate Issues in British Columbia At Tim Louis & Company, we believe that legal advice should be clear, accessible, and grounded in real-life experience. That’s exactly what you’ll find here on our blog. Whether you’re dealing with a denied long-term disability claim, navigating a workplace issue, or facing the complexities of estate planning or probate, our posts are written with you in mind. From our office in Vancouver, British Columbia, we’ve spent decades helping people across BC make informed decisions about their legal rights. This blog is an extension of that commitment — a place where we share timely updates, explain key legal issues in plain language, and offer insights based on the cases we handle every day. Feel free to explore the topics that matter most to you. And if something sparks a question or you’re ready to take the next step, we’re only a call or message away. Latest Law articles by Tim Louis     Client Reviews --- - Published: 2021-06-04 - Modified: 2025-04-27 - URL: https://timlouislaw.com/wills-variation-lawyer/ Wills Variation Estate Legal Services by Lawyer Tim Louis The Wills, Estates and Succession Act (WESA) ensures that children, including adult children, and spouses are looked after in the event of death of a parent or spouse. Tim Louis uses his decades of experience in Estate Law to ensure that people get the support they need if the deceased has not adequate provision in their Wills for a spouse or children. He does this by making a court application to vary the deceased's Will. If the deceased has not made adequate provision for you, and you are a surviving spouse or child, including an adult child of the deceased, Tim Louis will ask the court to vary the deceased's Will. Wills Variation Act vs Wills, Estates and Succession Act – BC Law --- - Published: 2021-01-16 - Modified: 2021-04-15 - URL: https://timlouislaw.com/newsletter/ First name or full name Email By continuing, you accept the privacy policy --- > Need a trusted Vancouver lawyer? Tim Louis & Company has over 40 years of experience in long-term disability claims, personal injury, wills, estates, probate, and employment law. We fight for your rights. Call (604) 732-7678 for a free consultation! - Published: 2020-12-14 - Modified: 2025-07-10 - URL: https://timlouislaw.com/ Taking Action, Getting Results Tim Louis & Company Law: Trusted Vancouver Disability, Employment, Estate and Personal Injury Lawyers — Since 1984 Struggling with a denied claim or family dispute? Our team has helped thousands of British Columbians with Long-Term Disability, Employment Law, Estate Litigation, and Personal Injury. Let Tim Louis and his team fight for your rights and get you the compensation you deserve. Get a Free Legal Consultation Vancouver Lawyer Tim Louis – Trusted Advocate in Long-Term Disability, Estate Disputes, Personal Injury & Employment Law With more than 40 years of experience, Tim Louis & Company is one of Vancouver’s most respected and compassionate law firms. From long-term disability denials to estate litigation, personal injury, and employment disputes, Tim Louis offers strategic, results-driven legal advice tailored to your case. “Recipient of the Harry Rankin, QC Pro Bono Award by the Canadian Bar Association – June 11, 2022 – for lifelong commitment to access to justice. ” Whether you’re navigating a will challenge, facing a denied LTD claim, or dealing with workplace harassment, you deserve legal counsel rooted in integrity, empathy, and proven results. Book Your Consultation Now Contact Us Today Why Clients Choose Tim Louis & Company: 40+ years serving British Columbians Award-winning advocacy and community service Deep expertise in LTD, employment, and estate law Clear legal advice — no jargon, just answers Trusted by clients across Vancouver and BC Book Your Consultation Now Award for Pro Bono Service “My team works with you and keeps you involved in your file every step of the way. As for me, I make it a high priority to always be accessible to my clients... from the moment I’m retained until the final settlement date. ” Areas of Practice Get the justice you deserve with Tim Louis & Company, providing expert legal representation in long-term disability claims, wills and estate planning, estate litigation, probate administration, and employment law in Vancouver. https://www. youtube. com/watch? v=wXa5N--mOc4 Long-Term Disability Denied or cut off from long-term disability benefits? Tim Louis fights insurance companies to ensure you receive the compensation you’re entitled to. Let us handle your claim so you can focus on your health. Learn How We Fight for Your Disability Benefits → Wills and Estate Planning Planning for the future? Tim Louis helps you create a legally sound will and estate plan, ensuring your assets are protected and loved ones are cared for. Secure your legacy with expert legal guidance today. Secure Your Legacy – Explore Estate Planning → Estate Litigation Involved in an estate dispute? Tim Louis represents executors, beneficiaries, and families in legal conflicts over wills and inheritances. Protect your rights and get the resolution you deserve today. Understand Your Rights in Estate Disputes → Probate Administration Need help navigating probate? Tim Louis assists executors and families in managing estates efficiently and legally, ensuring a smooth process from start to finish. Let us simplify probate for you today. Simplify the Probate Process – Learn More → Personal Injury Law Injured due to someone else’s negligence? Tim Louis helps victims of accidents get the compensation they deserve for medical bills, lost wages, and pain and suffering. Let us fight for you today. Get the Compensation You Deserve – Read More → Employment Law Facing wrongful termination or workplace issues? Tim Louis defends employees against unfair treatment, contract disputes, and harassment. Protect your workplace rights and seek justice today. Protect Your Workplace Rights – Read More → Tim Louis Lawyer Tim Louis Lawyer Contact Tim Louis today and get the compensation you deserve. Phone: (604) 732-7678 Email:timlouis@timlouislaw. com Contact Tim Louis & Company – Your Trusted Vancouver Law Firm Call Us: (604) 732-7678 Email Tim Directly: timlouis@timlouislaw. com Visit Our Website: www. timlouislaw. com Office Address: 2526 West 5th Ave, Vancouver, BC V6K 1T1Over 40 Years of Experience | Proven Track Record of Success | Client-First ApproachGet the Legal Support You Deserve! Contact Tim Louis & Company today for a free consultation and let us fight for your rights. About Tim Louis Core Values Top Vancouver Lawyer: Tim Louis Trusted Vancouver Legal Expertise in Disability, Estate, Employment & Injury LawWith more than four decades of legal experience, Vancouver lawyer Tim Louis is known for his client-first approach acrossLong-Term Disability (LTD),Wills & Estate Planning,Probate,Estate Litigation,Personal Injury, andEmployment Law. He and his team provide strategic, compassionate legal guidance to help clients overcome life’s most difficult challenges. At Tim Louis & Company, success begins the moment you reach out. Tim works closely with families, physicians, and caregivers to understand your situation and build the strongest possible case. “Recipient of the Harry Rankin, QC Pro Bono Award from the Canadian Bar Association, June 11, 2022 – in recognition of decades of ethical advocacy and community service. ”After training under Harry Rankin, QC, Tim founded his own practice with a mission: to make trusted, affordable legal advice accessible across British Columbia. Why Clients Choose Tim Louis: 40+ years of legal experience serving BC Proven success in LTD, Wills, Probate & Employment Law Award-winning dedication to justice and ethics Compassionate legal care — clear, human, and responsive Serving Vancouver, Burnaby, Surrey, Richmond, and beyond Schedule Your Free Consultation Need Legal Help in Vancouver or Across BC? If you're facing a long-term disability denial, navigating wills and estate planning, handling probate or estate disputes, or dealing with a personal injury or employment issue, Tim Louis & Company is ready to help. Backed by over 40 years of experience, Tim and his team provide trusted, compassionate legal guidance tailored to your unique circumstances. Book Your Free Consultation Serving clients in Vancouver, Burnaby, Richmond, Surrey, and throughout British Columbia. Contact Us Our Services Frequently Asked Questions How can a personal injury lawyer help me? A Vancouver personal injury lawyer like Tim Louis can provide valuable assistance after an accident by helping you understand your rights, gathering evidence, negotiating with insurance companies, and representing you in court if necessary. Our goal is to ensure you receive the compensation you deserve for your injuries, lost wages,... --- > We're centrally located in the middle of Vancouver in order to serve you as best as we can. Here are some of our service areas. - Published: 2018-08-15 - Modified: 2021-06-06 - URL: https://timlouislaw.com/near-us/ Our Vancouver British Columbia Service Areas West End Tucked up tightly against the city’s downtown core, the West End is one of the easiest neighbourhoods for visitors to explore, getting a real taste of how real Vancouverites live. A gateway to Stanley Park, the neighbourhood is bordered by the park on one side, as well as English Bay, Granville and Robson Streets. These days, it’s an incredibly diverse area, home to the city’s gay community (centred around Davie Village), heritage homes, and around 40,000 people living in high-rise apartments. The parks and beaches are the main attractions, but the people-watching and dining come in close behind. Content Source Yaletown Yaletown owes its existence mostly to the coming of the Canadian Pacific railroad back in the late 19th century. Back then, a small town named Yale was home to a large number of railroad workers; it also served as a center for the Fraser Canyon gold rush. Yale became Yaletown after the railway line was extended to Vancouver, and today, Yaletown is one of the city’s most densely populated neighborhoods – a far cry from the days when it was home to sprawling rail yards and warehouses. Coal Harbour Despite the fact that Coal Harbour is right downtown, it’s a surprisingly calm little neighbourhood, right on the water’s edge. It’s even more surprising given its industrial history as a former shipyard sitting right next to the railway terminus. The area starts at Canada Place and stretches west to Stanley Park, and is bordered by Burrard Inlet to the north, West Georgia Street to the south. Coal Harbour is a charming mix of business and residential, being home to both the Vancouver Convention Centre as well as condo towers. Around this area you’ll find locals and visitors mingling on the sea wall, neighbourhood cafes and restaurants, a popular marina, and the odd harbour seal bobbing around and greeting passersby. Content Source Gastown Gastown is a retail and commercial district in Vancouver, British Columbia. It is bounded by Cordova Street and the waterfront between Richards Street and Main Street. The original Gastown settlement formed the nucleus for the City of Vancouver and is now a National Historic Site. Today, Gastown is a popular tourist destination and home to restaurants, gift shops, boutiques, galleries, nightclubs and bars. Content Source Kitsilano Almost sixty years ago, the proud and gleaming beach front of Kitsilano in Vancouver was a hippie hideout like no other, save for the world famous San Francisco enclave. Fast-forward to more modern times and now Vancouver's Kitsilano community is home to an increasingly millennial population. This beach culture club has a lot of quirks especially in regards to the brands that they choose or even the food they like to eat. Together, these residents have shortened Kitsilano to Kits as a much cooler name for their ultra modern and increasingly health-conscious Vancouver community. --- > Pedestrian accident lawyer in Vancouver Tim Louis can protect your rights to ensure you will get the maximum compensation. - Published: 2016-08-29 - Modified: 2021-07-13 - URL: https://timlouislaw.com/pedestrian-accident-lawyer-vancouver-bc/ Pedestrian Accident Lawyer in Vancouver | Tim Louis If you have recently suffered injuries as a result of a pedestrian accident, you know just how serious these injuries can be. The human body is no match when pitted against a steel object weighing +2,000 pounds. It is the weight difference between a person and a car, and not the speed of impact, that makes these injuries so potentially serious. To make matters worse, pedestrian accident victims typically suffer not just the pain and suffering that comes from a serious injury, but also a significant loss of income. I have been representing pedestrian accident victims for over 32 years. I am always pleased to provide pedestrian accident victims with an initial consultation on a no-fee basis. For a FREE initial consultation with Tim Louis - Pedestrian Accident Lawyer: My most recent pedestrian accident case just settled out of court for over $200,000. My pedestrian client was on the sidewalk and was hit by a vehicle as the driver exited a back alley which crossed the sidewalk. The driver had a very different version of events. As Discovery, he gave sworn evidence that my client was not on the sidewalk but was in the middle of the street. By aggressively cross-examining him at Discovery, I was able to demonstrate to his lawyer that he had very little hope of being believed at trial. This opened the door to victory and a good settlement for my client's pain and suffering. ICBC put an offer on the table that was generous if we were only seeking compensation for pain and suffering. I rejected ICBC's offer and set about building a loss of income claim. The problem was that my client's income had actually gone up in the years after the accident. As a pedestrian accident lawyer, I was able to demonstrate that while her income did go up in the years after the accident, it would have gone up, even more, had she not suffered her injuries. However, ICBC refused to budge. I then filed a Formal Offer at $201,500. Had the matter proceeded to trial, the judge would not be aware of our Formal Offer until after making his decision. ICBC knew that there are serious cost consequences for a Defendant if the injured party should get more at trial than the amount of the Formal Offer. Voila! ICBC accepted my Formal Offer. Many pedestrian accident victims are unaware of the fact that even if they are in the wrong - perhaps they were jaywalking - it is usually possible for an aggressive lawyer to demonstrate that the driver was still partially at fault for the accident. As soon as some of the fault/liability is shifted on to the driver, my client is entitled to some compensation for pain and suffering, loss of income and out of pocket expenses. A few years ago, I acted for a woman who drove her electric wheelchair into the side of a vehicle that was exiting a parking lot. At first blush, this accident was entirely the fault of my client. I was successful in obtaining an out of court settlement in excess of $100,000 for my client. If you are the victim of a pedestrian accident, you may wish to consult with a personal injury lawyer in Vancouver familiar with these types of cases. --- > If you have been injured by slipping and falling on someone else’s property, contact Vancouver slip and fall lawyer Tim Louis. - Published: 2016-08-29 - Modified: 2025-02-15 - URL: https://timlouislaw.com/slip-and-fall-lawyer-vancouver-bc/ Vancouver Slip and Fall Lawyer | Tim Louis Have you recently suffered injuries as a result of a slip and fall? You may be suffering not only ongoing pain and symptoms, but also a loss of income. Advice from a lawyer familiar with slip and fall cases will help you decide whether or not you have a case worth pursuing. I have over 32 years of experience representing victims of slip and fall cases. I would be pleased to meet with you on a no-fee basis. I recently obtained an out of court settlement for a nurse who slipped on food at a grocery store. This out of court settlement was for over $200,000. For a FREE initial consultation: If you proceed to trial on a slip and fall case, you must not just prove to the court that you did in fact fall and suffer injuries from that fall. You must also prove that the party you are suing was in some way at fault or responsible for the fact that you fell. Let's take a brief look at a make-believe slip and fall scenario. You are shopping at a grocery store. You slip on some produce that was left on the floor. you suffer a broken arm. You have all the evidence you need, including eye witnesses, to prove that there was produce left on the floor, that you slipped on this produce and that it was this fall that caused your broken arm. The grocery store has a policy that the entire floor in the produce area must be swept every 20m minutes. This policy is in writing. The grocery store also has a log which records all of these sweepings. The log confirms that in the time leading up to your fall the floor area was swept every 20 minutes. In this scenario, the court would first decide whether or not the policy that required the floor to be swept every 20 minutes was reasonable. In my opinion, the court would find this policy more than reasonable. The court would then decide whether or not the policy was being carried out in the time leading up to your fall. With the written log indicating that in fat this policy was being carried out in the time leading up to your fall, the court would almost certainly find that this was the case. Unfortunately for you in this make-believe scenario, you would not be successful at trial. The Law Society of BC recognizes that slip and fall cases are generally more difficult than motor vehicle accident cases. The good news is, you should not be discouraged by the above make-believe scenario of a slip and fall case. Unlike many other slip and fall lawyers, I do not stay away from slip and fall cases. I have had every type of slip and fall case one might imagine. I am almost always able to find a way to demonstrate that, in fact, the defendant is responsible for my client's slip and fall. Some of my clients have fallen down an interior stairway in the home they are renting from their landlord. All I have to do is demonstrate that the stairway was not up to code and this slip and fall case is on its way to victory. Some of my clients have fallen down an exterior stairway in the home they are renting from their landlord. In this type of slip and fall case, I have even more avenues of attack. Even if the stairway is up to code, my client's case is on its way to victory if I can demonstrate that my client slipped on the stairway because it was wet and the water came from improperly constructed or improperly maintained eaves above the stairway causing rainfall to drip out or the eaves onto the stairway. If you have suffered an injury as a result of a slip and fall, you may wish to consider obtaining legal advice from a Vancouver personal injury lawyer familiar with slip and fall cases. Call me, Tim Louis, today at 604-732-7678. --- > If you have recently been fired or want to understand your rights when it comes to termination, contact Vancouver wrongful dismissal lawyer Tim Louis. - Published: 2015-09-16 - Modified: 2023-03-30 - URL: https://timlouislaw.com/wrongful-dismissal-vancouver-bc/ Experienced Wrongful Dismissal Lawyer in Vancouver BC - Tim Louis Have you lost your job? If you've lost your job without a valid reason, you may be entitled to financial compensation. For over three decades, Tim Louis has been fighting for the rights of employees who have been wrongfully dismissed. Call (604) 732-7678 today for a free telephone consultation. When you are fired, your employer must have a valid reason. A downturn in business or downsizing are not valid reasons. If your employer can't prove unacceptable conduct on your part, you have the right to receive financial compensation. This is called "Termination Without Cause". Get the Compensation You Deserve When Wrongfully Dismissed The amount of financial compensation you receive depends on how long you've been employed before being wrongfully dismissed. As a general rule, you are entitled to 4-6 weeks of severance pay for every year of service with the company. You are also entitled to 4-6 weeks of notice for every year you worked before your wrongful termination. This is called the notice period. If you decide to sue your employer and win, the court will award you an amount equal to the income you would have earned during the notice period, less any income you earned during that time. Act Quickly and Document Your Efforts to Find Alternative Employment If you've been wrongfully dismissed, it's important to start looking for a new job right away. You must document your job search efforts, as failing to do so may result in a reduced award if you go to court. If you've lost your job due to wrongful dismissal, contact Tim Louis for a free telephone consultation. Tim is an experienced wrongful dismissal lawyer serving Vancouver and BC. Contact him today at (604) 732-7678! Fight for Fair Compensation: Contact Tim Louis If you have been wrongfully dismissed and are seeking fair compensation, contact Tim Louis, an experienced wrongful dismissal lawyer serving Vancouver and BC. With over three decades of experience in suing employers, Tim Louis has the knowledge and expertise to fight for your rights and get you the compensation you deserve. Call Tim Louis today at (604) 732-7678 for a free consultation and take the first step towards a fair settlement. Click Here People also ask: What is wrongful dismissal? Wrongful dismissal occurs when an employer terminates an employee without a valid reason. A downturn in business or downsizing are not valid reasons, but willful disobedience, theft, insubordination, competing with your employer, working on your own work during paid time, and chronic or repeated tardiness are valid reasons for termination. When can I claim wrongful dismissal? You can claim wrongful dismissal if your employer cannot prove that they had a valid reason for terminating your employment. If you believe that you have been wrongfully dismissed, contact Tim Louis, an experienced wrongful dismissal lawyer serving Vancouver and BC, at (604) 732-7678 for a free consultation. How do I prove wrongful dismissal? If you decide to sue your employer for wrongful dismissal, the burden of proof is on your employer to show that they had a valid reason for terminating your employment. Hiring a knowledgeable employment lawyer, like Tim Louis, can help you build a strong case and get the compensation you deserve. Contact Tim Louis at (604) 732-7678 today for a free consultation. Why should I hire a lawyer for wrongful dismissal? Hiring a wrongful dismissal lawyer familiar with employment law can help ensure that you receive a fair settlement. Tim Louis has been fighting for the rights of employees who have been wrongfully dismissed for over three decades. Contact Tim Louis at (604) 732-7678 for a free consultation. What is the notice period? The notice period is the amount of time your employer is required to give you before terminating your employment. Generally speaking, you are entitled to 4-6 weeks of notice for every year you worked before your wrongful termination. How is financial compensation for wrongful dismissal calculated? The amount of financial compensation you receive depends on how long you've been employed before being wrongfully dismissed. As a general rule, you are entitled to 4-6 weeks of severance pay for every year of service with the company. If you sue your employer and win, the court will award you an amount equal to the income you would have earned during the notice period, less any income you earned during that time. What should I do if I've been wrongfully dismissed? If you've been wrongfully dismissed, it's important to start looking for a new job right away and document your job search efforts. Contact Tim Louis for a free consultation to discuss your case and learn about your legal options. Tim Louis is an experienced wrongful dismissal lawyer serving Vancouver and BC who can help you get the compensation you deserve. What if I can't find a new job after being wrongfully dismissed? If you are unable to find a new job after being wrongfully dismissed, you may be entitled to additional compensation. Tim Louis, an experienced wrongful dismissal lawyer serving Vancouver and BC, can help you understand your legal options and fight for your rights. Contact Tim Louis at (604) 732-7678 for a free consultation. Can I be terminated while on long-term disability? If you are terminated while on long-term disability, you may have a case for wrongful dismissal. Tim Louis is a knowledgeable employment lawyer who can help you understand your legal rights and fight for fair compensation. Contact Tim Louis at (604) 732-7678 for a free consultation. Can I negotiate a settlement without going to court? Yes, it is possible to negotiate a settlement without going to court. Tim Louis is an experienced negotiator who can work with your employer's legal team to reach a fair settlement outside of court. Contact Tim Louis at (604) 732-7678 for a free consultation and to learn more about your options for negotiating a settlement. What should I do if I think I've been wrongfully dismissed? If you think you've... --- > Vancouver car accident lawyer and ICBC claims lawyer Tim Louis will fight for your case to ensure you will receive the compensation you deserve. - Published: 2012-11-15 - Modified: 2021-06-06 - URL: https://timlouislaw.com/vancouver-car-accident-lawyer-vancouver-bc/ Vancouver Car Accident Lawyer Tim Louis - Personal Injury and Long-Term Disability Lawyer It’s unfortunate, but motor vehicle accidents continue to be one of the leading causes of personal injury in British Columbia’s lower mainland and Greater Vancouver. According to ICBC crash statistics for 2011, more than 29,200 people were injured in just over 96,200 accidents. In other words, says Vancouver car accident lawyer Tim Louis, more than 30 percent of the people involved in vehicle crashes that year suffered a personal injury of some kind. Hire an experienced Vancouver car accident lawyer Now, injuries will heal, but keep in mind that not all injuries are obvious in the hospital emergency room. Some do not manifest themselves until long after the accident takes place, in particular soft tissue damages. When you’ve been hurt in a car vehicle accident (MVA), you must protect yourself, and the best way to do that is by hiring an experienced car accident lawyer in Vancouver like Tim Louis of Tim Louis and Company. You owe it to yourself not to make any hasty decisions following a motor vehicle accident The Insurance Corporation of British Columbia (ICBC) will attempt to have you settle a personal injury claim as soon as possible. It is in the company’s best interests to reach an agreement quickly because it keeps the overall costs down. It should go without saying, however, that these speedy settlements are definitely not in your best interests. Tim Louis & Company has represented thousands of motor vehicle accident personal injury clients over the years, and Tim knows that ICBC will do everything in its power to ensure you do not get the settlement you deserve from such an ICBC claim. It always starts with a tempting initial offer, but Tim says in most instances that figure is much lower than a judge might determine when all the evidence is weighed. This is particularly true when it comes to those nagging, long-term injuries that only set in months after the accident takes place. An experienced Vancouver car accident attorney can make all the difference If you want a fair settlement from ICBC, you need a highly experienced Vancouver car accident lawyer like Tim Louis on your side. Tim’s spent more than 28 years fighting ICBC for people just like you. A personal injury as a result of an automobile accident should never be taken lightly, says Tim. The long-term ramifications of such injuries can be devastating to one’s quality of life and one’s ability to earn a living. If you have been injured in a car accident, you owe it to yourself to ensure you get the best possible settlement. You owe it to yourself to hire Tim Louis & Company. https://youtu. be/_o3sHzfJbUE Legal Services include: Personal Injury Long-Term Disability Wrongful Dismissal Wills Variation --- > Contact Vancouver long-term disability lawyer Tim Louis if you have been diagnosed with chronic fatigue syndrome. - Published: 2012-10-09 - Modified: 2024-09-14 - URL: https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/chronic-fatigue/ Chronic Fatigue Syndrome Leading to Long-Term Disability In general, in order to receive a diagnosis of chronic fatigue syndrome, you must have both of the following two criteria: 1. You must have severe chronic fatigue for at least six months with other known possible medical conditions excluded by clinical diagnosis. 2. You must have concurrently four or more of the following symptoms: substantial impairment in short-term memory or concentration sore throat tender lymph nodes muscle pain multi-joint pain without swelling or redness headaches of a new type, pattern or severity unrefreshing sleep post-exertional malaise lasting more than 24 hours The symptoms must have persisted or recurred during six or more consecutive months of illness and must not have predated the fatigue. Why seek legal advice and legal representation for Chronic Fatigue Syndrome? If your Chronic Fatigue Syndrome is preventing you from working and if you have long term disability coverage, you are eligible for long term disability benefits. However, many insurance companies deny long term disability applications from Chronic Fatigue Syndrome patients. If your application is denied, you should hire a lawyer and sue your insurance company. Long Term Disability Lawyer Tim Louis has been acting for individuals with Chronic Fatigue Syndrome for over three decades. Do not waste your time appealing your long term disability benefits denial. Your appeal will be dealt with by an employee of your insurance company. There is little likelihood that your appeal will be successful. What the appeal will do is delay the point in time when you start your lawsuit. --- > Contact Vancouver long-term disability lawyer Tim Louis if you suffer from fibromyalgia and unable to work due to your pain. - Published: 2012-10-09 - Modified: 2022-08-07 - URL: https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/fibromyalgia/ Fibromyalgia and Long-Term Disability Fibromyalgia is a chronic disorder characterized by widespread musculoskeletal pain, fatigue, and multiple tender points that occurs in precise, localized areas, particularly in the neck, spine, shoulders, and hips; also may cause sleep disturbances, morning stiffness, irritable bowel syndrome, anxiety, and other symptoms. Contact Long-Term Disability Lawyer Tim Louis if you suffer from fibromyalgia and unable to work due to your pain. Learn more about Fibromyalgia https://www. healthlinkbc. ca/health-topics/fibromyalgia Legal Services include: Personal Injury Long-Term Disability Wrongful Dismissal Wills Variation --- > Need legal advice in Vancouver? Contact Tim Louis & Company for experienced help with disability, injury, employment, or estate matters. Book your consult today. - Published: 2012-09-22 - Modified: 2025-05-15 - URL: https://timlouislaw.com/contact-us/ Contact Tim Louis & Company Your Trusted Vancouver Law FirmAt Tim Louis & Company, we specialize in long-term disability claims, estate litigation, personal injury law, and more. Whether you're facing a denied disability claim, navigating estate planning, or dealing with employment issues, our dedicated team is here to help. Office LocationTim Louis & Company2526 West 5th AveVancouver, BC V6K 1T1 Phone: (604) 732-7678 Fax: (604) 732-7579 Email: timlouis@timlouislaw. com Website: www. timlouislaw. com Office HoursMonday to Friday: 9:00 AM – 4:30 PMSaturday & Sunday: ClosedOur Legal ServicesLong-Term Disability Claims: Denied benefits? We fight for what’s yours. Wills & Estate Planning: Ensure your assets and family are protected. Estate Litigation: Resolve inheritance disputes and protect your legacy. Probate Administration: Simplify the legal process as an executor. Personal Injury Law: Injured? Get the compensation you deserve. Employment Law: Facing wrongful termination or workplace disputes? We stand with you. Get in TouchWe offer a free, no-obligation consultation to discuss your legal needs. Please fill out the form below, and we'll get back to you promptly. Contact Form - Contact Us Page Your Name*Phone*Your Email*Message*Type the code shownCommentsThis field is for validation purposes and should be left unchanged. /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ What Our Clients Say“Tim was the only lawyer who called me back. He made me feel like I mattered. ” – Google ReviewRead all our reviews.   This page is part of our Living Content System™ and reviewed regularly for accuracy and legal compliance. Last reviewed: May 15, 2025 by Tim Louis, Lawyer in Vancouver --- > Testimonials - What Clients Say About Personal Injury and Long-term Disability Lawyer in Vancouver - Tim Louis - Published: 2012-09-22 - Modified: 2022-08-09 - URL: https://timlouislaw.com/testimonials/ Tim Louis and Company Law Firm in Vancouver - Testimonials Leave a Review Lawyer Tim Louis has successfully won cases for people who have faced the legal challenges of long term disability claims denial, personal injury, employment law litigation such as wrongful termination and estate legal cases with wills variation. Tim Louis was awarded the Harry Rankin QC Pro Bono Award by the Canadian Bar Association, to acknowledge his commitment to pro bono service. He has 40 years of expertise, skills and enthusiasm needed to handle your case. What clients have to say about lawyer Tim Louis of Tim Louis and Company Law Firm. Google Reviews You Tube Reviews Other Reviews Google Reviews You Tube Reviews Other Reviews “We are return clients to Tim Louis & Company because we know we can trust Tim. He emanates integrity and fairness. He is clear and efficient with the process but takes time to listen and really hear what you are saying. Thank you to Tim and staff once again for your service! ” Susan Kurbis Leave a Review (604) 732-7678 www. timlouislaw. com 208 – 175 East Broadway, Vancouver, BC V5T 1W2 Google Facebook Instagram Twitter Linkedin Email Free Legal Consultation About Tim Louis & Company Law Firm ABOUT VANCOUVER, BC BASED LAW FIRM SPECIALIZING IN LONG-TERM DISABILITY, PERSONAL INJURY, EMPLOYMENT LAW AND ESTATE LITIGATION. At the law firm of Tim Louis and Company, we are committed to helping people through difficult times. Starting with a free consultation, we help people who need it most to get the compensation they deserve. Our practice includes Long-Term Disability, Personal Injury, Employment Law and Estate Litigation. With over four decades of experience, Tim Louis has helped people across British Columbia get legal help when they need it most. --- > We can help you with Representation Agreements. Talk to Tim Louis & Company Law in Vancouver to help you with appointing someone to take care of your needs. - Published: 2012-07-04 - Modified: 2021-06-06 - URL: https://timlouislaw.com/representation-agreements/ Representation Agreements ** A reminder, however, that the following information regarding representation agreements is not considered legal advice and is general information only. You should contact a lawyer registered to practice in your province to properly advise you. *** Q: What is a Representation Agreement? While the Power of Attorney enables you to appoint someone to take care of financial matters for you, a Representation Agreement will enable you to appoint someone to take care of personal and health-care decisions for you. Q: When is the right time to do a Representation Agreement? A Representation Agreement should be prepared while you have mental comptency. A letter from your doctor may be required to prevent further complications. Q: What is the process? After your appointment, we will draft a multiple page document describing who you are naming as your Representative(s) (and Monitor(s)) and what medical choices you'd like them to make should you be incapable of making them on your own. You and your Representative(s) (and your Monitor(s)) should review and approve of the Representation Agreement. It is important for all parties to receive independent legal advice. In other words, the Representative and Monitor should seek advice from a different lawyer. Once the Representation Agreement is approved, then all parties must attend the office to sign the Agreement. Q: Does the Representative or Monitor get paid? Both the Representative and Monitor may be reimbursed for all reasonable expenses that they incur but do not get paid for their services. Q: What is the difference between a Representative and a Monitor? The Representative makes decisions that you enable within your Representation Agreement. It is optional to appoint a Monitor, who will make sure that the Representative is doing his/her job. Contact Us: Tim Louis & Company timlouis@timlouislaw. com 208 - 175 East Broadway Vancouver, BC V5T 1W2 Canada (604) 732-7678 --- > Tim Louis & Company practices in Trusts law in Vancouver including disability and last will and testaments. Call us today at 604-732-7678. - Published: 2012-07-04 - Modified: 2021-06-06 - URL: https://timlouislaw.com/trusts/ Trusts ** A reminder, however, that the following information regarding trusts is not considered legal advice and is general information only. You should contact a lawyer registered to practice in your province to properly advise you. *** Q: What kinds of Trusts does Tim Louis & Company do? a. Disability Trusts (Intervivos Trusts): usually for those who currently receive disability benefits and are expecting a lump sum of money which may disqualify them from continuing to receive their benefits. b. Trusts that are created in a Last Will & Testament: created for the benefit of another upon your death. e. g. minor children. Q: Who is the Trustee? The Trustee can be a person, persons or company who will be responsible for managing the Trust. Q: For a Disability Trust, what is the difference between a Discretionary and Non-Discretionary Trust? Discretionary Trusts: Beneficiary has no control of Trust money or decision making. Non-Discretionary Trusts: Beneficiary has control of Trust money and decision making BUT there can only be $100,000 in the Trust as a limit Q: Where can I find more information about Disability Trusts? We recommend the Trust booklet created by the Voice of Cerebral Palsy which can be found online in pdf format. Contact Us: Tim Louis & Company timlouis@timlouislaw. com 208 - 175 East Broadway Vancouver, BC V5T 1W2 Canada (604) 732-7678 --- - Published: 2012-07-04 - Modified: 2021-06-06 - URL: https://timlouislaw.com/turn-back-the-clock/ Turn Back the Clock! - by Tim Louis Many times over the last fifteen years, when meeting with clients who have been denied long term disability benefits by their insurance company, I have wished I could turn back the clock. Between the time when they were first denied benefits and their appointment with me, much time and many decisions had been taken. If only the client had seen me in the first few days after the original denial. Here are just two examples of where my advice early on would have resulted in a speedier resolution of the claim in my client's favour. MORE INFORMATION Quite frequently the insurance company makes the original denial appear much less negative by combining it with a simple request for additional information. The unsuspecting claimant goes about obtaining the additional information, more often than not at considerable time and expense, only to wait an unacceptable length of time for a response from the insurance company, which, when it finally arrives, is not positive but is a follow-up request for further information. On and on the process goes with each information request cycle consuming many months of time, during which the claimant remains without the benefits to which he or she is entitled. In my office I always file a Writ in court immediately upon being retained and follow up with the insurance company's requests for further information afterwards. This sends a very clear message to the insurance company that we mean business. More importantly, it begins a process which results in a trial date being assigned which brings pressure on the insurance company. Suddenly, the tables are turned and delay no longer benefits the insurance company. ACTIVITY REPORTS Very few doctors or lawyers, other than those familiar with ME and FM, are aware that most patients experience great variations from one day to the next in how they feel and in what they can do; that activity one day may result in "crashing" the next few days; and that a good day may seem like a "gift from the gods" to be taken full advantage of. Along comes the insurance company with a questionnaire to be completed regarding activities you are able and/or have done in the last year. No request is made for how often and with what consistency you were able to do these activities. Can you vacuum? You answer yes. Can you mow the lawn? You answer yes. Can you sit at a keyboard and work at your computer? You answer yes. And on and on the questions go. By the end of the form, you appear to be much more capable than you really are. The last time you were capable of vacuuming may have been months ago, but the form didn't ask for comment on frequency or how long ago you did the task. The same goes for the lawn and the keyboard. In my office, I don't let my clients complete the form if it will misrepresent their situation. Instead, the client and I provide full and complete answers to the questions including frequency and impact on my client of engaging in the activity (eg. "crashing". ) So, if you have been denied disability benefits by your insurance company, see a lawyer sooner rather than later as proceeding on your own may harm and add unnecessary delay to your claim. --- > Vancouver Lawyer Tim Louis - Offering Legal Services for Personal Injury, Long-term Disability, Wrongful Dismissal and Wills Variation - Published: 2012-07-04 - Modified: 2025-06-29 - URL: https://timlouislaw.com/about-us/ Vancouver Lawyer Tim Louis: Expert Legal Services for Long-term Disability, Personal Injury, Wrongful Dismissal, and Wills Variation   Legal Services Include: Long-Term Disability Wills & Estate Planning Estate Litigation Probate Administration Personal Injury Employment Law Contact Tim Today TimLouis@timlouislaw. com (604) 732-7678 Experienced Legal Professional in Vancouver Tim Louis, a highly experienced lawyer, has been serving the legal needs of clients in Vancouver since 1984. After completing his articles Harry Rankin & Company, Tim founded Tim Louis and Company, where he continues to provide exceptional legal services to his clients. Even before law school, Harry offered his very strong support to Tim by writing a letter to the UBC Law Faculty, which resulted in Tim's admission to. Harry became a mentor and shaped Tim's politics and approach to law and services to clients Contact Tim Louis Long-Term Disability, Personal Injury, Employment, Wills/Estate Litigation, VancouverEmail: timlouis@timlouislaw. com Phone: (604) 732-7678 Tim's political website: https://timlouis. ca Affordable Legal Services for Everyday Concerns Tim's firm was founded with the goal of providing affordable legal services to individuals on matters of everyday concern. He specializes in personal injury, long-term disability, wrongful termination, and estate/wills litigation, and is dedicated to fighting for the rights of his clients who have been wronged or denied justice. A Mentor's Influence Even before law school, Tim received strong support from Harry Rankin, who wrote a letter to the UBC Law Faculty on his behalf, resulting in Tim's admission to the program. Harry became Tim's mentor, shaping his politics and approach to law and client service. Contact Tim Louis Today If you need a lawyer who specializes in personal injury, long-term disability, wrongful dismissal or termination, or wills variation, Tim Louis is the right choice. He offers a no-fee telephone consultation during which he will answer all your questions, no matter how complex. Give him a call today at (604) 732-7678 to discuss your legal needs. When you need a lawyer specializing in Estate & Wills Litigation to resolve inheritance disputes and protect your legacy, Long-Term Disability Claims if your benefits were denied, Personal Injury Law to get the compensation you deserve, Employment Law for wrongful termination or workplace disputes, Wills & Estate Planning to ensure your assets and family are protected, or Probate Administration to simplify the legal process as an executor, contact Tim Louis & Company. Give Tim Louis a call today at (604) 732-7678 for a no-fee telephone consultation, during which he will answer all your questions, no matter how complex. 40+ Years of Activism in the Disability Community: With over 40 years of experience, Tim Louis has been actively involved in the disability community. During his first year of Law School, Tim co-founded the Pacific Transit Cooperative (PTC), an innovative coop made up of Handydart users. Thanks to PTC's successful bid for the Translink contract to operate Handydart in Vancouver, the organization was able to operate for 27 years. As one of the co-founders of the BC Coalition of the Disabled (now known as the BC Disability Alliance) in the late 1970s, Tim has been elected many times as the board's chair. Tim also helped to found the Public Interest Advocacy Centre (PIAC), which takes test cases to court to set precedents, with a focus on disability cases. Over the years, Tim was elected several times as the chair of the PIAC board by his fellow members. Another organization Tim co-founded is the Association of CSIL Employers (ACE), a program where individuals with disabilities receive monthly funding to hire personal care attendants directly, instead of going through a homemaker agency. Together with Ken Kramer, the chair of ACE, Tim successfully lobbied the provincial government for a 30% raise in the hourly rate of CSIL personal care attendants. Currently, Tim sits on Translink's Handydart User Advisory Committee (HDUAC), where he was unanimously elected as the chair approximately 18 months ago. Tim Louis on the Issues: In addition to his activism and legal work, Tim writes a weekly blog called Tim Louis on the Issues where he shares his thoughts on important issues. When he's not working or advocating for change, Tim enjoys spending time outdoors with his long-time partner Penny Parry, listening to audio books, and attending political events. Penny Parry: Penny Parry is Tim’s life partner. Although she is not a formal employee, she works on many of Tim’s files offering wise insight and analysis. In 1974, Penny received her PhD in clinical psychology from McGill University and proceeded to work as a clinical psychologist for many years until becoming a member of the Faculty of Child and Youth Care at the University of Victoria where she achieved tenure as an Associate Professor. Penny and Tim met in 1984. Shortly thereafter Penny left the University of Victoria to move to Vancouver where she continued to work as a psychologist until she became the the Child and Youth Advocate for the City of Vancouver. In 2001, Penny decided to study art and enrolled in Emily Carr, graduating 4 years later with a BFA. Since then, Penny works at her art practice and is involved in community activism. Learn more about Penny: https://www. cbc. ca/news/canada/british-columbia/vancouver-artist-creates-giant-book-telling-tale-of-alice-post-wonderland-1. 3848555 https://cyc-net. org/cyc-online/cyconline-aug2008-parry. html https://cyc-net. org/cyc-online/cyconline-mar2009-parry. html http://www. publiceyeonline. com/archives/002459. html https://acycpjournal. pitt. edu/ojs/jcycw/article/view/121 --- > Have a legal question in BC? Get clear answers on LTD claims, personal injury, employment law & estate disputes—trusted guidance from Tim Louis & Company. - Published: 2012-07-04 - Modified: 2025-05-12 - URL: https://timlouislaw.com/faq/ If you're looking for clear answers to common legal questions in British Columbia, our FAQ page is the perfect place to start. At Tim Louis & Company, we’ve created this resource to help individuals understand their rights in areas like long-term disability claims, personal injury, estate litigation, wrongful dismissal, and wills variation. Whether your LTD benefits were denied or you’re navigating an employment or probate dispute, we offer helpful insights and guidance. With over 40 years of experience, Tim Louis is one of Vancouver’s most trusted lawyers. Need more answers? Explore our expanded FAQ Hub for deeper legal insight. Looking for More Legal Answers? Our new FAQ Hub has detailed, easy-to-read answers to the most common legal questions about long-term disability, estate litigation, personal injury, and more in British Columbia. Visit the FAQ Hub Tim Louis & Company – Frequently Asked Questions (FAQ) At Tim Louis & Company, we know legal matters can feel overwhelming—especially when you're navigating them for the first time. That’s why we’ve put together this FAQ: to give you straight answers to real questions we hear every day from people just like you. 1. What types of cases do you take on? We focus on helping everyday people with challenges like: Denied Long-Term Disability (LTD) Claims Personal Injury Employment Law (especially wrongful dismissal) Wills, Trusts & Estate Planning Estate Disputes and Wills Variation Power of Attorney and Probate Administration 2. Is the first consultation really free? Yes, absolutely. Your first consultation is free and completely confidential. It’s your chance to ask questions, get clarity, and decide what to do next—no strings attached. 3. How do I know if I have a case worth pursuing? You don’t have to figure that out on your own. If something doesn’t feel fair—like an LTD denial, being fired without cause, or being left out of a will—we’re here to help you find out. Book a free consultation and we’ll walk through it together. 4. My disability claim was denied. Can you help? Yes, this is one of our core areas of practice. We help people fight back when insurance companies say “no. ” We’ll review your file, guide you through appeals, and make sure you’re treated fairly. Don’t wait—these cases are time-sensitive. 5. Can I challenge a will if I was left out or treated unfairly? Yes. BC’s Wills, Estates and Succession Act (WESA) allows you to challenge a will if you were unfairly excluded or left less than what’s fair. These are called wills variation claims—and we handle them often. 6. What will it cost to hire you? In many cases, especially for LTD and injury claims, we work on a contingency fee—you only pay if we win. For estate and employment matters, we offer transparent rates or flat fees depending on the situation. 7. Do I have a deadline to take legal action? Yes, and missing one can mean losing your rights. Here’s a quick guide: LTD Claims: Often 2 years from denial—but act as early as possible Wills Variation: 180 days from when probate is granted Wrongful Dismissal: 2 years from the date of dismissal Every case is different. If you’re unsure, contact us right away. 8. Can you help with family fights over an estate? Absolutely. Whether you’ve been excluded from a will, are facing conflict between siblings, or need to defend an estate, we’ll help you find the best path forward with respect, skill, and clarity. 9. I can’t travel to your office. Can I still work with you? Yes. We work with clients across BC by phone, email, and Zoom. No matter where you are, we’ll make sure you have access to experienced legal advice. 10. What’s the best way to get in touch? Give us a call at (604) 732-7678 or send us an email at timlouis@timlouislaw. com. You can also use our contact form at timlouislaw. com. We’ll respond quickly and guide you from there. Service-Specific FAQs Estate & Wills Litigation Can I contest a will in BC? Yes. If you were a spouse or child of the deceased and feel the will does not provide adequate support, you may have grounds to contest it under BC's Wills, Estates and Succession Act (WESA). What’s the deadline to file a wills variation claim? You must file within 180 days from the date probate is granted. Acting quickly is essential. How do I prove undue influence in a will? Evidence such as coercion, dependency, isolation, or unusual behaviour before the will was signed can support a claim of undue influence. We can guide you through the process. Who can file an estate dispute? Typically, spouses, children (including stepchildren in some cases), or others with a financial interest in the estate can file a claim. What happens if someone dies without a will? The estate will be distributed according to BC’s intestacy laws, which may not reflect the deceased’s true wishes. We help families navigate this process. Can siblings dispute inheritance? Yes. If a sibling believes the will is unfair or invalid, or if there are signs of undue influence or incapacity, they may have grounds to dispute. What if an executor is not acting fairly? You can apply to the court to have an executor removed if they’re not fulfilling their duties or acting in bad faith. We can help you initiate that process. Do I need a lawyer to resolve estate disputes? While it’s not mandatory, a lawyer ensures your rights are protected and can help resolve disputes efficiently and with less emotional stress. What is the Wills, Estates and Succession Act (WESA)? WESA governs how estates are handled in BC, including will challenges, intestacy, and probate. It replaced several older laws to streamline estate matters. How long does estate litigation take? It depends on the complexity of the dispute. Some are resolved in a few months, while others may take a year or more. Early legal advice can help speed things up. Long-Term Disability Claims What qualifies as a long-term disability in... --- > Vancouver ICBC claims lawyer Tim Louis has had decades of experience in successfully litigation ICBC Claims in Vancouver. - Published: 2012-07-04 - Modified: 2024-09-24 - URL: https://timlouislaw.com/icbc-claims/ Steps in an ICBC Claim - Tips from Personal Injury Lawyer Tim Louis ICBC Claims The following information regarding ICBC Claims is not considered legal advice and is general information only. The timing of a lawsuit is difficult to predict. It depends on many things, including actions the Defendant takes, Court schedules, and decisions you make. A lawsuit can take up to two years or longer to settle or go to trial. However, most ICBC Claims lawsuits go through the same basic steps, although not always in the same order. Some lawsuits skip some steps, and some steps are repeated many times over. The steps listed here are the main steps that occur in a lawsuit. They will give you a general idea of what to expect. Gathering the Facts With our client's help, we gather all the available facts concerning the ICBC claim, including interviewing and taking statements from witnesses. We sometimes hire investigators or experts to help us, so this step can involve expenses. Starting the ICBC Claim Lawsuit We begin the lawsuit by preparing the necessary Court documents (usually a Writ of Summons and Statement of Claim) and filing them in Court. This means the Court date-stamps all copies of the documents, keeping one copy for their official record. Before we file them we will send you a draft for your approval. After we file them we deliver filed copies to the Defendant's lawyer. This step also involves expenses such as court filing fees. Interim Applications After we start an ICBC Claims lawsuit, but before trial, we or the Defendant's lawyer sometimes need to ask the Court to decide certain things. Going to Court to ask for an order is called an interim application. These interim applications are usually about how the lawsuit should be handled. For example, we might ask the Court to order that the Defendant show us a particular letter or document that the Defendant would rather not let us see. Examination for Discovery After gathering the facts, either we or the Defendant's lawyer arrange an examination for discovery. At the examination for discovery, we question the Defendant under oath about the case. We also ask the Defendant to show us what relevant documents the Defendant has and to tell us about the relevant documents he or she has ever owned or had access to. In return, the Defendant lawyer also questions our client about the case. We give the Defendant copies of the documents we have that relate to the lawsuit, and our client describes all relevant documents he or she once had or had access to. Tim's blog: Motor vehicle accidents and medical examinations! Review of the Law Once we have a good idea of all the facts, we review the law. We then give our client our legal opinion about what the likely outcome of a trial would be, and how much money our client can expect to get. Negotiation and Settlement When it is appropriate, we talk with the Defendant's lawyer to see if they will settle the ICBC claim. A settlement is an agreement that details how much money a defendant must pay. If the claim is settled, it does not go to trial. Preparation for Trial We prepare the case for trial, including getting all the necessary documents together, arranging for witnesses to attend, and preparing any legal opinions. Trial We act for our clients at the trial. When the judge has decided the case, which could be a few days, weeks, or even months after the trial, we prepare the Court order for the judge to sign, or review how the other lawyer writes up the judgment to make sure it is correct. Completing the ICBC Claim We do all the work necessary to complete the ICBC claim. This includes giving our client money from a settlement or judgment after we have deducted our fees and expenses. However, it doesn't include starting new steps such as enforcing or appealing a Court judgment. To enforce judgments means to start proceedings to force the Defendant to actually pay what he or she has been ordered to pay. To appeal a judgment means to start work to get a higher Court to change the original Court's judgment. --- > Denied long-term disability benefits in Vancouver? Tim Louis & Company has over 40 years of experience fighting for your rights. Free consultation available. - Published: 2012-07-04 - Modified: 2025-05-23 - URL: https://timlouislaw.com/long-term-disability-lawyer-vancouver-bc/ Denied Long-Term Disability Benefits? Vancouver’s Trusted Disability Lawyer is Ready to Fight for YouDenied Long-Term Disability Benefits in Vancouver? If your LTD claim has been rejected or terminated, you're not alone. Many individuals in British Columbia face similar challenges when insurance companies unfairly deny rightful claims. At Tim Louis & Company, we specialize in fighting for your rights to secure the benefits you deserve. For over 40 years, Tim Louis & Company has successfully appealed denied disability claims, ensuring our clients get the financial support they deserve. Don’t let your insurance company take advantage of you—let’s take action today. Call Now for a Free Consultation (604) 732-7678We Handle Everything – You Focus on Your Health, We Handle the Legal FightDecades of Experience Winning Disability Claims in BC Get a Free Consultation →When Do You Need a Long-Term Disability Lawyer in Vancouver? Insurance companies routinely deny, delay, or cut off disability benefits—even when you have a legitimate claim. If this happens, you need an experienced LTD lawyer to fight back. Common Reasons Insurers Deny LTD Claims: “Insufficient medical evidence” – Even when doctors confirm your condition, insurers may demand more proof. “Not disabled enough” – Insurance companies often argue you can still work, even when you can’t. Surveillance & Private Investigators – Insurers may misinterpret social media posts or everyday activities to justify a denial. Missed deadlines & paperwork errors – One small mistake can result in a rejection. Unfair claim reassessments – Even if you were initially approved, insurers can cut off benefits after a review. Handling Your LTD Appeal Alone is RiskyInsurance companies count on you giving up—but you don’t have to fight this battle alone. Tim Louis & Company has over 40 years of experience forcing insurance companies to pay what’s fair. Why Hire Tim Louis? Over 40 Years of Experience: Successfully representing disabled workers throughout British Columbia. Insurance Company Negotiation: We handle all communications, allowing you to focus on recovery. Proven Track Record: Numerous successful appeals and settlements in LTD cases. " Call (604) 732-7678 or Request a Free Consultation →Tim Louis is a long-term disability insurance claim lawyer, with over four decades of legal experience, who has successfully sued the following insurance companies to protect his clients. These companies include:Cooperators Life Insurance Company Desjardins Financial Security Life Assurance CompanyGreat West Life now known as Canada LifeRBC Life Insurance CompanySun Life Assurance Company of CanadaPacific Blue Cross Industrial AllianceTrustees of the Healthcare Benefit TrustThe Board of Trustees of the Transit Employee's Health and Benefit TrustLong-term disability is a quality-of-life issue that needs proper recognition and careAnyone who's ever suffered some form of long-term disability knows that the effects on one's physical, mental and emotional state can be traumatic. All aspects of one's personal well-being are affected, especially an individual's family. Long-term disability, and with it the loss of work and income, does result in real financial hardship. The distress caused by the denial of long-term disability payments may give you the right to sue for mental distress on top of the long-term disability benefits. Naturally, insurance companies are loathed to pay out on such claims because the costs greatly impact their bottom line. If you have long-term disability insurance coverage, and if you're suffering from a debilitating illness or injury, then you deserve compensation. Tim Louis has consistently fought for his clients to ensure they get the long-term disability benefits to which they are legally entitled. Common conditions that are eligible for claims Autoimmune Disease Cancer Chronic Pain Chronic Fatigue Depression Fibromyalgia Heart Disease and Stroke Irritable Bowel Syndrome (IBS), Crohn’s or Colitis Lyme Disease Multiple Sclerosis (MS) Parkinson’s Disease Post-Traumatic Stress Disorder (PTSD) Severe Vision or Hearing loss How Tim Louis & Company Fights for Your Disability BenefitsOur Approach to Securing Your Long-Term Disability BenefitsFacing a disability is challenging enough without the added stress of denied benefits. At Tim Louis & Company, we:Challenge Denials: Present compelling medical and legal evidence to overturn unjust decisions. Manage Communications: Handle all interactions with insurance providers on your behalf. Prevent Benefit Terminations: Act swiftly against any attempts to cut off your benefits. Collaborate with Medical Experts: Strengthen your claim with authoritative medical opinions. What We Do to Win Your Case: Challenge Insurance Company Denials – We force insurers to pay by presenting irrefutable medical and legal evidence. Handle All Communications – No more dealing with insurance adjusters or their delay tactics. We manage everything for you. Fight Unfair Benefit Terminations – If your insurer stops your LTD payments, we take immediate legal action. Gather Medical & Expert Evidence – We work with top medical specialists to strengthen your claim. Negotiate Maximum Settlements – Many cases settle before trial, ensuring you get paid faster and fairly. Did You Know? Insurance companies have lawyers—so should you. Without legal representation, you risk losing out on benefits you deserve. Time is Limited—Take Action Now! Insurance companies count on you missing deadlines. If you don’t appeal in time, you could lose your right to benefits. Call Tim Now at (604) 732-7678 Request a Free Consultation →   Legal Services Include: Long-Term Disability Wills & Estate Planning Estate Litigation Probate Administration Personal Injury Employment Law Contact Tim Today TimLouis@timlouislaw. com (604) 732-7678 Tim Louis – Your Trusted Long-Term Disability Lawyer in VancouverFighting for Your Disability Benefits for Over 40 YearsIf your long-term disability (LTD) claim has been denied, you’re not alone. Insurance companies regularly reject legitimate claims, hoping you’ll give up. That’s where Tim Louis & Company comes in. For more than 40 years, Tim Louis has been fighting back against big insurance companies and winning life-changing benefits for his clients. He has successfully sued some of the world’s largest insurers and has overturned unfair CPP disability denials by the federal government. Your disability benefits should be a safety net—not a battle. If your insurer is delaying, reducing, or denying your LTD benefits, Tim Louis is ready to fight for you. We Advocate for Clients With a Wide Range of DisabilitiesTim Louis has secured LTD benefits... --- > Vancouver long-term disability and personal injury lawyer Tim Louis specializes in serious accidents and personal injury cases in Vancouver. - Published: 2012-07-03 - Modified: 2023-09-21 - URL: https://timlouislaw.com/tim-louis-company-law-personal-injury-law-firm-vancouver-bc/ When it comes to lawyers, your best chance for the result you want is Tim Louis & Company, Barristers and Solicitors. That’s because Tim’s been representing injured and disabled clients in British Columbia since he completed his articles with renowned legal advocate Harry Rankin back in 1984. If you are looking for a lawyer for long-term disability, contact Tim Louis today. Tim Louis - Veteran Personal Injury and Long-Term Disability Lawyer “My philosophy is simple,” says Tim. “When I’m dealing with injury and long-term disability cases, no matter the cause, I believe victory at trial begins the minute you retain us to help you fight for what is rightfully due to you. We get to know you, your family, your caregivers, and even your doctors, and we build the strongest possible file to ensure the best possible settlement for personal injury or long-term disability. Professional Personal Injury and Long-Term Disability Lawyers in Vancouver “My team works with you and keeps you involved in your file every step of the way. As for me, I make it a high priority to always be accessible to my clients... from the moment I’m retained until the final settlement date. ” Now Offering Wrongful Dismissal Help We are happy to announce that we are now offering legal help for those who feel they have been wrongfully dismissed from their employment. Find out more about how our BC wrongful dismissal legal team can help you.   Our Legal Services include: Personal Injury Long-Term Disability Wrongful Dismissal Wills Variation and Probate Slips and falls due to negligence Motor vehicle accidents These are just some of the areas Tim Louis & Company concentrates on. Our highly-experienced law team has access to some of the best experts in British Columbia when it comes to injury, long-term disability issues, wrongful dismissal, car accidents and more. Best of all, we have the know-how to take the fight to your opponent once you’ve stepped into the ring, so you can come out a winner. Give Tim Louis a call for a free consultation at 604-732-7678.   What Clients Say About Our Injury Lawyer Vancouver Most of our clients come from recommendations from our satisfied clients. The reason is simple enough – our clients know that when it comes to representing their interests, we are unrelenting and fearless. “I want my clients to get everything they rightfully deserve after they’ve suffered a traumatic injury or debilitating long-term disability,” says Tim. “A good accident lawyer fights harder than most lawyers for the simple fact that it’s usually a David and Goliath kind of battle. My legal team is not afraid to mix it up because we know the end result is a better life for our clients and their families. I absolutely guarantee that we will do everything we possibly can to get you the settlement you are entitled to. ”Tim Louis The Reason To Hire A Personal Injury Law Firm Launching an injury or disability lawsuit without highly competent representation is like going into a prizefight with not just one arm tied behind your back, but both arms. Your opponents in these types of cases are going to come at you with everything they’ve got, and they have deep pockets. You definitely need to be able to come out swinging, and that means you need Tim Louis and Company. Contact us today to learn how we can help with your personal injury or long term disability case Give Personal Injury and Long Term Disability Lawyer Tim Louis a call for a free consultation at 604-732-7678. When you are injured in a motor vehicle accident, whether it's your fault or not, you are entitled to no-fault benefits. To access these benefits, you will need to make an insurance claim to ICBC. These benefits are commonly referred to as Part 7 Benefits. When you make a Part 7 Benefits application, you are making an ICBC insurance claim. Part 7 Benefits do not include payment for your pain and suffering. Part 7 Benefits do include all reasonable medical expenses, modest income loss payments of a fixed amount if you are not able to work and homemaker assistance costs. ICBC insurance claims are not limited to Part 7 Benefits if you were not responsible for the accidents. If you were not responsible for the accident, your lawyer would start a lawsuit against the driver who was responsible. The lawsuit will be for much more than just Part 7 Benefits. It will also include a claim for compensation for all of your pain and suffering. Your income loss will not be limited to the fixed amount that is Total Temporary Disability. The lawsuit will not be against ICBC itself. However, since almost all drivers in BC are insured by ICBC, your case will take on the appearance of an ICBC insurance claim which is because an out-of-court settlement will be funded by ICBC. If your case goes to court and the judge rules in your favour, the judgment will be paid by ICBC. We have been taking on ICBC insurance claims successfully for over thirty years. If you would like a no-fee initial consultation, call our office at 604-732-7678.   Personal Injury Lawyer - ICBC Claims Lawyer- Tim Louis & Company Law --- --- ## Posts > Worried a loved one was pressured into changing their Will? Learn how to prove undue influence in BC estate disputes. Get trusted legal guidance from Vancouver estate lawyer Tim Louis. - Published: 2025-06-08 - Modified: 2025-06-08 - URL: https://timlouislaw.com/undue-influence-in-estate-disputes/ - Categories: Estate Lawyer, estate litigation, Estate Services - Tags: challenging a will in BC, Contested Wills, Disinheritance Legal Help, Elder Abuse and Estates, Estate Disputes BC, Estate Lawyer for Blended Families, Estate Litigation Vancouver, Estate Planning Mistakes, Executor Legal Support, Family Conflict Over Will, Inheritance Disputes BC, Legal Guardianship Disputes, Legal Services for Beneficiaries, Probate Conflict Resolution, Tim Louis & Company, undue influence, Vancouver Probate Lawyer, Will Contests British Columbia, Wills and Estates Lawyer, Wills Variation Act Undue Influence in Estate Disputes: What It Looks Like and How to Prove It by Tim Louis Estate disputes are never easy. They often come at a time of grief, confusion, and fractured family dynamics. Emotions run high — especially when someone believes that a loved one’s Will doesn’t reflect their true intentions. One of the most troubling causes behind these disputes is undue influence: when someone manipulates a vulnerable person into changing their Will or estate plan. In British Columbia, this issue is becoming more common as our population ages and more seniors find themselves isolated or dependent on others for care. At Tim Louis & Company, we understand how painful and overwhelming this situation can be. With over 40 years of experience protecting clients and challenging suspicious Wills, our team is here to provide compassionate, strategic legal support when you need it most. If you suspect that undue influence may have played a role in a recent estate change, you're not alone — and you may have legal options. ⭐⭐⭐⭐⭐ “Tim Louis is an outstanding human who happens to be a disability lawyer (among many other pursuits). He supported me through a very stressful time. I felt safe, heard, and protected. ” — Mia, Verified Google Reviewer We hear this question all the time Q: How can you prove undue influence in a BC estate dispute? A: To prove undue influence in BC, you need to show that the Will-maker was pressured to the point that the Will does not reflect their true intentions. Evidence may include sudden changes in the Will, isolation from family, or the involvement of a controlling caregiver. A lawyer can help gather medical records, witness accounts, and legal evidence. What Is Undue Influence? When it comes to estate disputes in British Columbia, undue influence is one of the most emotionally complex — and legally challenging — issues to face. It occurs when a person exerts pressure on a vulnerable individual to change or create a Will in a way that benefits them unfairly. This pressure can be overt or subtle — and in many cases, it’s not easy to spot until it’s too late. Legally, undue influence means that the person making the Will (the “testator”) was not acting freely and voluntarily. Instead, their free will was overpowered by someone they trusted — often a caregiver, adult child, or close family member. It’s important to distinguish undue influence from: Fraud – where someone deliberately deceives the Will-maker; Mistake – where the Will was based on incorrect assumptions; or Lack of capacity – where the Will-maker did not fully understand what they were doing. Undue influence doesn’t always involve threats or obvious manipulation. It can happen quietly, over time. Some common red flags include: The testator becoming increasingly isolated from other loved ones; A sudden change in beneficiaries with no clear explanation; A dependent relationship where one person controls access to food, shelter, finances, or care. At Tim Louis & Company, we believe in protecting the wishes of those who may no longer be able to protect themselves. We stand up for fairness — and we have the experience to recognize undue influence when it happens. "Undue influence often hides in plain sight — behind trust, routine, and dependence. At Tim Louis Law, we believe in exposing injustice and protecting the integrity of every Will. " — Tim Louis, Lawyer & Advocate Case Snapshot: A Vancouver senior revised her Will six months before passing, cutting out her two children and naming her caregiver as sole beneficiary. There were no witnesses to conversations, but her isolation and growing reliance on the caregiver raised concerns. After legal review and witness affidavits, the court found undue influence and reinstated the prior Will — restoring fairness to her estate. Takeaway: If something feels off — document it. Courts in BC take undue influence seriously, especially when supported by medical records, financial timelines, or sudden changes in estate planning. Common Warning Signs of Undue Influence in a Will Undue influence doesn’t always leave obvious fingerprints. But certain red flags often point to coercion — especially when vulnerable individuals are involved. Here are the signs to watch for: Checklist: Undue Influence Red Flags Sudden changes to a Will — especially late in life or after a serious illness Isolation from family and friends — the person becomes harder to reach or communicate with Involvement of a new caregiver or outsider — who wasn’t part of the original estate plan One individual benefiting disproportionately — while others are minimized or removed No legal advice sought — the Will is prepared privately or without professional input Tip from Tim Louis: “When someone’s circumstances change rapidly and you notice emotional or physical dependence on a single person, it’s time to ask careful questions. ” Legal Tests & Proof of Undue Influence in BC Courts In British Columbia, undue influence is a serious legal claim — and the courts apply a clear test to determine whether a Will should be set aside. The Legal Standard (Leung v. Chan, 2023 BCCA) BC courts often rely on the precedent from Leung v. Chan, which affirmed that: “Where a relationship of potential dominance exists, and there are suspicious circumstances, the burden may shift to the person benefiting to disprove undue influence. ” When the Burden Shifts Typically, the person alleging undue influence must prove it. But if there's: A relationship of dependency or trust Significant change in testamentary intent Or sudden benefit to a new party — the burden of proof can shift to the beneficiary to justify the change. Evidence That Can Help Prove Undue Influence: Medical reports showing mental or physical vulnerability Witness statements (family, friends, professionals) Financial records showing sudden control over accounts or access The absence of legal advice during the creation of the Will “Our team knows how to uncover the patterns and paper trails that suggest coercion. You don’t have to do it alone. ” – Tim Louis How to Prove... --- > Struggling with a disability claim for fibromyalgia or chronic pain in BC? Tim Louis & Company explains your rights, the claims process, and how to win Long-Term Disability (LTD) benefits—even if your claim was denied. Get trusted legal advice and proven strategies from Vancouver’s disability law experts. - Published: 2025-06-04 - Modified: 2025-06-08 - URL: https://timlouislaw.com/disability-claim-fibromyalgia-chronic-pain-bc/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer, LTD Appeal How to Win a Disability Claim for Fibromyalgia or Chronic Pain in BC by Tim LouisLiving with fibromyalgia or chronic pain isn’t just exhausting — it can feel invisible. While the symptoms are very real and often debilitating, many individuals face an uphill battle when trying to prove their condition to insurance companies or disability providers. Unlike a broken bone or a visible injury, chronic conditions like fibromyalgia can be misunderstood or minimized, leading to unfair denials and months — even years — of frustration and lost income. It’s a system that too often fails the people who need support the most. At Tim Louis Law, we’ve helped clients across Vancouver and British Columbia stand up to these denials and reclaim their right to long-term disability benefits. We understand what you’re going through — and we’re here to help you be heard, believed, and supported through every step of your claim. We often hear the following question:What should I do if my fibromyalgia disability claim is denied in British Columbia? If your disability claim for fibromyalgia has been denied in BC, don’t lose hope. At Tim Louis Law, we’ve helped many clients with invisible conditions like chronic pain successfully appeal their denials. The key is strong medical documentation, consistent care, and legal support that truly understands your condition. Reach out — we’re here to stand with you. ⭐⭐⭐⭐⭐ Tim and his team really listened to me. I have chronic pain that’s hard to explain, and other lawyers just didn’t get it. But Tim made me feel heard — and he fought hard. I finally got the support I needed after years of feeling dismissed. ”– Melanie C. , LTD Client (2024, Google Review)Understanding Fibromyalgia and Chronic Pain in a Legal ContextFibromyalgia and chronic pain are often misunderstood — not just by insurance companies, but sometimes even by doctors and family members. These conditions can be invisible to the eye, yet deeply disruptive to your daily life. If you're living with widespread pain, fatigue, and cognitive fog, you know how real it is. Unfortunately, because these conditions don’t always show up on medical scans, disability insurers are quick to dismiss them. They may label you as exaggerating or say there’s “insufficient objective evidence. ” This couldn’t be further from the truth. At Tim Louis & Company, we understand the toll that chronic pain takes — not just physically, but emotionally and financially. We’ve stood beside countless clients who’ve been denied the support they rightfully deserve. Our job is to believe you, build a compelling case with the right medical and legal evidence, and fight to overturn unfair denials. Am I Eligible for Disability Benefits in BC? One of the most common questions I hear from clients living with fibromyalgia or chronic pain is, “Do I even qualify for long-term disability benefits? ” The short answer is: Yes — but it depends on how we frame your case. What Do Insurers Look For? Disability insurance providers look at three main things:Diagnosis — You must have a clear medical diagnosis, typically from a family doctor, specialist, or rheumatologist. While there’s no single test for fibromyalgia, a consistent record of symptoms and treatment is essential. Impact on Work — Insurers will ask: Can you still perform the essential duties of your job? That’s where we come in. We help demonstrate, with evidence, how your condition affects concentration, stamina, physical movement, and emotional regulation. Medical Documentation — This is critical. A strong paper trail — with treatment notes, symptom journals, letters from treating professionals, and standardized assessments — can make or break a claim. Employment History & Work CapacityIf you’ve been working consistently, your employment history helps show that you want to work — you’re not avoiding responsibility. But when chronic pain interferes with your ability to perform, your legal right is to access the benefits you’ve paid for. At Tim Louis & Company, we guide you step by step. We don’t just file paperwork — we help build your narrative, backed by medicine, law, and truth. Take the First Step Toward ClarityIf you're unsure whether you qualify for disability benefits due to chronic pain or fibromyalgia, don’t navigate it alone. One phone call can make all the difference. Call us at (604) 732-7678 or book a free consultation today — we’ll help you understand your options and protect your rights with care and compassion. What Our Clients Say⭐⭐⭐⭐⭐“Mr. Tim Louis was on track when he said that appeals for disability tend to be unsuccessful on their own. With a private lawyer like him by my side, the process became manageable and less frightening. He gave me direction and hope. ”— Kimberley Laing, Google Review (2024)Top Reasons LTD Claims Are Denied in BCWhen you're already dealing with constant pain, the last thing you need is a denial letter from your insurer. Unfortunately, we see it all the time — clients who should qualify are denied on technicalities, poor documentation, or misunderstandings of their condition. Here are the most common reasons long-term disability (LTD) claims are denied in British Columbia — and what you can do about them: 1. “Insufficient Medical Evidence”Even if your doctor supports your claim, insurers often say it’s not “objective enough. ”Tip: Detailed notes from specialists, pain journals, and functional capacity evaluations can help. 2. Diagnosis Delays or AmbiguityFibromyalgia and chronic pain are often diagnosed through exclusion, which insurers use as a loophole. Tip: A clear timeline of your symptoms, referrals, and assessments builds credibility. 3. Inconsistent Medical RecordsIf your paperwork contains gaps or inconsistencies (e. g. , saying you’re “doing better” on one visit), insurers may pounce. Tip: Stay consistent. Clarify pain levels honestly at every appointment. 4. Failure to Follow “Treatment Protocols”Some claims are denied because the insurer claims you’re not doing enough to recover — like trying medications, therapy, or rehabilitation. Tip: Follow your doctor’s advice and keep track of everything you've tried, even if it didn’t work. 5. Surveillance or Social MediaYes, they check. If you’re seen doing... --- > Denied long-term disability? Learn how to appeal and win your LTD claim (LTD Appeal) with expert tips from Vancouver lawyer Tim Louis. Free PDF download included. - Published: 2025-05-11 - Modified: 2025-05-11 - URL: https://timlouislaw.com/how-to-maximize-your-ltd-appeal-success-after-a-denial/ - Categories: Disability Claim, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer, LTD Appeal - Tags: Appeal Tips for LTD in Canada, Appealing a Denied Claim, Denied Benefits Help, Denied Disability Claim, Disability Advocacy, Disability Claim Denial, Disability Claim Help BC, Disability Insurance Appeal, How to File an LTD Appeal, Insurance Company Tactics, Invisible Illness Support, long term disability, LTD Appeal Process, LTD Lawyer Vancouver, Protecting Your Legal Rights, Tim Louis Law A denied disability claim isn’t the end. It’s the beginning of your comeback. By Tim LouisIntroductionDenied — But Not Defeated. You did everything right. You filled out the forms. You submitted the medical records. You told the truth. And still, the letter came: Your long-term disability (LTD) claim has been denied. That moment can feel like a wave of frustration, confusion, and even fear — especially when you’re already carrying the weight of a serious health condition. It’s not just a financial setback. It’s personal. It feels like no one is listening. But here’s what we want you to know:A denial is not the end of your claim. In fact, many people across British Columbia go on to successfully appeal their LTD denials — and secure the benefits they’ve earned. It just takes the right approach, the right information, and the right support. Whether your insurance company says your condition isn’t “disabling enough,” or they claim you haven’t provided enough “objective evidence,” we’ve helped people in the exact same situation turn things around. In this guide, you’ll learn:The most common reasons LTD claims are deniedWhat steps to take right away to protect your rightsHow to avoid the biggest appeal mistakesWhy legal support can make all the differenceIf your insurer has said “no,” this is your chance to say: Not yet. Let’s take the next step together — and give your appeal the best possible chance of success. Free Resource: LTD Claim Denial GuideIf your long-term disability (LTD) claim has been denied, don’t navigate the appeal process alone. Our comprehensive PDF guide explains exactly what steps to take next — and how to protect your rights. ⬇ Download the Free PDF Why LTD Claims Get Denied So OftenYou’re Not Alone — And It’s Not Your Fault. One of the most frustrating things about a denied LTD claim is how often it happens — even when people genuinely can’t work due to illness or injury. In fact, studies suggest that as many as 60–70% of long-term disability claims are initially denied by insurers in Canada. That means it’s not just you — this is a widespread issue. And often, it has nothing to do with whether your condition is real. Why? Insurance companies are in the business of making money — not paying it out. The denial process is often driven by policies designed to reduce costs, even when the facts are on your side. Here are some of the most common reasons insurers give for denying LTD claims:“Insufficient medical evidence”(Even when your doctor supports you, they may want more “objective” proof. )“Your condition doesn’t meet the definition of disability”(Especially common for invisible illnesses like chronic fatigue, fibromyalgia, or mental health conditions. )“You can still do some type of work”(Even if you can’t return to your own job, they may say you’re fit for any work. )Missed paperwork or deadlines(Something as simple as an unreturned form can be used as justification. )Surveillance or social media(Photos or activity that’s misinterpreted or taken out of context. )At Tim Louis Law, we’ve seen every one of these tactics — and we know how to respond. The good news is that a denial isn’t final. With the right steps, you may be able to overturn it. In the next section, we’ll walk you through exactly what to do next — and how to start building an appeal that gives you the best chance of success. How to Build a Strong LTD AppealStep by Step — Your Comeback Starts Here. You’ve received a denial letter — and you’re ready to take action. That’s the first and most important step. At Tim Louis Law, we want you to know this: you’re not powerless. There’s a clear, proven process to appealing an LTD denial — and with the right approach, your chances of success go up dramatically. Here’s how to start building an appeal that truly reflects the reality of your situation: Read Your Denial Letter CarefullyIt might be painful to go through, but this document holds key information about why your claim was denied. Look for:The exact reason(s) givenAny deadlines mentionedReferences to policy definitions or medical criteriaWe often find that denial letters are vague, confusing, or based on incomplete information. That’s something we know how to challenge. Gather Additional Medical EvidenceThis is where your appeal starts to take shape. You want to show, as clearly as possible, that your condition prevents you from working. This might include:Updated reports from your doctor or specialistFunctional Capacity Evaluations (FCEs)Mental health assessments or therapy notesA personal impact statement (how your condition affects daily life)If your illness is invisible — like fibromyalgia, chronic fatigue, or depression — this step is especially important. We’ll help you build the evidence insurers can’t ignore. Act Quickly — Deadlines MatterIn most cases, you have strict timelines to file an appeal. In British Columbia, these may vary depending on your policy, but it’s not uncommon to have as little as 90 days from the denial date. Don’t wait. The sooner you act, the more options you’ll have. Get Professional Legal Help EarlyThis step is where many successful appeals begin. When you have an experienced LTD lawyer on your side, everything changes:We handle the communication — no more direct contact with the insurerWe prepare your evidence, properly and persuasivelyWe make sure your case meets every legal and medical requirementWe fight for your full benefits — not just a small settlementAnd most importantly: you don’t have to carry the weight alone anymore. When you’re sick, exhausted, and trying to focus on healing, the appeals process can feel like an impossible burden. But you don’t have to go through it by yourself. Let us help. Let us fight for you — with compassion, with experience, and with everything we’ve learned from 40+ years of standing up to insurance companies. Once your appeal is submitted, the process begins — but it doesn’t mean you’re left in the dark. Here’s what typically happens next, and how our team supports you at every stage.... --- > Wondering if you should challenge a will? Learn when estate litigation is the right move in BC and how lawyer Tim Louis can help protect your rightful inheritance. - Published: 2025-05-11 - Modified: 2025-05-11 - URL: https://timlouislaw.com/estate-litigation-the-right-choice-for-family-dispute/ - Categories: Estate Lawyer, estate litigation, Estate Planning, Estate Services, Wills, Wills & Estate Planning, Wills Variation - Tags: challenging a will in BC, contesting a will, disinherited in BC, estate disputes British Columbia, estate law Vancouver, estate lawyer Tim Louis, estate litigation, executor dispute, family will conflict, inheritance dispute, legal advice for estate disputes, probate lawyer Vancouver, undue influence in wills, WESA BC, will validity BC Why Estate Litigation May Be the Right Choice for Your Family Dispute By Tim Louis Quick Answer: When Should You Pursue Estate Litigation in BC? You should consider estate litigation if you suspect a will was changed under pressure, you've been disinherited without clear explanation, the executor is hiding information, or you're concerned about missing assets. In British Columbia, the Wills, Estates and Succession Act (WESA) protects your rights — and gives the courts power to ensure a will reflects your loved one’s true intentions. Estate disputes can leave families feeling lost and unsure of what’s fair. If you’ve been disinherited, cut off from information, or suspect something isn’t right with a loved one’s will, you may have strong legal options. In British Columbia, the Wills, Estates and Succession Act (WESA) empowers the courts to step in when justice is needed. In this guide, I’ll walk you through when estate litigation makes sense, what signs to watch for, and how to move forward with clarity and confidence — always with your loved one’s true intentions at heart. When Fairness Feels Out of Reach Grief is never simple. But when you’ve lost a loved one and then discovered their will doesn’t reflect what’s fair — or worse, what you know they would have wanted — grief can quickly twist into something else: confusion, resentment, disbelief. Maybe a sibling was too involved in those final weeks. Maybe the will was changed quietly, without explanation. Maybe promises were made — but never put in writing. If you’re here, you’re likely feeling torn: part of you wants to let it go... the other part knows something isn’t right. This isn’t about greed. It’s about integrity — about making sure your loved one’s legacy isn’t rewritten behind closed doors. At Tim Louis Law, we’ve seen these stories unfold more times than we can count. And we’re here to tell you: You’re not alone. And you’re not wrong for asking questions. In this guide, we’ll walk through what estate litigation really means, when it makes sense, and how it might be the exact step your family needs to find both clarity — and closure. Why Disputes Arise After Death Death has a way of uncovering everything that was left unsaid. Old family tensions resurface. Promises that were once whispered across kitchen tables suddenly matter. And when a will seems unfair, unclear, or out of character — people don’t just grieve. They question. In British Columbia, these disputes often begin with more than just money. They begin with confusion, pain, or suspicion: A will that was updated suddenly — and quietly. An elderly parent who may not have understood what they were signing. One sibling receiving far more than the others, with no explanation. Sometimes, it’s not about the contents of the will, but about how it came to be. Did your parent truly understand their decisions? Were they pressured? Was someone influencing them behind closed doors? Other times, people are simply left out — entirely. A spouse, a child, a caregiver — omitted without cause. In these moments, estate litigation isn’t about fighting. It’s about protecting. Protecting a legacy. Protecting fairness. Protecting the intent of someone who is no longer here to speak. And that’s where the law — and the right lawyer — can help bring truth to light. When Litigation Becomes the Right Path No one wants to go to court over a loved one’s estate. But sometimes, it’s the only path to justice. Estate litigation in British Columbia isn’t about revenge — it’s about restoring balance when something feels deeply off. When private conversations and family meetings aren’t enough. When you’ve tried to settle things quietly, but the silence speaks volumes. Here are a few of the moments we see most often: Undue Influence: A will changed under pressure — often by someone in a position of control or trust. Lack of Capacity: A parent with dementia, confusion, or vulnerability signs a will they don’t fully understand. Unexplained Disinheritance: A spouse or child is left out, despite decades of care, connection, or contribution. Executor Misconduct: Someone placed in charge of the estate fails to act fairly — or at all. Last-Minute Will Updates: Major changes appear shortly before death, raising more questions than answers. If any of these sound familiar, know this: You don’t have to handle it alone. Litigation isn’t about tearing your family apart — it’s about standing up when something’s not right and ensuring your loved one’s final wishes were made freely, fairly, and legally. And sometimes, it takes the courtroom to find the truth that’s been buried. What the Litigation Process Looks Like (In Plain English) We get it — “estate litigation” sounds intimidating. Courtrooms. Legal battles. Endless paperwork. But here’s the truth: the process is often simpler — and more human — than most people expect. And with the right lawyer, you’re never walking through it alone. Here’s how it typically unfolds: Step 1: Initial Consultation You meet with a lawyer (like Tim Louis) to review the situation. We’ll listen to your concerns, review the will, and determine if you have a strong legal claim. There’s no cost for this first conversation. Step 2: Investigation & Evidence Gathering We request key documents — wills, medical records, financial records — and begin uncovering what really happened. If we suspect undue influence or incapacity, we dig deeper. Step 3: Filing a Wills Variation or Estate Claim If you have standing (as a spouse, child, or interested party), we file a claim in the BC Supreme Court under the Wills, Estates and Succession Act (WESA). Step 4: Negotiation & Resolution Most estate disputes settle out of court. We’ll advocate firmly for a fair result — through negotiation, mediation, or settlement talks. Step 5: Court (if needed) If the other side won’t cooperate or the facts are in dispute, we’re prepared to represent you in court. Sometimes, shining a light publicly is what it takes. Step 6: Final Distribution Once the dispute... --- > Invisible illnesses like fibromyalgia, chronic fatigue, or depression can make long-term disability claims harder to prove. Learn how Tim Louis helps clients in BC get approved—and what to do if your claim is denied. - Published: 2025-04-12 - Modified: 2025-06-23 - URL: https://timlouislaw.com/ltd-for-invisible-illnesses-in-bc/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: autoimmune disease LTD, chronic fatigue syndrome lawyer, chronic illness claims, denied LTD BC, disability claim tips, disability insurance denial, fibromyalgia LTD, hidden disabilities, invisible disabilities, long covid disability BC, Long-Term Disability BC, LTD for depression BC, LTD Lawyer Vancouver, mental illness disability, Tim Louis disability lawyer, voice search SEO LTD for Invisible Illnesses in BC: What You Need to Know Before You FileLiving with an invisible illness in British Columbia—like fibromyalgia, PTSD, or chronic fatigue—can be overwhelming, especially when your long-term disability (LTD) claim is denied. Many insurers wrongly dismiss these conditions due to a lack of visible proof. But under BC law, your rights matter. Tim Louis, a disability lawyer with 40+ years of experience, helps clients build strong claims with medical evidence, daily journals, and legal strategy. Whether you're filing or appealing an LTD denial, this guide outlines key steps, legal protections, and why working with an experienced advocate can help you win the benefits you deserve. Understanding Invisible Illnesses and Long-Term DisabilityBy Tim LouisNot every disability can be seen—and that’s often where the challenges begin. If you live with a condition like fibromyalgia, depression, chronic fatigue syndrome, or PTSD, you already know how real and life-altering it can be. But because these conditions don’t show up on an X-ray or cast a visible shadow, they’re often misunderstood—not only by the public but, more importantly, by insurance companies. In the world of long-term disability (LTD) claims, these are called “invisible illnesses. ” They can affect every part of your life—your energy, your memory, your ability to concentrate or work—but they often get dismissed as “not serious enough” or “not medically proven. ” That couldn’t be further from the truth. Over the years, I’ve spoken with countless individuals in British Columbia who feel defeated—not only by their illness, but by a system that refuses to recognize it. Many clients come to me after their LTD claim has been denied, often with little explanation beyond a vague statement like “insufficient medical evidence. ”But here’s the reality: invisible illnesses are real—and so is your right to support. With the right legal strategy, you can challenge an unfair denial and get the benefits you’re entitled to. In this blog, I’ll walk you through what you need to know before filing an LTD claim for an invisible illness in BC—including why these claims are denied, how the law protects you, and how to build a strong case that stands up to scrutiny. Why LTD Claims for Invisible Conditions Are Often DeniedIf you've already applied for long-term disability and received a denial letter, you're not alone. In fact, claims involving invisible illnesses are some of the most commonly denied in British Columbia. Why? The truth is, insurers often look for objective, visible proof of disability—things like scans, blood tests, or physical injuries. When your condition doesn’t show up on a lab result, they may question whether you’re “really” disabled. This bias is not only unfair—it’s out of step with modern medical understanding. Common Denial Tactics Used by Insurers: “Lack of objective medical evidence” “Condition not considered disabling under the policy” “Insufficient documentation of functional limitations” “Pre-existing condition exclusion” “You can still work in some capacity”One client I worked with suffered from chronic fatigue syndrome (CFS). She had been employed full-time in a demanding administrative role but could no longer manage even basic tasks due to relentless exhaustion, pain, and cognitive fog. Despite years of medical appointments, testing, and specialist reports, her LTD claim was denied—twice. What turned her case around wasn’t just more medical paperwork. It was a strategic legal approach—demonstrating how her symptoms affected her ability to function in daily life and at work and proving that the insurance company had not followed their own duty to fairly assess her claim. It’s important to understand that insurance providers are not neutral. They are businesses—and denying claims saves them money. That’s why many invisible illness claims are denied not based on merit but based on systemic bias and financial incentive. The good news? You don’t have to accept that denial. With the right legal advocacy and a personalized strategy, you can fight back—and win. What the Law Says in British ColumbiaBritish Columbia law recognizes that disabilities come in many forms—not all of them visible. Whether you're dealing with a chronic pain condition, a psychiatric illness, or a neurological disorder, your long-term disability claim deserves a fair, unbiased evaluation. But fairness isn’t always what happens. That’s where knowing your legal rights—and having a strong advocate—can make all the difference. Your Rights Under Canadian & BC LawIn BC, most long-term disability claims fall under group insurance policies through an employer. These are governed by your insurance contract, but also shaped by broader legal principles: The BC Insurance Act requires insurers to act in good faith. They must assess your claim fairly and reasonably—not simply look for reasons to deny it. The Human Rights Code of British Columbia protects individuals from discrimination based on physical or mental disability, including depression, PTSD, and chronic illnesses. The common law duty of fairness means insurers can’t unreasonably demand proof that doesn’t exist—such as expecting MRI scans for fibromyalgia, which doesn’t show on imaging. In my 40+ years of legal practice, I’ve helped many clients reverse unfair denials by showing how their insurer ignored clear medical evidence or misapplied the terms of the policy. Sometimes, all it takes is a letter from a disability lawyer to change the conversation. Other times, we go to court—and win. If your illness prevents you from doing your job—or any job for which you are reasonably suited—you may qualify for LTD benefits. But proving that isn’t always straightforward, especially with invisible illnesses. That’s why understanding the legal framework is just the first step. The next is knowing how to build your case. How to Build a Strong LTD Claim for an Invisible IllnessFiling a long-term disability claim when you’re dealing with an invisible illness—like fibromyalgia, major depression, PTSD, or chronic fatigue—can feel like fighting an uphill battle. But with the right approach, you can give your claim the strength it needs to succeed. At Tim Louis Law, we believe that what doesn’t show up on a scan still matters. And we know how to help you document it effectively. Key Steps to Strengthen Your... --- > Wondering if you need an estate lawyer in Vancouver? Learn how legal guidance can protect your family, avoid disputes, and honour your final wishes. - Published: 2025-04-10 - Modified: 2025-05-11 - URL: https://timlouislaw.com/do-you-need-an-estate-lawyer-in-vancouver/ - Categories: Estate & Wills Litigation, Estate Lawyer, Wills & Estate Planning - Tags: blended family estate planning, Contest a Will BC, discretionary trusts BC, estate, estate disputes blended families, estate law firm Vancouver, Estate Lawyer Vancouver, estate litigation BC, estate planning tips BC, executor disputes BC, family trusts Canada, how to plan your estate, inheritance fairness BC, inheritance lawyer BC, Inheritance Lawyer Vancouver, legal advice for blended families, legal planning after remarriage, Power of Attorney Vancouver, probate lawyer Vancouver, stepchildren estate rights BC, Tim Louis estate lawyer, trust planning Vancouver, Wills and Estates BC, wills lawyer BC, wills variation act BC Do You Need an Estate Lawyer in Vancouver? Here’s How to Know Wondering if it’s time to speak with an estate lawyer in Vancouver? Whether you’re creating a Will, administering a loved one’s estate, or facing a dispute over inheritance, the right legal advice can protect your family, honour your wishes, and prevent costly mistakes. In this guide, we’ll walk you through when to seek help, how BC law applies, and what to expect from working with a compassionate, experienced estate lawyer like Tim Louis. By Tim Louis Why Estate Law Matters in British Columbia Estate planning may not be top of mind when life is busy, but in British Columbia, the stakes are too high to ignore. Whether you’re writing a Will, managing a loved one’s estate, or navigating a dispute, the decisions you make today can impact your family for generations. BC’s unique legal framework — including the Wills, Estates and Succession Act (WESA) — gives the courts broad power to vary a Will. That means even carefully written estate plans can be challenged, delayed, or overturned without proper legal guidance. For families, this can result in costly court battles, emotional rifts, and years of uncertainty. An experienced estate lawyer helps you make sense of the law, protect your wishes, and guide your family with clarity when it matters most. It’s not just about documents — it’s about peace of mind. What an Estate Lawyer Actually Does in BC Many people assume that an estate lawyer simply helps draft Wills. In reality, their role goes far deeper—especially in a province like British Columbia where estate laws are complex and highly regulated under WESA. Here’s what an estate lawyer can help you with in BC: Drafting and Updating a Will – A legally sound Will ensures your assets are distributed according to your wishes and reduces the risk of family disputes. Creating Power of Attorney and Representation Agreements – These important documents protect you if you become incapacitated and need someone to make decisions on your behalf. Establishing Trusts – Trusts can be used to protect beneficiaries, reduce taxes, and manage complex or blended family situations. Advising Executors and Beneficiaries – If you’re named as an executor, a lawyer helps you meet legal responsibilities like applying for probate, notifying beneficiaries, and distributing assets properly. Handling Estate Disputes – Estate lawyers also represent individuals in litigation, including will variation claims, undue influence allegations, or challenges to capacity. Estate law isn’t one-size-fits-all. In BC, it takes insight and experience to ensure your legacy is protected and your loved ones are taken care of. 5 Signs You Should Hire an Estate Lawyer in Vancouver Not sure if you really need a lawyer? You’re not alone. But in many cases, legal guidance can save your family from future stress, unexpected costs, or even litigation. Here are five signs it’s time to talk to an estate lawyer: You Have a Blended Family If you have children from a previous relationship or stepchildren you wish to include, BC’s estate laws may not honour your intentions without a proper estate plan. You Own Property or a Business Real estate, rental properties, or small businesses add layers of complexity that require careful legal planning to avoid tax issues or probate delays. You Want to Prevent Disputes Wills can be challenged in BC—especially by spouses or children who feel left out. A lawyer helps draft your documents in a way that reduces the risk of future legal battles. You’ve Been Named as Executor Executors carry legal liability. If you’ve been asked to manage an estate, a lawyer can help ensure every step is handled properly and in compliance with the law. You’re Caring for Someone with a Disability or Vulnerability Special trusts, representation agreements, and advanced planning can protect vulnerable beneficiaries without jeopardizing benefits or supports. When the stakes are high, legal advice isn’t just helpful—it’s essential. A short consultation today could save your family from years of uncertainty. Estate Planning vs. Estate Litigation — How Legal Guidance Helps In British Columbia, estate planning and estate litigation might sound like opposite ends of the legal spectrum — one proactive, one reactive. But they’re deeply connected, and both benefit from sound legal advice. Estate Planning is the process of preparing for the future. It involves drafting documents like wills, trusts, and powers of attorney to ensure your wishes are clearly documented and legally enforceable. When done properly, it can: Protect loved ones from confusion or conflict Minimise taxes and probate costs Account for unique family dynamics, including blended families or dependents with special needs Reduce the chance of someone challenging your will under BC’s Wills, Estates and Succession Act (WESA) Estate Litigation happens when something goes wrong. A Will is challenged. An executor is accused of misconduct. A beneficiary believes they’ve been treated unfairly. These disputes are emotionally and financially draining — and all too common in BC’s flexible estate law environment. By working with an experienced estate lawyer early, you dramatically reduce the risk of litigation later. And if a conflict does arise, having trusted legal guidance ensures your rights are protected and the process moves forward efficiently. Real Results – What Clients Say About Tim Louis Estate planning isn’t just about documents — it’s about peace of mind. And when families across Vancouver need trusted legal guidance for wills, probate, or planning for the future, they turn to Tim Louis. Here’s what some of his clients have said: “Tim and his assistants prepared my will with efficiency and empathy. I was very pleased with the service. ” — Dennis H. “I highly recommend Tim Louis and Company. Tim helped me in a number of different situations — primarily wills and estate. Thoughtful, kind, and clear with his advice. ” — Sue S. “I asked Tim to do my will. Great service — thanks so much Tim. Highly recommend. ” — Jean S. “My husband and I had our wills updated by Tim and his very capable staff.... --- > Need to contest a Will in British Columbia? Tim Louis & Company specializes in estate litigation, Wills variation claims, and inheritance disputes in Vancouver. With 40+ years of legal expertise, we help spouses, children, and beneficiaries challenge unfair Wills and secure their rightful inheritance. Act fast—BC law limits claims to 180 days after probate. Contact us today for a confidential consultation: (604) 732-7678. - Published: 2025-03-17 - Modified: 2025-04-26 - URL: https://timlouislaw.com/contest-a-will/ - Categories: Wills, Wills Variation - Tags: BC Supreme Court wills variation, Best estate litigation lawyer Vancouver, Best wills variation lawyer in Vancouver, Can I contest a will in BC?, Can you contest a will in BC, Contest a Will BC, Contesting a Will in British Columbia, Do I need a lawyer to challenge a will in Vancouver?, Estate Lawyer Vancouver, Estate litigation lawyer Vancouver, Estate Litigation Vancouver, Estates and Succession Act (WESA), How do I dispute a will in British Columbia?, How do I prove lack of mental capacity in a BC will contest?, How long do you have to contest a will in BC, How much does it cost to dispute a will in Vancouver?, How to challenge a will in Vancouver, Inheritance Disputes BC, Legal help for contesting a will in BC, Probate dispute Vancouver, Probate disputes in British Columbia, Undue influence in wills BC, Vancouver estate lawyer, Vancouver will dispute lawyer, What happens if you win a wills variation case in BC?, What is undue influence in a will?, Who pays legal fees for contesting a will in BC?, Will dispute lawyer BC, Will Dispute Lawyer Vancouver, Will inheritance disputes Canada, Wills, Wills Variation BC Contest a Will - Wills Variation and Estate Litigation in Vancouver, BC by Tim Louis Introduction Imagine this scenario: A loved one passes away, and amid the heartache and loss, the family gathers to hear the details of the Will. But as the lawyer reads the document, something doesn’t feel right. Perhaps the Will unexpectedly leaves you out, or maybe the estate's assets have been divided in ways that just don't seem fair or justified. Now, your grief is joined by uncertainty, frustration, and maybe even confusion. You find yourself asking, "How do I contest a Will in BC? " Estate disputes are more than just legal matters; they often involve complicated emotions, longstanding family dynamics, and sensitive discussions about fairness, legacy, and respect. At the centre of many of these conflicts is something called Wills Variation—a critical legal provision under British Columbia’s Wills, Estates, and Succession Act (WESA). But what exactly is Wills variation in British Columbia, and how does it impact your rights when facing an unfair or unexpected Will? In this comprehensive guide, we'll clearly explain what Wills Variation is, how it applies to estate litigation in Vancouver, and why understanding your options early can significantly impact the outcome of your claim. Together, we'll navigate the complexities of estate litigation, equipping you with practical knowledge and clarity so that you can confidently protect your rights and honour your loved one's legacy. If you're dealing with a contested Will or estate dispute, remember you're not alone—Tim Louis & Company is here to support you every step of the way. What is a Wills Variation Claim in British Columbia? Consider this situation: You’ve always had a close, loving relationship with your parents. You've looked after them, cared for them in their later years, and genuinely assumed you'd be treated fairly in their Will. But now, faced with its contents, you feel shocked and disheartened. Perhaps you've been disinherited altogether, or your inheritance seems unfairly modest compared to your siblings. It's a situation that leaves many wondering, “What can I do if a Will feels unjust? ” In British Columbia, individuals who find themselves unfairly treated in a Will have a powerful legal option known as a Wills Variation Claim. Under the Wills, Estates and Succession Act (commonly referred to as WESA), a spouse or child who believes they've been inadequately provided for can ask the courts to modify the terms of the Will to reflect what is fair and just, given their unique circumstances. But who exactly can make a claim? Under BC law, spouses—both married and common-law—as well as biological and adopted children, have the right to seek a variation of a Will if they believe the distribution doesn't adequately provide for their reasonable needs. The key term here is “adequate provision,” and what counts as adequate often depends on many personal, financial, and emotional factors, making these claims highly personal and subjective. You might wonder if these claims are common or merely the stuff of dramatic courtroom dramas. Wills Variation claims are surprisingly frequent here in British Columbia. With substantial property values, especially around Vancouver, disputes can quickly escalate into high-stakes conflicts. The BC Supreme Court regularly hears such cases, often involving valuable real estate, family businesses, or complex family dynamics. The reality is this: Estate litigation isn't merely about money—it’s about fairness, respect, and ensuring that a loved one's legacy is honoured fairly. Knowing your rights and understanding your options under the Wills, Estates and Succession Act (WESA) can make all the difference. If you feel you've been unjustly treated in a Will or need expert guidance navigating this complex area of law, Tim Louis & Company is ready to help. With decades of experience resolving estate litigation disputes compassionately yet effectively, we are your trusted legal advocates in Vancouver. Remember, you don't have to face this stressful process alone—contact Tim Louis today, and let us help you secure what's rightfully yours. Common Reasons to Contest a Will in Vancouver When families face the loss of a loved one, it's natural to expect that the distribution of their estate will reflect fairness, clarity, and genuine intentions. Unfortunately, this isn't always the case. Estate disputes in Vancouver frequently arise from a variety of common circumstances, each with their own complexities and emotional impacts. Unfair Distribution or Disinheritance One of the most common reasons for contesting a Will in Vancouver involves perceptions of unfair treatment or outright disinheritance. Imagine a scenario where one sibling, who cared extensively for an aging parent, discovers they have received substantially less than their brothers or sisters—or perhaps nothing at all. The emotional turmoil in these cases can be significant. Under BC’s Wills, Estates, and Succession Act (WESA), spouses and children have legal rights and options to address these concerns. Lack of Mental Capacity of the Will-Maker Another frequent reason behind Will disputes is questioning the mental capacity of the person making the Will. Was your loved one fully capable of understanding their actions and the implications of their decisions at the time they signed the Will? Maybe they were battling a progressive illness such as dementia or Alzheimer’s, or facing challenges that impaired their ability to make informed decisions. In these instances, family members often find themselves wondering: "Was this really what they wanted, or was their judgment compromised? " Undue Influence or Manipulation Sadly, it’s not uncommon for vulnerable seniors or those facing illness to become targets of manipulation or undue influence by relatives, caregivers, or even friends. In cases of undue influence, the question becomes whether the decisions made in the Will truly reflect the wishes of the deceased, or if someone took advantage of their vulnerable position to serve their own interests. In Vancouver, the courts take such allegations seriously, often thoroughly investigating the circumstances surrounding the creation of the Will. Ambiguous or Unclear Will Instructions Ambiguity in a Will is another issue that frequently leads to litigation. Imagine this scenario: the wording of a loved one’s Will is... --- > Duty to Accommodate - BC employers must accommodate employees with disabilities. Learn your legal rights, the duty to accommodate, and when undue hardship applies. Call (604) 732-7678. - Published: 2025-03-16 - Modified: 2025-04-26 - URL: https://timlouislaw.com/duty-to-accommodate-in-vancouver-workplace-disability-rights/ - Categories: Employment, Employment Law, Employment Lawyer - Tags: BC employment law firm, BC Human Rights Code, BC Human Rights Tribunal, disability accommodations at work, disability and employment legal advice, disability lawyer Vancouver, disability workplace policies Canada, does my employer have to accommodate my disability, duty to accommodate, employee rights Vancouver, employer obligations BC, employer refusal to accommodate, employer responsibilities BC, employment law BC, employment law Vancouver, employment lawyer for disability cases, how do I request disability accommodations at work, how to file a human rights complaint BC, how to request workplace accommodations, HR and disability accommodations, human rights lawyer Vancouver, job accommodations for chronic illness, labor law for disabled employees, legal help for workplace disability, legal rights for disabled employees BC, navigating workplace disability claims, reasonable accommodations Canada, undue hardship legal definition, what is the duty to accommodate in BC, what qualifies as undue hardship, workplace accessibility laws, workplace accommodations legal help, workplace disability laws Canada, workplace disability lawyer near me, workplace disability policies, workplace disability rights, workplace discrimination BC, workplace discrimination lawyer BC, workplace human rights violations, workplace legal disputes Canada Employer Obligations in Vancouver: What You Need to Know About Workplace Accommodations by Tim Louis Imagine this: An employee who has worked hard for years suddenly faces a chronic illness or an injury that limits their ability to perform their usual duties. They want to continue working, and they can—with a few reasonable adjustments. But what happens when an employer isn’t sure what their legal obligations are? What if they fear making accommodations will be too costly or disruptive? This is where the duty to accommodate comes into play. For employers in Vancouver, the duty to accommodate isn’t just about being compassionate—it’s a legal requirement under the BC Human Rights Code. The law mandates that employers must take reasonable steps to adjust workplace conditions so that employees with disabilities can continue to work without discrimination. But here’s the catch: This duty isn’t limitless. Employers are only required to accommodate up to the point of "undue hardship"—a legal threshold that considers factors like financial cost, workplace safety, and business operations. Understanding where accommodation ends, and undue hardship begins is critical for both employers and employees. For employees, knowing their rights means they don’t have to suffer in silence. If an employer fails to accommodate, it could be grounds for a human rights complaint or even legal action. For businesses, understanding this duty protects them from legal risks and helps create a more inclusive, productive workplace. At its core, the duty to accommodate is about fairness, balance, and legal compliance. It ensures that employees with disabilities are not unfairly excluded from the workforce, while also recognizing that businesses have practical limitations. So, how do Vancouver employers ensure they’re meeting their obligations? And what exactly qualifies as undue hardship? Let's break it down. Understanding the BC Human Rights Code: Employer Responsibilities for Disability Accommodations The duty to accommodate isn’t just a moral obligation—it’s a legal requirement in British Columbia. Employers have a responsibility to ensure that employees with disabilities can continue working, provided the necessary adjustments don’t create undue hardship. Understanding the legal framework behind this duty is critical for both employers and employees navigating workplace accommodations. Overview of Employer Obligations Under the BC Human Rights Code, employers must take reasonable steps to adjust working conditions, policies, or job duties to accommodate employees with disabilities. This duty applies to all workplaces in British Columbia, regardless of the size of the business or the industry. The goal of accommodation is to level the playing field, ensuring that employees with disabilities are not unfairly disadvantaged. This can include: Adjusting work schedules to allow for medical treatments Providing assistive technology or adaptive equipment Modifying job duties or reassigning tasks Offering remote work options where feasible Employers must assess each situation individually, as what works for one employee may not be suitable for another. Importantly, accommodations should be made collaboratively, with input from the employee, employer, and medical professionals where necessary. Failure to accommodate can lead to human rights complaints, legal action, and reputational damage. The BC Human Rights Tribunal frequently hears cases where employees allege discrimination due to a failure to accommodate, and many of these cases result in significant financial penalties for employers. What Does ‘Undue Hardship’ Mean for Employers in Vancouver? The duty to accommodate is not absolute. Employers are only required to accommodate up to the point of undue hardship. But what does that mean in practice? Undue hardship occurs when the accommodation would cause significant difficulty or expense for the employer. However, the bar for proving undue hardship is high. The BC Human Rights Tribunal requires clear evidence that the accommodation would cause major disruption. The most common factors considered include: Financial cost – If the accommodation requires an excessive financial investment that would harm the viability of the business, it may be considered undue hardship. However, large companies with greater resources are expected to bear higher costs than small businesses. Impact on operations – If an accommodation significantly disrupts essential business functions or results in a major loss of productivity, it may be deemed unreasonable. Health and safety concerns – If an accommodation puts other employees, customers, or the disabled employee themselves at risk, an employer may argue undue hardship. The burden of proof lies with the employer. Simply claiming that an accommodation is inconvenient, costly, or difficult is not enough—there must be clear evidence that the requested changes would create a genuine hardship. Most accommodations do not meet this threshold. In many cases, adjustments are low-cost and manageable, yet some employers resist change simply due to lack of awareness or reluctance to adapt. Understanding the legal limits of undue hardship helps ensure that employees receive the accommodations they are entitled to, while also protecting businesses from unfounded claims. So, what role does medical evidence play in workplace accommodations? And how can employees and employers work together to find reasonable solutions? Let’s take a closer look. The Role of Medical Evidence in Supporting Workplace Accommodations When an employee requests accommodation due to a disability, medical evidence often plays a crucial role in determining what adjustments are reasonable. Employers are not expected to take every request at face value—they have the right to request relevant medical documentation to ensure that accommodations align with legitimate medical needs. However, employees also have the right to privacy and dignity, meaning employers cannot demand unnecessary personal medical details. Why Medical Evidence Matters Medical documentation provides objective validation of an employee’s condition and limitations. It helps employers: Understand the nature and extent of an employee’s disability Identify workplace modifications that may be necessary Ensure accommodations are based on medical necessity rather than preference Reduce the risk of human rights complaints or legal disputes For employees, providing clear and detailed medical documentation can strengthen their accommodation request and prevent delays in the process. What Kind of Medical Documentation Can an Employer Request? Employers cannot demand an employee’s full medical history or diagnosis, but they can request information that is directly related to the accommodation request. This typically includes:... --- > Facing an unfair will or disinheritance? Tim Louis & Company specializes in wills variation and estate litigation in Vancouver. Get expert legal guidance to protect your inheritance and challenge unjust wills. Contact us today! - Published: 2025-02-16 - Modified: 2025-04-26 - URL: https://timlouislaw.com/wills-variation-and-disinheritance-in-british-columbia/ - Categories: disinherited, estate litigation, Estate Planning, Estate Services, Wills, Wills Variation - Tags: BC Wills and Estates, Best Estate Lawyer Vancouver, Contesting a Will BC, Contesting a Will in Canada, Disinheritance Lawyer Vancouver, Estate Dispute Vancouver, Estate Lawyer Near Me, Estate Litigation Lawyer, Estate Planning BC, Inheritance Lawyer Vancouver, Inheritance Rights BC, Legal Challenge to a Will, Legal Help for Disinheritance, Probate Litigation Lawyer, Trust and Estate Disputes, Unfair Will BC, Vancouver Probate Lawyer, Wills and Estates Law, Wills Variation BC, Wills Variation Lawyer Vancouver The Ultimate Guide to Wills Variation and Disinheritance in British ColumbiaBy Tim LouisWhen it comes to planning your estate in British Columbia, understanding the details of Wills variation and disinheritance is critical. In BC, the legal landscape is shaped by the Wills, Estates and Succession Act (WESA)—a law that not only governs how estates are distributed but also provides a pathway for spouses and children to challenge a Will if they feel they have been treated unfairly. Whether you’re a spouse, an adult child who believes you’ve been disinherited, or an estate planner advising families, knowing your rights under these laws is essential for ensuring justice and fairness. This guide is designed specifically for you—individuals and families who need expert, Vancouver-based legal insight. Here, we’ll explain:Who benefits from understanding Wills variation: Spouses, adult children, and estate planners who need to navigate or advise on complex family matters. Why local BC laws matter: BC’s legal framework under WESA offers protections and clear guidelines for handling estate disputes throughout Vancouver and the province. Key DefinitionsLet’s start by clarifying two important terms:Disinheritance: This occurs when a Will-maker intentionally leaves a beneficiary with little or nothing, often against what might be reasonably expected. Disinheritance can lead to disputes if a family member feels that the will does not meet the legal or moral responsibilities the deceased had. Wills Variation: This is the legal process that allows an eligible family member—usually a spouse or child—to challenge a will if it does not provide “adequate, just and equitable” support. Essentially, it gives the courts the power to adjust the distribution of an estate to better meet the needs of those who may have been left out or treated unfairly. As a Vancouver Wills variation lawyer, Tim Louis has seen firsthand how clear guidance on these issues can empower families to seek the justice they deserve. If you’re facing a potential dispute over a will or simply need to know more about your options, contact Tim Louis today for a free consultation. Let’s work together to ensure your rights are upheld and that your estate is managed with the care and fairness it deserves. Understanding Wills Variation in BCNavigating the complexities of estate planning can be stressful, especially when it comes to ensuring that a loved one’s will meets both legal and moral expectations. At the heart of estate litigation in BC is the Wills, Estates and Succession Act (WESA). This provincial statute governs how estates are administered and distributed. One of the most significant features of WESA is Section 60, which empowers the courts to adjust a Will if it does not provide “adequate, just and equitable” support for a spouse or children. In practical terms, if a Will-maker’s distribution leaves a surviving family member feeling neglected or unfairly treated, a Vancouver Wills variation lawyer, like Tim Louis, can help that person seek a court order to modify the Will accordingly. This section of WESA is designed to strike a balance between a testator’s freedom to distribute their estate as they see fit and the legal responsibility to provide for those who have a reasonable expectation of support. Whether you’re dealing with a complex family dispute or need advice on how to structure your estate, understanding Section 60 is crucial for both beneficiaries and estate planners in BC. What Does It Mean to Be Disinherited? When we talk about being disinherited, we’re referring to the situation in estate planning where a family member—often someone who might have reasonably expected to receive a share of an estate—is left out of a will or given only a minimal benefit. This issue is not only a legal matter but also one that can have deep personal and emotional ramifications. Definition & Common ScenariosDisinheritance occurs when a Will-maker intentionally excludes a family member from the distribution of their estate. Here are a few common scenarios that illustrate this concept:Exclusion of Adult Children:It is not uncommon for a Will-maker to leave out an adult child, even though that child might have contributed to or been a part of the family for many years. In some cases, a parent may decide to favour one child over another, leading to unequal treatment among siblings. Unequal Treatment Among Beneficiaries:A Will may provide substantially larger gifts to one beneficiary while giving only a token amount to another, even when both might have a reasonable expectation of support. This type of unequal distribution can spark disputes, especially when the excluded party believes the decision does not reflect the testator’s moral or legal obligations. Exclusion of a Spouse or Partner:Although rare, there are instances where a spouse or long-term partner may be largely or entirely disinherited. When this happens, the affected party may have grounds to challenge the will under British Columbia’s Wills, Estates and Succession Act (WESA). Implications for BeneficiariesFor those who find themselves disinherited, the impact is both legal and emotional:Legal Impact:If you’re disinherited in BC, you may have the right to challenge the Will. This section empowers courts to intervene and adjust the distribution of an estate if it does not make “adequate, just and equitable” provision for the spouse or children. Emotional and Financial Impact:Beyond the legal battle, being disinherited can leave a lasting emotional toll. It often feels like a betrayal, particularly when family expectations and long-standing relationships are at stake. Financially, the consequences can be significant, especially if you were depending on that inheritance for long-term security. Feeling disinherited may lead to stress, uncertainty about the future, and a deep sense of injustice. Eligibility for Wills Variation ClaimsIf you’re wondering whether you have the right to challenge a Will, it’s important to understand who is eligible under British Columbia law. In Vancouver and throughout BC, the legal framework is designed to protect those who have a reasonable expectation of support, even if a loved one’s Will appears to fall short. Who Can Challenge a Will? Under BC’s Wills, Estates and Succession Act (WESA), only certain family members have standing to challenge... --- > Injured in a slip and fall accident? Tim Louis & Company helps Vancouver residents secure compensation for injuries caused by unsafe conditions. Get expert legal advice today! - Published: 2025-02-13 - Modified: 2025-04-26 - URL: https://timlouislaw.com/slip-and-fall-injuries/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Slip and Fall - Tags: Accident Liability Law, BC Slip and Fall Law, Best Slip and Fall Lawyer Vancouver, Injury Claims Against Property Owners, Injury Law Firm Vancouver, Legal Help for Slip and Fall Accidents, Negligence Claims BC, Personal Injury Lawyer BC, Premises Liability Claims, Premises Liability Lawyer, Public Liability Lawyer, Slip and Fall Compensation, Slip and Fall Injury Claims, Slip and Fall Lawyer Vancouver, Slip and Fall Legal Advice, Slip and Fall Settlement BC, Tim Louis Law, Trip and Fall Lawsuit, Unsafe Property Injuries, Vancouver Personal Injury Attorney Fell in Vancouver? Your Ultimate BC Guide to Proving Negligence and Winning Compensation for Slip and Fall Injuriesby Tim LouisHave you recently experienced a slip and fall in Vancouver? If so, you’re not alone—and you deserve to know your rights. In our city, where charming older buildings sit alongside modern developments, the risk of accidents on poorly maintained property is a real concern. This guide is designed to help you understand how to prove negligence and secure the compensation you deserve after a slip and fall injury. Whether you were injured in a local store, on a busy sidewalk, or in any public space, the process of navigating a personal injury claim can feel overwhelming. Vancouver’s diverse urban environment means that conditions can vary greatly, and sometimes hazards are simply overlooked. As someone seeking trusted British Columbia legal services, you need clear, straightforward advice on how to move forward. If you’ve been hurt by a slip and fall incident or suspect that unsafe premises contributed to your injury, remember that you have options. Contact Tim Louis today for a free consultation to explore your claim and secure the compensation you deserve. Understanding Slip and Fall Injuries in VancouverWhat Is a Slip and Fall Injury? A slip and fall injury occurs when you lose your footing on a surface that is not properly maintained. These injuries can vary in severity and may include:Fractures: Broken bones, especially in the wrist, arm, or hip, are common when a fall happens suddenly. Sprains and Strains: Twisting an ankle or overexerting a joint during a fall can result in painful sprains or strains. Head Injuries: Falls can cause concussions or other serious head injuries, which are especially concerning given their potential long-term effects. Other Injuries: Cuts, bruises, or soft tissue injuries can also occur, depending on the nature of the fall. Understanding exactly what constitutes a slip and fall injury is the first step in determining if you have grounds for a personal injury claim. Where Do Slip and Fall Injuries Occur? Slip and fall injuries can happen in many different settings across Vancouver and BC, including:Commercial Spaces: Many incidents occur in stores, restaurants, and shopping centres where spills or unclean floors create hazards. Public Areas: Sidewalks, parks, and transit stations are common locations where uneven surfaces or weather-related conditions (like ice or rain) increase the risk of falls. Private Residences: Even at home, hazards such as loose rugs, wet floors, or cluttered spaces can lead to dangerous falls. By identifying the specific location of your accident, you can better understand the potential liability of the property owner or manager. The Legal Framework for Premises Liability in BCUnderstanding premises liability is crucial for anyone who’s suffered a slip and fall or other injury due to unsafe conditions in British Columbia. Overview of Premises LiabilityPremises liability refers to the legal responsibility of property owners to ensure that their premises are safe for visitors. In BC, this means that whether you’re in a commercial space, a public area, or even a private residence open to the public, the property owner has a duty to maintain the area and warn visitors of potential hazards. If these responsibilities are not met, and you are injured as a result, you may have a valid claim. Property owners must take reasonable steps to prevent injuries by addressing hazards promptly. If they fail to do so, they can be held liable for any injuries that occur. This is why many people search for advice on “injury at a store BC” or look for a “premises liability Vancouver” lawyer when they are hurt. Key Legal Standards in BCIn British Columbia, several legal standards set the stage for premises liability claims:Duty to Maintain:Property owners are required by law to keep their premises in a reasonably safe condition. This includes regular inspections and timely repairs of hazards such as wet floors, uneven surfaces, or poor lighting. Duty to Warn:If a hazard cannot be immediately fixed, property owners must warn visitors of the potential danger. Clear signage or verbal warnings can sometimes help mitigate liability, but if the warnings are inadequate, the owner may still be responsible for any resulting injuries. Reasonable Care:The standard of care expected of property owners is that of a “reasonable person. ” This means that the actions taken (or not taken) must be considered appropriate under the circumstances. Failure to meet this standard can form the basis of a negligence claim. By understanding these legal standards, you can better assess whether your injury was the result of a property owner’s negligence and whether you have grounds to file a claim. The Role of a Vancouver LawyerNavigating the legal complexities of premises liability in BC requires expert guidance. A dedicated Vancouver personal injury lawyer like Tim Louis can help you:Evaluate Your Claim:Determine if the property owner breached their duty to maintain a safe environment or failed to provide proper warnings. Gather and Present Evidence:Assist in collecting photos, witness statements, and maintenance records that can substantiate your claim. Represent Your Interests:Whether through negotiations or court proceedings, a skilled lawyer will work to secure the compensation you deserve for medical expenses, lost wages, and pain and suffering. If you’ve been injured because a property owner in Vancouver didn’t take reasonable care to maintain their premises, you have options. Contact Tim Louis today for a free consultation to discuss your situation and explore how a knowledgeable Vancouver lawyer can help protect your rights under BC personal injury law. By understanding the legal framework for premises liability in British Columbia and knowing what evidence you need, you’re one step closer to achieving a fair resolution. Don’t wait—reach out to get the help you deserve. Common Causes of Slip and Fall InjuriesEnvironmental HazardsMany slip and fall injuries are the result of hazards that could have been prevented. Here are some typical environmental issues:Wet Floors:Whether from a spilled drink in a store or rainwater that hasn’t been promptly cleaned up, wet floors are a leading cause of falls.... --- > Protect your future with a Power of Attorney in Vancouver. Discover why every resident should have one and how Tim Louis Law simplifies the process. Learn how we safeguard your assets, ensure financial security, and provide peace of mind. Call now for expert guidance! - Published: 2025-01-17 - Modified: 2025-01-17 - URL: https://timlouislaw.com/why-every-vancouver-resident-should-have-a-power-of-attorney/ - Categories: Estate Planning, Estate Services, Power of Attorney - Tags: enduring Power of Attorney, estate planning tips, estate planning Vancouver, financial security, incapacity planning, incapacity protection, legal documents for incapacity, legal guidance Vancouver, legal services BC, planning for the future, Power of Attorney, Power of Attorney benefits, Power of Attorney British Columbia, Power of Attorney process, Power of Attorney Vancouver, Tim Louis Law, trusted legal advice, Vancouver estate law, Vancouver Lawyer, Vancouver legal services Why Every Vancouver Resident Should Have a Power of Attorney: Key Benefits and Steps By Tim Louis Planning for the unexpected is essential for your peace of mind. Whether you're ensuring your work continues to grow during unforeseen circumstances or safeguarding your family's financial well-being, a Power of Attorney (POA) is a cornerstone of planning. This vital legal tool ensures that your financial and legal affairs are managed smoothly, no matter what the future holds. At its core, a Power of Attorney grants a trusted individual the authority to act on your behalf. For residents of Vancouver and British Columbia, this is especially important given the unique legal frameworks and processes in the province. Without a valid POA, your loved ones may face costly delays, court interventions, and unnecessary stress when trying to manage your affairs during incapacity. From seniors and retirees planning for their golden years to small business owners seeking business continuity, a well-crafted Power of Attorney is an invaluable asset. It provides clarity, control, and peace of mind for you and those you care about most. Don't leave your future to chance. Learn how a well-drafted Power of Attorney can safeguard your interests and provide peace of mind. Contact Tim Louis Law today to take the first step. What Is a Power of Attorney? A Power of Attorney (POA) is a legal document that grants a trusted individual, referred to as an "attorney," the authority to manage your financial and legal affairs on your behalf. This arrangement is especially crucial for situations where you may be unable to make decisions due to illness, injury, or unforeseen circumstances. It’s an essential tool for protecting your assets and ensuring your wishes are carried out. How It Works In British Columbia, a Power of Attorney functions as a safeguard for your financial and legal affairs. The appointed attorney can perform a wide range of duties, including: Paying bills and managing banking transactions. Handling real estate or investment transactions. Filing taxes and managing other financial obligations. It’s important to note that in BC, a POA does not cover health or personal care decisions. These matters are addressed through a separate legal document called a Representation Agreement. Why It Matters in BC Without a valid POA, if you become incapacitated, your loved ones may have to apply for committeeship through the BC Supreme Court. Committeeship is a complex, time-consuming, and expensive legal process that could delay critical decisions about your finances and assets. A properly drafted POA eliminates these risks, ensuring your financial matters are managed seamlessly, without unnecessary delays or added costs. For residents of Vancouver and BC, where real estate and financial assets are valuable, having a POA in place is a crucial step in responsible planning. A Power of Attorney is more than just a legal document; it’s a tool for peace of mind. By appointing someone you trust to act on your behalf, you protect yourself and your loved ones from unnecessary stress and financial uncertainty. Need legal assistance for creating a Power of Attorney in Vancouver? Contact Tim Louis Law today to ensure your financial and legal affairs are in safe hands. Why Every Vancouver Resident Should Have a Power of Attorney: Key Benefits and Steps Why You Need a Power of Attorney Imagine facing an unexpected health challenge or being unable to manage your financial responsibilities due to incapacity. Who will ensure your bills are paid, your investments are protected, and your loved ones are supported? For Vancouver residents, a Power of Attorney (POA) is the answer to these crucial concerns. An Enduring Power of Attorney (EPOA) provides a seamless solution by granting authority to a trusted individual to manage your financial and legal affairs. Beyond its practical advantages, it offers peace of mind knowing your interests are safeguarded and that your loved ones won’t face costly, stressful legal processes like committeeship applications. Key Benefits of a Power of Attorney Financial Protection: Ensures essential financial responsibilities—like managing taxes, investments, and property—are handled even during incapacity. Avoid Legal Costs: Saves time and money by eliminating the need for court interventions like committeeship, which can be both expensive and emotionally taxing. Peace of Mind: Knowing your affairs are in trusted hands allows you and your loved ones to focus on what truly matters. Tailored Solutions: Customizable to your unique needs, whether it's supporting dependents, managing a business, or overseeing specific financial transactions. Steps to Create a Power of Attorney in BC Creating a Power of Attorney doesn’t need to be overwhelming. With professional guidance, you can ensure it’s legally sound and fits your unique needs. Assess Your Needs: Decide what type of POA best suits your circumstances—Enduring, Springing, or Limited. Consider whether you need comprehensive or situational authority. Choose the Right Attorney: Select someone you trust implicitly, who understands your values, and who can make informed decisions. Work with a Lawyer: Collaborate with an experienced lawyer, like Tim Louis, to draft a customized POA that complies with British Columbia’s legal standards. Review and Update: Life changes—so should your POA. Regularly revisit the document to ensure it reflects your current needs and priorities. Types of Power of Attorney in BC When it comes to protecting your financial and legal interests, it’s important to choose the right type of Power of Attorney (POA) for your needs. In British Columbia, there are several types of POAs, each designed to address specific circumstances. Understanding these options ensures you can plan effectively and make informed decisions. Enduring Power of Attorney (EPOA) An Enduring Power of Attorney (EPOA) is one of the most powerful and commonly used forms of POA in BC. It allows your chosen attorney to manage your financial and legal affairs even if you become incapacitated. This makes it a cornerstone of long-term incapacity planning. The EPOA ensures continuity, allowing your attorney to handle tasks like managing investments, paying bills, and overseeing property transactions without interruption. Imagine a retiree in Vancouver who owns multiple rental properties. By appointing an EPOA, they... --- > Learn the top reasons critical illness insurance claims are denied in BC, including misrepresentation, policy exclusions, and missed deadlines. Discover how to challenge denials effectively with expert legal guidance from Tim Louis Law. Don’t leave your claim unresolved—take action today! - Published: 2025-01-17 - Modified: 2025-04-26 - URL: https://timlouislaw.com/top-reasons-for-critical-illness-insurance-denials-in-bc/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: appeal insurance claim BC, BC critical illness claims, BC insurance disputes, challenging insurance denials, claim appeal process, critical illness claim denial, Critical illness insurance, critical illness insurance lawyer, critical illness policy, denied critical illness benefits, denied insurance claim, insurance claims BC, insurance denial BC, insurance denial lawyer, insurance lawyer BC, legal advice critical illness, misrepresentation insurance denial, policy exclusions, protecting your insurance rights, Tim Louis Law Top Reasons for Critical Illness Insurance Denials in BC—and How to Overcome Them By Tim Louis Denied a Critical Illness Insurance Claim? Here’s How to Fight Back You trusted your critical illness insurance to protect you during your darkest moments. It was meant to provide peace of mind and financial stability if the unthinkable happened. But now your claim has been denied, leaving you overwhelmed by frustration, confusion, and the looming uncertainty of what comes next. You’re not alone. Thousands of Canadians face similar challenges every year, and while a denial can feel like the end of the road, it doesn’t have to be. There are steps you can take to fight back—and win. The Importance of Critical Illness Insurance Critical illness insurance is a lifeline for policyholders and their families, offering a financial safety net during some of life’s most challenging times. A lump-sum payment from your policy can help cover medical bills, lost income, caregiving expenses, and more. It’s designed to ease the financial strain so you can focus on what matters most—your recovery. Unfortunately, claim denials can leave policyholders feeling abandoned by the very coverage they relied on. The emotional toll, combined with the financial stress, can be immense. But it’s important to remember that denials aren’t always final. Legal recourse is available, and with the right approach, you can navigate the system to secure the benefits you deserve. Common Reasons for Critical Illness Insurance Denials A denial of your critical illness insurance claim can feel like a devastating blow. While these policies are designed to provide financial stability during some of life’s most challenging moments, insurers often reject claims for various reasons. Understanding why claims are denied can help you prepare a stronger case and fight back effectively. Misrepresentation During the Application Process Insurers scrutinize every detail of your application, and any inaccuracies—whether intentional or not—can lead to a denial. Common Issues: Failing to disclose pre-existing conditions. Errors or omissions in your medical history. Insufficient Medical Documentation Insurance companies require detailed and specific medical evidence to approve claims. If your documentation is incomplete or your diagnosis doesn’t meet the exact policy-defined criteria, your claim may be denied. What You Need: Specialist reports (e. g. , oncologist, cardiologist). Diagnostic test results and supporting medical records. Tip: Always confirm your diagnosis with a specialist listed in your policy to avoid unnecessary delays or rejections. Exclusions and Limitations Every policy has exclusions and limitations, which can vary significantly. Some illnesses may be too narrowly defined, or there may be clauses excluding certain conditions altogether. Common Scenarios: A cancer diagnosis may be denied if the specific type isn’t covered. Policies may exclude illnesses linked to pre-existing conditions. Missed Deadlines or Survival Period Non-Compliance Critical illness policies often include a “survival period,” requiring you to live a certain number of days (e. g. , 30 days) after your diagnosis to qualify for benefits. Missing this timeline or other filing deadlines can result in a denied claim. Key Survival Periods: Typically ranges from 30 to 90 days, depending on the policy. Applies even after the diagnosis is confirmed. Tip: Start the claim process as soon as you’re diagnosed to avoid missing critical deadlines. Why Understanding Denials Matters Insurance companies count on policyholders to feel defeated after a denial. However, understanding the reasons behind these rejections empowers you to challenge them effectively. Whether it’s an incomplete diagnosis, missing documents, or unclear policy language, many denials can be overturned with the right approach. If your critical illness insurance claim has been denied, don’t face the battle alone. Contact Tim Louis Law, a trusted critical illness insurance denial lawyer in Vancouver, for expert advice and support. With decades of experience, we’ll help you navigate the complexities and fight for what you’re entitled to. Step-by-Step Guide to Filing and Appealing a Denied Claim Navigating a denied critical illness insurance claim can feel overwhelming, but taking the right steps can make all the difference. Whether you’re filing your initial claim or appealing a denial, this guide will walk you through the process to maximize your chances of success. Understand the Denial Before you take any action, carefully review the denial letter sent by your insurance company. What to Look For: The specific reasons your claim was denied. Any missing or insufficient documentation. Policy exclusions or technicalities the insurer is citing. Why It’s Important: Understanding the root cause of the denial will guide your next steps and help you address the insurer’s concerns effectively. Gather and Strengthen Documentation Your documentation is the backbone of your claim or appeal. Insurers often deny claims due to incomplete or insufficient evidence. What You’ll Need: Specialist reports (e. g. , oncologist, cardiologist). Diagnostic test results. Detailed medical records, including hospital visits and treatment plans. Pro Tip: Consider seeking a second opinion from a specialist to validate your diagnosis and add credibility to your claim. Write a Strong Appeal Letter Your appeal letter is your chance to present a compelling case to your insurer. Key Elements of a Strong Appeal Letter: A clear explanation of why the denial is incorrect or unfair. Detailed responses to each reason cited in the denial letter. All relevant supporting documents attached. Pro Tip: Keep your tone professional and focus on facts rather than emotions. Highlight how your evidence directly addresses the insurer’s concerns. Consult a Lawyer If you’re unsure about the claims process or your appeal isn’t gaining traction, it’s time to involve a lawyer, like Tim Louis. Why Work with a Lawyer: They can interpret complex policy language and identify errors in the insurer’s decision. Lawyers manage communications with the insurance company, saving you time and stress. They ensure your appeal complies with British Columbia’s legal frameworks and deadlines. Critical Illness Claim Checklist To simplify the process, download our “Critical Illness Claim Checklist” to ensure you have all the necessary documentation and steps organized. If you’re struggling with a denied claim or need guidance to file an appeal, Tim Louis Law is here to help. With... --- > Struggling with a traumatic brain injury (TBI) and long-term disability claim in British Columbia? Discover how Tim Louis Law can help you secure the benefits you deserve with expert legal guidance. Free consultations available. - Published: 2024-12-15 - Modified: 2025-04-27 - URL: https://timlouislaw.com/understanding-traumatic-brain-injury-and-long-term-disability-claims-in-british-columbia/ - Categories: Disability Claim, Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: Brain Injury Legal Support, British Columbia Disability Lawyer, Cognitive Impairment Claims, Disability Claim Denials, How to File a TBI Claim, Insurance Claim Appeals, Legal Help for TBI, long term disability claims, LTD Lawyer Vancouver, Post-Concussion Syndrome, TBI Disability Claims BC, TBI Lawyer Vancouver, TBI Symptoms and Benefits, Tim Louis Law, Traumatic Brain Injury Understanding the Impact of Traumatic Brain Injuries: Why Legal Support Matters by Tim Louis A traumatic brain injury (TBI) can change your life in an instant. While some effects are visible, such as difficulty with mobility or speech, many TBIs leave behind invisible scars—cognitive impairments, memory loss, or emotional changes—that disrupt daily life and the ability to work. For those living in British Columbia, navigating the complexities of a TBI while dealing with financial uncertainty adds another layer of stress. This is where long-term disability (LTD) benefits come into play. Securing these benefits helps to ensure financial stability during recovery. However, the process can be complex, with insurers often questioning the legitimacy of TBI-related claims, especially when symptoms are subjective or difficult to prove. With over 40 years of experience, Tim Louis has been a steadfast advocate for clients facing life-changing injuries. His deep understanding of TBI-related LTD claims in British Columbia has helped people secure the benefits they need to focus on their recovery. If you’re feeling overwhelmed by the legal process, Tim Louis is here to provide the expert guidance and compassionate support you deserve. Take the first step today. Contact Tim Louis for a free consultation and let his experience work for you. Key Takeaways Importance of Legal Support for TBI Claims: Traumatic brain injuries (TBIs) often involve invisible symptoms, such as cognitive impairments and emotional changes, making long-term disability (LTD) claims complex. Legal guidance from an experienced lawyer like Tim Louis can help navigate these complexities and secure necessary benefits. Qualifying Conditions for TBI-Related LTD Benefits: Conditions like post-concussion syndrome, cognitive impairments, and severe trauma affecting motor or speech functions are commonly covered. Comprehensive medical documentation, including neurologist evaluations and diagnostic tests, is essential to prove eligibility. Challenges in Securing LTD Benefits: TBI-related LTD claims face hurdles like insufficient medical evidence, missed deadlines, and disputes over the severity or cause of symptoms. Understanding these challenges is key to building a strong case. Tim Louis’ Expertise in Appeals: With over 40 years of experience, Tim Louis specializes in appealing denied LTD claims. He helps clients compile additional evidence, develop clear legal strategies, and navigate complex insurance processes to secure deserved benefits. Steps to Strengthen a TBI Disability Claim: Filing a successful LTD claim requires timely submission, detailed medical records, and ongoing symptom documentation. Consulting a TBI lawyer early in the process ensures that claims meet legal requirements and address insurer concerns effectively. What Qualifies as a Traumatic Brain Injury for Long-Term Disability Benefits? Traumatic brain injuries (TBIs) vary widely in their severity and impact, yet they all share one common thread: they can disrupt daily life and the ability to work. Understanding whether your injury qualifies for long-term disability (LTD) benefits in British Columbia begins with recognizing the different types of TBIs and how they are assessed. Types of TBIs Mild TBIs (Concussions): Often caused by a blow or jolt to the head, mild TBIs may result in headaches, dizziness, or short-term memory loss. While recovery is possible, persistent symptoms can lead to a diagnosis of post-concussion syndrome (PCS), a condition that frequently qualifies for LTD benefits. Moderate TBIs: These injuries involve more significant cognitive impairments, such as difficulty concentrating or processing information, and may require extended treatment or rehabilitation. Severe TBIs: Severe brain trauma can result in long-term or permanent disability, including loss of motor function, speech difficulties, and profound cognitive challenges. Victims often require lifelong care and significant lifestyle adjustments. Common Conditions That Qualify for Long-Term Disability In British Columbia, LTD benefits typically cover a range of TBI-related conditions, including: Post-Concussion Syndrome (PCS): Persistent symptoms following a concussion, such as chronic headaches, sensitivity to light, and cognitive fog. Cognitive Impairments: Difficulties with memory, problem-solving, or concentration that hinder daily functioning and workplace performance. Emotional and Behavioural Changes: Issues such as anxiety, depression, or mood swings resulting from the brain injury. Legal Framework in BC British Columbia’s legal standards for LTD claims are governed by detailed medical criteria and insurance policy provisions. It’s crucial to demonstrate that your condition significantly impacts your ability to work or perform daily activities. Comprehensive medical documentation—including neurologist reports, diagnostic tests (e. g. , MRIs or CT scans), and functional assessments—plays a key role in establishing eligibility. Navigating the legal and medical complexities of a TBI-related LTD claim can be overwhelming. With over 40 years of experience, Tim Louis provides personalized, compassionate legal representation to help clients secure the benefits they need. His in-depth understanding of British Columbia’s legal framework ensures every claim is handled with expertise and care. If you’re uncertain whether your TBI qualifies for LTD benefits, contact Tim Louis today for trusted legal guidance. The Challenges of TBI-Related Long-Term Disability Claims Traumatic brain injuries (TBIs) present unique challenges when it comes to securing long-term disability (LTD) benefits in British Columbia. Unlike physical injuries, which are often visible and straightforward to document, TBIs frequently involve invisible symptoms that can be difficult to quantify. Understanding these challenges is critical to building a strong LTD claim. Facing a denial for your long-term disability (LTD) claim after a traumatic brain injury (TBI) can be disheartening, especially when you are already dealing with the physical, emotional, and financial challenges of your condition. However, understanding the common reasons for denials can help you avoid pitfalls and build a stronger case. Here are some of the most frequent issues that lead to denied claims and how Tim Louis can assist in turning things around. Insufficient Medical Documentation One of the most common reasons for claim denials is a lack of comprehensive medical evidence. Insurers may argue that: Your diagnostic tests (e. g. , MRIs, CT scans) do not conclusively prove the severity of your TBI. Reports from specialists like neurologists or psychologists are missing or lack sufficient detail. Your documented symptoms do not align with the injury's expected impact. Missed Deadlines for Filing Claims Strict deadlines govern LTD claim submissions, and missing these can result in an automatic denial. Whether it's the initial filing or... --- - Published: 2024-12-13 - Modified: 2025-04-26 - URL: https://timlouislaw.com/estate-administration-in-british-columbia-a-step-by-step-guide-for-executors/ - Categories: estate litigation, Estate Planning, Estate Services, Wills, Wills Variation - Tags: BC Estate Law, British Columbia Probate, Distributing an Estate in Canada, Estate Administration BC, Estate Administration Process, Estate Administration Without a Will in BC, Estate Executor Help BC, Estate Lawyer Vancouver, Estate Planning British Columbia, Executor Duties Canada, Executor Guide to Probate in British Columbia, Executor Legal Obligations, Executor Responsibilities in BC, Final Accounting for Estate Administration, Finalizing an Estate in BC, How to Administer an Estate in BC, Legal Closure of Estates, Legal Steps for Executors in Canada, Managing a Deceased Estate, Probate Administration BC, Probate Checklist BC, Probate in British Columbia., Probate Process British Columbia, Step-by-Step Guide for Executors, Wills and Estates BC Estate Administration in British ColumbiaEstate administration can be a complex and often emotional process. As an executor or family member, understanding the legal and financial obligations involved in finalizing an estate is crucial to ensure a smooth process and avoid unnecessary challenges. This guide offers a step-by-step walkthrough of estate administration in British Columbia, highlighting the key responsibilities of executors, common pitfalls, and the critical role of legal support. 5 Key Takeaways from Estate Administration in BCEstate Administration and Probate Are Distinct but InterconnectedEstate administration encompasses managing the entire estate, including gathering assets, settling debts, and distributing property. Probate is the legal validation of a Will, granting the executor authority to act. In the absence of a Will, letters of administration serve a similar purpose. Finalizing an Estate Requires Meeting Legal and Financial ObligationsExecutors must resolve all debts, taxes, and liabilities before distributing assets. The process includes obtaining a clearance certificate from the Canada Revenue Agency (CRA) to confirm all taxes are paid. Digital Assets Are an Increasingly Important ConsiderationExecutors must account for digital assets such as cryptocurrency, online accounts, and intellectual property. Proper inventory and management of these assets can prevent losses or legal complications. Common Pitfalls Can Be Avoided with Careful PlanningMiscommunication with beneficiaries, incomplete asset inventories, and delays in probate applications are frequent challenges. Working with an experienced estate lawyer can help avoid these issues and ensure compliance with the Wills, Estates, and Succession Act (WESA). Expert Legal Guidance Streamlines the ProcessNavigating the complexities of estate administration can be overwhelming for executors. An experienced lawyer provides clarity, reduces delays, and ensures all obligations are met, protecting executors from potential liability. Why Finalizing an Estate Can Feel Overwhelming—And How to Navigate ItLosing a loved one is one of life’s most emotional and challenging moments. For many, the weight of grief is compounded by the complex legal and administrative tasks involved in finalizing their estate. Whether you’re an executor, beneficiary, or family member, the complex processes of estate administration can quickly become overwhelming, particularly when there are disputes. But here’s the good news: with the right guidance, you can navigate this process smoothly, avoid costly mistakes, and ensure your loved one’s wishes are honored. Demystifying the Legal Framework of Finalizing an EstateIn Canada, you may hear the phrase "closing an estate," but this isn’t a formal legal term. Instead, the process is better understood as estate administration or probate administration. The final stage of this journey is often referred to as finalizing the estate or distributing the estate—a culmination of many responsibilities. Here’s what each stage entails:Estate AdministrationThis is the process of managing the deceased’s estate. It involves gathering assets, paying debts, and distributing what remains to beneficiaries. Whether the deceased left a Will (testate) or passed without one (intestate), this process applies universally. Probate AdministrationIf the deceased left a Will, the executor must apply for a grant of probate, giving them the legal authority to manage the estate. If no Will exists, the process may require applying for letters of administration to appoint someone to handle these responsibilities. Finalizing the estate is a crucial part of this legal process. Final Accounting and DistributionExecutors or administrators must provide a final accounting—a detailed report of all transactions made during estate administration. This report is shared with beneficiaries and, in some cases, submitted to the court. Once all debts, taxes, and liabilities are settled, and the court (if required) approves the final accounting, the remaining assets can be distributed to beneficiaries. This marks the legal "closure" of the estate. Certificate of Full AdministrationIn some cases, the court may issue a Certificate of Full Administration (or a similar document), confirming that the estate has been fully managed and legally closed. Why You Shouldn’t Navigate This AloneWhile it may seem straightforward at first, estate administration is full of potential complexities. The legal requirements vary significantly across provinces, and even small missteps can lead to costly delays or disputes. For example:Overlooking an asset or liability could create unforeseen financial complications. Miscommunication with beneficiaries can lead to misunderstandings or even legal challenges. Failing to meet specific legal requirements can expose executors to personal liability. With an experienced estate lawyer like Tim Louis by your side, these challenges become manageable. Tim brings over 40 years of expertise to guide you through every stage of estate administration, ensuring the process is handled with clarity, precision, and compassion. Let Tim Louis help you navigate the complexities of finalizing an estate, so you can focus on what truly matters—honoring your loved one’s legacy. Why Proper Estate Distribution is EssentialFinalizing an estate in British Columbia requires navigating a complex legal landscape. Executors must meet strict requirements, including:Settling Debts and Taxes: Ensuring all liabilities, such as outstanding debts and taxes, are paid in full before distributing assets. Complying with the Law: Distributing assets in accordance with the Will or provincial intestacy laws if no will exists. Managing Conflicts: Addressing disputes among beneficiaries or creditors, which can complicate the process further. Failure to meet these obligations can lead to delays, disputes, or even personal liability for the executor. Common challenges include ensuring accurate legal documentation, proper asset valuation, and effective conflict resolution. How Tim Louis Can Guide YouWith over 40 years of experience in probate and estate administration, Tim Louis has helped countless clients finalize estates with clarity and confidence. His compassionate and detail-oriented approach ensures that every legal requirement is met, so you can focus on healing during a difficult time. Whether you’re an executor, beneficiary, or family member, Tim Louis can provide the expert guidance you need to navigate estate administration seamlessly. Contact Tim Louis today for personalized legal support and a free consultation: (604) 732-7678 timlouis@timlouislaw. com What Does "Finalizing an Estate" Mean? When someone passes away, their estate—which includes all their assets, debts, and personal possessions—must be managed and distributed according to their Will or, if there is no Will, under British Columbia’s intestacy laws. This process is often referred to as "estate administration" or "probate administration. "... --- > Discover expert legal guidance for brain injury claims in British Columbia. Tim Louis & Company specializes in securing the compensation you deserve. From navigating complex insurance policies to representing your case with care and precision, we’re here to support you every step of the way. Contact us for a free consultation today! - Published: 2024-11-16 - Modified: 2025-06-05 - URL: https://timlouislaw.com/legal-guidance-for-brain-injury-claims-in-british-columbia/ - Categories: Brain Injury, Disability Claim, disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: brain injury attorney Vancouver, brain injury claims, brain injury claims British Columbia, brain injury compensation, brain injury insurance claims, brain injury law firm, brain injury lawsuit support, brain injury lawyer BC, brain injury legal help, brain injury settlements, head injury claims, legal guidance for brain injuries, personal injury lawyer vancouver, traumatic brain injury claims, Vancouver brain injury claims By Tim Louis Understanding Brain Injuries and Their Legal Implications Brain injuries, ranging from mild concussions to severe traumatic brain injuries (TBI), are among the most complex and life-altering injuries one can endure. These injuries often extend beyond physical pain, impacting cognitive function, emotional well-being, and the ability to perform everyday tasks. For many people, this can make returning to work difficult, if not impossible. In British Columbia, long-term disability claims play a critical role in providing financial support to those who can no longer work due to a brain injury. However, navigating the claims process can be difficult. Insurance companies often require substantial medical evidence and may challenge the legitimacy of symptoms that are not easily visible, such as headaches, memory issues, or mood changes. At Tim Louis Law, we understand the unique challenges faced by brain injury victims. With decades of experience in advocating for clients across Vancouver and BC, our team is dedicated to securing the benefits and compensation you deserve. Whether you’re dealing with a workplace injury, an accident, or a medical condition leading to TBI, we’re here to guide you through every step of the legal process. Key Takeaways Understanding the Complexity of Brain Injuries Brain injuries range from mild concussions to severe traumatic brain injuries (TBIs), affecting cognitive function, emotional well-being, and daily activities. They often require extensive medical documentation for long-term disability claims. Qualifying Brain Injuries for Legal Claims Various types of brain injuries, including mild concussions, moderate TBIs, and severe brain trauma, may qualify for disability claims if they significantly impact daily functioning and the ability to work. Challenges in Pursuing Brain Injury Claims Proving invisible symptoms like memory loss and mood changes is a significant hurdle. Insurers may question the legitimacy of claims, making timely and comprehensive medical documentation essential. The Importance of Legal Guidance Tim Louis Law, with over 40 years of experience, provides expert assistance in navigating complex brain injury claims. The firm supports clients by gathering necessary evidence and advocating for fair compensation. Maximizing Compensation Through Expert Representation An experienced brain injury lawyer ensures that all aspects of the injury—medical costs, lost income, and long-term care—are accounted for, helping victims secure the compensation they deserve. What Qualifies as a Brain Injury for Legal Claims? Brain injuries come in various forms, each with unique challenges and implications. From mild concussions that may cause temporary cognitive disruptions to severe traumatic brain injuries (TBI) that result in long-term or permanent disabilities, these injuries can significantly alter a person’s quality of life. In legal terms, a brain injury claim often hinges on the severity of the injury and its impact on your ability to function. Here’s a closer look at the types of brain injuries: Mild Concussions: Typically caused by a sudden blow or jolt to the head, concussions may result in headaches, dizziness, and memory issues. While often considered minor, recurring or improperly treated concussions can lead to serious complications. Moderate TBIs: These injuries involve more noticeable cognitive impairments, such as difficulty concentrating, processing information, or managing emotions. Moderate TBIs may require ongoing medical treatment and rehabilitation. Severe Brain Trauma: Severe TBIs can lead to profound, life-altering effects, including loss of motor function, speech difficulties, and permanent cognitive decline. Victims often require lifelong care and significant lifestyle adjustments. Eligibility for Filing Brain Injury Disability Claims To qualify for a brain injury disability claim in British Columbia, you must demonstrate that your condition significantly impacts your ability to work or perform daily tasks. This requires comprehensive medical documentation, including diagnostic tests (e. g. , MRIs, CT scans) and detailed reports from healthcare providers. At Tim Louis Law, we specialize in TBI legal representation in Vancouver, ensuring our clients have the support and advocacy they need to navigate the complexities of brain injury claims. If you’re struggling with the aftermath of a head trauma, our team is here to help you secure the compensation you deserve. Common Challenges in Brain Injury Claims Pursuing compensation for brain injuries can be a complex and frustrating process. Unlike visible injuries, brain injuries often involve invisible symptoms, such as cognitive impairments, emotional disturbances, and chronic headaches. These symptoms can vary greatly from one individual to another, making it difficult to quantify their impact on daily life and work capacity. Difficulties include: Proving the Extent of Invisible Injuries One of the biggest hurdles in brain injury claims is providing sufficient evidence of subjective symptoms like memory loss, difficulty concentrating, or mood changes. Insurers often downplay or question the severity of these symptoms due to the lack of visible proof. Insurer Skepticism Insurance companies may challenge brain injury claims, particularly when symptoms are inconsistent or when there are gaps in medical documentation. They may argue that the symptoms are exaggerated or unrelated to the incident in question. Timely and Comprehensive Medical Documentation Success in brain injury claims heavily relies on accurate and timely medical records. Diagnostic tests such as MRIs and CT scans, combined with detailed reports from neurologists and other specialists, provide critical objective evidence. At Tim Louis Law, we understand the complexities of brain injury cases. Our team offers legal assistance for traumatic brain injuries in BC, helping clients gather the necessary documentation and navigate insurer challenges. With our expertise, you can focus on your recovery while we handle the legal intricacies to ensure you receive the compensation you deserve. How to Strengthen Your Brain Injury Claim Securing compensation for a brain injury requires a well-documented and strategic approach. The key to success lies in providing comprehensive, objective evidence to substantiate your claim. Here’s how you can strengthen your case: Medical Evidence is Crucial Insurance companies heavily rely on medical documentation to evaluate brain injury claims. Reports from neurologists and diagnostic tests, such as CT scans and MRIs, provide concrete proof of the injury's severity. These tests can reveal abnormalities that correlate with your symptoms, reinforcing your claim. Maintain a Symptom Diary Brain injuries often involve fluctuating or invisible symptoms, such as dizziness, memory lapses, or fatigue.... --- > Ensure your wishes are respected with a legally binding will in BC. Tim Louis Law offers expert estate planning services in Vancouver. Call for a free consultation! - Published: 2024-11-12 - Modified: 2024-11-14 - URL: https://timlouislaw.com/the-importance-of-having-a-legally-binding-will-in-british-columbia/ - Categories: estate litigation, Estate Planning, Estate Services, Wills Variation - Tags: Asset Distribution, BC Wills, Estate Planning, Estates and Succession Act, Executor Responsibilities, Guardianship of Minors, Intestacy Laws, Legal Will Requirements, Probate Process, Testamentary Trusts, Wills in British Columbia by Tim Louis The Importance of a Legally Binding Will in British Columbia Imagine this: you’ve spent your life building a legacy, ensuring your family’s financial security and safeguarding your cherished assets. But without a legally binding Will in British Columbia, your wishes could be left unfulfilled, and your loved ones may face unnecessary stress and uncertainty. A Will is more than just a document; it’s a powerful tool that provides clarity and peace of mind. By outlining exactly how your estate should be handled, a Will not only simplifies the estate administration process but also ensures your loved ones are protected. In British Columbia, the importance of a Will cannot be overstated. Without one, your estate may be subject to intestacy laws, which dictate asset distribution based on a set formula—potentially leaving out those you intended to provide for. A well-drafted, legally binding Will prevents this, allowing you to maintain control over your legacy, even after you’re gone. In this guide, we’ll explore why having a legally binding Will is essential for safeguarding your estate, the key benefits it provides, and how Tim Louis Law can help you create a will that reflects your unique wishes and needs. Key Takeaways The Critical Importance of a Will in BC A Will is essential for securing your legacy and ensuring your wishes are followed, preventing asset distribution under BC’s intestacy laws, which may not reflect your intentions. Key Benefits of Having a Legally Binding Will Benefits include customized asset distribution, appointing trusted executors, guardianship for minors, reduced probate complexity, and managing digital assets like cryptocurrencies and social media accounts. Special Considerations for Families with Dependents For parents of children with disabilities, a Will enables the creation of special needs trusts, appointment of caregivers, and ensures continued eligibility for government benefits. Misconceptions About Wills Common myths, such as “Wills are only for the wealthy” or “DIY Wills are sufficient,” can lead to costly errors. Professional legal assistance ensures your Will meets all legal standards and avoids potential disputes. Avoiding Intestacy and Probate Delays Without a Will, BC’s intestacy laws dictate asset distribution, often leading to delays, legal fees, and disputes. A well-drafted Will streamlines the probate process and provides peace of mind for your loved ones. What is a Legally Binding Will? A legally binding Will is a cornerstone of any comprehensive estate plan. It is a formal document that ensures your assets are distributed according to your wishes, providing clarity and security for your loved ones after your passing. Without a valid Will, your estate may be distributed based on provincial intestacy laws, which could lead to unintended outcomes. In British Columbia, the creation of a legally binding Will is governed by the Wills, Estates, and Succession Act (WESA). This act outlines the legal requirements for a Will in BC, which include: Testamentary Capacity: The Will-maker must be of sound mind, understanding the nature and extent of their assets, and comprehending the impact of their decisions on beneficiaries. Age Requirement: Generally, the Will-maker must be at least 16 years old. Proper Witnessing: The Will must be signed in the presence of two witnesses, who must also sign the document in the Will-maker’s presence. Witnesses should not be beneficiaries or spouses of beneficiaries to avoid potential conflicts. Clear Intentions: The document must clearly state that it is the Will of the individual, detailing the distribution of assets, appointment of an executor, and other critical instructions. These legal requirements are crucial to ensure the Will’s validity and enforceability. Additionally, a properly prepared Will can help streamline the probate process, reduce legal challenges, and provide peace of mind. While it’s possible to draft a Will independently, the complexities of estate planning often require professional guidance. Engaging a lawyer experienced in Will preparation in British Columbia can help you navigate these legal requirements and avoid common pitfalls. At Tim Louis Law, we ensure your Will meets all legal standards while reflecting your unique wishes. Benefits of Having a Will in British Columbia A Will is much more than a legal document—it’s a tool that provides control, clarity, and peace of mind. From protecting your assets to ensuring your loved ones are cared for, a Will offers several key benefits. Here’s why having a legally binding Will in British Columbia is essential: Customized Asset Distribution One of the primary benefits of having a Will in BC is the ability to decide exactly how your assets will be distributed. Without a Will, provincial intestacy laws determine asset distribution, which may not align with your wishes. A Will ensures your property, investments, and cherished possessions are passed on to the people and organizations you care about most. Executor Appointment Choosing a trusted executor is critical to ensuring your estate is managed smoothly. Your executor will handle everything from paying debts to distributing assets. A Will allows you to appoint someone you trust, ensuring your estate is in capable hands and reducing the chances of disputes. Guardianship for Minors For parents, a Will provides the peace of mind that comes from knowing your children will be cared for by someone you trust. By naming a guardian, you can ensure your children’s future is secure. Without a Will, the court will decide who takes on this responsibility, which may not reflect your wishes. Reduced Probate Complexity A well-prepared Will can significantly simplify the probate process. It provides clear instructions on asset distribution, reducing delays and legal complexities. This not only expedites the process but also minimizes the emotional and financial burden on your loved ones. Managing Digital Assets In today’s digital age, your online presence and digital assets—such as cryptocurrencies, NFTs, and social media accounts—hold significant value. A Will allows you to include instructions on how these assets should be managed or distributed, ensuring they are handled according to your wishes. By securing a Will, you protect your legacy and provide your family with a clear path forward. At Tim Louis Law, we specialize in protecting assets with a Will... --- > Learn how to successfully file long-term disability claims for mental health conditions in Canada. Tim Louis & Company provides expert guidance on navigating the legal process, offering support for those dealing with anxiety, depression, PTSD, and other mental health challenges. Ensure your rights are protected and secure the benefits you deserve. - Published: 2024-10-16 - Modified: 2025-04-27 - URL: https://timlouislaw.com/long-term-disability-claims-for-mental-health-in-canada/ - Categories: Uncategorized - Tags: anxiety disability claims, bipolar disorder claims, depression disability, depression long-term disability, disability appeals, disability lawyer Vancouver, functional capacity evaluations, long term disability, LTD for mental health, mental health benefits Canada, mental health disability claims, mental health documentation, mental health insurance claims, mental health legal support, PTSD disability claims Long-Term Disability Claims for Mental Health in Canada: Essential Tips for Success By Tim Louis Understanding Long-Term Disability Claims for Mental Health Conditions Fighting for long-term disability (LTD) claims for mental health conditions can feel like an uphill battle. The stigma surrounding mental health, combined with the unique challenges faced by those living with conditions like depression, anxiety, PTSD, or bipolar disorder, often makes claiming benefits a complex and daunting process. For many, the very act of seeking LTD benefits can feel like a validation of their struggle—a critical step in securing the support they need to manage their daily lives. Unfortunately, mental health claims often face more scrutiny than physical health claims. The subjective nature of mental health symptoms, combined with the lack of visible, physical evidence, means that insurers are more likely to question these claims. Claimants must provide comprehensive medical documentation and navigate a system that doesn’t always recognize the full impact of mental health conditions on one’s ability to work. Accurate documentation, professional guidance, and a clear understanding of the process are not just helpful—they’re essential. This guide is here to walk you through the key steps, common challenges, and practical tips to improve your chances of a successful LTD claim for mental health. Keep reading to learn how to present a strong case, overcome hurdles, and secure the legal and financial support you deserve. Key Takeaways Hire a Long-Term Disability Lawyer Early: Engaging a disability lawyer, like Tim Louis, at the beginning of the claims process significantly enhances your chances of success by ensuring your case is built on comprehensive evidence and is presented effectively. Comprehensive Medical Documentation is Essential: The strength of a mental health disability claim lies in detailed and consistent medical records. Regular treatment, psychiatrist and psychologist reports, and symptom tracking all contribute to a robust claim. Understand and Meet Eligibility Criteria: Clearly outline how your mental health condition affects your ability to work. Demonstrate ongoing impairment and inability to perform job duties with strong medical evidence and personal statements. Address Insurer Misunderstandings and Common Pitfalls: Many claims are denied due to a lack of physical evidence or misinterpretation of symptoms. Combat these challenges with Functional Capacity Evaluations and detailed personal accounts that paint a complete picture of your daily struggles. Seek Legal Support for Denied Claims and Appeals: An experienced lawyer can manage communications with insurers, navigate the appeals process, and significantly increase your chances of receiving benefits by providing expert guidance on how to strengthen your case. Understanding Mental Health Long-Term Disability Claims Mental health long-term disability (LTD) claims cover a wide range of psychological conditions that significantly impair an individual's ability to work. These conditions include, but are not limited to, depression, anxiety, post-traumatic stress disorder (PTSD), bipolar disorder, and other serious mental health issues. Unlike physical disabilities, these conditions often lack visible symptoms, making it more challenging to demonstrate the full extent of their impact on daily functioning. Challenges Faced by Claimants Claimants pursuing LTD benefits for mental health conditions often face unique hurdles. One of the primary challenges is the absence of objective medical tests—like blood tests or imaging scans—that can conclusively prove the severity of a mental health condition. Insurance companies too often question the legitimacy or extent of the impairment. Additionally, the ongoing stigma surrounding mental health can result in insurers downplaying the condition's impact on work capacity, leading to denials or requests for additional evidence. Importance of Detailed Documentation For a successful mental health disability claim, comprehensive and detailed documentation is crucial. Medical records should clearly outline the diagnosis, treatment history, and the effects of the condition on everyday life. Regular visits to mental health professionals, including psychiatrists, psychologists, or licensed therapists, help establish consistency in treatment, which is often a key factor in proving the validity of the claim. Claimants should ensure that all symptoms are documented and that their healthcare providers fully understand the impact of their mental health condition on their ability to perform job-related tasks. This thorough and ongoing evaluation forms the backbone of any strong LTD claim for mental health conditions. Key Requirements for Filing a Mental Health LTD Claim Eligibility Criteria: To qualify for long-term disability benefits due to mental health conditions, claimants usually need to demonstrate that their condition significantly impairs their ability to perform their work duties. Common qualifying conditions include depression, anxiety disorders, PTSD, and bipolar disorder. Eligibility requirements often include a minimum period of work incapacity, as outlined in your insurance policy, and ongoing medical treatment. Role of Medical Evidence: The strength of your LTD claim lies in comprehensive and consistent medical documentation. Important evidence includes: Psychiatrist/Psychologist Reports: Detailed reports from mental health professionals that diagnose your condition and outline its impact on your daily functioning. Medication Records: Documentation of prescribed medications and adjustments, showcasing the ongoing management of your condition. Treatment History: Records of therapy sessions, counselling, and any other treatments that demonstrate your commitment to managing your mental health. Functional Capacity Evaluations: These evaluations are vital as they objectively assess how your mental health condition affects your ability to perform work-related tasks. Conducted by a specialist, these evaluations provide a clear picture of your functional limitations, adding credibility to your LTD claim. This section underscores the importance of preparing robust documentation and understanding the critical components required to support your mental health LTD claim effectively. Common Reasons Mental Health Claims are Denied One of the most prevalent reasons mental health claims are denied is due to insufficient medical evidence. For instance, if a claimant has not been regularly attending therapy sessions or if there are gaps in treatment, insurers may argue that the condition is not severe enough to warrant long-term disability benefits. An example of this can be seen when claimants with depression fail to provide consistent therapy notes or detailed treatment plans from their psychologists. This lack of evidence makes it easy for insurers to dismiss the claim, stating that the provided documentation does not convincingly demonstrate the extent of... --- > Explore expert estate planning, probate, and will services in Vancouver with Tim Louis. Get personalized legal guidance to secure your assets, minimize disputes, and protect your family's future. Free consultations available. Contact Tim Louis today! - Published: 2024-10-11 - Modified: 2025-05-11 - URL: https://timlouislaw.com/estate-planning-probate-wills-in-vancouver/ - Categories: estate litigation, Estate Planning, Estate Services, Wills Variation - Tags: estate litigation, Probate Lawyer, Wills Variation Navigating Estate Planning in Vancouver: Understanding the Role of Estate, Probate, and Will LawyersBy Tim LouisEstate planning can be overwhelming, especially when considering probate and Will management. Ensuring that your wishes are clearly documented and legally binding requires professional guidance to avoid potential disputes and complications in the future. In Vancouver, where provincial laws and regulations significantly influence estate planning, it’s crucial to work with the right lawyer—whether it’s an estate lawyer, probate lawyer, or will lawyer—to meet your unique legal needs. This is where Vancouver Estate Lawyer Tim Louis comes in. Key TakeawaysUnderstanding the Role of Estate Lawyers: Estate lawyers play a crucial role in planning the distribution of assets, drafting wills, and setting up trusts. They ensure that your estate is managed according to your wishes and helps minimize potential legal disputes. Navigating the Probate Process in British Columbia: Probate is a legal process that involves validating a will and distributing assets. Hiring a probate lawyer can help streamline this complex process, handle documentation, and resolve disputes among beneficiaries. The Importance of a Legally Sound Will: Working with a will lawyer in Vancouver ensures that your will is legally valid and up to date, helping to prevent common mistakes that could lead to costly legal challenges in the future. When Estate Litigation Becomes Necessary: Estate litigation is required in cases of legal disputes over a deceased person’s estate, such as will contests or trust disagreements. An estate litigation lawyer can advocate on your behalf to protect your rights. Choosing the Right Lawyer for Your Estate Needs: It’s important to select a lawyer who has the relevant expertise, reputation, and experience in estate law. Tim Louis is known for his comprehensive approach to estate planning and litigation in Vancouver. The Benefits of Professional Legal Guidance: Whether you need help with estate planning, navigating probate, or resolving disputes, working with an experienced lawyer like Tim Louis can reduce stress, provide legal clarity, and ensure your interests are well-protected. Why You Need an Estate Lawyer in VancouverKey Role of an Estate Lawyer: An estate lawyer plays a central role in ensuring that your assets are managed and distributed according to your wishes. This includes:drafting legally sound willssetting up trusts to protect assetscreating tax-efficient strategies to minimize potential liabilitiesEstate lawyers are also instrumental in designating power of attorney, ensuring that your financial and healthcare decisions are handled by a trusted individual in case of incapacity. When to Hire an Estate Lawyer: Hiring an estate lawyer is crucial in several situations, such as when dealing with complex family dynamics (e. g. , blended families, multiple marriages) or managing a large estate that involves diverse assets like real estate, investments, and business interests. An estate lawyer’s expertise can help navigate these complexities, prevent potential conflicts among beneficiaries, and provide solutions tailored to unique family and financial situations. Estate Planning for Future Generations: Effective estate planning goes beyond simply dividing assets—it’s about leaving a legacy for future generations. An estate lawyer can assist in setting up trusts for minor children or grandchildren, establishing charitable contributions, and implementing strategies that ensure a smooth transfer of wealth with minimal legal disputes. An estate lawyer, like Tim Louis, can help you plan ahead to reduce the risk of litigation and ensure that your loved ones are provided for according to your intentions. Understanding Probate and the Role of a Probate LawyerWhat is Probate? Probate is the legal process that validates a deceased person’s will, ensuring that assets are distributed according to the deceased's wishes. In British Columbia, probate also appoints an executor who will oversee the estate’s administration. Unlike general estate administration, probate involves a court-supervised procedure, which can add layers of complexity and legal requirements. Responsibilities of a Probate Lawyer A probate lawyer plays a crucial role in guiding executors through the probate process. Their responsibilities include:Interpreting the Will: A probate lawyer ensures that the terms of the Will are understood and executed as intended. Preparing Probate Documents: This includes filing the necessary forms, such as the application for a Grant of Probate, with the court. Navigating the Court System: They handle any court appearances required and address legal questions that arise during the process. Assisting with Asset Distribution: Once probate is granted, the lawyer helps distribute assets according to the Will and ensures all legal requirements are met. Key Services Offered by Probate LawyersDocument Preparation: Ensuring that all legal documents are correctly filled out and submitted. Court Representation: Acting as the executor’s legal representative in court. Dispute Resolution: Addressing conflicts between beneficiaries or other parties that may arise. Tax and Debt Settlement: Assisting with paying off any debts or taxes owed by the estate before asset distribution. Common Probate Challenges Probate can be complex and time-consuming, especially when disputes arise. Common issues include:Will Contests: Challenges to the validity of the Will, often on the grounds of undue influence or lack of testamentary capacity. Beneficiary Disputes: Conflicts among heirs regarding asset distribution or interpretation of the will’s provisions. Delayed Processing: Due to incomplete documentation or legal complexities, probate can often face delays, which a skilled lawyer can help expedite. By working with a probate lawyer, these challenges can be effectively managed, ensuring a smoother and quicker resolution of the probate process. Why Having a Will Lawyer in Vancouver MattersImportance of a Will: Having a legally valid Will is essential for ensuring that your assets are distributed according to your wishes and that your loved ones are taken care of after your passing. Without a Will, the distribution of your estate is determined by provincial laws, which may not align with your personal intentions. A Will helps avoid family disputes, provides clear guidance to executors, and minimizes legal complications. Services Offered by a Will Lawyer: A Will lawyer assists in drafting, reviewing, and updating your Will, ensuring it meets legal requirements and reflects your current situation. They can provide expert advice on designating beneficiaries, setting up trusts, and appointing guardians for minor children. Additionally, a Will lawyer can... --- > Self-employed in Canada facing a long-term disability claim appeal? Tim Louis Law offers expert guidance to maximize your success. Contact Canadian disability lawyer Tim Louis today! - Published: 2024-09-14 - Modified: 2024-09-14 - URL: https://timlouislaw.com/steps-for-self-employed-professionals-to-appeal/ - Categories: Disability Claim, Long Term Disability, long-term disability claims, Long-Term Disability Law, Self-employed Denied Disability Benefits? Steps for Self-Employed Professionals to Appeal by Tim LouisNavigating the disability claims process can be stressful, especially for busy self-employed professionals. Unlike traditional employees, self-employed individuals often face unique challenges when denied disability benefits. From lacking access to standard employer-provided benefits to juggling the complexities of business operations while managing health issues, the hurdles are substantial. Understanding the appeal process is critical, as it can make the difference between securing financial stability and facing a prolonged struggle. Timing, comprehensive documentation, and expert legal guidance are crucial elements of a successful appeal. Each step of the process must be carefully handled to maximize the chances of a favourable outcome. For self-employed individuals, these appeals can be more complex due to fluctuating income, the lack of employer advocacy, and often limited awareness of their rights. Enter Tim Louis, a seasoned disability lawyer with a deep understanding of the unique obstacles faced by self-employed clients. With extensive experience and a track record of success in complex appeals, Tim Louis is dedicated to guiding clients through every step of the process. His empathetic and client-focused approach ensures that you are not alone in your fight for the benefits you rightfully deserve. Common Reasons for Disability Claim Denials for Self-Employed ProfessionalsNavigating a long-term disability claim as a self-employed professional comes with unique challenges. Unlike traditional employees, self-employed individuals often find their claims denied due to factors that may seem beyond their control. Understanding these common reasons can help you better prepare your case and avoid pitfalls. Insufficient Medical EvidenceOne of the most frequent reasons for claim denials is a lack of comprehensive medical documentation. Insurance companies require clear, ongoing evidence that demonstrates not just the diagnosis but also the extent of your functional limitations. To strengthen your case:Keep Detailed Medical Records: Regularly visit your healthcare providers and ensure your symptoms and limitations are fully documented. Medical evidence should include detailed notes from your physician, results from diagnostic tests, and reports from specialists. Functional Capacity Evaluations: These assessments objectively measure your ability to perform work-related tasks, providing solid evidence of your limitations. Investing in such evaluations can significantly bolster your claim by showing how your condition specifically impacts your work. Lack of Documentation on Work LimitationsUnlike employees with defined job descriptions, self-employed individuals often wear many hats, making it challenging to prove work limitations. Insurance companies scrutinize these details, often requesting proof of how your condition directly affects your ability to manage your business. To address this:Document Daily Work Restrictions: Keep a detailed journal of your daily tasks and note how your condition limits your ability to perform them. Include examples such as difficulty focusing on administrative work, inability to meet client demands, or physical exhaustion from tasks that were once routine. Gather Client and Colleague Testimonies: Letters from clients, colleagues, or even vendors can help illustrate the impact of your condition on your work, providing third-party insights that validate your claims. Misunderstanding Policy TermsAnother common issue is misunderstanding the terms of your disability insurance policy. Many self-employed professionals face denials because they don’t fully understand their coverage, exclusions, or the definitions of disability according to their specific policy. Common areas of confusion include waiting periods, pre-existing condition clauses, and occupation definitions. To mitigate this risk:Review Policy Documents Thoroughly: Take the time to read and understand your policy, focusing on critical definitions such as “total disability” versus “partial disability. ” Knowing these terms will help you frame your claim correctly. Consult with a Disability Lawyer: Legal experts, like Tim Louis, can review your policy and provide valuable insights into the best approach for your claim. They can identify potential issues and advise you on how to avoid common mistakes that lead to denials. Understanding these common reasons for denials is the first step towards strengthening your claim and securing the benefits you deserve. By focusing on comprehensive medical evidence, accurately documenting your work limitations, and fully understanding your policy terms, you can build a robust case that is far less likely to be denied. Steps to Appeal a Denied Disability ClaimStep 1: Review the Denial Letter ThoroughlyThe first crucial step in appealing a denied disability claim is to carefully review the denial letter. This letter is more than just a rejection; it’s a detailed guide to what went wrong with your initial claim. Pay close attention to:Specific Reasons for Denial: Look for clear reasons stated by the insurer, such as insufficient medical evidence or non-compliance with policy terms. This will help you identify the areas you need to address in your appeal. Deadlines: The denial letter often includes deadlines for filing an appeal. These deadlines are strict, so make sure to note them immediately. Missing a deadline can forfeit your right to appeal. Required Evidence: The letter may outline what additional evidence is needed. Use this information as a checklist for gathering and organizing documents for your appeal. Understanding these details helps you use the denial letter as a roadmap, guiding you to what needs to be corrected or strengthened in your appeal. Step 2: Gather Additional EvidenceMedical Evidence: Compiling comprehensive medical evidence is key to a successful appeal. Here are actionable steps:Detailed Medical Reports: Obtain updated reports from all healthcare providers. Make sure these reports clearly outline your diagnosis, ongoing symptoms, and how your condition affects your ability to work. Functional Capacity Evaluations: These evaluations can demonstrate how your medical condition limits your ability to perform essential work functions. This objective evidence can be powerful in supporting your claim. Ongoing Treatment Records: Consistent documentation of treatments, medications, and follow-up appointments shows your ongoing struggle with your condition. It’s important to show that you are actively seeking and adhering to medical advice. Financial Documentation: Demonstrating how your condition has impacted your income is particularly crucial for self-employed individuals. Here’s how to effectively present your financial situation:Tax Returns: Use past tax returns to establish a baseline of your typical income before the disability. This comparison will highlight the financial impact of your condition. Client... --- > Struggling with long-term disability claims for respiratory conditions like COPD and asthma? Discover expert tips to secure your benefits with guidance from disability lawyer Tim Louis. Learn how to navigate the claims process, strengthen your case with proper medical documentation, and improve your chances of approval. Don't face this alone—get the insights you need to protect your rights and your future. - Published: 2024-09-07 - Modified: 2024-09-07 - URL: https://timlouislaw.com/disability-claims-respiratory-issues-guide/ - Categories: long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer, Respiratory Issues - Tags: Asthma, COPD, disability claim, long term disability claims, LTD, respiratory issues Understanding the Impact of Respiratory Conditions on Long-Term Disability Claims by Tim LouisChronic respiratory conditions like Chronic Obstructive Pulmonary Disease (COPD), asthma, and other lung disorders can severely impact an individual's daily life and work capabilities. These conditions often lead to persistent symptoms such as shortness of breath, chronic coughing, fatigue, and frequent respiratory infections. Over time, these symptoms can make it difficult, if not impossible, for individuals to continue working, impacting their ability to earn an income and maintain their quality of life. Navigating long-term disability (LTD) claims for respiratory conditions can be complex. Many individuals face claim denials due to insufficient medical documentation or misunderstandings about the extent of their condition. Recognizing the unique challenges these respiratory disorders present, including fluctuating symptoms and the need for ongoing treatment, is critical to securing benefits. Tim Louis, an experienced disability lawyer, has dedicated his career to advocating for clients with complex disability claims, including those suffering from chronic respiratory conditions. With his extensive knowledge and empathetic approach, Tim Louis offers valuable support in navigating the claims process, ensuring that clients receive the benefits they deserve. Whether dealing with initial applications or challenging a denied claim, his expertise can make a significant difference in the outcome of your case. Tim Louis is here to help guide you through every step of the process, ensuring you have the best possible chance of securing the financial support you need to manage your health and maintain your quality of life. Understanding Respiratory Conditions and Their ImpactChronic respiratory diseases such as Chronic Obstructive Pulmonary Disease (COPD), asthma, and other lung-related conditions can significantly impair an individual’s quality of life and ability to work. These conditions often cause persistent symptoms, including:Shortness of breathChronic coughingChest tightnessWheezingThese symptoms make even simple daily tasks challenging. For example, COPD, a progressive lung disease, gradually reduces lung function, making it increasingly difficult to breathe, especially during physical activity. Asthma, characterized by inflamed airways, can lead to frequent episodes of breathlessness, significantly affecting one’s ability to maintain consistent work performance. The impact of these conditions goes beyond physical symptoms, affecting emotional and mental well-being as well. People with severe respiratory conditions often experience anxiety and depression due to their limitations, which can further complicate their overall health. Because of these ongoing challenges, individuals with chronic respiratory diseases may find it difficult or impossible to maintain regular employment, making long-term disability benefits essential for their financial stability. To successfully claim long-term disability benefits, it is crucial to have comprehensive medical evaluations and documentation. Ongoing medical records that detail the severity of symptoms, the frequency of flare-ups, and how these conditions impact your daily life and work capacity are vital. Accurate documentation from healthcare providers, including test results, specialist reports, and evidence of treatments, can play a central role in demonstrating the extent of your condition and supporting your disability claim. Common Challenges in Filing Disability Claims for Respiratory IssuesNavigating the long-term disability claims process for respiratory conditions like COPD and asthma can be daunting. One of the most frequent hurdles is insufficient medical documentation. Claimants often fail to provide comprehensive medical records that detail the severity and impact of their respiratory condition. Insurance companies typically require detailed evidence, including ongoing test results, specialist reports, and documented limitations in daily activities. Regular evaluations and updates from healthcare providers are essential to strengthen your claim. Pre-existing conditions pose another significant challenge. Insurance companies often use pre-existing conditions as a basis to deny claims, arguing that the respiratory condition existed before the coverage period began. Proving that your respiratory issues have worsened or that they are distinct from pre-existing conditions requires thorough medical records and often expert legal support to navigate these complex situations. Additionally, timely filing is critical in the claims process, yet many individuals miss deadlines due to lack of awareness or the overwhelming nature of their condition. Missing these deadlines can result in automatic denial of your claim, regardless of its merits. Keeping track of important dates, gathering documentation early, and seeking professional assistance can help ensure that your claim is submitted on time and accurately reflects your condition. How to Strengthen Your Disability ClaimHere are some key steps to enhance your chances of approval: Gather Thorough Medical EvidenceCollect Detailed Medical Records: Ensure all relevant medical documents are up-to-date and comprehensive. This includes:Doctor’s notes describing your diagnosis, treatment plans, and ongoing health issues. Results from pulmonary function tests, X-rays, or CT scans that support your condition. Statements from specialists, such as pulmonologists, detailing how your condition limits your daily functioning. Include Functional Capacity Evaluations: These evaluations assess your physical abilities and limitations in daily activities, providing a clear picture of how your respiratory condition affects your ability to work. Document Your Symptoms and Medical Follow-UpsMaintain a Symptom Diary: Keep a daily record of your symptoms, such as breathlessness, chronic cough, fatigue, and how they impact your ability to perform routine tasks. Regular Medical Follow-Ups: Consistently attend scheduled appointments with your healthcare providers. Regular visits demonstrate your commitment to managing your condition and provide ongoing medical evidence to support your claim. Seek Legal Support to Enhance Your ClaimWork with a Disability Lawyer: A lawyer, like Tim Louis specializing in disability claims can guide you through the complex application process, ensuring all necessary documents are correctly presented and deadlines are met. Improve Claim Presentation: A legal professional can help present your medical evidence in the most compelling way, addressing any potential weaknesses and improving the chances of your claim being approved. By following these steps and seeking professional legal support, you can build a strong case for your long-term disability benefits, ensuring you have the resources needed to manage your respiratory condition effectively. The Role of Legal Support in Disability ClaimsNavigating long-term disability claims for chronic respiratory conditions like COPD, asthma, and other lung diseases can be incredibly challenging. Having legal support from an experienced disability lawyer is crucial for maximizing your chances of success. A lawyer helps with the claims process, ensuring that your... --- > Secure your child's future with expert estate planning guidance tailored for families with disabilities. Discover crucial strategies to protect assets, ensure long-term care, and provide peace of mind. Learn how to navigate the complexities of trusts, wills, and government benefits to create a comprehensive plan that meets your family's unique needs. Empower yourself with the knowledge to make informed decisions and secure a stable, supportive future for your child with disabilities. Visit Tim Louis & Company for trusted legal advice and personalized estate planning solutions. - Published: 2024-08-17 - Modified: 2025-01-17 - URL: https://timlouislaw.com/estate-planning-child-with-disabilities/ - Categories: estate litigation, Estate Planning, Estate Services, Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: disability lawyer, Estate Planning Preparing for the Future: Estate Planning When You Have a Child with Disabilities Understanding the Importance of Estate Planningby Tim LouisEstate planning is a critical process for ensuring that your assets are distributed according to your wishes after your death. However, when you have a child with disabilities, the stakes are even higher, and the planning becomes more complex. It’s not just about distributing assets; it’s about securing your child’s future, ensuring they have the financial resources, care, and protection they need throughout their life. In Canada, estate planning for children with disabilities involves unique challenges. Parents must navigate the complexities of ensuring that their child remains eligible for government benefits while also receiving the inheritance they deserve. This often involves setting up a special needs trust or other legal arrangements that protect the child’s financial interests without jeopardizing their access to essential services. Overview of Key Legal and Financial ToolsWhen planning for the future of a child with disabilities, it is crucial to utilize both legal and financial tools that can secure their well-being and ensure that they receive the necessary support throughout their life. Below, we discuss some of the most important tools that Canadian parents should consider. WillsA will is a fundamental legal document that outlines how your assets will be distributed after your death. For parents of children with disabilities, a well-structured will can ensure that your child’s future needs are met without jeopardizing their eligibility for government benefits. By explicitly naming guardians and trustees, you can designate who will manage your child’s inheritance and care, making sure that their specific needs are prioritized. Henson TrustsThe Henson Trust is a unique legal instrument in Canada, designed specifically for beneficiaries with disabilities. This type of trust allows parents to leave assets to their child without affecting the child’s entitlement to government disability benefits. The assets in a Henson Trust are not considered the property of the beneficiary, thus safeguarding their eligibility for provincial disability support programs such as the Ontario Disability Support Program (ODSP) or the British Columbia Disability Assistance. Powers of AttorneyA Power of Attorney (POA) is another critical legal document. It allows you to appoint someone to make decisions on your behalf if you become incapacitated. For parents of children with disabilities, establishing a POA is vital to ensure that decisions related to the child’s care, housing, and medical needs are managed according to your wishes. Registered Disability Savings Plans (RDSPs)The RDSP is a powerful financial tool that allows parents to save for the long-term financial security of a child with disabilities. Contributions to an RDSP grow tax-free, and the Canadian government provides matching grants, which can significantly enhance the savings over time. RDSPs are specifically designed to ensure that the funds are used to improve the quality of life for the child with disabilities, providing peace of mind that their future financial needs will be met. Creating a Comprehensive Plan: Steps and ConsiderationsStarting the Estate Planning Process: The first step in estate planning when you have a child with disabilities is to gather all relevant information about your child’s needs, your financial situation, and your long-term goals. This may include consultations with financial planners, lawyers, and healthcare professionals to ensure every aspect of your child's future is considered. Key Considerations for Future Care: Planning for the future care of your child involves selecting a legal guardian who will be responsible for making decisions on behalf of your child when you are no longer able to do so. This is a crucial step that requires careful thought and discussion with potential guardians to ensure they are prepared for this responsibility. Ensuring Financial Stability: One of the main objectives of estate planning is to ensure that your child has the financial resources needed for their care and well-being. This may involve setting up a Henson Trust or contributing to a Registered Disability Savings Plan (RDSP) to provide ongoing financial support. Legal Guardianship: Appointing a legal guardian involves more than just naming someone in your will. It requires legal documentation and possibly court involvement to ensure that the appointed guardian has the legal authority to care for your child. Special Trusts and Tax BenefitsWhen planning for the future of a child with disabilities, understanding the role of special trusts and tax benefits is crucial. One of the most valuable tools in this process is the Henson Trust, a discretionary trust designed specifically to protect the assets of a person with disabilities. This trust allows the beneficiary to maintain eligibility for government benefits while still receiving financial support from the trust. The Henson Trust is particularly beneficial in Canada, as it is recognized in many provinces, including Ontario and British Columbia, and is essential for safeguarding the financial future of a disabled child. In addition to trusts, several tax credits and benefits are available to families. The Disability Tax Credit (DTC) is a non-refundable tax credit that helps reduce the amount of income tax payable for eligible individuals with disabilities. This credit can be transferred to supporting family members if the disabled person has no taxable income. Furthermore, the Registered Disability Savings Plan (RDSP) offers significant financial advantages. It allows for long-term savings with contributions matched by government grants, making it an indispensable part of any estate plan for a disabled child. These tools not only provide financial security but also ensure that the child’s quality of life is maintained, even after the parents or guardians are no longer able to provide support directly. Properly setting up a Henson Trust and taking full advantage of the DTC and RDSP requires careful planning and professional legal assistance to navigate the complexities of these benefits and ensure they are utilized to their full potential. This comprehensive approach ensures that all aspects of the child's future, from financial stability to care arrangements, are thoughtfully considered and effectively managed. The Importance of Professional Legal AssistanceWhen it comes to estate planning for a child with disabilities, it is crucial to have a well-thought-out... --- > Learn how Tim Louis & Company can help you navigate disability claims related to Lyme disease. Discover essential insights on eligibility, documentation, and the claim process. Trust our expertise to guide you through the legal complexities, ensuring you get the support you deserve. Contact us today for a free consultation and take the first step toward securing your rights. - Published: 2024-08-11 - Modified: 2024-08-11 - URL: https://timlouislaw.com/lyme-disease/ - Categories: disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Law, Lyme Disease - Tags: disability claim, disability claims, long term disability, Long-term Disability Claim, lyme disease How to Secure Long-Term Disability Benefits for Lyme Disease: Overcoming Challenges and Winning Your Claim Living with Lyme disease can be a challenging, significantly impacting one's daily life and work capabilities. Lyme disease, caused by the bite of an infected black-legged tick, often begins with symptoms such as fever, headache, fatigue, and a characteristic skin rash called erythema migrans. If left untreated, it can spread to the joints, heart, and nervous system, leading to more severe health issues. Chronic Lyme disease can cause debilitating symptoms that interfere with the ability to perform even the simplest daily tasks, making it impossible to maintain regular employment. For those grappling with Lyme disease, securing long-term disability benefits is crucial to ensuring financial stability and access to necessary medical treatments. The process is often complex. Understanding the long-term disability claim process for Lyme disease is essential for those affected by this condition. It involves gathering comprehensive medical documentation, meeting strict filing deadlines, and effectively communicating the severity of your condition to insurance providers. Navigating this process can be overwhelming, but with the right support and knowledge, it is possible to overcome these challenges. Tim Louis, with his extensive experience and compassionate approach, is dedicated to helping individuals with Lyme disease successfully secure the benefits they deserve By understanding the long-term disability claim process and leveraging the expertise of a seasoned disability lawyer like Tim Louis, you can confidently navigate this journey and secure the support you need to manage your condition effectively. Understanding Lyme Disease Common Symptoms of Lyme Disease Lyme disease is a bacterial infection transmitted through the bite of an infected black-legged tick, commonly known as a deer tick. It is caused by the bacterium Borrelia burgdorferi and can affect multiple systems within the body. The symptoms of Lyme disease often vary and can be difficult to diagnose due to their similarity to other conditions. Early signs typically include fever, chills, headache, fatigue, muscle and joint aches, swollen lymph nodes, and a characteristic skin rash called erythema migrans, which appears in approximately 70-80% of infected individuals. This rash often starts as a small red spot at the site of the tick bite and expands over days to weeks, sometimes forming a bull’s-eye appearance. How Lyme Disease Can Progress to Chronic Lyme Disease If Lyme disease is not diagnosed and treated promptly, it can progress to what is known as chronic Lyme disease or Post-Treatment Lyme Disease Syndrome (PTLDS). Chronic Lyme disease can develop months to years after the initial infection and is characterized by persistent symptoms that can severely impact one's quality of life. These symptoms include severe fatigue, widespread musculoskeletal pain, cognitive difficulties, sleep disturbances, and neurological problems. The progression to chronic Lyme disease can occur even in patients who received early antibiotic treatment, highlighting the need for continuous medical follow-ups and comprehensive care. (CDC) Learn more at: https://www. cdc. gov/lyme/ The Impact of Chronic Lyme Disease on Physical and Mental Health Chronic Lyme disease can profoundly affect both physical and mental health. Physically, individuals may experience debilitating fatigue that limits their ability to perform everyday activities, severe joint pain, and muscle aches that can be mistaken for other conditions like fibromyalgia or chronic fatigue syndrome. Neurological symptoms, such as difficulty concentrating, memory issues, and mood swings, can also arise, further complicating the individual’s ability to maintain a normal lifestyle. The mental health impact is significant as well, with many sufferers experiencing anxiety, depression, and a sense of isolation due to the chronic nature of their symptoms and the challenges in obtaining a definitive diagnosis and appropriate treatment. (Mayo Clinic; Johns Hopkins Medicine). Living with chronic Lyme disease can be incredibly challenging, requiring a comprehensive and multidisciplinary approach to treatment and care. Understanding the full scope of Lyme disease and its progression is crucial for those affected, as it underscores the importance of thorough medical documentation and timely intervention in the long-term disability claim process. Common Challenges in Filing Disability Claims for Lyme Disease Insufficient Medical Documentation One of the most significant problems in filing disability claims for Lyme disease is the lack of comprehensive medical documentation. This is important because thorough and ongoing medical evidence is needed to support your claim. Lyme disease is a complex condition that often presents with symptoms like other illnesses, making it difficult to diagnose accurately. Importance of Comprehensive and Ongoing Medical Evidence Comprehensive medical documentation for Lyme disease involves more than just initial diagnostic tests. It requires continuous medical evaluations, detailed symptom tracking, and regular updates from healthcare providers to paint a clear picture of the disease's progression and its impact on your daily life. This ongoing documentation helps establish the severity and chronic nature of Lyme disease, which is essential for a successful disability claim. Challenges in Diagnosing and Documenting Lyme Disease Diagnosing Lyme disease can be very challenging due to its wide range of symptoms and the fact that these symptoms often overlap with those of other conditions. Many individuals with Lyme disease face delays in diagnosis or receive misdiagnoses, complicating the process of gathering the necessary medical evidence. Additionally, laboratory tests for Lyme disease are not always conclusive, further complicating the documentation process. Pre-existing Conditions Another common issue in filing disability claims for Lyme disease is the presence of pre-existing conditions. Insurers may argue that the symptoms you are experiencing are related to a pre-existing condition rather than Lyme disease, making it difficult to secure benefits. How Pre-existing Conditions Can Complicate Claims Pre-existing conditions can cause problems when it comes to proving that Lyme disease is the primary cause of your disability. Insurers may use your medical history to deny your claim, suggesting that your symptoms are due to conditions that existed before you contracted Lyme disease. This can be particularly problematic if your Lyme disease symptoms overlap with those of other chronic illnesses. Strategies to Address and Differentiate Lyme Disease from Pre-existing Conditions To overcome this challenge, it is crucial to clearly differentiate Lyme disease symptoms from those of any... --- > Discover the benefits of hiring a disability lawyer with Tim Louis & Company. Learn how expert legal support can help you secure your disability benefits, navigate complex claims, and handle denials effectively. Our experienced team provides personalized assistance to ensure you get the financial support you deserve. Click to learn more! - Published: 2024-07-20 - Modified: 2024-09-07 - URL: https://timlouislaw.com/benefits-of-hiring-a-disability-lawyer/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: disability lawyer, Long-term Disability Claim, long-term disability lawyer The Benefits of Hiring a Disability Lawyer for Your Long-Term Disability Claim By Tim Louis Filing for long-term disability claims can be an overwhelming and challenging process. The intricate paperwork, strict deadlines, and complex legal language often make it difficult for claimants to navigate the system on their own. The process requires detailed medical documentation, clear evidence of disability, and thorough knowledge of the legal criteria for eligibility. Unfortunately, many deserving claims are denied due to minor errors or insufficient documentation, leaving individuals without the support they desperately need. This is where the importance of legal support comes into play. Hiring a disability lawyer can significantly improve your chances of a successful claim. A skilled lawyer, like Tim Louis, thoroughly understands disability law and can guide you through every step of the process. They ensure that all necessary documentation is complete and correctly submitted, represent you in communications with insurance companies, and provide strategic advice to strengthen your claim. Tim Louis, a seasoned disability lawyer, brings extensive expertise in handling long-term disability claims. With years of experience and a deep understanding of disability law, Tim Louis and his dedicated team offer personalized legal assistance to help you secure the benefits you deserve. Whether you're dealing with a denied claim or need help navigating the initial application process, Tim Louis is committed to advocating for your rights and ensuring you receive the financial support necessary to manage your condition effectively. By leveraging his expertise, you can navigate the complexities of disability claims with confidence, knowing you have a knowledgeable and compassionate advocate on your side. Understanding the Role of a Disability Lawyer A disability lawyer plays a crucial role in navigating the complex process of filing a long-term disability claim. Their expertise extends across various tasks that are vital for a successful claim: Comprehensive Case Evaluation: A disability lawyer assesses the strength of your case, identifying any potential weaknesses and advising on the best course of action to fortify it. This initial evaluation is crucial in determining the viability of your claim and strategizing accordingly. Gathering and Presenting Evidence: One of the primary roles of a disability lawyer is to help gather and organize all necessary medical documentation and evidence. This includes obtaining detailed medical reports, vision tests, audiograms, and functional assessments that clearly demonstrate the severity and impact of your impairment. A lawyer ensures that all evidence is presented effectively to support your claim. Understanding Legal Language and Requirements: Disability law involves complex terminology and stringent requirements. A disability lawyer is well-versed in this legal language and ensures that your application meets all necessary criteria. This includes correctly filling out forms, adhering to deadlines, and understanding the specific legal standards that apply to your claim. Managing Communication with Insurers: Lawyers handle all communications with the insurance company, reducing the risk of miscommunication or misinterpretation of your condition. They negotiate on your behalf and ensure that your interests are represented accurately and forcefully. Strategic Representation in Appeals: In cases where a claim is denied, a disability lawyer is essential for managing the appeals process. They provide expert guidance on why the claim was denied, gather additional evidence, and prepare a compelling case for appeal. Their strategic representation can significantly increase the chances of overturning a denial. By understanding and performing these tasks, a disability lawyer ensures that your claim is handled with the utmost professionalism and care. Tim Louis, with his extensive experience and dedication, exemplifies the role of a disability lawyer, offering comprehensive support and advocacy to ensure that clients receive the benefits they deserve. How Legal Support Can Improve Claim Success Hiring a disability lawyer significantly improves the success rate of long-term disability claims. Improve Disability Claim Success Lawyers bring a strategic advantage by thoroughly understanding all legal aspects and ensuring all documentation meets stringent standards. They help present a compelling case, addressing any potential weaknesses proactively. Handling Complex Cases Disability claims can involve intricate details and challenging circumstances. Lawyers manage these complexities by gathering comprehensive evidence, preparing detailed reports, and effectively communicating with insurance companies. Their experience allows them to anticipate and counter common reasons for denial, thereby strengthening the claim. Strategic Advantage During Appeals In the event of a denial, having a lawyer provides a significant advantage during the appeals process. Legal support for disability claims is crucial as lawyers can identify why a claim was denied and gather additional evidence to build a stronger case. They navigate the appeals process with expertise, increasing the likelihood of overturning a denial. Tim Louis exemplifies how legal support can improve disability claim success. With his extensive experience and client-focused approach, he ensures that each claim is meticulously prepared and robustly represented, significantly enhancing the chances of securing the benefits you deserve. What to Expect When Hiring a Disability Lawyer Initial Consultation: What to Prepare and Discuss When you first meet with a disability lawyer, it’s important to come prepared. Bring all relevant medical documentation, including doctor’s notes, test results, and any correspondence with insurance companies. During this consultation, the lawyer will assess the strength of your case and discuss your legal options. This is the time to ask questions about the process, fees, and what you can expect moving forward. Overview of the Claim Process with Legal Assistance A disability lawyer will guide you through each step of the claim process. They will help you gather and organize necessary documentation, complete and submit the application, and ensure all legal requirements are met. The lawyer will also handle communications with the insurance company, reducing your stress and workload. Ongoing Communication and Updates from Your Lawyer Throughout the process, your lawyer will keep you informed about the status of your claim. They will provide regular updates and be available to answer any questions or address concerns. This ongoing communication ensures that you are always aware of where your claim stands and what the next steps are. By hiring a disability lawyer like Tim Louis, you gain a dedicated advocate who works... --- > Discover comprehensive insights into long-term disability claims for vision and hearing loss with Tim Louis & Company. Learn your rights, claim processes, and how to secure the benefits you deserve. Expert legal guidance tailored to vision and hearing impairments. Read now for essential tips and professional support! - Published: 2024-07-16 - Modified: 2025-04-27 - URL: https://timlouislaw.com/understanding-long-term-disability-claims-vision-and-hearing-loss/ - Categories: Long Term Disability, long-term disability claims - Tags: Long-term Disability Claim, LTD insurance claim, Vision and hearing loss Vision and Hearing Loss: Understanding Long-Term Disability Claims by Tim Louis Key Takeaways Impact on Life and Work: Vision and hearing impairments significantly affect daily activities and job performance, requiring substantial adaptations and professional support. Eligibility Criteria: To qualify for benefits, impairments must be severe and prolonged, limiting essential job functions. Comprehensive medical documentation is crucial. Types of Benefits: Options include private insurance, CPP Disability, and provincial programs in BC, Alberta, and Ontario, each offering different levels of support. Claim Process: A thorough step-by-step approach is needed, from initial diagnosis and documentation to follow-up and review, with timely filing being critical. Legal Support: Tim Louis provides expert guidance, detailed documentation, strategic communication, and strong advocacy, significantly enhancing the chances of a successful claim. For support, contact Tim Louis for a free consultation: (604) 732-7678, timlouis@timlouislaw. com, Tim Louis & Company. Living with severe vision or hearing loss can significantly impact one's daily life and work capabilities. For those facing this, long-term disability benefits are crucial in providing financial support and maintaining a stable quality of life. And making disability claims on your own can feel impossible, especially when dealing with the details of vision and hearing impairments. Tim Louis, a seasoned disability lawyer, offers expert guidance to help you through this process. With extensive experience in long-term disability claims, Tim Louis and his dedicated team provide personalized legal assistance to ensure you receive the benefits you deserve. Seeking professional legal help can make a significant difference in the success of your claim, helping you secure the financial support necessary to manage your condition effectively. Understanding Vision and Hearing Loss Vision and hearing impairments can profoundly affect one’s quality of life, making everyday activities and work responsibilities challenging. Severe vision impairments include conditions like legal blindness, where vision is less than 20/200 even with corrective lenses, or a visual field of 20 degrees or less. Common causes include cataracts, macular degeneration, diabetic retinopathy, and glaucoma. These conditions can lead to significant difficulties in performing tasks that require clear vision, such as reading, driving, or recognizing faces. Hearing impairments range from partial hearing loss to profound deafness. Prevalent conditions include sensorineural hearing loss, which affects the inner ear or auditory nerve, and conductive hearing loss, affecting the outer or middle ear. Hearing loss may be caused by prolonged exposure to loud noise, aging, infections, and genetic factors. This can impact one’s ability to communicate effectively, participate in conversations, and perform jobs that require listening. Both vision and hearing impairments can lead to social isolation, reduced job performance, and emotional distress. They necessitate adjustments in daily living and, in many cases, professional support to manage the associated challenges. Impact on Daily Life and Work Capabilities Living with severe vision or hearing loss requires substantial adaptations. Individuals with vision loss may need to rely on assistive technologies like screen readers, magnifying devices, and braille. They might also need to modify their living spaces to improve safety and accessibility. At work, tasks that depend heavily on sight can become extremely difficult, if not impossible, without appropriate accommodations. Hearing loss similarly demands adjustments. Hearing aids, cochlear implants, and other assistive listening devices can help, but they are not perfect solutions. Communication can still be a significant hurdle, particularly in environments with background noise or when interacting with people who are not familiar with hearing loss. This can limit job opportunities and affect productivity and job satisfaction. Given these challenges, long-term disability benefits are crucial in providing financial stability and access to necessary resources for those affected by vision and hearing impairments. Seeking these benefits, however, involves a complex legal process where professional assistance can make a critical difference. Tim Louis, with his compassionate and client-focused approach, offers invaluable support to individuals navigating these claims. His expertise ensures that clients receive the benefits they need to manage their impairments effectively and maintain their quality of life. Eligibility for Long-Term Disability Criteria for Qualifying for Long-Term Disability Benefits Qualifying for long-term disability (LTD) benefits due to vision or hearing loss involves meeting specific criteria set by insurance policies and government programs. To be eligible, an individual must demonstrate that their impairment significantly limits their ability to perform essential job functions. This includes providing proof that the condition is severe, prolonged, and prevents them from working in their own or any occupation. For vision impairments, this usually means having a visual acuity of less than 20/200 in the better eye, even with corrective lenses, or a visual field of 20 degrees or less. Hearing impairments must be documented as severe or profound, significantly affecting communication and job performance. Importance of Thorough Medical Documentation A successful LTD claim hinges on comprehensive and thorough medical documentation. This includes detailed vision tests, audiograms, and functional assessments conducted by qualified medical professionals. Such documentation should clearly outline the severity of the impairment, its impact on daily activities, and the prognosis. Vision Tests: These should detail the extent of visual impairment, including measures of visual acuity and field of vision. Reports from ophthalmologists or optometrists are essential. Audiograms: These tests measure the degree of hearing loss and are crucial in substantiating the claim. Audiologists’ reports that include speech discrimination scores and the impact of hearing loss on communication abilities are important. Functional Assessments: These assessments evaluate how the impairments affect the individual's ability to perform work-related tasks and daily activities. They provide a holistic view of the impact of the impairment. Ensuring that all medical documentation is current, comprehensive, and accurately reflects the impairment's severity is crucial for a successful claim. This thorough approach not only supports the initial application but also strengthens the case in the event of an appeal. Tim Louis understands the complexities involved in gathering and presenting the necessary documentation. His extensive experience in handling long-term disability claims ensures that clients receive the guidance and support they need to compile a strong, evidence-backed application, increasing their chances of securing the benefits they deserve. Types of Benefits Overview of Available Benefits... --- > Facing a disability claim? Get expert guidance with an early legal consultation from Tim Louis Law. Understand your rights, gather crucial evidence, and increase your chances of a successful claim. Our compassionate, experienced legal team is here to support you every step of the way. Schedule your free consultation today and secure the benefits you deserve. - Published: 2024-06-20 - Modified: 2025-06-05 - URL: https://timlouislaw.com/early-legal-consultation-disability-claims/ - Categories: disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Law - Tags: disability claims, legal consultation, long term disability claims The Critical Role that Early Legal Consultation Plays in Disability Claims in Canada by Tim Louis For those who are already dealing with the physical and emotional challenges of a disability, navigating the complexities of disability claims in Canada can be a difficult task. Early legal consultation is a crucial step in this process, offering claimants the guidance and support needed to understand their rights. Engaging a lawyer like Tim Louis early in the process can significantly influence the outcome of a disability claim. From the initial application to potential appeals, having expert legal advice can help ensure that all necessary documentation is accurate and complete, which is vital for a successful claim. Common Challenges Faced by Canadian Claimants Canadian claimants for long-term disability often face several challenges when pursuing disability claims. These include understanding the specific eligibility criteria, gathering detailed and comprehensive medical evidence, and dealing with the hurdles posed by insurance companies and government agencies. One of the most common issues is the denial of long-term disability claims due to insufficient documentation or failure to meet specific deadlines. Early intervention by a knowledgeable lawyer like Tim Louis can help mitigate these issues effectively. With years of experience in handling disability claims, Tim Louis understands the common pitfalls and procedural complexities that can hurt a claim. He assists clients in compiling thorough medical documentation, ensuring that all necessary forms are correctly filled out and submitted on time. Additionally, Tim Louis provides valuable advice on how to present one's case compellingly to both insurance companies and appeal boards, increasing the likelihood of a favourable outcome. Moreover, his empathetic approach ensures that clients feel supported throughout the process. He not only addresses the legal aspects of a claim but also offers reassurance and clear communication, helping clients to navigate the often-stressful journey of securing disability benefits. By engaging Tim Louis early, claimants can avoid many of the common mistakes that lead to denied claims and can proceed with greater confidence and clarity. Types of Disability Benefits Available in Canada Learning about disability benefits in Canada can be challenging without a clear understanding of the various options available and the criteria for eligibility. Here, we outline the primary types of disability benefits Canadians can access: CPP Disability Benefits The Canada Pension Plan (CPP) Disability Benefits are a federal program designed to provide financial assistance to individuals who have contributed to the CPP and are now unable to work due to a severe and prolonged disability. The eligibility criteria for CPP Disability Benefits include: CPP Contributions: Applicants must have made sufficient contributions to the CPP. Severe and Prolonged Disability: The disability must be severe, meaning it prevents the individual from performing any substantially gainful work, and prolonged, meaning it is long-term and of indefinite duration. Private Insurance Disability Benefits Private insurance companies offer long-term and short-term disability benefits to individuals covered under personal or employer-sponsored insurance plans. These benefits typically provide a percentage of the claimant's salary during the period of disability. Key eligibility criteria include: Policy Terms: Each policy has specific terms and conditions that must be met, including waiting periods and definitions of disability. Medical Evidence: Detailed medical documentation and proof of ongoing treatment are usually required. Provincial Disability Benefits In addition to federal and private insurance programs, each province in Canada offers its own disability benefits. For instance: Ontario Disability Support Program (ODSP): Provides financial assistance and employment support to Ontario residents with disabilities. Assured Income for the Severely Handicapped (AISH) in Alberta: Offers financial and health benefits to eligible Albertans with severe disabilities. Eligibility for provincial benefits often includes: Residency Requirements: Applicants must reside in the respective province. Income and Asset Limits: There may be financial thresholds that applicants must meet. Medical Certification: A healthcare professional must certify the disability. Understanding these various options and their specific requirements is crucial for Canadians seeking disability benefits. By being informed about the types of benefits available and the eligibility criteria, claimants can better navigate the application process and increase their chances of receiving the support they need. The Role of a Disability Lawyer in Canada Why Early Legal Consultation is Crucial The complexities of disability claims in Canada can be overwhelming, especially when dealing with a disabling condition. Early consultation with a disability lawyer is vital in ensuring that the process is as smooth and effective as possible. Engaging a lawyer like Tim Louis at the outset can significantly streamline your claims process, providing invaluable support from the very beginning. One of the primary benefits of early legal consultation is the strategic guidance you receive. A knowledgeable disability lawyer understands the intricate requirements and documentation needed to support a claim. They can assist in gathering detailed medical records, personal statements, and other necessary evidence that clearly demonstrate your inability to work due to your disability. By ensuring that all paperwork is thorough and submitted on time, they help to avoid common pitfalls that can lead to claim denials or delays. For example, a lawyer can help you compile comprehensive medical reports from your healthcare providers, which are essential in substantiating your claim. They can also guide you on how to articulate the impact of your condition on your daily life and work capacity, presenting a strong case to insurance companies or governmental bodies. In addition to gathering documentation, a lawyer can also help you understand and navigate the specific criteria for various types of disability benefits in Canada, such as CPP Disability Benefits and provincial programs. Early legal consultation ensures that you are well-prepared to meet these criteria, thereby increasing the likelihood of a successful claim. This proactive approach not only saves time but also reduces the stress and uncertainty associated with the disability claims process. Common Challenges in Canadian Disability Claims Typical Reasons for Claim Denials in Canada The process of filing for disability benefits in Canada can be very confusing and challenging, often leading to claim denials. One of the most common reasons for denials is the lack of... --- > Struggling with Parkinson's disease and unsure about your disability rights in Canada? Discover comprehensive guidance on long-term disability claims and learn how Tim Louis Law can support your fight for rightful benefits. Get expert help in navigating the complex legal landscape—secure your consultation today! - Published: 2024-06-06 - Modified: 2024-06-06 - URL: https://timlouislaw.com/long-term-disability-claims-for-parkinsons-disease/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: long term disability, long term disability claims, Parkinson's Disease Long-Term Disability Claims for Parkinson’s Disease in Canada: A Comprehensive Guide by Tim Louis Key Takeaways Profound Impact on Employment: Parkinson's disease significantly challenges an individual's ability to work due to progressive neurological symptoms that impair motor functions and cognitive abilities. Understanding how these symptoms affect employment is crucial for managing disability claims effectively. Legal Protections and Rights: Canadian laws provide strong protections for individuals with disabilities, including those with Parkinson’s disease, ensuring they receive necessary accommodations and are not discriminated against in the workplace. Awareness and utilization of these legal frameworks are essential for advocating for one's rights and securing appropriate workplace accommodations. Importance of Specialized Legal Guidance: Successfully navigating the complexities of disability claims, especially for conditions like Parkinson’s, often requires the expertise of specialized legal professionals. Lawyers experienced in disability claims can offer invaluable assistance in preparing documentation, dealing with insurance disputes, and ensuring claimants receive the benefits they are entitled to. Introduction to Parkinson's Disease and Its Impact on Employment in Canada Parkinson’s disease, a progressive neurological disorder, affects many Canadians, challenging their ability to maintain regular employment. As the disease progresses, motor symptoms such as tremors, stiffness, and slowed movement become more pronounced, inevitably impacting professional duties and the capacity to work. Parkinson's not only alters the lives of those diagnosed but also poses substantial challenges in their working environments, highlighting the critical need for understanding and managing long-term disability claims. This discussion sets the stage for exploring the legal frameworks that support people with Parkinson’s in securing their rights and necessary accommodations in the workplace. What is Parkinson's Disease? Definition and Key Symptoms Parkinson's disease is a progressive neurological disorder that primarily affects motor function due to the loss of dopamine-producing cells in the brain. The hallmark symptoms of Parkinson's include tremors, rigidity, and bradykinesia (slowness of movement). Patients may also experience postural instability, leading to difficulty with balance and coordination. These symptoms gradually worsen over time, significantly impacting the quality of life of those affected. Progression of the Disease and Impact on Daily Activities As Parkinson's disease progresses, the symptoms become more severe and debilitating. The increasing difficulty in controlling movements can extend to simple daily activities such as dressing, eating, and walking. Advanced stages of Parkinson's often lead to non-motor symptoms as well, including cognitive decline, mood disorders, and sleep disturbances. This progression not only challenges the independence of individuals but also necessitates comprehensive management strategies to maintain quality of life and functional ability in daily routines. Understanding Disability Rights in Canada Overview of Disability Rights for Neurological Conditions In Canada, the rights of individuals with neurological disorders such as Parkinson's are robustly protected under various federal and provincial laws. These laws ensure that people with disabilities are afforded equal opportunities to integrate into all aspects of society, including employment, accessibility in public spaces, and healthcare. The Canadian Human Rights Act, for example, prohibits discrimination on the basis of disability, mandating reasonable accommodation for those affected to the point of undue hardship for the provider. In British Columbia, the Human Rights Code protects individuals with neurological conditions by ensuring they have equal access to employment, public amenities, and services. This provincial framework emphasizes the need for reasonable accommodation in the workplace and public spaces, supporting the inclusion of all individuals regardless of their disabilities. In Alberta, the Human Rights Act serves a similar protective function for those with neurological disorders. It mandates that accommodations be made to prevent discrimination on the basis of disability. Alberta also offers additional support through programs like the Assured Income for the Severely Handicapped (AISH), which provides financial and health benefits to eligible individuals, furthering their ability to participate fully in society. Further supporting these rights are specific statutes like the Accessibility for Ontarians with Disabilities Act (AODA) in Ontario, which sets standards for key areas of daily living. Across the country, these legal frameworks are complemented by advocacy from organizations that work tirelessly to uphold the rights of those with debilitating conditions, ensuring that their legal protections become practical, everyday support. Eligibility Criteria for Disability Benefits For Canadians with neurological conditions to be eligible for disability benefits, they must prove that their impairments significantly prevent their ability to perform work or daily activities. This typically involves detailed assessments by medical professionals who can attest to the severity and expected progression of the condition. Eligibility is often determined by a combination of medical evidence, personal statements, and sometimes, assessments by third-party medical examiners appointed by the benefits provider. The criteria for these benefits are not only based on the presence of a disease but also on how the symptoms affect functional capacity. For instance, individuals might qualify for benefits under the Canada Pension Plan Disability (CPP-D) if they have made sufficient contributions to the CPP and their disability is long-term and of sufficient severity to prevent regular work. Understanding and navigating these requirements can be complex, and many applicants benefit from the assistance of experienced legal counsel to guide them through the process and help secure the necessary documentation. Proving Disability for Parkinson's Disease Claims Necessary Medical Documentation and Expert Evaluations To establish a strong case for disability benefits for Parkinson’s disease, claimants need to provide extensive medical documentation. This documentation should include comprehensive reports from neurologists that detail the diagnosis, the progression of symptoms, and the overall impact on the patient's daily life. Expert evaluations are also critical as they provide objective assessments that reinforce the medical claims, highlighting the severity of the neurological impairments. Additionally, it's beneficial to include assessments from specialists in occupational therapy or psychiatry to illustrate the broader impacts of Parkinson's on the claimant's cognitive functions and mental health. These evaluations help paint a complete picture of the individual's health status, providing evidence not just of physical limitations but also of the mental and emotional challenges that contribute to their disability status. Strategies for Effectively Presenting Your Case to Insurers When presenting a disability claim to insurers, clarity and thoroughness are so... --- > Understand your rights with Tim Louis' comprehensive guide to personal injury law. Learn how to navigate claims, secure compensation, and protect your interests. Essential reading for anyone seeking justice. Explore now! - Published: 2024-05-15 - Modified: 2025-02-15 - URL: https://timlouislaw.com/guide-to-personal-injury-law/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips Your Rights: A Guide to Personal Injury Law in Canada by Tim Louis Overview of Personal Injury Law in Canada Personal injury law includes legal rights and remedies offered to individuals who have been harmed due to another party's negligence or intentional actions. In Canada, this area of law aims to restore the injured person to the position they would have been in had the injury not occurred. This compensation can cover physical injuries, emotional distress, and financial losses. Knowing your legal rights is crucial if you're involved in an accident or suffer an injury. Awareness of the processes and potential compensation available can profoundly impact the outcomes of personal injury claims. Victims are often entitled to more than they realize, and understanding these entitlements is the first step towards recovery and justice. Tim Louis has built a reputation as a compassionate personal injury attorney for those affected by personal injuries in Vancouver. With 40 years of experience and a deep understanding of Canadian personal injury law, Tim is committed to providing personalized legal support. His approach ensures that clients not only receive comprehensive legal advice but also feel understood and respected throughout their legal journey. What a Personal Injury Lawyer Does A personal injury lawyer in Canada specializes in tort law, encompassing all legal responsibilities and remedies involved in civil lawsuits arising from wrongful conduct. They focus primarily on cases related to physical or psychological injury. This specialty involves securing compensation for the injured party through the identification of negligence, constructing a complete argument that proves this negligence, and representing the client's interests throughout legal proceedings. When to Hire a Personal Injury Lawyer: Immediate Need: Following an accident where injuries have been sustained, legal representation can help navigate the complexities of insurance claims and potential litigation. Complex Cases: If the case involves complicated legal rules, or when the injuries are so severe that they might lead to significant compensation, professional legal help is crucial. Insurance Company Issues: Whenever an insurance company refuses to settle a claim in good faith, a personal injury lawyer can ensure that the client's rights are fully protected. Types of Cases Handled Personal injury lawyers in Canada handle a variety of cases where individuals have suffered harm due to another party’s negligence. Here are some of the common types of cases: Slip and Fall Accidents: These occur when a person trips or slips and is injured on someone else's property. These cases frequently revolve around proving that the property owner was negligent in maintaining the property safely. Medical Malpractice: When healthcare professionals deviate from the standards of their profession, causing harm to a patient, it can lead to complex legal proceedings. These cases require a lawyer who is well-versed in both the legal and medical nuances that typically arise. Workplace Injuries: Personal injury law also covers accidents that occur in the workplace. This can include everything from slip and fall injuries to more complex cases involving industrial diseases or long-term health issues caused by the work environment. In Canada, personal injury law varies by province and territory as each jurisdiction has its own laws and statutes regarding negligence and personal injuries. When addressing personal injury claims in Canada, understanding the principle of 'duty of care' and how it applies to different scenarios is crucial. This legal obligation ensures that individuals and organizations act towards others and the public with watchfulness, attention, caution, and prudence that a reasonable person in the circumstances would. Whether it’s a slip and fall on an icy sidewalk, a botched medical procedure, or an unsafe work environment, understanding when to seek the help of a qualified personal injury lawyer can be vital. Their expertise not only aids in navigating the legal landscape but also in securing the compensation necessary to aid recovery. For those in Canada, finding a lawyer, like Tim Louis, who understands the intricacies of provincial laws will be a key factor in the success of their case. Starting Your Claim Immediate Steps After an Accident to Protect Your Rights When involved in an accident, taking the right steps immediately can significantly influence the outcome of any subsequent legal action or insurance claim. The initial focus should be on health and safety; however, following these steps can help protect your legal rights: Document the Incident: As soon as it is safe to do so, document every detail of the accident. Use your smartphone to take pictures of the accident scene, your injuries, and any damages to your property or the environment. This evidence can be crucial in establishing the facts later. Report the Accident: Notify the police or relevant authorities immediately. For workplace accidents, report to your supervisor or employer. Official reports can serve as vital evidence in your personal injury claim. Seek Medical Attention: Even if your injuries seem minor, it is essential to get a medical evaluation. Some injuries are not immediately apparent but could have significant long-term effects. Medical records will serve as crucial evidence of the extent of your injuries and their impact on your life. Gather Witness Information: If there are witnesses, collect their contact information. Statements from witnesses can provide independent accounts that may support your version of events. Consult a Personal Injury Lawyer: Early legal advice can be invaluable. A personal injury lawyer can guide you through the legal processes and help in preserving evidence that may be crucial for your case. Statute of Limitations for Personal Injury Claims in Canada In Canada, the statute of limitations for personal injury claims varies by province, but generally, you have up to two years from the date of the accident to file a lawsuit. This period allows you to initiate legal proceedings; failing to act within this timeframe typically results in losing the right to claim damages. Here's how it applies: British Columbia, Alberta, and Ontario: Generally, you have two years from the accident date or from when you first acknowledged the injury. Special Circumstances: In cases involving minors or individuals under disability, these... --- > Struggling with an autoimmune disease? Discover your rights with Tim Louis Law. Our expert guide covers everything you need to know about securing long-term disability claims in Canada. Learn how to navigate the claim process, understand eligibility requirements, and maximize your benefits. Get the support you deserve today. Visit now to start your journey toward financial and medical relief! - Published: 2024-05-09 - Modified: 2025-06-05 - URL: https://timlouislaw.com/long-term-disability-claims-for-autoimmune-diseases/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law - Tags: autoimmune disease, long term disability claims How to Secure Long-Term Disability Claims for Autoimmune Diseases in Canada by Tim Louis In Canada many people across the country suffer from various autoimmune diseases. Diseases such as rheumatoid arthritis, lupus, and multiple sclerosis disrupt the lives of millions requiring ongoing medical attention and care. When living with an autoimmune disease, the potential disruption to one’s ability to work and maintain a normal life can be profound. An inability to work makes it important to understand and manage long-term disability claims, which serve as a vital support system for those whose lives are hindered by such chronic conditions. Navigating the complexities of these claims, however, requires more than just a surface understanding; it demands a deep and empathetic approach to addressing the unique challenges faced by everyone. Tim Louis is a lawyer with deep expertise in the domain of disability claims for autoimmune diseases. He has dedicated his career to helping individuals secure the long-term disability benefits they are entitled to, combining his legal expertise with a compassionate approach that acknowledges the personal and often emotional journey involved in each case. His commitment is to not only secure these claims but also to educate and empower his clients, providing them with the tools and knowledge necessary to navigate the legal landscape of disability claims. Each client is seen and treated as an individual, not just cases, fostering a deeper understanding and trust that is crucial for a successful legal partnership. The process of securing long-term disability claims for autoimmune diseases in Canada can be difficult. Whether you are just beginning to explore your options or are seeking to appeal a denied claim, this guide is designed to provide you with essential knowledge and strategies to empower your journey towards securing the support you deserve. Overview of Specific Autoimmune Diseases and Their Impact on Daily Life Autoimmune diseases vary widely in symptoms and impact, affecting every aspect of daily life from physical capabilities to mental health. Here's a brief description of each of the 16 specific autoimmune diseases and how they might qualify as long-term disabilities: Rheumatoid Arthritis (RA): Characterized by painful swelling in the joints, particularly in the hands and feet, which can lead to significant joint damage and loss of function over time. Type 1 Diabetes: This disease causes the immune system to attack insulin-producing cells in the pancreas, leading to high blood sugar levels that can cause various health issues, including nerve damage, heart disease, and kidney damage. Systemic Lupus Erythematosus (SLE): SLE is a complex disease that can affect the skin, joints, kidneys, brain, and other organs, leading to a wide range of symptoms, including fatigue, joint pain, and severe organ damage. Inflammatory Bowel Disease (IBD) including Crohn's Disease and Ulcerative Colitis: These conditions cause chronic inflammation of the gastrointestinal tract, leading to pain, severe diarrhea, fatigue, and weight loss. Psoriasis: An immune-mediated disease that causes red, scaly patches on the skin. It can be painful, itchy, and lead to significant physical discomfort and emotional stress. Psoriatic Arthritis: Often accompanying psoriasis, this condition involves joint pain and swelling that can lead to joint damage and disability. Lupus (again referring to SLE): As mentioned, lupus affects multiple organs and can cause symptoms ranging from mild to life-threatening. Sjögren’s Syndrome: Primarily affects the body’s moisture-producing glands, leading to persistent dryness, particularly of the eyes and mouth, which can severely affect quality of life. Alopecia Areata: An autoimmune disease that causes hair to fall out in small patches, which can be psychologically distressing and affect self-esteem. Vitiligo: Causes loss of skin pigment, resulting in white patches on the skin. It can affect any part of the body and may impact an individual's appearance and emotional well-being. Pemphigus: A group of immune disorders that cause blistering and sores on the skin and mucous membranes. Scleroderma: Leads to hardening and tightening of the skin and connective tissues. It can also affect internal organs and lead to significant physical limitations. Hashimoto's Thyroiditis: Causes chronic inflammation of the thyroid gland, leading to reduced thyroid function and symptoms like fatigue, weight gain, and cold sensitivity. Graves' Disease: An autoimmune disorder that results in the overproduction of thyroid hormones (hyperthyroidism), which can affect various body systems. Myasthenia Gravis: Causes weakness in the skeletal muscles responsible for breathing and moving parts of the body, which can lead to high levels of fatigue and physical limitations. Guillain-Barre Syndrome: An acute disorder that causes rapid-onset muscle weakness and, in severe cases, paralysis, which can require long-term rehabilitation. How These Conditions Qualify as Long-Term Disabilities Each of these conditions can qualify as a long-term disability due to their chronic nature and the significant impact they can have on an individual’s ability to perform everyday activities, including work. In Canada, long-term disability benefits are designed to provide financial assistance to people who are unable to work for an extended period due to a medical condition. The unpredictability and severity of symptoms, along with the need for ongoing medical treatment, make autoimmune diseases prime candidates for such benefits. Living with these conditions often requires adjustments in lifestyle, continuous medical care, and significant support. Without securing long-term disability claims to manage the disease effectively, maintaining a reasonable quality of life is very difficult. Long-Term Disability Insurance Long-term disability (LTD) insurance in Canada serves as a crucial safety net for those who find themselves unable to work due to chronic illnesses, including autoimmune diseases. This form of insurance is designed to provide financial support by replacing a portion of the income lost, due to a disability. Typically, LTD benefits begin after a short-term disability period ends, or after an elimination period, which is usually a few months. These benefits can continue until the individual is able to return to work, reaches the age of retirement, or for a set period defined in the policy. For individuals with chronic autoimmune conditions, the significance of LTD insurance cannot be overstated. Autoimmune diseases are often unpredictable and can flare up suddenly, leading to acute periods where... --- > Navigating Long-Term Disability Claims for PTSD: A Comprehensive Guide. Learn how PTSD impacts work and personal life, and how to secure the support you need. - Published: 2024-04-08 - Modified: 2025-04-27 - URL: https://timlouislaw.com/long-term-disability-claims-for-ptsd/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law - Tags: long term disability, ptsd Navigating Long-Term Disability Claims for PTSD: A Comprehensive Guide by Tim Louis Post-traumatic Stress Disorder (PTSD) is a psychological condition triggered by witnessing or experiencing a deeply traumatic event. Its symptoms can cast long shadows over one's work life and personal relationships, often manifesting as intense anxiety, disturbing flashbacks, and a persistent sense of danger that can make everyday functions daunting tasks. This is why understanding PTSD's implications on long-term disability (LTD) claims is so critical. It is not just about securing a financial safety net—it's about recognizing and addressing the profound, ongoing impact PTSD has on a person's ability to lead a fulfilling professional and personal life. Our aim is to provide a clear pathway through the complexities of LTD claims for those living with PTSD, empowering them with the information they need to navigate this challenging process. Understanding PTSD Post-traumatic Stress Disorder (PTSD) is more than a reaction to stress; it is a profound psychiatric condition that arises in the aftermath of experiencing or witnessing traumatic events. The common elements of PTSD include intrusive memories, heightened anxiety, emotional numbness, and an exaggerated startle response. Often these symptoms persist for months or years, altering the course of one’s life. The diagnosis of PTSD presents unique challenges due to its inherently invisible nature. Unlike physical ailments, there are no X-rays or blood tests that can definitively diagnose PTSD. Mental health professionals rely on patient-reported symptoms and behavioral observations, making the diagnosis largely subjective and often misunderstood. This invisibility extends beyond diagnosis—it often means that those suffering from PTSD bear their burden in silence, struggling with an internal turmoil that isn't always apparent to outsiders. The consequences of this can reverberate through their work performance, personal relationships, and overall quality of life. It is this unseen aspect that also complicates long-term disability claims for PTSD. Without the 'visible' evidence of trauma, sufferers may find their experiences and symptoms questioned or minimized, facing skepticism that other disability claimants may not encounter. By understanding this, the legal aspects of PTSD claims becomes not just a matter of legal process but of empathy and advocacy for those whose suffering is not outwardly visible but etched deep in the psyche. The Importance of Documentation When contending with PTSD long-term disability claims, the significance of meticulous medical documentation cannot be overstated. It serves as the bridge between the lived experience of PTSD and the proof required for a successful claim. A comprehensive record, detailing the extent of the condition and its effects on daily functioning, is paramount in validating the invisible battle waged within. Patients should be diligent in: Securing thorough evaluations from psychologists or psychiatrists, as their expert observations are crucial. Keeping a diary that chronologically captures the frequency and intensity of symptoms. Documenting all treatments and responses, underscoring the ongoing commitment to managing the condition. Clear communication with healthcare providers is equally important. One must articulate the specific challenges faced in the work environment due to PTSD and ensure they are reflected in your medical records. This not only enhances the understanding of the condition's impact but also solidifies the medical evidence necessary for substantiating the claim. Detailed records are the protection against the skepticism that so often shadows mental health claims, and they are the advocates' best tool in the acknowledgment of and support from disability insurance entities. Long-Term Disability Claims for PTSD Securing long-term disability benefits for PTSD demands clear evidence that the disorder significantly impacts one's ability to work. Central to this process is a confirmed diagnosis from a qualified medical practitioner, which serves as a foundation of any claim. It’s a formal recognition that validates the presence and severity of the condition. A comprehensive evaluation by a mental health professional is essential, providing a detailed account of symptoms, treatments, and prognoses. This evaluation often requires thorough psychological assessments, ongoing therapy records, and a detailed history of the condition's impact on everyday functionality. The insurance provider will assess the claim against specific criteria outlined in the policy. These typically include the inability to perform the duties of one's occupation and, after a certain period, any occupation for which the claimant is reasonably suited by education, training, or experience. It is not uncommon for insurers to request regular updates on the claimant’s condition to continue benefits. Thus, a continuous relationship with a healthcare provider who understands the implications of PTSD on employment is indispensable. This ongoing medical support and documentation will reinforce the legitimacy of the claim over time. Common Reasons for Claim Denials In the intricate landscape of Canadian law regarding long-term disability claims, denials for PTSD-related claims often hinge on several common factors: Lack of Objective Evidence: Insurers may perceive the evidence as insufficient due to PTSD's psychological nature. Medical documentation that doesn’t show ongoing, consistent treatment. Absence of evidence that PTSD symptoms are severe enough to impede work. Inconsistencies in Reporting: Differences between personal accounts of impairment and clinical assessments can lead to questions of credibility. Discrepancies between what is reported by the claimant and what is observed by healthcare providers. Non-Adherence to Recommended Treatments: If a claimant is not following prescribed treatment plans, insurers might argue the condition is not as disabling as claimed. Not taking prescribed medications or missing therapy sessions. Policy-Specific Exclusions or Limitations: Certain policies have specific exclusions related to mental health conditions that can be used to deny a claim. Limitations on the duration of benefits for mental/nervous conditions. A denial letter should precisely outline these reasons and provide a foundation for the next steps. It's not only about clarifying the insurer's stance but also about informing the claimant about what is necessary for a successful appeal. Understanding and addressing these points is vital in challenging the decision and moving forward with the claims process. This is where a long-term disability lawyer, like Tim Louis, becomes a vital support in your fight to get the support you deserve. Navigating the Appeal Process When a long-term disability claim for PTSD is denied in Canada, it’s... --- > Discover how to navigate personal injury claims with Tim Louis, a seasoned personal injury lawyer in Vancouver. Learn the steps to secure just compensation, understand the complexities of personal injury law, and find out how Tim Louis can support your recovery and legal journey. Contact us today for a personalized consultation. - Published: 2024-04-08 - Modified: 2024-04-19 - URL: https://timlouislaw.com/personal-injury-claims-and-finding-the-right-lawyer/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips - Tags: personal injury claims, Personal Injury Lawyer, personal injury tips From Incident to Inquiry: Personal Injury Claims and Finding the Right Lawyer by Tim Louis The journey through a personal injury claim is often complicated with more than just physical pain; it carries a heavy emotional burden that can ripple through every part of your life. When you suffer a personal injury, it is not just the immediate physical harm that you must deal with — it's the many further challenges. Medical appointments become a staple of your calendar, recovery overshadows daily routines, and the uncertainty of financial stability looms large as work hours decrease or cease altogether. Navigating the complexities of a personal injury claim can be as complex as the injury itself. It is a process that calls for not only legal wisdom but also a nuanced understanding of the injured person's lived experience. This is where the expertise of Tim Louis, a personal injury lawyer in Canada with a distinguished career, becomes invaluable. His approach goes beyond the transactional nature of law; it is about combining expertise with empathy, about turning legal practice into a lifeline for those blindsided by injury. With four decades dedicated to the intricacies of personal injury law, Tim Louis stands out for his deep commitment to advocacy and client-centric legal service. He is known not just for representing clients but for championing their right to just compensation, while offering understanding and support throughout the legal journey. His track record speaks to a career built on the tenets of justice and client well-being, making him the lawyer of choice for those in need of legal support through personal injury claims. Immediate Steps After an Injury After experiencing a personal injury, the swiftness and clarity of your actions can significantly influence your recovery and any subsequent claims. The initial step, vital to both your health and any future legal action, is to seek immediate medical attention. Not only does this provide a necessary assessment and commencement of treatment for your injuries, but it also ensures that there is a timely and official record of the harm you have experienced—a record that can prove vital later. Equally critical is the careful documentation of the incident. This includes gathering photographic evidence, securing witness accounts, and retaining any physical proof that could be important. The details captured in these early moments can offer an irrefutable narrative of the events, laying a foundation of fact that can handle the scrutiny of even the most contentious legal examinations. The complexity of injury claims and the preservation of evidence and rights is a process that benefits immensely from early legal counsel. Engaging with a lawyer promptly can safeguard your claim against the effects of time and conflicting accounts. Tim Louis’ firm provides a swift, compassionate, and thorough legal consultation to ensure that no critical step is missed and that the rights of the injured party are resolutely protected from the outset. Remember, the path to compensation is as much about legal support as it is about the precision of your initial responses. Understanding Personal Injury Claims Understanding personal injury claims is crucial for anyone who has been harmed due to another's negligence. Personal injury law is designed to protect individuals who have been injured, physically or psychologically, because of someone else's wrongdoing or carelessness. These claims serve as a means for the injured party to receive compensation for the losses they have suffered—due to medical expenses, lost wages, or the pain and suffering endured. The steps involved in filing a personal injury claim can be quite complex and typically follow a structured process. Initially, the injured party, often with the assistance of a lawyer, must establish the grounds of the claim by proving another party's liability. This involves collecting relevant evidence and medical records. Once liability is established, the claim is officially filed, which sets the legal process in motion. The next phase is often negotiation, where the lawyer and the insurance company or responsible party discuss a potential settlement. If a fair settlement cannot be agreed upon, the claim may proceed to litigation. During this phase, each side prepares legal arguments, and the case may eventually be decided by a judge or jury. Throughout this process, from the initial notification to the final resolution, it's essential to have knowledgeable legal guidance. A personal injury lawyer navigates these steps, advocating on behalf of the injured individual to secure just compensation that reflects the gravity of their losses and suffering. Common Types of Personal Injury Claims In personal injury law, certain types of claims arise with greater frequency, each carrying its own set of challenges and complexities. Workplace injuries form a significant category. Regardless of the work environment, be it an office, a factory, or a construction site, employers have a duty to maintain a safe workplace. When this responsibility is neglected, resulting in an injury, the pathway to legal recourse demands a meticulous approach to detail and evidence. Slips, trips, and falls, often underestimated, are no less impactful. A wet floor, an icy walkway, or a loose carpet can lead to severe injuries with long-term consequences. These cases depend on the establishment of negligence, usually on the part of a property owner or manager who failed to maintain a safe environment. The success stories in Tim Louis' practice offer tangible examples of navigating these personal injury claims to resolution. They reflect a thorough understanding of the law and an unwavering commitment to clients. These narratives often share a common thread: diligent preparation, skillful negotiation, and, when necessary, persuasive argumentation in the courtroom. Each story is a testament to the resilience of the human spirit and the importance of expert legal support in seeking justice. Through his practice, Tim Louis has enabled countless individuals to reclaim their lives following personal injuries, highlighting the transformative power of dedicated legal advocacy. Read client testimonials here. Choosing the Right Personal Injury Lawyer Choosing the right personal injury lawyer is a decision that can have a significant impact on the outcome of your case. It's... --- > Discover the leading causes of disability claims in Canada with Tim Louis Law. Expert insights and legal support to navigate your disability claim successfully. Contact us for a free consultation and secure the benefits you deserve. - Published: 2024-03-22 - Modified: 2025-03-17 - URL: https://timlouislaw.com/what-are-the-leading-causes-of-disability-claims-in-canada/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law Introduction to Disability Claims When looking into Canada’s disability claim landscape, it reveals a two-fold path: short-term and long-term disability claims. Short-term disability claims cater to those temporarily unable to work due to injury or illness, acting as a bridge to recovery. In contrast, long-term disability steps in when the road to recovery extends beyond the immediate horizon, offering sustenance for both quality of life and financial stability over an extended period. The impact of being unable to work goes far beyond the individual, affecting family dynamics, societal contributions, and one's sense of purpose and identity. Disabilities often cast a long shadow over one's career, altering not just daily routines but also long-term employment prospects and ambitions. For many, their work is more than a paycheck; it's a vital part of their social fabric and self-esteem. When disability strikes, this fabric can unravel, leaving individuals to honestly face the reality of their situation. It’s not just about adapting to a new normal but about reshaping one’s future in the face of unforeseen challenges. Navigating this complex space requires understanding, empathy, and a legal framework that supports and acknowledges the depth of the impact on one’s life. In Canada, understanding the small details of disability claims is crucial. It ensures that those who find themselves at a crossroads have a clear path to the support they need. Life doesn’t pause in the face of disability, and thus, the law steps in to provide a semblance of continuity. It acknowledges the silent battles waged behind closed doors and seeks to offer a sense of normalcy during life-altering changes, underscoring Canada’s commitment to its citizens' well-being.   Statistical Insights into Long-Term Disability Rates in Canada Delving into the heart of Canada’s disability claims uncovers a rising tide across all walks of life. The current disability rate has climbed to 27. 0% nationwide, with a significant increase of 4. 7 percentage points from 2017 to 2022. This increase is not confined to any single demographic or region, illustrating a widespread and concerning trend (Statistics Canada, 2022). One of the most poignant narratives in this trend is the prevalence of mental health-related claims. Such claims have surged by 3. 2 percentage points since 2017, now accounting for 10. 4% of the total Canadian population’s reported disabilities. Pain-related and seeing disabilities follow, contributing to the national rise. Moreover, mental health issues alone now represent 70% of total disability costs, underscoring their significant financial and societal impact (Statistics Canada, 2022; Benefits and Pensions Monitor News, n. d. ). This wave of increasing claims is magnified by the advancing years of the Canadian workforce. As we age, chronic diseases like diabetes, heart disease, cancer, and musculoskeletal disorders become more prevalent, which may be propelling an increase in disability claims. For instance, individuals over 65 years of age experience a markedly higher disability rate of 40. 4% (Statistics Canada, 2022). For employers and policymakers, these insights beckon a call to action—a comprehensive approach to tackling the root causes of disability claims, from enhancing mental health support to adapting workplaces to the evolving needs of an aging workforce. Sources: Statistics Canada. (2022). New data on disability in Canada, 2022. Benefits and Pensions Monitor News. (n. d. ). Addressing the Troubling Trend of Rising Disability Claims in Canada. Causes of Long-Term Disability in Canada As we dig deeper into the causes of disability claims in Canada, the main health issues that emerge are: mental health concerns, musculoskeletal disorders, and chronic illnesses. Mental Health Long-Term Disability Claims Mental health, an area of illness long shrouded in silence, now comes to the forefront, exacerbated by the global crisis of COVID-19. The pandemic has left an indelible mark on our collective psyche, increasing stress and anxiety among Canadians. The impact is profound, with a report suggesting that during the early phase of the pandemic in 2021, many adults in Canada were actively seeking ways to manage their mental health, engaging in a variety of activities to stay connected and grounded. However, it is a stark reality that, as reported by the Public Health Agency of Canada, the mental well-being of Canadians has been significantly challenged during this period. This amplifies the conversation around mental health, which now accounts for an astounding 70% of total disability costs (Public Health Agency of Canada, 2021; Benefits and Pensions Monitor News, n. d. ). Isolation and the pervasive influence of social media have played notable roles in the escalation of mental health claims. In a societal shift, the once-prevalent stigma surrounding mental health is being eroded, encouraging more individuals to seek help and subsequently file disability claims (Benefits and Pensions Monitor News, n. d. ). Musculoskeletal disorders Musculoskeletal disorders remain a prevalent cause of disability claims, intricately linked with workplace ergonomics and practices. Jobs demanding repetitive motions or poor postural habits are often catalysts for conditions that incapacitate workers, leading to claims. Musculoskeletal disorders (MSDs) are a considerable concern in the Canadian workforce, as they encompass a range of conditions that affect the muscles, tendons, and nerves. Fibromyalgia, a chronic condition characterized by widespread musculoskeletal pain, is among these ailments, along with carpal tunnel syndrome, tendonitis, and arthritis. These conditions often result from or are exacerbated by workplace activities, particularly those involving repetitive motion, heavy lifting, or prolonged periods of sitting or standing in ergonomically unfriendly environments (Canadian Centre for Occupational Health and Safety , n. d. ; Manulife, 2024). The prevalence of MSDs has led them to account for a significant percentage of total annual compensation claims, with figures ranging from 25% to 60% depending on the jurisdiction. These disorders can be highly debilitating, impacting individuals’ abilities to perform daily tasks at work, at home, or during recreational activities. The recovery from MSDs can be protracted, with some cases resulting in permanent disability (CCOHS, n. d. ). The relationship between workplace practices and the health of the musculoskeletal system is crucial. For example, adopting proper lifting techniques and using ergonomic tools can help prevent the development of... --- - Published: 2024-03-18 - Modified: 2025-03-17 - URL: https://timlouislaw.com/understanding-ibs-and-long-term-disability-claims/ - Categories: disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer Understanding IBS: A Comprehensive Guide for Long-Term Disability Claims by Tim LouisIrritable Bowel Syndrome (IBS) is more than just an occasional upset stomach; it's a chronic condition that can profoundly disrupt daily life. For those living with IBS, the unpredictability of symptoms – from severe cramps to digestive distress – can turn routine tasks into extraordinary challenges. It's this pervasive impact that underscores the need to understand IBS, particularly when it hampers one's ability to work consistently. Recognizing the gravity of IBS as it relates to long-term disability claims is crucial. In Canada, understanding your rights and the complexity of disability claims is essential, especially if you have applied for Long-term disability compensation and been denied by your insurance company. The path to fair compensation is possible with the guidance of a long-term disability lawyer like Tim Louis, who can offer guidance through the complex process of disability claims, while acknowledging the silent struggles behind chronic conditions, and fighting for your rights.   What is Irritable Bowel Syndrome (IBS)? Living with IBS means navigating a condition that can turn one's daily routine into a series of challenges. This syndrome, with its varying types, presents an array of symptoms including abdominal pain, bloating, and inconsistent bowel movements that can shift between constipation and diarrhea. These symptoms, often aggravated by specific foods, stress, or other triggers, require individuals to stay vigilant about their lifestyle choices and stress management. This condition, with its unpredictability, makes routines that many take for granted very difficult.   The Impact of IBS on Daily Living Living with IBS can significantly impact daily life and employment. The unpredictable flare-ups can disrupt not only personal and social activities but also professional responsibilities, often without warning. Imagine a teacher having to leave in the middle of a class or a chef unable to remain in the kitchen during a dinner rush due to sudden IBS symptoms. These scenarios highlight the disabling effects of IBS, as the need for frequent restroom breaks or the pain and discomfort can hinder concentration, performance, and presence in the workplace. It's these incapacitating aspects that underscore the importance of recognizing IBS in disability claims, advocating for fair compensation and accommodations in the workplace. The implications of IBS extend beyond physical discomfort and impact every part of a person's life. For the working individual, IBS can mean unpredicted and frequent breaks, which can disrupt workflow and productivity, often necessitating a need for accommodations. The social aspect of life also takes a hit – long commutes, travel, or simple outings require strategic planning to manage the condition's unpredictability. This is a life-changing condition that requires legal support.   Navigating Disability Claims with IBS Proving a disability claim for IBS involves navigating the nuanced intersection of medical symptoms and their impact on employment. For individuals living with IBS, the fluctuating nature of the condition makes it challenging to illustrate a consistent level of disability to insurers. Claims must illustrate how IBS's unpredictable symptoms create an untenable work environment, requiring a strategic presentation of both the condition's severity and its effect on professional life. When preparing for a disability claim in Canada, the medical evidence must be both robust and precise. This includes detailed physicians' notes, diagnostic test results, and a well-documented history of treatments and responses. Additionally, records should reflect the functional limitations imposed by IBS, such as the need for frequent breaks or reduced productivity, to establish a clear link between the medical condition and the inability to work.   Legal Considerations for IBS Disability Claims Navigating the legal landscape of IBS disability claims is difficult—precision and understanding of complex legal standards are required. Claimants face the arduous task of not just proving the existence of IBS but demonstrating its disabling impact under the scrutiny of legal definitions and policies. The value of legal expertise cannot be overstated. A seasoned disability lawyer, like Tim Louis can be the difference between a claim that flounders and one that finds its footing. Lawyers who specialize in disability law can dissect medical reports, align them with legal criteria, and present a compelling case that underscores the disabling nature of IBS. They act as navigators, steering claimants through the legal nuances and procedural mazes that might otherwise be overwhelming. When claims are rejected by insurance companies, a lawyer can be there to fight for your rights and get you the compensation you deserve. Tim Louis is adept at counteracting the typical pushbacks from insurers, crafting appeals that resonate with adjudicators, and ensuring that claimants' rights are fiercely protected. With his guidance, claimants can face the legal challenges of IBS disability claims not just with hope but with a strong legal strategy geared towards success.   Building a Strong IBS Disability Claim Building a strong IBS disability claim in Canada requires meticulous documentation and a strategic approach that aligns with the Canadian Centre for Disability Benefits. Here's a guide to crafting your claim: Initial Diagnosis and Treatment Records: Begin with a comprehensive record of your initial diagnosis, including colonoscopy reports, clinical notes, and diagnostic findings. This forms the cornerstone of your claim. Ongoing Treatment Documentation: Keep a thorough record of all treatments and responses, demonstrating a consistent medical journey. This should include medications prescribed, any therapies undertaken, and notes from healthcare providers on the efficacy of treatments. Symptom Diary: Maintain a daily log of your symptoms, their severity, and frequency. Note how they impact your ability to perform work-related tasks, including days when you were unable to work or needed to leave early. Specialist Consultations: Document visits to gastroenterologists or other specialists, highlighting any recommendations or changes in treatment they suggest. These professional opinions carry weight in assessing the seriousness of your condition. Impact Statements: Prepare personal impact statements detailing how IBS affects your daily life and work. These narratives should connect your symptoms with real-life limitations. Ensure that this documentation is up-to-date, as consistency and continuity in medical treatment and records are pivotal in substantiating your claim under Canadian law. A... --- > Explore the essential steps in a personal injury claim with Tim Louis Law, covering immediate actions, evidence gathering, legal consultation, and more. Learn how to navigate the claim process for a fair resolution. - Published: 2024-02-29 - Modified: 2024-02-29 - URL: https://timlouislaw.com/steps-in-a-personal-injury-claim/ - Categories: Personal injury, Personal Injury Litigation Tips What are the key steps in a personal injury claim? Starting a personal injury claim in Canada is a process that's both important and complex. It's about knowing what to do after an injury, like getting medical help right away and finding a good lawyer to help you. Understanding each step in the claim process is key to making sure you're treated fairly and get what you need to recover. With the right support, you can go through this process with more confidence and less stress, knowing that your rights will be protected.   Immediate Actions Post-Injury Right after an injury, taking immediate and appropriate action is crucial, both for your health and for any potential claim you might have. The first thing you need to do is get medical attention. It’s vital to look after your health and well-being because some injuries might not immediately be apparent, and you need to have an official medical record from the start. These records are powerful evidence that link your injury directly to the incident, which is essential when you're making a claim. Documenting every aspect of your injury and the circumstances surrounding it is so important. From the moment an injury occurs, every piece of evidence can serve a vital role in substantiating your claim. Photos of the injury site, detailed notes of your physical and emotional state, and accounts from any witnesses form a body of evidence that can strongly support your case. Furthermore, keep a diary of your post-accident experiences. Document your daily pain levels, any limitations you encounter, and how the injury affects your everyday life. These personal records can illustrate the extent of your suffering and the impact on your quality of life, which can be crucial when it comes to negotiating settlements. Remember, meticulous documentation is a key to a successful personal injury claim, turning individual pieces of evidence into a compelling narrative for your right to compensation.   Gathering Evidence Gathering the right evidence is pivotal in personal injury claims, as it forms the foundation of your case. You’ll need a comprehensive collection of documents and materials, starting with medical reports that detail the extent of your injuries and their potential long-term effects. Equally important are any police reports, which serve as an official record of the incident, and any surveillance footage or photographs of the scene to establish the facts surrounding the event. Detailed evidence from your life, post-injury, is also vital. This might include journals or calendars that track your daily pain levels, adjustments in lifestyle, and any missed activities or work. Gather statements from family, friends, or co-workers who can attest to the impact of the injury on your life. Additionally, keep receipts for all expenses related to your injury — medical treatments, travel to appointments, renovations for accessibility, and any assistive devices you may now require. Collecting this evidence may involve multiple steps and interactions. For digital evidence, ensure you have secure copies saved in multiple locations. For physical evidence, keep it in a safe, dry place, and for documents, consider having both physical and digital copies. Remember to collect and organize evidence methodically, as this will facilitate a smoother legal process. Your diligence in evidence preservation is a critical component in the pursuit of a fair and just resolution to your personal injury claim.   Consulting a Personal Injury Lawyer Consulting with a personal injury lawyer like Tim Louis can be a transformative step in managing your injury claim. A lawyer brings a wealth of knowledge to the table, not just in legal terms but in understanding the nuances of negotiation and claims adjustment. A good lawyer serves as your advocate, a voice that articulates the pain of your experience to insurance companies and courts. With a legal expert, you’re not just another case; you are someone with a story that needs to be heard, and damages that need to be honored. In your initial consultation with Tim Louis, you'll find a compassionate advocate to share the details of your case. This is where your journey from injury to recovery begins – with a careful review of the incident, an assessment of your injuries, and a strategic plan for moving forward. Tim Louis will explain the process in clear terms, setting realistic expectations and preparing you for the steps ahead. It’s a personalized roadmap, designed to navigate through the complexities of your claim. During this first meeting, you should feel empowered to share your story, ask questions, and understand your rights. Tim Louis will ensure you know what to expect in terms of timelines, potential outcomes, and the services he will provide. It's about building a partnership, one where your well-being and rightful compensation are the primary focus. From this point, every decision is made with your best interests in mind, aiming to secure the most favorable outcome for your situation.   Filing the Claim Filing a personal injury claim begins with an intricate dance of legal paperwork, each step crucial in its own right. It's a process that demands precision and an eye for detail. You will encounter forms that need to be filled out with absolute accuracy—statements of claim, notices of civil claim, and other legal documents that lay out the narrative of your injury and its repercussions on your life. This paperwork is the foundation upon which your claim is built, the first formal step in seeking compensation. The timeline for filing a claim in Canada follows strict guidelines. From the moment of injury, a clock starts ticking, counting down the days you must file your claim. In British Columbia, this is typically two years from the date of the incident. This period is your window of opportunity to start the legal process, and it's crucial not to miss it. Tim Louis and his team can help ensure that all the necessary paperwork is filed accurately and promptly, safeguarding your right to seek justice. The complexity of legal forms and the ticking clock make it clear why... --- > Navigate the complexities of intestacy and secure your legacy with Tim Louis Law. Our expert estate planning ensures your wishes are honored, assets protected, and loved ones cared for in Canada. Start your journey to peace of mind today. - Published: 2024-02-13 - Modified: 2024-12-13 - URL: https://timlouislaw.com/intestacy-in-canada/ - Categories: estate litigation, Estate Planning, Estate Services, Wills Variation - Tags: Estate Planning, Intestacy, Wills Intestacy in Canada: The importance of having a Will by Tim Louis Untitled Document Introduction to Estate Planning and Intestacy Laws Estate planning is a vital exercise that ensures your assets and loved ones are taken care of according to your wishes after you pass away. Creating a Will is an integral part of this planning process. It serves as a personal declaration dictating the future of your estate, the guardianship of minor children, and the distribution of your assets. Without a Will, you leave the distribution of your estate in the hands of Intestacy laws, which may not reflect your personal relationships or distribution wishes. This can lead to not only financial but also emotional strain on those you care most about. Intestacy — the condition of an estate when someone dies without a Will — puts the control of your estate under the Wills, Estates, and Succession Act (WESA). This could mean that individuals you intended to benefit from your lifetime of work might receive nothing, while distant relatives are awarded portions of your estate. To prevent this, estate planning is crucial for any adult in BC, regardless of the estate's size.   Decoding Intestacy: Estate Distribution Without a Will When a person dies intestate, the Wills, Estates, and Succession Act (WESA) outlines a clear, yet impersonal, legal framework for distributing the estate. This law serves to rationalize how an estate should be divided in the absence of a Will, often prioritizing spouses and children above others. However, the standardized approach of WESA does not account for the unique dynamics of every family or individual wishes. It may lead to a one-size-fits-all solution that can result in significant unintended consequences, such as the exclusion of a lifelong partner or a charity close to the heart. Moreover, the legal proceedings to settle an intestate estate can be lengthy and complicated, potentially leading to increased legal costs and delayed distribution of assets. This process often involves appointing an administrator, who then has the difficult task of settling the estate without the guidance of the deceased's personal wishes. For business owners, this could result in operational disruptions, and for families, it might lead to unnecessary stress and conflict. The simplest way to avoid these complications is by drafting a Will that clearly outlines your intentions, providing peace of mind that your legacy will be honored as you see fit.   Navigating BC’s Intestate Succession Process In the absence of a Will in British Columbia, the Wills, Estates, and Succession Act (WESA) dictates that an estate must be distributed according to the law of intestate succession. This legal process assigns a hierarchy to the deceased's relatives, beginning with the spouse and children. Should these primary beneficiaries not exist, the estate then passes on to parents, siblings, and further relatives. Each tier is approached systematically, with the assets divided among relatives based on their proximity in generational relation to the deceased. However, the impersonal nature of this system may not align with the deceased's unexpressed wishes, which can lead to complicated family dynamics and potential disputes among heirs.   Impact of Intestacy on Spouses and Children in British Columbia The impact of intestacy on spouses and children in British Columbia can be profound and multifaceted. When a person dies without a Will, the distribution of their estate is governed by BC's intestate succession laws, which may lead to outcomes that aren't in line with what might have been personally desired. For spouses, this means that their entitlement is predefined by law, potentially affecting their right to the family home. The law offers a spouse a preferential share of the estate, but this can vary depending on whether there are children from the current or a previous relationship. For children, intestacy means that their inheritance is distributed directly at the age of majority, which could be less than ideal for their future needs or the deceased’s intentions regarding their upbringing and education. If a parent passes away without specifying guardianship arrangements in a Will, it could result in the Public Guardian and Trustee stepping in until a suitable guardian is appointed by the courts, an outcome that may not reflect the deceased parent's preferences. These are just some examples of why having a Will is critical. It is the most reliable way to ensure that a spouse can maintain their home rights and that children are provided for in a manner that aligns with parental intentions. For comprehensive estate planning that safeguards your family’s future, consulting with an estate lawyer is essential.   Estate Administration Without a Will in BC Stepping into the role of an estate administrator without a Will in BC demands attention to detail, a firm sense of duty, and the ability to act with integrity in the interest of all beneficiaries. The process begins with determining your eligibility based on the province’s priority system. If you find yourself in this position, perhaps as a spouse or an adult child, you must then assess the estate's breadth, understanding both its assets and its debts. The next step involves obtaining consent from other potential administrators or beneficiaries, which is crucial to ensure a unified approach. With consent in hand, you must prepare and file your application carefully, including all necessary documents that support your petition to be the administrator. Once the court grants you the role, your responsibilities become many. You're tasked with securing the assets of the estate, settling any outstanding debts, and then distributing the remaining assets in accordance with intestate succession laws. This responsibility also extends to addressing any legal claims against the estate and maintaining a transparent line of communication with all beneficiaries. The gravity and importance of this role cannot be over stated. It requires a balance of empathy and objectivity to navigate what can be an emotionally charged process. For those who take on this responsibility, it is often done out of a sense of loyalty and commitment to the loved one they've lost. Nonetheless, seeking... --- > Get expert legal support on severance pay and wrongful dismissal from Tim Louis Law, ensuring fair employment compensation. - Published: 2024-01-31 - Modified: 2024-01-31 - URL: https://timlouislaw.com/severance-and-security/ - Categories: Severvance Pay, Wrongful Dismissal, Wrongful Termination - Tags: Severance Pay, Wrongful Dismissal Laws Severance and Security: Navigating Severance Pay and Wrongful Dismissal Laws in Canada By Tim Louis In the complex world of Canadian employment law, understanding your rights and responsibilities as either an employee or employer is not just beneficial—it's essential. This legal landscape, comprising both federal and provincial regulations, shapes every workplace. From the bustling business hubs of Toronto and Vancouver to the energy-driven markets of Alberta, these laws ensure fair play, safeguard interests, and foster a balanced working environment. Whether you're navigating the complexities of severance pay or facing the challenges of a wrongful dismissal, a firm understanding of these laws not only secures your professional standing but also your financial security. Understanding Severance Pay in Canada Severance pay serves as a cushion for employees during the transitional period after job loss, intended to bridge the gap until they find new employment. In Canada, severance is dictated by a combination of federal and provincial laws, each tailored to local economic landscapes and labor markets. Under federal regulation, severance pay is required when an employee has been with a company for at least 12 months and is laid off without cause. However, provincial regulations can vary—Ontario, for instance, has its severance pay calculations based on the length of employment and the employer's payroll. British Columbia's Employment Standards Act provides guidance on compensation for length of service, and Alberta's Employment Standards Code stipulates severance based on notice periods and weeks of pay. This varied landscape underscores the importance of seeking knowledgeable legal advice from an employment lawyer like Tim Louis, when dealing with severance pay issues, ensuring that you receive fair and just compensation aligned with Canadian employment law. Wrongful Dismissal in Canada: What You Need to Know Wrongful dismissal in Canada is a termination without just cause or adequate notice. Legally, employers are obliged to either provide appropriate notice or compensation in lieu of notice when dismissing an employee without cause. The grounds for claiming wrongful dismissal arise when these obligations are not met. To seek compensation, the wronged party must typically initiate a legal claim or complaint through the appropriate provincial employment standards tribunal or through the courts. The potential outcomes of such actions can range from monetary compensation for lost wages and benefits to, less commonly, reinstatement to the former position if deemed appropriate by the tribunal or court. It is crucial for employees to understand these rights and for employers to adhere to these legal frameworks to maintain fair and lawful workplace practices.   Employee Rights in Ontario In Ontario, employees have rights that protect their workplace well-being and ensure fair treatment under the Employment Standards Act. These rights include entitlements to minimum wage, overtime pay, and various leaves of absence, such as parental and emergency leave. The Ministry of Labour, through its enforcement arm, safeguards these rights with rigorous inspection and complaint resolution processes. Common workplace issues often revolve around disputes concerning wrongful dismissal, hours of work, or unpaid wages. Addressing these matters effectively requires a thorough understanding of legal rights and, frequently, the involvement of skilled legal counsel to advocate for rightful resolutions.     Employment Law in British Columbia: A Closer Look British Columbia's employment law landscape has undergone significant changes, aimed at enhancing protections for workers while ensuring that employers understand their obligations. A key area of reform is the increased enforcement powers of the Director of Employment Standards, who can now initiate investigations into compliance "at any time or for any reason. " This represents a proactive approach to ensuring that the Employment Standards Act and its regulations are followed diligently. Recent amendments have also modified the complaint process, allowing for greater flexibility. Employees can request to file a complaint even after the six-month deadline from their last day of work if they can demonstrate special circumstances that prevented them from doing so earlier. This change recognizes the complexities that can delay action and provides a potential avenue for recourse beyond the standard timeframe. In addition to procedural changes, British Columbia has updated its standards to better protect young workers. The general working age has been raised from 12 to 16, aligning with international standards for children's employment. This change, which took effect on October 15, 2021, is accompanied by clear definitions of what constitutes appropriate work for young workers, ensuring their safety and well-being in the workplace. The province's commitment to worker protection is further exemplified by its stance on human rights, with the BC Human Rights Code prohibiting discrimination in employment practices, from hiring to pay and termination. Employers are also mandated to take reasonable steps to prevent workplace bullying and harassment, and to adhere to safety standards established by WorkSafeBC. For unionized employees, the B. C. Labour Relations Code provides specific guidelines for wages and working conditions, distinct from the Employment Standards Act. These legislative frameworks collectively contribute to a robust system safeguarding the rights of workers in British Columbia. These changes reflect a progressive attitude towards employment law, prioritizing fair treatment and the health and safety of employees while providing clarity and support for employers to maintain compliance .   Calculating Severance in Canada Navigating the complexities of severance pay across Canadian provinces can be daunting for both employers and employees. Each province has its own set of rules and regulations that dictate how much severance pay an individual is entitled to upon termination of employment. To provide clarity, here is a comparative table of the statutory severance pay requirements for British Columbia, Alberta, and Ontario. Province Length of Service Severance Pay British Columbia 3 months - 1 year 1 week 1 year - 3 years 2 weeks 3+ years 1 additional week per year, up to 8 weeks Alberta 90 days - 2 years 1 week 2 years - 4 years 2 weeks 4 years - 6 years 4 weeks 6 years - 8 years 5 weeks 8 years - 10 years 6 weeks 10+ years 8 weeks Ontario 1 year 1 week 3 years 2 weeks Each... --- > Explore the essential guide to Cancer-Related Disability Claims in British Columbia with Tim Louis Law. Gain expert insights into long-term disability due to cancer , understand eligibility, and get the support you need to navigate the complexities of the claims process. - Published: 2024-01-17 - Modified: 2024-09-14 - URL: https://timlouislaw.com/cancer-related-disability-claims/ - Categories: cancer, disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Lawyer Cancer-Related Disability Claims - Your Path to Fair Compensation By Tim Louis Cancer is not just a diagnosis; it's a life-altering event that carries not only a health burden but also a significant financial one. For many, the reality of this illness is compounded by the question of how to maintain financial stability when work is no longer possible. This is where a Long-Term Disability claim become a possible solution. Understanding Long-Term Disability Claims for Cancer In British Columbia, long-term disability (LTD) for cancer patients is recognized when their condition severely limits the ability to work. Qualification for long-term disability is based on the presence of debilitating symptoms that persist despite treatment, rendering the insured unable to fulfill their occupational duties. Specific challenges include the unpredictability of cancer progression and treatment response, which can lead to erratic work absences and a reduced capacity to work. The legal framework in B. C. requires clear and comprehensive medical evidence to support LTD claims, ensuring that the impact of cancer on an individual's life is appropriately acknowledged and compensated. Eligibility Criteria for Long-Term Disability in Cancer Cases Cancer, with its complex array of symptoms, can often lead to eligibility for Long-Term Disability benefits. If you're battling this disease, it's crucial to understand that eligibility hinges on how your symptoms prevent you from maintaining your current employment or retraining for new work. Every aspect of your work capability is considered, from physical stamina to mental acuity. Proving the impact of cancer on your working life is a main part of the claims process. It's not just about the diagnosis; it's about how it limits you. The evidence should clearly show that the tasks you once performed now present a significant challenge due to your health condition. If you have pre-existing conditions, it's essential to distinguish the limitations they cause from those caused by your cancer. Insurers often examine pre-existing conditions closely; however, with the right approach, the focus remains on the incapacitating effects of your cancer, not your past health issues. For more detailed guidance tailored to your circumstances, a free consultation with a knowledgeable Long-Term Disability lawyer like Tim Louis can be invaluable. Common Reasons for Claim Denials In Canada, Long-Term Disability claims can be denied for several reasons, often leaving claimants in a difficult position. One common reason is insufficient medical evidence. Without comprehensive documentation detailing how cancer affects your daily life and work, insurers may not recognize the severity of your condition. Issues with pre-existing conditions can also complicate claims, as insurers may blame your disability to past health problems rather than your current diagnosis. Moreover, there can be misunderstandings about your ability to work. If insurers believe you can still perform your job or similar work despite your illness, they may deny your claim. To strengthen your claim, it's crucial to address these areas head-on, ensuring you provide thorough evidence and clear explanations to counter these common reasons for denial. Preparing a Successful Disability Claim The depth and accuracy of your medical records are vital to a successful Long-Term Disability claim, especially when dealing with something as complex as cancer. These records should not only detail every aspect of your diagnosis, treatments, and responses but also your doctors’ assessments of your functional abilities and restrictions. They should include all relevant medical tests, treatment plans, and notes from every health professional involved in your care. This information forms the foundation of your claim, illustrating the severity of your condition and its impact on your ability to work. Equally important is your personal narrative — the story that goes beyond the clinical and medical details. It's about how cancer affects your daily routine, your family life, and your career aspirations. It's an account of your struggles, the days lost to fatigue or pain, and how your illness has reshaped your world. This narrative should be honest and detailed, providing the human context to the medical facts. It should speak to the challenges you've faced in adapting to new limitations and convey the personal implications of living with cancer, completing the picture that your medical records bring to light. By connecting the medical facts with your personal experiences, you create a powerful narrative that can truly represent the impact of cancer on your life, helping those assessing your claim to understand not just the illness, but its profound effects on your ability to work and function as you once did. This dual approach ensures that all aspects of your condition are considered, offering you the best chance at receiving the support you need.  Understanding the Disability Claim Process for Cancer The strength of a Long-Term Disability claim is heavily reliant on the solidity of medical evidence and the sincerity of personal statements. A well-documented case that includes a detailed log of symptoms and the side effects of treatments speaks volumes about the real-world consequences of your medical condition. This documentation is not just about listing the facts; it's about showing the direct link between your symptoms and your reduced capacity to work. Disability lawyers play a pivotal role in this process. A Long-Term Disability lawyer like Tim Louis understands the importance of this evidence and how to present your case effectively. He will guide you in gathering the necessary documentation, crafting a compelling personal statement, and navigating the complex claims process. His expertise becomes crucial when it comes to translating medical jargon and personal experiences into a legal narrative that aligns with the requirements of the law. With his support, the journey through the disability claims process can become more manageable. His strategic approach includes not only advocating on your behalf but also educating you about your rights and the best course of action to take. With an experienced disability lawyer by your side, you can focus on your health and well-being, confident that your legal representation is diligently working to secure the benefits you are entitled to under British Columbia law. Dealing with Denied Claims If your Long-Term Disability claim is denied... --- > Discover expert legal support for chronic pain and long-term disability claims in British Columbia with Tim Louis Law. Specializing in complex disability litigation, our team provides personalized guidance and advocacy to help you navigate the challenges of chronic pain disability claims. Visit us for dedicated legal assistance and a free consultation tailored to your unique needs. - Published: 2023-12-17 - Modified: 2025-06-05 - URL: https://timlouislaw.com/navigating-chronic-pain-and-long-term-disability-claims-in-british-columbia-a-comprehensive-guide/ - Categories: disability insurance, Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer Navigating Chronic Pain and Long-Term Disability Claims in British Columbia: A Comprehensive Guide By Tim Louis Living with chronic pain is an ongoing struggle that affects every corner of one’s life, impacting not only your health and well-being, but also your ability to work. You may be entitled to long-term disability payments. At Tim Louis Law, we bring empathy and expertise to your unique situation, ensuring you feel seen and supported. Understanding Chronic Pain Chronic pain is a complex health issue, described as pain that persists for more than three months, often beyond the usual recovery period for an injury or illness. It is a type of pain that can become a consistent part of one's life, potentially affecting all aspects of their daily activities. The causes of chronic pain can range from specific health conditions like arthritis and cancer to the aftermath of injuries or surgeries. In some instances, chronic pain may even exist without a clear past injury or identifiable physical cause, making management and treatment more challenging . The psychological and emotional impact of chronic pain is significant and far-reaching. It can lead to a cycle of suffering, sleeplessness, and sadness, often referred to as the "terrible triad. " The persistent nature of chronic pain can result in depression, anxiety, irritability, mood swings, and insomnia. This interconnection suggests that chronic pain is not only a physical experience but also a mental and emotional one, where each aspect can exacerbate the other . Managing chronic pain often requires a multidisciplinary approach, integrating medical treatments with lifestyle changes and therapies to improve overall quality of life. Medications can include over-the-counter options, prescription pain medicines, antidepressants, and in some cases, opioids, although these carry the risk of addiction and are generally considered a last resort. Non-medical treatments like heat and cold therapies, physical and occupational therapy, exercise, and stress management techniques can be crucial components of a comprehensive pain management strategy . In British Columbia, resources for chronic pain management include a variety of health care professionals and specialists, pain management programs, and therapies tailored to the individual's needs. Cognitive-behavioral therapy (CBT), counseling, and alternative treatments like acupuncture, biofeedback, and mindfulness training can also be effective in managing chronic pain. It's important for individuals to work closely with their healthcare providers to determine the best combination of treatments for their specific situation . For those enduring chronic pain in British Columbia, connecting with experienced legal counsel, like Tim Louis, can be a critical step, especially when chronic pain affects one’s ability to work and live life fully. Legal expertise can guide you through the intricacies of long-term disability claims, ensuring that you receive the support and accommodations needed to manage your condition effectively. The Basics of Long-Term Disability Claims Long-term disability (LTD) in British Columbia is a crucial safety net for those who find themselves unable to work due to a prolonged or severe disability. Eligibility for LTD often hinges on having coverage under a group or private insurance policy, meeting the policy's definition of "total disability," and having an impairment that persists beyond an elimination period, typically set at 17 weeks. Distinguishing between the various disability benefits available in BC is essential: CPP Disability: A federal program requiring prior contributions to the Canada Pension Plan, it supports those who can't engage in substantially gainful work due to severe and prolonged disability. EI Sickness Benefits: These are for individuals who have contributed to Employment Insurance and are unable to work due to illness, injury, or quarantine. Private Disability Insurance: This can be through an employer group policy or a personal policy from an insurance broker, providing benefits based on the policy's terms. Disability Assistance (PWD): Administered provincially, this offers financial and health support for those with a severe and enduring impairment, with eligibility also contingent on financial need. WorkSafe BC: Delivers benefits for work-related injuries or illnesses, providing wage replacement and medical treatment reimbursements. Legal assistance in navigating these claims is paramount due to the complexity of determining which benefits you qualify for, the intricacies of application processes, and the need for robust medical evidence. Lawyers with experience in disability claims can help ensure that applications are properly filed, advocate for your rights if a claim is denied, and assist in maximizing the benefits received. For a more detailed understanding of how to apply for these benefits and to ensure that you are meeting all eligibility criteria, it's advisable to consult with a legal professional like Tim Louis, who can provide personalized advice and representation. Making a Successful Disability Claim for Chronic Pain The Challenges of Proving Chronic Pain fr Insurance Claims: Proving chronic pain to an insurance company is inherently challenging due to the subjective nature of pain. Unlike objective injuries, where an X-ray or MRI can clearly indicate an issue, chronic pain does not always have such clear indicators. This lack of objective findings can make insurance companies deny claims. Key Documentation and Credible Medical Evidence: To strengthen a chronic pain claim, it is critical to compile comprehensive documentation. This should include a thorough medical history, treatment notes from healthcare providers, results from diagnostic tests, and detailed descriptions of how the pain affects daily activities. Consistent medical treatment records and a clear narrative from your healthcare professionals explaining the chronic nature of your pain can be very persuasive. A Functional Capacity Evaluation (FCE) may also be recommended to provide objective evidence of your limitations. Tips for Maintaining Credibility and Following Doctor's Advice: Maintaining credibility is crucial when dealing with chronic pain claims. Always use prescribed medications as directed and avoid any behaviors that could be interpreted as drug-seeking. Adhering closely to the treatment plans and advice from your healthcare providers is essential. Documenting your pain levels, frequency, and its impact on your life through pain diaries or journals can add a layer of personal evidence that supports your claim. Importance of Legal Assistance in Navigating Disability Claims Legal expertise is invaluable when navigating the complexities of a disability... --- > Explore the complexities of Wills variation and estate litigation in British Columbia with Tim Louis Law. Our expert legal guidance helps you navigate the critical process of contesting Wills, understanding WESA, and safeguarding your inheritance rights. With decades of experience, Tim Louis is your trusted Vancouver lawyer for personalized estate dispute resolution. Start with a free consultation to address unfair wills, understand probate rules, and protect your family's future. Call or email us today! - Published: 2023-11-18 - Modified: 2025-04-11 - URL: https://timlouislaw.com/navigating-wills-variation-and-estate-litigation-in-vancouver/ - Categories: estate litigation, Wills Variation Navigating Wills Variation and Estate Litigation in Vancouver: Insights from Tim Louis by Tim Louis. Introduction When it comes to the final wishes of a loved one, the clarity and fairness of a Will can sometimes be less than straightforward. In British Columbia, the legal landscape surrounding Wills variation and estate litigation presents a complex web of rules and considerations. For those who find themselves feeling sidelined or unfairly treated in the wake of a family member's passing, navigating this terrain can be daunting. This is where the expertise of Tim Louis, a seasoned lawyer in Vancouver, becomes invaluable. With a deep understanding of the intricacies of Wills variation and estate litigation under British Columbia law, Tim Louis offers a guiding light to those lost in the shadows of estate disputes. His approach combines a thorough knowledge of the legal system with a compassionate understanding of the emotional challenges these disputes can bring.   Understanding Wills Variation in Vancouver The Wills Variation Act in British Columbia has been replaced by the Wills, Estates and Succession Act (WESA). WESA is a unique legal tool that allows certain family members to contest a Will if they believe the distribution of the estate is not just or equitable. Under this act, spouses, and children of the deceased, including adult children, have the right to apply for a variation of the will if they feel that the deceased did not make adequate provision for their proper maintenance and support. WESA recognizes the moral duty of a person to provide for their spouse and children, and this duty can sometimes outweigh the autonomy of the will-maker in deciding how their estate should be distributed. It's a balancing act between respecting the wishes of the deceased and ensuring fair treatment of the family members they leave behind.   The Process and Limitation Period Understanding the process and time limits for applying for a Wills variation is crucial. In British Columbia, WESA sets a strict limitation period. Individuals have 180 days from the date the will is probated to file a claim for wills variation. This time frame is critical, and missing this deadline can mean losing the opportunity to contest the Will. The process involves filing a legal claim, and then the matter may proceed to court if it cannot be resolved through negotiations or mediation. The court will consider various factors, including the size of the estate, the financial needs, and circumstances of the applicant, and any legal or moral obligations the deceased had towards the applicant.   Wills Variation Legal Consultation with Tim Louis For those considering a Wills Variation claim, Tim Louis offers a free legal consultation to discuss your situation. This no-obligation consultation is an opportunity to understand your rights and options under WESA. Tim Louis's expertise in this area means he can provide clear, practical advice on the likelihood of success in your case and the best way to proceed.   Estate Litigation in British Columbia Estate litigation encompasses a range of legal disputes arising from the administration and distribution of an estate. In British Columbia, this area of law can be particularly complex, making the choice of a lawyer a critical decision for those involved in such disputes.   Choosing the Right Estate Litigation Lawyer When facing estate litigation, selecting the right lawyer is paramount. The best estate lawyers are those who not only have a thorough knowledge of these laws but also possess the sensitivity and understanding needed to handle the often-emotional nature of estate disputes. Tim Louis, with his extensive experience in estate litigation, stands out as a leading figure in this field. His approach is not just about legal expertise; it's about providing compassionate and personalized advice to each client. When searching for the best Estate Lawyers in Vancouver," one should look for professionals like Tim Louis, who are committed to representing your interests and guiding you through the complexities of estate litigation with both skill and empathy.   Common Challenges in Estate Litigation Estate litigation in British Columbia can involve a variety of challenges. Common issues that B. C. estate lawyers often encounter include disputes over the validity of a Will, conflicts among beneficiaries, claims of undue influence or lack of testamentary capacity, and disagreements over the interpretation of wills or trusts. These disputes can arise from a range of circumstances, such as a family member feeling they have been unfairly left out of a will, or concerns that the Will-maker was not in a sound state of mind when making their Will. In other cases, there may be disagreements over the value and distribution of estate assets, or disputes between executors and beneficiaries regarding the administration of the estate. Navigating these challenges requires not only a solid understanding of the law but also a strategic approach to dispute resolution. Tim Louis, with his expertise in estate litigation, is adept at handling these complex issues, offering tailored advice and robust representation to ensure that your rights and interests are effectively protected.   Winning a Contested Will in BC Contesting a Will is a significant legal challenge, and understanding the likelihood of success is crucial for anyone considering this path. In British Columbia, the outcome of a contested Will depends on various factors, including the specifics of the case and the skill of the legal representation. Generally, the success of contesting a Will hinges on proving that the will does not accurately reflect the intentions of the deceased, either due to undue influence, lack of testamentary capacity, or failure to provide for dependents as required by law.   Tim Louis’s Approach to Contested Wills Tim Louis's approach to contested Wills is grounded in a deep understanding of the law and a commitment to achieving the best possible outcome for his clients. He begins by thoroughly assessing the merits of each case, considering all relevant factors such as the reasons for disinheritance, the financial needs and contributions of the claimant, and the overall intentions of the deceased. Tim... --- - Published: 2023-10-10 - Modified: 2025-06-05 - URL: https://timlouislaw.com/your-guide-to-understanding-fibromyalgia-and-securing-long-term-disability-claims-in-british-columbia/ - Categories: fibromyalgia, Long Term Disability, long-term disability claims, Long-Term Disability Lawyer Fibromyalgia in British Columbia: An Overview Fibromyalgia, a chronic condition characterized by widespread pain, fatigue, and cognitive difficulties, affects numerous individuals, significantly impacting their quality of life. People in British Columbia who have this illness face daily challenges. They often seek understanding and help for the overwhelming pain and tiredness that controls their lives. Identifying and Managing Fibromyalgia Symptoms Living with Fibromyalgia means navigating through a myriad of symptoms that can fluctuate in intensity and impact daily activities. There are a variety of symptoms, affecting the body, mind, and emotions. It presents challenges like widespread pain, stiffness, and extreme fatigue. Other indications include disrupted sleep, headaches, irritable bowel syndrome, and increased sensitivity to light, noise, and temperature. Those affected face a complex array of physical, cognitive, and emotional issues. Managing symptoms often involves a combination of medical treatments, physical therapy, and lifestyle adaptations. British Columbia provides a range of resources to help individuals with pain management. These include clinics, support groups, and healthcare providers who specialize in this area. These resources are valuable in creating a customized plan for managing pain. Using British Columbia’s clinics and support groups, people can reduce symptoms and connect with others who understand their experiences. The Path to Fibromyalgia Diagnosis in British Columbia Diagnosing Fibromyalgia can be a solitary process. It often requires the involvement of various healthcare professionals and multiple tests. These steps are necessary to eliminate the possibility of other illnesses. In British Columbia, doctors need to do a thorough assessment and review medical history to diagnose the disease. Sometimes, they also do tests to rule out other possible causes of symptoms. Since this disease can look like other conditions, doctors check different possibilities before confirming the diagnosis. Navigating through the healthcare system, from family doctors to specialists, involves being proactive and persistent. To receive a diagnosis and personalized management plan, it is crucial to advocate for your health. Additionally, keeping track of your symptoms and openly communicating with your healthcare team are important steps. Causes and Types of Fibromyalgia Pain The causes remain a topic of ongoing research and discussion within the medical community. We do not fully understand the cause of this condition. However, experts believe that a combination of genetic, environmental, and psychological factors may play a role in its development. Occasionally, individuals have observed stressful experiences, bodily injury, or even infections occurring before the appearance of indications. Fibromyalgia causes pain in various ways, like muscle discomfort, stiffness, and sensitive spots that hurt when touched. The agony can be persistent or may intensify as a response to factors like stress, variations in weather, or physical exertion. Treatment Options for Fibromyalgia in British Columbia Fibromyalgia, a condition marked by widespread musculoskeletal pain and often accompanied by fatigue and sleep problems, can be difficult to handle. In BC, there are many ways to treat symptoms and improve the lives of those with this condition. Medical Treatments: These may include prescription medications to manage pain, improve sleep quality, and address other symptoms. Doctors commonly use medications like pain relievers, antidepressants, and anti-seizure drugs. Physical Therapy: Engaging in physical therapy can enhance your strength and stamina. Therapists may introduce exercises that can help manage pain and improve mobility. Occupational Therapy: Occupational therapists can assist in adapting your work or home environments to reduce stress on your body. Some people use alternative treatments like acupuncture, massage, and yoga to relieve pain and improve physical function. Support Groups: Connecting with others who are experiencing similar challenges can provide emotional support and practical insights. Always consult with healthcare professionals to determine the most appropriate treatment plan for your individual needs and circumstances. Navigating Fibromyalgia-Related Disability Claims in British Columbia It can be difficult to get your insurance company to approve a disability claim in British Columbia, especially for conditions like Fibromyalgia. This is because the symptoms vary from person to person. To get proper support during this journey, it's important to know your rights and the choices you have. It is important to know your rights and entitlements under disability laws in British Columbia. This knowledge is crucial for receiving fair treatment and obtaining the necessary support. Record your medical history, treatments, and how they affect your daily life to help with a disability claim. Hiring a lawyer like Tim Louis can offer valuable help and advice. He is an expert in disability claims in British Columbia. Appealing Decisions: If your claim is denied, understanding the appeal process and your rights during this time is crucial to ensuring that your case is adequately represented. Secure your long-term disability claim with expert guidance. Consult with Tim Louis, your British Columbia long-term disability lawyer, today. Secure your long-term disability claim with expert guidance. Contact Tim Louis, your British Columbia long-term disability lawyer, for a free legal consultation today. How Tim Louis Champions Your Long-Term Disability Claim in British Columbia Tim Louis and his team bring a wealth of experience and a compassionate approach to championing your disability claim in British Columbia, especially for those dealing with fibromyalgia. Here’s how Tim Louis can be your steadfast advocate: In-depth Understanding: Tim Louis understands the intricacies and challenges of Fibromyalgia, providing a supportive and empathetic approach to your case. Expert Legal Guidance: From filing your initial claim to appealing denials, Tim Louis provides expert legal guidance every step of the way, ensuring that your case is presented effectively. Comprehensive Case Preparation: Through meticulous preparation and a comprehensive understanding of your case, Tim Louis ensures that your claim is thoroughly supported and advocated for. Persistent Advocacy: Tim Louis persistently advocates for your rights, challenging any unfair decisions and ensuring that your case is represented with the utmost diligence. Support and Communication: Keeping you informed and supported throughout the process, Tim Louis ensures that you are empowered with knowledge and understanding as your case progresses. Ensure your disability claim is championed with diligence and expertise. Reach out to Tim Louis today and take a step towards securing the support you need. --- - Published: 2023-09-21 - Modified: 2024-01-18 - URL: https://timlouislaw.com/tim-louis-your-trusted-long-term-disability-lawyer-in-vancouver-bc/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer Tim Louis: Your Trusted Long-Term Disability Lawyer in Vancouver, BC By Tim LouisTim Louis is a seasoned long-term disability lawyer with over 38 years of experience based in Vancouver, BC. Recognized for his expertise and commitment, he has been honored with awards such as the Harry Rankin QC Pro Bono Award. Making Sense of Long-Term Disability Claims Long-term disability claims can often feel so difficult, full of complexities and legal jargon that they can leave you feeling lost and overwhelmed. Just as important, if the claim is made incorrectly, it may give your insurance company grounds to deny it. It's a journey that requires not just legal expertise, but a compassionate guide who understands the emotional toll it takes. That's where I come in. I'm Tim Louis, an award-winning lawyer specializing in long-term disability cases. Although based in in Vancouver, I have successfully represented dozens of LTD clients throughout the province. The internet and Zoom make this effortlessly possible. Why Picking the Right Lawyer Matters This isn't just about paperwork. It's about your life, your well-being, and making a claim that has the highest possibility of being successful. That's why having the right lawyer is so important. With BC Lawyer Tim Louis on your side, you're not just another case. You're a person who deserves fair treatment. Let's dive into the details of long-term disability claims and help you figure out how to get through it. Choosing the Right Representation: Why Expertise Matters Navigating the maze of long-term disability claims isn't something you should do alone. The stakes are high, and the process is filled with legal jargon, complex procedures and questions that look innocent on their face but are designed to illicit answers that result in your claim being denied. That's why the expertise, experience, and specialization of your lawyer can make or break your case. Tim Louis: A Legacy of 38+ Years in Long-Term Disability I've been in this field for 38+ years, and I've seen it all. From denied claims to complicated appeals, my team and I have successfully tackled a wide range of long-term disability cases. Long-term disability claims are a big part of what we do, and we're very successful at ensuring people get the financial support they deserve. When you're dealing with something as life changing as a long-term disability, you don't want just any lawyer. You want someone who knows this area of law inside and out. That's what you get when you choose to work with me and my team. We're not just here to file paperwork; we're here to fight for you. Understanding Policy Conditions Navigating the conditions of a disability insurance policy can be a daunting task, especially when you're already grappling with a debilitating condition that makes it impossible for you to work. In British Columbia, the rules governing long-term disability claims are intricate, and a single misstep can jeopardize your chances of receiving the benefits you so desperately need. This is where the expertise of Tim Louis comes into play. With 38 years of experience in the field of long-term disability law, Tim has an in-depth understanding of BC's complex legal landscape. He's well-versed in the nuances of disability insurance policies and the provincial laws that govern them. Whether it's interpreting the fine print of your policy or advising you on the medical documentation required under BC law, Tim Louis can guide you through every step of the process. His expertise doesn't just stop at understanding the law; it extends to applying this knowledge in a way that maximizes your chances of a successful claim. Tim Louis's familiarity with BC's long-term disability laws and policies gives him the unique ability to anticipate potential roadblocks and strategize accordingly. This can be invaluable in a system where the odds can often seem stacked against you. With Tim Louis by your side, you'll have a seasoned advocate who can help you navigate the complexities of BC's long-term disability laws, ensuring that you receive the benefits you rightfully deserve. Countering Insurance Company Tactics Insurance companies are in the business of minimizing payouts, and they often employ a variety of tactics to deny or reduce long-term disability claims. Some of these tactics include disputing the severity of your condition, requiring excessive medical documentation, or even employing surveillance to question the validity of your claim. In some instances, they might offer a quick, low-ball settlement in the hopes that you'll accept it out of desperation or lack of knowledge. Tim Louis has seen it all. His decades of experience in long-term disability law equip him with the skills to effectively counter these tactics. He knows how to challenge the insurance company's assessments and can guide you in gathering the medical evidence needed to strengthen your case. He is also adept at negotiating with insurance companies, ensuring that you receive a fair settlement that truly reflects your needs and circumstances. His deep understanding of the insurance industry's tactics allows him to advocate for you in a way that levels the playing field, turning the tables in your favor. Types of Disability Claims Disability claims are not one-size-fits-all. They can range from 'invisible illnesses' like depression and anxiety to more physically manifest conditions like chronic pain or heart disease. Each type of claim has its own set of challenges and requirements, making it crucial to have a lawyer who understands these nuances. Tim Louis's firm specializes in handling a diverse range of disability claims. Whether you're dealing with a mental health issue like depression or a chronic condition that leaves you unable to work, Tim Louis has the expertise to guide you through the claims process. His firm has successfully represented clients with a variety of conditions, ensuring that they receive the benefits they are entitled to under BC law. The diversity of claims that Tim Louis handles is a testament to his comprehensive understanding of disability law. It also reflects his commitment to advocating for all individuals, regardless of the nature of their disability. With... --- - Published: 2023-08-17 - Modified: 2024-09-14 - URL: https://timlouislaw.com/securing-the-best-outcome-heart-conditions-and-disability-claims-in-canada/ - Categories: Heart Disease and Stroke, Long Term Disability, long-term disability claims - Tags: Heart Disease and Stroke, long term disability, long term disability claims, Long-Term Disability BC Navigating the complexities of long-term disability claims in Canada becomes even more crucial when it involves heart conditions. As a legal professional, I've witnessed firsthand the challenges individuals face when they're grappling with the implications of heart diseases on their disability claims. It's not just about understanding the legal jargon; it's about recognizing the profound impact these conditions have on one's life and ensuring that their rights are upheld. Recent statistics paint a concerning picture: heart diseases and strokes are on the rise in Canada. For many, this isn't just a statistic; it's a daily reality. It underscores the importance of being well-informed, not only about the medical aspects but also about the legal avenues available to those affected. If you or a loved one is navigating this challenging terrain, know that you're not alone. With the right guidance and support, you can secure the best possible outcome for your disability claim. Remember, understanding your rights is the first step towards ensuring they are protected. Understanding Heart Disease Heart disease, a term often heard but perhaps not always fully understood, is a medical condition that affects countless Canadians. At its core, heart disease refers to a range of conditions that impact the heart's ability to function optimally. But what does this truly mean for those diagnosed, and what are the signs one should be vigilant about? Symptoms and Signs of Heart Disease The manifestations of heart disease can vary, but some common symptoms include chest discomfort, shortness of breath, and palpitations. It's essential to recognize these signs early, as timely intervention can make a significant difference in outcomes. However, it's equally crucial to understand that these symptoms might not always be overt. Sometimes, the signs are subtle, and a regular medical check-up is the best way to catch any anomalies. Diving Deeper: Types of Heart Diseases While the term 'heart disease' is often used broadly, it encompasses several specific conditions: Congenital Heart Disease: This refers to heart defects that are present at birth. They can range from simple issues, which might not cause any problems, to more severe defects that require immediate medical attention. Ischemic Heart Disease: Caused by narrowed heart arteries, this condition results in less blood and oxygen reaching the heart muscle. It's the most common cause of heart attacks. Coronary Heart Disease (CHD): CHD is a result of plaque buildup in the heart's arteries, restricting blood flow. It's a major cause of angina and heart attacks. Rheumatic Heart Disease: Often a result of untreated strep throat or scarlet fever, this condition can lead to permanent damage to the heart valves. Each of these conditions presents its own set of challenges, but with the right medical and legal guidance, individuals can navigate their journey more confidently. If you believe you or a loved one might be experiencing symptoms of heart disease or are facing challenges related to disability claims due to a heart condition, don't hesitate to seek expert advice. Knowledge is power, and understanding your condition is the first step towards safeguarding your rights. This is the time to hire a long-term disability lawyer, like Tim Louis, to fight to get the long-term disability you deserve. The Link Between Heart Conditions and Strokes The intricate connection between the heart and the brain is undeniable. When our heart faces challenges, it can often have ripple effects that impact the brain, leading to conditions like strokes. But what exactly is this connection, and why is it so important for people to be aware of it? The Heart-Brain Connection At a fundamental level, the heart pumps blood, supplying oxygen and nutrients to every cell in our body, including those in the brain. Any disruption in this supply, often due to heart conditions, can result in a stroke. Simply put, a healthy heart is instrumental in ensuring a healthy brain. Recognizing the Signs of a Stroke Strokes can manifest suddenly, and their symptoms can be both varied and alarming. Common signs include sudden numbness or weakness in the face, arm, or leg, especially on one side of the body, confusion, trouble speaking, difficulty walking, and severe headaches. Heat stroke symptoms, on the other hand, are related to prolonged exposure to high temperatures and include confusion, rapid heartbeat, nausea, and flushed skin. Recognizing these signs and seeking immediate medical attention can be life-saving. Ischemic vs. Hemorrhagic Stroke Strokes primarily fall into two categories: Ischemic Stroke: This is the most common type of stroke and occurs when a blood clot blocks a blood vessel that supplies the brain. Hemorrhagic Stroke: This type of stroke happens when a blood vessel in the brain bursts, leading to bleeding in the surrounding areas. Each type has its own set of causes, symptoms, and treatments, making it essential for individuals to be informed and proactive about their health. The Role of the Heart and Stroke Foundation Organizations like the Heart and Stroke Foundation play a pivotal role in raising awareness about these conditions. Through research, advocacy, and public education, they empower Canadians to lead healthier lives and provide invaluable resources for those affected by heart conditions and strokes. In the face of these medical challenges, knowledge remains our most potent tool. If you or a loved one is navigating the complexities of heart conditions or strokes, remember that understanding is the first step. And when it comes to safeguarding your rights, especially in the realm of disability claims, seeking expert guidance can make all the difference. Long-term Disability Claims for Heart Conditions Navigating the realm of long-term disability claims can be a daunting task, especially when it revolves around heart conditions. The intricacies of medical documentation combined with the legal nuances can often leave individuals feeling overwhelmed. However, understanding the conditions that qualify and the challenges that may arise can equip you with the knowledge to secure the benefits you rightfully deserve. Qualifying Heart Conditions Several heart conditions can lead to long-term disabilities, impacting one's ability to work and maintain a regular lifestyle. The primary conditions that... --- - Published: 2023-07-16 - Modified: 2025-05-11 - URL: https://timlouislaw.com/undue-influence-in-estate-litigation/ - Categories: estate litigation, Wills Variation - Tags: estate litigation, undue influence, Wills Variation Unraveling Undue Influence in Estate Litigation: A Comprehensive Guide Navigating the complexities of estate litigation can be a daunting task, especially when undue influence comes into play. This comprehensive guide aims to shed light on the intricacies of undue influence, its implications in estate litigation, and how it is addressed within British Columbia's legal framework. If you suspect that you or a loved one has fallen victim to undue influence, this guide will provide you with the necessary knowledge to take the next steps. Understanding Undue Influence Undue influence is a term used to describe a situation where a person, often in a position of power or trust, manipulates another into making decisions that they would not ordinarily make. In the realm of estate planning, undue influence can significantly alter the decisions a person makes about their estate, leading to disputes and legal battles after their death. It can manifest in various forms, such as pressuring a person into making certain provisions in their will or transferring assets before their death. It can also occur when a person is manipulated into making decisions that favor one party over others, leading to an unfair distribution of assets. "Undue influence consists of imposing pressure or some form of subterfuge that causes a person to perform a legally significant act, such as making a gift, a will, or granting a power of attorney, that does not reflect the genuine wishes or intentions of that person, but rather those of the influencer. " - Undue Influence Recognition and Prevention: A Guide for Legal Practitioners --- - Published: 2023-06-27 - Modified: 2025-03-17 - URL: https://timlouislaw.com/wills-estates-and-succession-act/ - Categories: Wills Variation - Tags: Estates and Succession Act, Wills, Wills Variation BC The Wills, Estates and Succession Act in BC: Explained by Tim Louis By Tim Louis Have you been disinherited? It may be time to consider a Wills variation. Navigating the Wills, Estates and Succession Act in British Columbia can be complex, especially when it comes to dealing with the disinheritance or unequal treatment of beneficiaries. At Tim Louis & Company, we specialize in unpacking these complexities for our clients. A Deep Dive into BC's Wills, Estates and Succession Act Under the Wills, Estates and Succession Act in British Columbia, certain individuals are given the opportunity to contest a will if they feel they've been unjustly excluded. This specific provision is under Section 60 of the Wills, Estates and Succession Act (WESA). The court may decide to vary a will if it does not provide sufficient provision for the proper maintenance and support of the will-maker’s spouse or children. If the will fails to consider the needs of the will-maker's spouse or children, these individuals can bring a claim to the court. The court can then order that just, fair, and adequate provision be made for them from the deceased’s estate. It's important to remember, however, that only the surviving spouse and children of the will-maker can apply for a variation of a will under this act. The act does not extend these rights to other family members, such as siblings or parents, to contest a will. The court's decision to vary a will may result in a new distribution of assets to provide for the spouse or children in a way that it deems fair, just, and equitable. The court will consider various factors when making this decision, including the size of the estate, the needs of the spouse or children, and the will-maker’s testamentary intentions. Dissecting "Adequate, Just and Equitable" Provisions in a Will WESA's Section 60 refers to the "adequate, just and equitable" provision – but what exactly does this mean? The Supreme Court of Canada's ruling in Tataryn v. Tataryn Estate serves as the leading case and the governing authority on BC wills variation. The Court must ask itself whether the will makes adequate provision for the claimant and if not, order what is adequate, just, and equitable, in the circumstances. Evaluating Reasons for Disinheritance or Unequal Division of an Estate The court may take into account the will-maker’s reasons for disinheritance or for unequal division among beneficiaries when determining what is “adequate, just and equitable”. Evidence regarding the will-maker’s reasons for specific gifts in the will, or for making less than adequate provision for the Wills variation claimant, may be presented under Section 62 of WESA. In some cases, the will-maker’s express or inferred reasons may negate any moral obligation owed by the will-maker. The BC Courts' approach to this starts with the consideration of the Court of Appeal decision in Bell v. Roy Estate. The Doctrine of "Valid and Rational Reasons" In the case of Bell, the will-maker left a will that unequally distributed her estate among her children. The Court of Appeal held that if the court finds the will-maker’s reasons for a disinheritance to be valid and rational, the will-maker’s moral duty towards that child is negated. The will-maker’s reasons for disinheriting a child need not be “justifiable”, but rather, the law only requires that the reasons are valid, meaning based on fact, and rational, signifying that there is a logical connection between them and the act of disinheritance. The Intersection of Case Law and Tataryn A complex issue arises when comparing the doctrine of valid and rational reasons (as used in Bell and Kelly) with the principles established in Tataryn. Tataryn emphasizes that a will-maker’s moral duty must be assessed objectively from the standpoint of what a reasonable parent would do in the circumstances, based on contemporary community standards. If the decisions of Bell and Kelly mean that the test is whether a will-maker has valid (i. e. , factually true) and rational (i. e. , logically connected to the disinheritance) reasons for disinheriting a child, even where the reasons are not worthy of a judicious parent based on contemporary standards, they are difficult to reconcile with the fundamental principles of Tataryn and the search for contemporary justice in the circumstances. Final Thoughts on The Wills, Estates and Succession Act The Wills, Estates and Succession Act in British Columbia is a critical legal instrument that ensures fairness for spouses and adult independent children who may have been unfairly left out of a will. If a loved one's Will doesn't seem to reflect a fair distribution, whether it's due to a history of family or elder abuse, or perhaps cultural norms that favor male heirs, the BC Wills, Estates and Succession Act can be a beacon of hope. It provides a pathway for justice and equity to prevail, allowing surviving family members the opportunity to contest the terms of the will. In essence, this law is here to ensure that every spouse and adult child's right to a fair share is upheld, regardless of the circumstances surrounding their disinheritance. It's a helping hand in challenging times, providing a way to seek justice and fairness in the distribution of a loved one's estate. Understanding the Wills, Estates and Succession Act and the grounds for contesting a Will is essential for anyone planning their estate or who may be a potential beneficiary of a Will. If you're in need of advice on how to navigate this complex process, whether it's contesting a will or planning your estate, Tim Louis & Company is here to help. We ensure that your interests are well represented and that you are adequately provided for in the future. Don't hesitate to reach out to Tim Louis at (604) 732-7678 for a no-fee telephone consultation. We will answer all your questions, no matter how complex. Frequently Asked Questions What is a Wills Variation in BC? In British Columbia, a Wills Variation is a legal process that allows certain close family members... --- - Published: 2023-05-30 - Modified: 2024-02-29 - URL: https://timlouislaw.com/personal-injury-advocacy-with-tim-louis/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips - Tags: personal injury, personal injury attorney vancouver, personal injury law Personal Injury Advocacy with Tim Louis: Championing Your Rights in Vancouver Fighting for Your Rights with Tim Louis & Company: Personal Injury LawFighting for Your Rights with Tim Louis & Company: Personal Injury Law Life can be unpredictable, and accidents or injuries can happen when you least expect them. When they do, they often bring along with them a cascade of physical, emotional, and financial challenges. The legal team at Tim Louis & Company, based in Vancouver and proudly serving all of British Columbia, believes that no one should carry the weight of these burdens if the injury resulted from another party's negligence. We're dedicated to helping you secure rightful compensation, offering a helping hand to navigate the complexities of personal injury law. Understanding Personal Injury and Its Wide-Ranging Impact The aftermath of an accident often extends beyond the immediate physical injuries. It can set in motion a domino effect of financial implications that can be equally, if not more, challenging to handle. Here are some potential expenses you might face: Urgent medical services and subsequent treatments: This could include the cost of an ambulance, emergency room treatment, surgery, hospital stay, etc. Travel costs related to medical appointments: These include transportation to and from the hospital or rehabilitation center. Medical equipment and assistive devices: Depending on the injury, you may need to purchase items such as wheelchairs, crutches, braces, or home care equipment. Home care or personal support workers: If your mobility or ability to perform daily tasks is affected, you may need to hire help for personal care and household chores. Prescription medications: The cost of medication can add up, especially if you need long-term medication for pain management or other issues related to the injury. Mental health treatments: Traumatic accidents can have a significant impact on mental health, and you might need counseling or other forms of psychological therapy. Rehabilitation and physiotherapy: These therapies can aid your recovery and help you regain your mobility and strength. Loss of earnings: If you're unable to work because of the injury, you may lose income. Diminished future earning capacity: If the injury leads to long-term disability, it could affect your ability to earn a similar income in the future. Home modifications: If the injury results in a disability, you might need to make changes to your home to accommodate your new needs. Housekeeping services: If your mobility is compromised, you might need to hire help for cleaning and maintaining your home. These are just a few examples, and the actual costs could be far more extensive, depending on the circumstances surrounding the accident. The Importance of Recognizing Negligence At the heart of personal injury law lies the concept of negligence. Simply put, when an individual or organization fails to behave with a reasonable level of care and caution, and this failure leads to harm to others, they can be deemed negligent and held responsible for the resulting damages. Negligence can be thought of as a lapse in fulfilling a duty of care that a reasonable person would maintain under similar circumstances. Its ramifications can be wide-reaching, affecting not only the victim but also their family and loved ones. At Tim Louis & Company, we strive to ensure that victims of negligence are not left to deal with these financial repercussions alone. Tim Louis, a highly experienced personal injury lawyer is prepared to guide you through the intricate process of securing the compensation you deserve. The Crucial Role of a Personal Injury Lawyer A personal injury lawyer can assist in establishing the critical elements in a negligence claim: The at-fault party owed you a duty of care: This means they had a responsibility to act (or refrain from acting) in a certain way to avoid causing harm. They breached this duty: They either did something they shouldn't have or failed to do something they should have. Their negligence directly led to your injury. You suffered damages as a result of this injury. By thoroughly establishing these elements, we work towards constructing a robust legal argument that accurately and convincingly represents the extent of your suffering and loss. Our team assists in gathering and presenting compelling evidence, drafting persuasive legal arguments, and negotiating fair settlements. A Closer Look: A Personal Injury Case Example To provide more insight, let's examine a hypothetical scenario: Imagine you're strolling down a bustling Vancouver street when, suddenly, a poorly secured sign from a storefront falls and hits you. This unfortunate incident results in a severe head injury, leading to substantial medical expenses and a prolonged recovery period during which you're unable to work. In this situation, the store owner had a duty of care to ensure the safety of passersby. They breached this duty by failing to secure the sign properly. Their negligence directly led to your injury, and you suffered financial losses as a result. In such a case, a personal injury lawyer can help you claim compensation for your medical bills, loss of income, and other related costs. At Tim Louis & Company, we believe in providing more than just legal assistance. We understand the ripple effects an accident can cause in your life and strive to offer support that extends beyond the courtroom. We are committed to helping you understand your rights and ensuring you have access to necessary resources and services. By standing up against negligence and seeking rightful compensation, you contribute to a safer community. Your actions can highlight issues that need to be rectified, prevent similar accidents from happening in the future, and hold negligent parties accountable. Tim Louis fights for justice and rightful compensation. We comprehend the intricacies of personal injury law and the profound implications of negligence. We stand ready to utilize our experience for your benefit. If you or a loved one has been injured due to someone else's negligence, don't hesitate to reach out. Let's navigate these challenging times and secure the compensation you rightfully deserve. Promoting Safety, Accountability, and Justice Personal injury law serves a dual purpose:... --- - Published: 2023-04-08 - Modified: 2024-12-15 - URL: https://timlouislaw.com/long-term-disability-claims-in-british-columbia-know-your-rights-and-protect-your-interests/ - Categories: Long Term Disability, long-term disability claims - Tags: long term disability, long term disability claims Long-Term Disability Claims in British Columbia: Know Your Rights and Protect Your Interests Understanding Long-Term Disability (LTD) Insurance Long-term disability (LTD) insurance provides financial support to individuals who are unable to work due to illness, injury, or disability. It aims to replace a portion of your income, ensuring that you can meet your financial obligations and maintain your quality of life. The Importance of Knowing Your Rights in British Columbia In British Columbia, it is crucial for individuals with LTD claims to understand their rights and obligations under the province's laws and regulations. This knowledge empowers them to make informed decisions and avoid potential pitfalls throughout the claims process. Long-term disability insurance companies are always looking for excuses to deny payment. The Role of the Insurance Act of British Columbia The Insurance Act of British Columbia governs insurance contracts, including LTD policies. It establishes the rights and duties of both the insurer and the insured. Key provisions of the Act include: Insurers must act in good faith, providing clear and accurate information about policy terms, conditions, and exclusions You must disclose all relevant information when applying for coverage Insurers have a duty to investigate claims promptly and fairly You have the right to dispute claim denials through internal appeals and external legal channels Common Reasons for LTD Claim Denials and How to Address Them There are several reasons why LTD claims may be denied by insurance providers. Understanding these reasons can help you take proactive steps to improve your chances of a successful claim. Insufficient Medical Evidence To qualify for LTD benefits, claimants must provide comprehensive medical documentation that substantiates their inability to work. This documentation may include: Medical records detailing the claimant's diagnosis, treatment, and prognosis Physician and specialist statements outlining the claimant's functional limitations and restrictions Diagnostic test results, such as X-rays, MRIs, or blood tests To address this issue, you should collaborate closely with your healthcare providers, ensuring that all relevant medical evidence is submitted with your claim. Pre-Existing Condition Exclusions LTD policies may contain exclusions for pre-existing conditions, meaning that benefits may be denied if the claimant's disability is related to a condition they had before obtaining coverage. To mitigate this risk, you should review your policy documents and seek clarification from your insurer about any exclusions that apply. You should always be alert to the fact that insurance companies will sometimes allege that your current disability is caused by a pre-existing condition when in fact your current disability is caused by a new condition. If you have any doubt, you should seek the advice of a lawyer familiar with long-term disability. Policy Definition of Disability LTD policies define disability in various ways, often differentiating between "own occupation" and "any occupation" definitions. Understanding these definitions and how they apply to a claim is essential. Own Occupation: You are considered disabled if you are unable to perform the duties of your specific occupation. Any Occupation: You are considered disabled if you are unable to perform the duties of any occupation for which you are reasonably suited based on your education, training, and experience. You should review your LTD policy's definition of disability, gather supporting evidence that demonstrates your inability to work, and consult with legal experts as needed. Protecting Your Rights and Interests in LTD Claims To ensure that your rights and interests are protected throughout the LTD claims process, you should: Keep detailed records of all correspondence with your insurer, including emails, letters, and phone calls. Maintain a personal journal documenting the progression of your illness or injury and its impact on your daily activities and work capabilities. Consult with experienced legal counsel who can provide guidance, representation, and advocacy during the claims Seek a second medical opinion if necessary, to strengthen the medical evidence supporting your claim. Be proactive in meeting deadlines and responding to insurer requests for information, ensuring that your claim is processed efficiently and without undue delay. Familiarize yourself with the internal appeals process offered by your insurer, should claim be denied initially. However, you may wish to seriously consider skipping the appeal and going straight to a lawsuit. If all internal appeals are exhausted and the claim remains denied, explore the option of pursuing legal action, such as filing a lawsuit against the insurer. The Value of Expert Legal Support in LTD Claims: Introducing Tim Louis, a Leading Long-Term Disability Lawyer in Vancouver Navigating the complex world of LTD claims can be daunting, particularly for individuals already facing the challenges of illness or injury. Retaining the services of an experienced LTD lawyer, such as Tim Louis in Vancouver, can provide invaluable support and guidance throughout the claims process. The benefits of expert legal representation with Tim Louis and his team include: A comprehensive review of the your LTD policy, ensuring that you understand your rights, obligations, and potential entitlements Assistance with gathering and organizing medical evidence to substantiate the claim Skilled negotiation with the insurance provider to secure a fair and timely settlement Representation in the event of a dispute or lawsuit, protecting the your interests and advocating for your right to LTD benefits Choosing the Right LTD Lawyer: Why Tim Louis Stands Out When selecting an LTD lawyer, you should consider the following factors, which Tim Louis and his team excel at: Extensive experience and a proven track record in handling LTD claims and disputes In-depth familiarity with the specific legal framework governing LTD insurance in British Columbia Accessibility and availability for consultations, updates, and support throughout the claims process Transparent fee structure, with a clear explanation of costs and potential outcomes Consistently outstanding client reviews Tim Louis's long-standing reputation as a leading long-term disability lawyer in Vancouver makes him an excellent choice for individuals seeking expert legal assistance with their LTD claims. Long Term Disability Claims in British Columbia The process of filing an LTD claim in British Columbia can be complex and challenging. By understanding their rights, being proactive in gathering evidence, and seeking expert legal support from... --- > Learn about long-term disability BC, legal definitions, qualifying illnesses, types of benefits, and why to hire a lawyer (Tim Louis) to appeal denied claims. - Published: 2023-02-20 - Modified: 2025-03-17 - URL: https://timlouislaw.com/long-term-disability-bc/ - Categories: Long Term Disability, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer, Uncategorized - Tags: Long-Term Disability BC Maximizing Your Benefits: Why You Need a Long-Term Disability Lawyer in Vancouver If you are dealing with a long-term disability in BC, it can be challenging to know how to navigate the legal landscape. You may be entitled to benefits from your employer, insurance companies, or government programs like the Canada Pension Plan and Persons with Disabilities. However, understanding these benefits and how to apply for them can be complex. In this blog post, we explore what long-term disability is, the types of benefits available, and how to apply for them. Additionally, we address common questions like how long you can be on disability in BC and whether your employer can terminate you while you're on long-term disability. If you've been denied benefits, we also explain why insurance companies deny claims and the benefits of hiring a long-term disability lawyer to help you navigate the legal process. What is Long -Term Disability? Many employers will provide their employees with long-term disability insurance coverage. Usually, this coverage is obtained by the employer from an insurance company. Each insurance company will have its own insurance policy. The policy will define long-term disability. In most long-term disability insurance policies, there are two types of disability – short-term and long-term. To be eligible for long-term disability, you must be unable to work for longer than the short-term benefits last. Typically, but not always, this is 17 weeks. Once your short-term disability benefits come to an end, you are eligible for long-term disability benefits so long as you are unable to work in your own occupation. You are eligible for long-term disability benefits even if there are other occupations you can work as. However, this situation changes at the 2-year mark. Even if you remain unable to work at your own occupation for 2 years, your long-term disability benefits will come to an end unless you are unable to work at any occupation for which you are suited based on your education and experience. This 2-year mark is quite often referred to as the “own occ-any occ” transition. What illnesses legally qualify for long-term disability? Unless your long-term disability insurance policy specifically excludes named disabilities or illnesses, all qualify for long-term disability insurance benefits so long as you are unable to work at your own occupation for first 2 years and thereafter you are unable to work any occupation. It is very important that your family doctor is prepared to stand behind you. This means that they are willing to give evidence at trial. Under the rules of court, they are only permitted to give evidence at trial if they provide your lawyer with a Medical Legal Report (MLR) and your lawyer serves this report on the insurance company's lawyer no later than 84 days prior to your trial. It usually does not matter what type of illness or injury you suffer from. So long as you have the necessary medical evidence to prove that you are unable to work, you qualify for long-term disability benefits. It is important to remember that your long-term disability benefits are not taxable if you were paying the premium yourself. If your employer was paying the premiums, then your long-term disability benefits are taxable. For this reason, most employees will want to pay all long-term disability insurance premiums themselves. Understanding the Different Types of Benefits for Long-Term Disability in Vancouver BC LTD Insurance Long-term disability insurance benefits are just one type of income a disabled worker may be entitled to. However, in almost all cases, these benefits are far superior than all other types of disability benefits. Your long-term disability benefits will typically be 66% of your pre-disability gross income. Given the fact that these benefits are not taxable so long as you are paying the premiums yourself, your long-term disability will be very close, if not equivalent, to what you were earning net of taxes prior your disability. CPP The Canada Pension Plan offers not just retirement benefits, but also disability benefits. There is no minimum age requirement for Canada Pension Plan Disability (CPP-D) benefits. You are qualified to receive the CPP-D benefits if you: • are under 65 • have contributed enough to the Canada Pension Plan • have a mental or physical disability that regularly stops you from doing any type of substantially gainful work • have a disability that is long-term and of indefinite duration, or is likely to result in death If you are eligible for long-term disability benefits, you will almost certainly also be eligible for Canada Pension Plan Disability benefits (CPP-D). Unfortunately, almost all long-term disability insurance policies make it a requirement that you apply for CPP-D. The policy will also say that all CPP-D benefits you receive are deducted dollar for dollar from your long-term disability benefits. Caution – do not be lulled into failing to apply for CPP-D knowing that it will not be money in your pocket, but only in the pocket of your insurance company. If you fail to apply for CPP-D, the insurance company will deduct from your long-term disability insurance benefits an amount equivalent to the CPP-D you would have received had you applied. There is no asset limit that would prevent eligibility. Your assets will not disentitle you. PWD In British Columbia, the provincial government provide a form of income assistance referred to as “Persons with Disabilities” (PWD). As distinct from CPP-D above, if your assets exceed $100,000, not including your home or your vehicle, you are not eligible for PWD benefits. Even worse, these benefits are not tied to any income you may have previously been earning. Instead, the provincial government arbitrarily sets the amount. For example, you could get up to: $1,358. 50 if you are single $2,423. 50 if you and your spouse have Persons with Disabilities designation and have no children $1,703. 50 if you are a single parent with one child $2,143. 50 if you or your spouse have Persons with Disabilities designation and one child If you are receiving... --- > Constructive Dismissal : If your employer creates or allows for the creation of hostile or toxic work environment, the terms of your employment are significantly changed than you are permitted at law to claim constructive dismissal. - Published: 2023-01-18 - Modified: 2023-01-30 - URL: https://timlouislaw.com/constructive-dismissal-in-british-columbia/ - Categories: constructive dismissal What is constructive dismissal? --- > Personal Injury Law Case: It was June 23, 2020, and just a typical summer day for Arts Rorimpandey...until he visited his neighbourhood Walmart... - Published: 2022-12-11 - Modified: 2022-12-11 - URL: https://timlouislaw.com/another-great-victory-for-the-little-guy-personal-injury-case/ - Categories: Uncategorized Personal Injury Case: It was June 23, 2020, and just a typical summer day for Arts Rorimpandey. Typical that is, until he visited his neighbourhood Walmart. He went there to purchase ... Personal Injury Law Case: Another Great Victory for the little guy It was June 23, 2020, and just a typical summer day for Arts Rorimpandey. Typical that is, until he visited his neighbourhood Walmart. He went there to purchase some Drano. This was located on the bottom shelf. Mr. Rorimpandey squatted down to look at the different Drano products. All of his attention was on the array of products. Unbeknownst to Mr. Rorimpandey, a Walmart employee was moving some garbage bins. Injury at Walmart Walmart is a company focused solely on the bottom line. It does not ask its employees to move garbage in A garbage bin, but rather two bins at once. This saves money but makes it much more difficult for the employee to keep a safe lookout. I should note that Walmart creates a culture in which its employees are always feeling they are under the gun. Back to Mr. Rorimpandey. The next thing he knew, his left shoulder was being rammed by a fully loaded garbage bin travelling at breakneck speed. He suffered a left shoulder joint separation. In medical terms, an acromioclavicular joint separation. To make matters worse, Mr. Rorimpandey’s worked at a bakery, where heavy lifting was required. The joint separation in his left shoulder had a major impact on his ability to work. It prevented him from lifting. Fortunately, he had a very accommodating employer who asked the other workers to perform any lifts Mr. Rorimpandey needed done. Mr. Rorimpandey hired me and I immediately filed a lawsuit (Notice of Civil Claim) against Walmart. Eventually, Walmart’s lawyer filed a Response to Civil Claim. Here are some excerpts: “ The Defendant Wal-Mart denies that the incident occurred as alleged in paragraph 6 of the Notice of Civil Claim. If there was an accident as alleged, or at all, the Defendant Wal-Mart denies that it was negligent as alleged or at all. The Defendant Wal-Mart denies that it was negligent or in breach of its duty of care owed to the Plaintiff under the Occupiers Liability Act, R. S. B. C. 1996, c. 337 or otherwise. If an incident occurred as alleged, or at all, then the Plaintiff was negligent, either wholly or contributorily, in failing to have due regard for his safety, the particulars of which are as follows: a. he failed to keep a proper lookout; b. he failed to take precaution for his own safety; c. he is the author of his own misfortune; d. he had the last clear chance to avoid the incident and failed to avail himself of that chance; e. he acted recklessly and without due care; f. he was not paying due care and attention; g. he was impaired by fatigue, medication or other substances;” I did not dillydally. Corporate defendants do not like trials. Too great a risk of getting negative publicity. I set Mr. Rorimpandey matter down for trial for the first date available in the court’s calendar. I then ordered expert reports including one from Mr. Rorimpandey’s family doctor. Mediation in Personal Injury Law Case On July 13th of this year, Wal-Mart asked for the matter to go to mediation. We agreed and on August 17th, we went to mediation. It settled, but only on Wal-Mart’s condition that Mr. Rorimpandey not ever disclose the terms of the settlement. I want to thank Mr. Rorimpandey for giving me the opportunity to fight for him. He was a wonderful client to work with. I wish him and his family the best of success. Contact Tim Louis Today Get the legal help you need. Contact Tim Louis for a free legal consultation at 604-732-7678 or email timlouis@timlouislaw. com . --- > As soon as you have suffered a personal injury, you should hire a personal injury lawyer familiar with this area of law. The party that may be responsible for your injury,... - Published: 2022-10-21 - Modified: 2022-10-23 - URL: https://timlouislaw.com/when-to-hire-a-personal-injury-lawyer-tim-louis/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Workplace Injury Insights into when to hire a personal injury lawyer by Tim Louis   When should I hire a personal injury lawyer? As soon as you have suffered a personal injury, you should hire a personal injury lawyer familiar with this area of law. The party that may be responsible for your injury, such as a store if you suffered a slip and fall or a dog owner if you suffered a dog bite, may have insurance. The insurance company will almost certainly attempt to get you to minimize your injuries and your claim. The insurance adjuster may even suggest that you were/are partially or fully responsible for your injury. It is very important that you hire a lawyer before you are interviewed by the insurance company’s adjuster. Your lawyer will prepare you in advance for any such interview. There are many standard insurance adjuster questions that you can be familiar with before you are interviewed. For instance: If you suffered a slip and fall or trip and fall, you may be asked if you consumed any alcohol or drugs, prescription or non-prescription, in the 24 hours prior to your injury. You may be asked what type of shoes you were wearing. You may be asked how many hours of sleep you received the night before. You may be asked if you had an appointment coming up, and depending upon your answer, the adjuster will be able to argue that you must have been in a rush. If your injury resulted from a fall down stairs, you will almost certainly be asked if you were hanging on to the handrail and whether or not you were carrying any thing or object such as a purse.   Areas of Practice I have been practicing in the area of personal injury for over three decades. I have acted for clients that suffered injuries due to falling down stairs, slipping/tripping on a foreign substance (such as a liquid or an item) on the floor of retail outlets, dog bites, tooth injuries resulting from a foreign object in a food product, and physical assault.   Dealing with Insurance companies Insurance companies are not your friend. They make their profits by paying out less settling claims when they collect in premiums. You will almost certainly get a better settlement represented by a lawyer than if you are unrepresented. When I act for an injured client it is always my goal to get a settlement without going to trial that is equal to what a court would have awarded if we did go to trial. The best way to avoid a trial is to prepare for a trial.   Liability for Property Owners Property owners are responsible for keeping their property safe for visitors. This means: Keeping pathways clear of snow and ice in the winter and clear of leaves the rest of the year. Making sure that all stairways conform to the municipal building code. If the property owner is a landlord they must adjust the temperature setting on the hot water tank as required by the municipal regulations so that tenants are not at risk of being burned.   Proving Liability - Personal Injury Legal Tips I am known as an aggressive lawyer. I have never had difficulty proving liability. In part, this because I thoroughly prepare my clients. In part this is because I hire experts to confirm liability whenever appropriate. I will not spare any cost to fight for my clients. In part, this is because I thoroughly prepare before I discover the defendant at examinations for discovery.   Why hire Personal Injury Lawyer Tim Louis? For breakfast, I do not eat cornflakes – I eat insurance companies. I really enjoy going to bat for clients that have been injured no matter what the cause of their injury. I have been suing at fault parties and dealing with their insurance companies for over three decades. As my online reviews will attest, I get the job done. Contact Personal Injury Lawyer Tim Louis for a free consultation at 604-732-7678 or timlouis@timlouislaw. com   Further Reading - Personal Injury Law Injured at work? Reporting Injuries   --- > Long term disability for anxiety and depression - Both of these conditions can result in an inability to work. Many of my long term disability clients ask me what is the difference between Anxiety and Depression. - Published: 2022-10-01 - Modified: 2024-09-14 - URL: https://timlouislaw.com/long-term-disability-for-anxiety-and-depression/ - Categories: Anxiety, Depression, disability insurance, Insurance Claims, Long Term Disability, long-term disability claims, Long-Term Disability Law Insights into Long Term Disability for Anxiety and Depression by Tim Louis Long Term Disability for Anxiety and Depression A claim for long term disability benefits may be made if you are disabled from work as a result of Anxiety or Depression. Both of these conditions can result in an inability to work. Many of my long term disability clients ask me what is the difference between Anxiety and Depression. What is the difference between Anxiety and Depression? Both Anxiety and Depression are types of mood disorders. Neither is necessarily disabling in the sense that if not severe, the individual may find that they are able to continue to work with either or both of these conditions. However, both of these types of mood disorders can render an individual unable to work. Anxiety can create feelings of worry, nervousness, or dread. Depression causes feelings of sadness, hopelessness, and reduced energy. Although these two conditions are different, an individual can have both at the same time. In fact, depression and anxiety often occur together. Roughly 60% of people with anxiety also have symptoms of depression, and vice versa. The conditions themselves can also amplify the symptoms of the other, causing the symptoms to worsen or last longer. Common Questions about Anxiety and Depression and Long Term Disability Common questions clients of mine suffering from anxiety and/or depression ask me are: Is long term depression and/or anxiety a disability? The answer is yes. The federal government has long recognized these conditions as disabilities. Long term disability insurance companies also recognize these conditions as potentially disabling. However, a mere diagnosis does not in and of itself qualify you for long term disability benefits. Your condition must be so severe that it prevents you from working. Can depression cause permanent disability? Unfortunately, the answer is yes. Sometimes, although luckily rarely, depression can be so long term and extreme that it is permanently disabling. In this case, an individual will never be able to go back to work. Your medical team will be just able to let you know whether or not your depression is likely to be treatable or is permanent. Suffering from Depression and/or Anxiety? If you are suffering from depression and/or anxiety to the extent that it is preventing you from working, then in order to make a successful claim for long term disability for depression and anxiety, you should make every effort to bring your family doctor up to speed. They would need to know how your mood disorder is affecting your ability to work. An example of how depression could affect your life could be an inability to get out of bed due to your depressed mood and fatigue forcing you to call in sick. Your symptoms might cause other problems such as inability to focus, concentrate, or pay attention during meetings or phone calls. Lack of interest in things you once enjoyed due to low energy and feelings of hopelessness can make even the most mundane tasks seem like mountains to climb. On the other hand, with anxiety, it can affect your life in a completely different manner. You might feel so anxious that you feel physically ill, making you unable to go in to work. You might have panic attacks due to immense feelings of worry and fear. You could have social anxiety, meaning that social interactions themselves can cause you great stress and fear. There are many types of anxiety disorders, and each of them can impact your life in different ways. Both of these mood disorders can put your life, career, and relationships in disarray. It is also very important that you are aware of the fact that you are not eligible for long term disability benefits if your mood disorder is caused by the unique workplace environment of your current job. If a change of employers would likely leave you now no longer disabled, but rather able to work, then you do not have a valid claim for long term disability for anxiety and depression. It is for this reason that your application for long term disability benefits should not suggest that the root cause of your mood disorder is your work environment. Making a Claim for Long Term Disability for Anxiety and Depression Making a claim for long term disability benefits is relatively easy. Your employer will provide you with the form that needs to be filled out. One of these forms, the Attending Physician Statement, will need to be completed by your family doctor. If you are seeing a specialist such as a psychiatrist for treatment, you may consider having the specialist complete the Attending Physician Statement. If you have been denied long term disability benefits and do suffer from depression and/or anxiety, contact me immediately for a no-fee consultation. 778-855-3494. Further Reading Anxiety, feelings of depression and loneliness among Canadians spikes to highest levels since spring 2020 Anxiety, depression, loneliness at highest levels among Canadians since early pandemic: survey   --- - Published: 2022-08-18 - Modified: 2024-10-11 - URL: https://timlouislaw.com/bc-lawyer-tim-louis/ - Categories: Employment Lawyer, Long-Term Disability Law, Long-Term Disability Lawyer, Personal Injury Lawyer Vancouver, Termination without cause, Vancouver Personal Injury Lawyer, Wills Variation, Workplace Injury, Wrongful Dismissal, Wrongful Termination BC Lawyer Tim Louis Many people ask me why I became a lawyer. It all begins in the late 1970s. I was a student and a concerned about the lack of transportation for folks like me that could not access the public transit system. In those days, buses were not accessible – they did not have fold down ramps. I began lobbying Vancouver City Council to create what we now call HandyDART. One city councilor, Harry Rankin, stood head and shoulders above all the others. His ability to stand up for the “underdog” was something to be seen. He was also a lawyer, and planted the seed in my mind - could I become a lawyer who committed himself to doing what Harry did? A few years later – 1980, Harry wrote the letter that got me admitted to UBC’s School of Law. In 1983, Harry hired me as his articling law student. In 1999, I was elected to Vancouver City Council as a member of the party he founded – COPE. I love being a lawyer. Fighting for justice inspires me. Winning cases that at first blush seem unwinnable gives me life. The last 38 years have been absolutely incredible and I hope to write a book soon about a number of my most exciting cases. Harry wrote a book – Rankin’s Law. If you are ever interested in learning a bit more about the man responsible for who I am today, take a look at “The Rankin File: Legacy of a Radical”. Disability Lawyer Vancouver BC Many employers will provide Long Term Disability coverage for their employees. If an employee with LTD coverage becomes unable to work, they are entitled to LTD benefits. Typically, an insurance company collects the premiums every month that the employee is working and then pays the employee when they become disabled. In some cases, the employer will self-insure. A self-insured employer collects the premiums and makes all LTD payments. One more important thing to be aware of – if the employee pays the premiums every month, any future disability benefits will be tax-free. If on the other hand, the employer pays the premiums every month, then any future disability benefits will be taxable. I act for individuals denied their long term disability benefits no matter what the cause of their disability. If you are unable to work, and you have been denied long term disability benefits, I will act for you no matter what the cause of your disability. Since 1984, I have acted for individuals unable to work as a result of many different causes. People with chronic fatigue syndrome, fibromyalgia and mental illness are just a few of the wide array of cases I take on. Why hire a disability lawyer? I am frequently asked – why hire a disability lawyer? The answer is very clear. Without a lawyer, you are at a significant disadvantage when dealing with your insurance company. There is a power imbalance between you and the insurance company’s representative. Your insurance company will send you to a medical expert of their choosing. Typically this medical expert will be biased against you. When you hire a lawyer, everything changes. All communication must go through your lawyer. Your lawyer will refer you to one or more medical experts so that if your case goes to court, the judge will have medical expert reports from both sides. What to do if you have been denied benefits If you have been denied long term disability benefits, or if your long term disability benefits have been terminated, you should see a lawyer immediately. Some individuals are fooled by their insurance company’s invitation to appeal the denial or termination. These appeals are all dealt with by the insurance company’s own staff. Almost all appeals are unsuccessful. The longer the appeal process takes, the longer it takes to start a lawsuit. The longer it takes to start a lawsuit, the longer it takes to get a trial date. Even worse, if you allow the appeal process to drag on for more than 2 years without starting your lawsuit, your case is finished. You are not allowed to sue more than 2 years after a denial or termination. Why hire Tim Louis if your insurance claims have been denied? I have almost 40 years of experience fighting insurance companies on behalf of disabled individuals. Insurance companies do not like me. I recognize that many people are fearful of going to trial, so I always aim to get my client what they would likely receive at trial in an out of court settlement instead. One of the best ways to decide whether or not a lawyer is the right lawyer for you, is to look at their online reviews. I am very proud of the over 100 online reviews I have received that have given me a 4. 9 star rating. I only get paid if we are successful. Personal Injury Lawyer Vancouver BC If you have been injured as a result of someone else’s or a corporation’s fault, you are entitled to compensation for not just your pain and suffering, but also your lost income, including income you will lose in the future. You must start your lawsuit within 2 years of suffering your injury. If you fail to do so, your lawsuit is out of time. Many people are unaware of the fact that if they wish to sue a municipality, say for a trip and fall on a municipal sidewalk, there is a special requirement that they must serve the city clerk with written notice setting out the general details of what happened, including where and when. This written notice must be served on the city clerk within 60 days of the injury. I have acted for individuals suffering from all types of personal injuries including slip and fall, dog bite(s) and burns. Many of my slip and fall cases occur inside retail establishments where my client slips on water or produce. I... --- - Published: 2022-07-07 - Modified: 2022-08-07 - URL: https://timlouislaw.com/chronic-fatigue-syndrome/ - Categories: chronic fatigue syndrome, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: chronic fatigue syndrome, long term disability, long term disability claims, long-term disability lawyer Chronic Fatigue Syndrome and Long-Term Disability by Tim Louis Chronic Fatigue Syndrome is considered by some to be an orphan illness. This is because there is no cure for the disease and because there is no accepted medical test to diagnose it. In fact, many doctors do not recognize it. However, for the individuals suffering this debilitating condition, it is very real. Even what they call it is in dispute. Most patients prefer “myalgic encephalomyelitis,” or ME. However, the medical literature uses “chronic fatigue”. Chronic Fatigue Syndrome is profoundly disabling. It renders individuals unable to get out of bed for days at a time. Sleep is no longer ever refreshing. It also strikes very quickly – one day the individual is healthy, and the next day the individual wakes up with the sensation of a bad flu. However, the “flu” never goes away. In some cases, it is so disabling as to paralyze a limb or even cause temporary blindness. It is not unusual for individuals to believe they are going crazy when they first get Chronic Fatigue Syndrome. Figures for Canada are not available, but it is thought that CFS afflicts between 836,000 and 2. 5 million Americans. For many years, a number of doctors believed the disease was all in the patient’s head. Chronic Fatigue Syndrome - Denied Long-Term Disability Benefits? I have represented many individuals suffering from Chronic Fatigue Syndrome. When denied the Long Term Disability Benefits they are entitled to, they hire me to sue their insurance company. One thing I noticed is that “good days” were always followed by “bad days”. In fact, because the “good day” was a gift from heaven, my client would do everything she or he wanted to do on that day. The sad result is that they would then be much much worse the following day. The trick was to always limit their activities on “good days” to half of what they felt they could do. This would result in a much better day the following day. Long-Term Disability Benefits for Chronic Fatigue Syndrome Denied? Long Term Disability insurance companies typically reject applications from CFS patients because the patient is unable to objectively prove the presence of the condition. I address this problem head on. I rely on witnesses who give evidence as to my client’s day to day activities. If my client has witnesses that confirm an inability to get out of bed for days on end and an inability to carry on a normal life, then my client’s lawsuit is much stronger. I also warn all of my Chronic Fatigue Syndrome long-term disability clients that their insurance company will almost certainly hire a private investigator to capture them on video on a “good day”. Insurance companies think this will be devastating at trial. However, as I mentioned above, witnesses who give evidence that my client simply has good days and bad days, will usually outweigh the video evidence. I have encountered this many times, representing Chronic Fatigue Syndrome long-term disability clients. In one case, one year into the lawsuit, the insurance company hired an actress to knock on my client’s door. When he opened the door, she told him that her car has stalled in front of his house. He willingly agreed to her request that he push her car out of the way. Unbeknownst to my client, all of this was captured on video by the private investigator. Fortunately my client’s landlord was an RCMP officer who was witness to the fact that my client literally spent days on end in bed. The case settled out of court with the insurance company paying my client over $300,000. If you have Chronic Fatigue Syndrome and your Long-Term Disability insurance company has denied you the benefits you are entitled to, call me for a free initial consultation. I have been suing Long Term Disability insurance companies for over three decades. Learn More about Chronic Fatigue Syndrome What is Chronic Fatigue Syndrome? What is myalgic encephalomyelitis/chronic fatigue syndrome (ME/CFS)? Chronic fatigue syndrome and fibromyalgia in Canada    --- > Employee rights when terminated - You may be tempted to accept whatever compensation your employer is offering you. Do not do so without first taking the advice of an experienced employment lawyer. - Published: 2022-06-09 - Modified: 2023-06-22 - URL: https://timlouislaw.com/employee-rights-when-terminated/ - Categories: Termination without cause, Wrongful Dismissal, Wrongful Termination - Tags: employment lawyer, free consultation, legal advice, wrongful dismissal, wrongful termination Employee Rights when Terminated   Your rights as an employee if you have been terminated by Tim Louis Being terminated without cause or dismissed from your employment can be one of the most stressful experiences you have ever encountered. You may be tempted to accept whatever compensation your employer is offering you. Do not do so without first taking the advice of an experienced employment lawyer. If you have been terminated by your employer, the first question that needs to be answered is: Were you terminated with cause or without cause? Employee rights when terminated with and without cause If your employer had cause to terminate your employment, then you do not have a right to severance pay. A few of the more common reasons for termination with cause include fraud, chronic refusal to follow directions from your employer, intoxication while working, and establishing your own business in competition with your employer. I frequently act for clients who have been terminated by an employer who alleges cause. However, once I commence a lawsuit on behalf of my client, it soon becomes apparent that my client’s former employer did not have cause. If your employer did not have cause to terminate your employment, then you are entitled to severance pay. If you are entitled to severance pay because your employment was terminated without case, then the next question is whether the amount of your severance pay should be calculated based on statutory law or common law. Many of my clients are confused by the difference between these two types of law -which entitle an employee, terminated without cause, to very different amounts of compensation. Statutory law is law based on a statute -in the case of employment law, the Employment Standards Act. This act entitles an employee, terminated without cause, to severance pay as follows: after 3 consecutive months of employment - one week’s wages after 12 consecutive months of employment - 2 weeks wages after 3 consecutive years of employment - 3 weeks wages plus 1 additional week of wages for every year of employment to a maximum of 8 weeks wages Common law is law based on all Court judgments - in this case, lawsuits where an employee successfully sued their employer alleging the termination of their employment was without cause. Under common law, the amount of severance pay awarded in each case is different based on many factors such as: age of the employee, length of the employment and type of position. As a rough rule of thumb, the common law entitles an employee terminated without cause to one month’s severance pay for every year of employment. As you can see, the amount of severance pay you are entitled to, if your employment is terminated without cause, is more under common law than it is under statutory law. Making a claim for wrongful termination Making a claim for wrongful dismissal means that you need to know your employee rights when terminated. If you decide to make a claim for severance pay under the Employment Standards Act, , you may do so without a lawyer. The British Columbia Labor Standards Branch will investigate your case to determine whether or not your employment was terminated without cause. If they find that your employment was terminated without cause, they will issue an order directing your employer to pay you severance pay as described above. Some terminated employees will choose the option of statutory law over the common law option as it is usually quicker and does not usually require a lawyer. If you decide to make a claim for severance pay under common law, you will almost certainly require a lawyer as this choice involves filing a lawsuit in Court. Although this option can typically take longer than filing a complaint with the Labor Standards Branch and will be more expensive as you typically require a lawyer, you may receive significantly more severance pay. Finally, many of my clients are unaware of the fact that their entitlement to severance pay is reduced by the amount of any income they earn after their wrongful termination during the time period covered by the severance pay. In other words, if the Court awards you severance pay representing 6 months of employment, then any income you earned in the first 6 months after your wrongful termination will be deducted from the amount you would have otherwise been entitled to. Free consultation If you have any questions about your termination or about the other many areas of employment law that I practice, such as non-competition clauses, harassment, your employer contracting out of the common law, or your employment contract, give me a call on my cell 778-855-3494. I really enjoy going to bat for the proverbial underdog. N. B. Most employees work for employers governed by Provincial law. However a relatively few types of employers, such as banks and airlines, are governed by Federal law. This blog provides information for employees who work for employers who are governed by Provincial law. Learn more about employee rights when terminated Learn more from the Employment Standards Act. --- > Personal Injury Lawyer - I have been fighting for injured clients for over 37 years. My goal is to achieve an out of court settlement for trial dollars. My motto is the best way to avoid a trial is to prepare thoroughly for the trial. This sends a clear message to the other side that I mean business and that if they are not prepared to offer trial dollars, then we will proceed to trial. - Published: 2022-05-13 - Modified: 2022-08-07 - URL: https://timlouislaw.com/personal-injury-lawyer-vancouver/ - Categories: Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Slip and Fall, Vancouver Personal Injury Lawyer - Tags: burns, dog bites, personal injury, Personal Injury Lawyer, personal injury lawyer vancouver, slip and fall Personal Injury Lawyer Tim Louis by Tim Louis I have been fighting for injured clients for over 37 years. My goal is to achieve an out of court settlement for trial dollars. My motto is the best way to avoid a trial is to prepare thoroughly for the trial. This sends a clear message to the other side that I mean business and that if they are not prepared to offer trial dollars, then we will proceed to trial. For most clients, the foundation of their case is getting excellent expert reports. This begins with my client’s family doctor who I ask to provide not just a clear diagnosis of the injuries, but also the treatments provided and, perhaps most importantly, a prognosis. The length of time an injured person will require to fully recover plays a large role in determining the amount they would receive at trial. Next, I obtain expert reports from medical specialists. Finally, if my client is never going to fully recover, I obtain expert reports from an occupational therapist and a vocational expert. These two types of reports build a strong case for a claim for compensation for loss of income. Personal Injury Lawyer: Examinations of Discovery One of the most important steps in a lawsuit is Examinations for Discovery. At this step, the lawyer for the defendant examines my client over oath. There is no judge present, but there is a court reporter, who takes a transcript of all of the questions and answers. By thoroughly preparing my client in advance of the Discovery, the defendant's lawyer gets a glimpse of what they will be up against if the case goes to trial. Throughout my client’s case, I keep them fully informed and up date. This mean copying them on all incoming and outgoing correspondence such that the file they keep in their home is a copy of the file in my office. My law office prides itself on how accessible we are. Personal Injury Cases As a personal injury lawyer in Vancouver, I have represented clients with every type of injury including slip and falls, dog bites, and burns. While I get great satisfaction no matter what the type of case, I particularly enjoy fighting for clients who have been turned away by other lawyers who felt the case was too weak. I just settled a case where my client fell while boarding a bus. The questions was had she slipped or tripped. If she had slipped, then the bus company was probably not at fault. If she had tripped and it could be proven that the cause of her trip was an object that should have been repeal, then the bus company would be at fault. Immediately after her fall, she was taken to the emergency department where the nurse made a note that she said she had slipped. The first personal injury lawyer she retained would not continue acting for her. I enjoy difficult cases and took her on with open arms. By aggressively and thoroughly examining the bus driver under oath at an Examination for Discovery, I was able to establish that, in all likelihood, she had tripped on a protrusion. We settled out of court for trial dollars. Many of my clients want to know at the very beginning whether or not they have a case. As the above example shows, even a weak case is worth pursuing if you have an aggressive lawyer willing to put in the time to build your case. The worth of your claim depends to a large degree on the quality of the expert reports your lawyer obtains for you. I take the time to obtain expert reports that will help you get what you deserve – trial dollars without going to trial. Personal injury settlements are not taxable. This is a piece of great news most of my clients are unaware of. Find the Right Personal Injury Lawyer One of the best ways to find the right lawyer for you is to see what other clients say about them. Google reviews is a great place to start. Once you have selected one or two lawyers, you should discuss the possibility of a contingency fee if you are unable to afford paying hourly. Contact Personal Injury Lawyer Tim Louis If you would like a free consultation, call me any time – 778-855-3494. Learn more about Tort Law in Canada Personal injury law is categorized under Tort Laws in Canada. Learn more about Personal Injury and Tort Law --- - Published: 2022-04-14 - Modified: 2022-08-07 - URL: https://timlouislaw.com/long-term-disability-claim/ - Categories: Injury Claims, Insurance Claims, long-term disability claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: insurance claim denied, long term disability, long term disability claims, long term disability insurance, long-term disability lawyer, LTD insurance claim Long-Term Disability Claim by Tim Louis Long-term disability insurance is designed to protect you in the event of serious injury or illness. If your psychological or physical condition prevents you from being able to work, the insurance company should pay out a monthly benefit. This is designed to provide some financial support for your care and treatment. However, Insurance Companies Deny Long-Term Disability Claims Unfortunately, the reality is that insurance companies deny long-term disability claims. Sometimes rehabilitative therapy for people suffering from a long-term disability can be helpful, but it is not always the case. Permanent disability can sometimes be the result as well. However compensation of long-term disability benefits is the least you should expect if you have insurance. Dealing with insurance companies can be very difficult, particularly if you are dealing with a serious illness or condition. Having a lawyer, like Tim Louis, to guide and protect you through the process is the key to getting the compensation you deserve. If your long-term insurance claim has been denied, call Tim Louis at (604) 732-7678 for a free consultation. Long-term Disability Claim Denied H. G. contacted me just over two years ago. She was referred to me by a previous long term disability client of mine who was very pleased with what I did for her. H. G. ’s long term disability insurance company had just denied her claim for LTD benefits. H. G. had lost the ability to work at her very physically demanding position. She had developed Activity-Related Soft Tissue Disorder (ASTD) with myofascial injury to her cervical spine and shoulders. She had also aggravated her pre-existing degenerative disc disease. She suffered from chronic joint and muscle pain, muscle spasms, numbness, neck pain, shoulder pain and pain and stiffness whenever she would bend, lift or walk. I immediately obtained a copy of her insurance policy and then filed her lawsuit in the Vancouver Registry of the Supreme Court of B. C. Her insurance company filed a boilerplate response. They actually denied that she was disabled! Insurance companies take me seriously and so it did not surprise me that fairly soon after the lawsuit had started they began to make offers of settlement. With my client’s instructions I rejected offer after offer. The insurance company then conducted an Examination for Discovery of my client. At this step in a lawsuit there is no judge present. There is a court reporter who takes down a transcript of all the questions asked by the opposing lawyer and all of my client’s answers. I always prepare my clients extremely well before this step in the lawsuit. With H. G. , this was no exception. While H. G. was a credible witness, I knew the insurance company lawyer might try to get her confused and then take advantage of the inevitable inconsistencies as she spoke. A few days before the Discovery, I engaged her in a mock Discovery so she could practice what it would be like to be under a bit of stress. She did very well at the Discovery. H. G. came across as a likable, believable and reliable witness. After the Discovery, she told me how helpful our preparation together had been for her. Shortly after the Discovery, the insurance company lawyer asked if we might be agreeable to Mediation. I recommended to H. G. that she accept the insurance company’s suggestion of mediation. Mediation is off the record, that is if settlement is not reached during mediation and the lawsuit proceeds to trial, nothing said at Mediation can be used against the client. Mediation is a process whereby the parties engage in active negotiation with the assistance of a trained professional mediator. Throughout the day, the mediator will alternate between bringing the two parties together into the same room for face to face negotiations and separating the parties into two separate room shuttling back and forth between the parties. A mediator is different from an arbitrator in that an arbitrator makes a decision that is binding on both parties whether they liked the decision or not. Whereas a mediator only makes recommendations. At the mediation, the insurance company slowly increased their offer of settlement – one-hundred thousand, one-hundred twenty thousand... two-hundred thousand and then finally two-hundred twenty-five thousand. I calculated that this was more than my client would receive at trial if she won. With great pleasure and a lot of relief, H. G. accepted the offer and we had a settlement. I had achieved the goal I aim for with all of my long-term disability clients – settle for nothing less than trial dollars without going to trial. Has your Long-Term Disability Claim Been Denied? If your long-term disability claim has been denied, call Tim Louis at (604) 732-7678 for a free consultation. Get the compensation you deserve. Get the help you need. Give Tim Louis a call today at (604) 732-7678 for a no-fee telephone consultation, during which he will answer all your questions, no matter how complex. If you have received the insurance claim denial in writing, he will also review the letter and schedule a second no-fee telephone consultation to review and assess that long-term disability claim denial. Don't let the insurance company bully you into a settlement. Before you accept any decision, contact Long-Term Disability Lawyer Tim Louis. Have a question? Use our convenient "Get Help" chat below. Long Term Disability Plan Regulation Learn more about how the BC Government regulates long-term disability plans and long-term disability claims. --- > Wrongful termination British Columbia: If your employment has been terminated by your employer , you are entitled to severance pay unless your employer is able to prove they had cause to ‘let you go’. - Published: 2022-03-11 - Modified: 2024-01-31 - URL: https://timlouislaw.com/wrongful-termination/ - Categories: Employment Law, Employment Lawyer, Wrongful Dismissal, Wrongful Termination - Tags: employment law, employment lawyer, wrongful dismissal, wrongful termination Wrongful Termination by Tim Louis If your employment has been terminated by your employer , you are entitled to severance pay unless your employer is able to prove they had cause to ‘let you go’. Cause would include: theft, insubordination, and chronic tardiness. If your employer did not have cause, then you are entitled to severance pay. The amount of severance pay you are entitled to is governed by two different types of law - statutory law and common law. Generally speaking you are entitled to more severance pay under common law than under statutory law. Employment Law: What is the difference between Statutory and Common Law? Statutory law is law created by government when it passes a statute. If your employer’s type of business is governed provincially, then British Columbia’s Employment Standards Act is the statute. If your employer’s type of business is governed federally, then federal law applies. Most types of businesses are governed provincially. Banks and Airlines are two examples of types of businesses that are governed federally. Common law is law created each time someone goes to Court. Over time, literally thousands of cases are decided by a Court. In each case, the judge decides how much severance pay to award by looking at many different factors such as length of employment and age of the terminated employee. What is Considered Wrongful Termination in British Columbia In British Columbia, the Employment Standards Act provides you with the following statutory entitlement to severance pay if you have been terminated without cause. Being fired, or let go without cause is known as wrongful termination or wrongful dismissal. After 3 months of service: 1 weeks’ pay After 12 months of service: 2 weeks’ pay After 3 years of service: 3 weeks’ pay, plus 1 week of pay for each additional year of employment (to a maximum of 8 weeks) In British Columbia, the common law will entitle you to severance pay in the range of 4 to 6 weeks severance pay per year of employment depending upon many different factors as described above. Remember that you are not entitled to any severance pay -either statutory or common law - if your employer can prove they have cause to terminate your employment. Can I Sue for Wrongful Dismissal? However just because your employer says they have cause to terminate, doesn’t mean they do. I had a case recently where I sued my client’s former employer. In their Response to Civil Claim, the employer alleged just cause. They listed numerous allegations against my client, including diverting customer money into my client’s own pocket. However, as soon as I demanded particulars of each and every allegation from the employer’s lawyer, their case began to fall apart. I ended up forcing the employer to pay my client a very significant amount of money due to wrongful termination. Wrongful Termination: What am I entitled to? If your employer’s business is covered by provincial law, then you are not entitled to your job back if your employer did not have just cause. All you are entitled to is severance pay. If your employer’s business is covered by federal law, you may be entitled to your job back. If you have been terminated, it is very important you seek legal advice from an experienced labor lawyer. I have been Wrongfully Dismissed - what are the next steps? If you have been wrongfully terminated, contact Wrongful Dismissal lawyer Tim Louis for a free telephone consultation. Don't accept a severance offer, or an exit agreement before first talking to an employment lawyer. Tim is on your side to fight for you and get the compensation you deserve or file a compliant. Contact Tim Louis today at (604) 732-7678! Learn More about Your Rights You need to know your rights, in order to ensure you are treated with the respect you deserve. Employment in British Columbia falls under the Employment Standards Act. Here are some links to learn more. Employee Rights in British Columbia Employment Standards Act - BC Law Workplace Rights Wrongful Dismissal --- - Published: 2022-02-13 - Modified: 2023-12-17 - URL: https://timlouislaw.com/fibromyalgia-and-long-term-disability-claims/ - Categories: fibromyalgia, long-term disability claims - Tags: fibromyalgia, fibromyalgia and chronic pain, Insurance Claims, long term disability, long term disability claims, long-term disability lawyer, Vancouver Lawyer   Fibromyalgia - Getting the Long-Term Disability Claim You Deserve by Tim Louis Fibromyalgia is a painful medical condition that many people in Vancouver and British Columbia face, and it is often misdiagnosed. About 2% of the population is affected by this very painful disease, and it has many side-effects that can make it very difficult to work or go about daily life. Going to work everyday and dealing with its symptoms of pain, fatigue, depression, sleep issues, memory troubles, headaches and even digestive problems can become extremely difficult. The chronic pain alone makes getting through a day of work impossible. While this is a long-term disability insurance issue, many insurance claims are denied. A long-term disability lawyer, like Tim Louis, can help you get the compensation you deserve if you are unable to return to work because of your diagnosis. Fighting with your insurance company for long term disability benefits is an uphill battle no matter what your disability. This is why many people will choose to hire an experienced lawyer. However it is even more difficult if you have fibromyalgia. Bad enough that it causes pain throughout the entire musculoskeletal system and is known to cause mental problems such as issues with memory and maintaining a stable mood. Even worse is the fact that the symptoms are subjective. There is no objective way of testing fibromyalgia as there is with say a broken bone – an x-ray. This gives your insurance company an unfair advantage – you have no way of proving that you have this disabling condition. There is no question that fibromyalgia can be profoundly disabling and is a disability. The federal government recognizes this. Canada Pension Plan disability benefits are awarded to many people with fibromyalgia every year. Fibromyalgia and Chronic Pain As fibromyalgia causes chronic pain, it can be impossible for individuals who suffer from it to continue working. In Vancouver and all over British Columbia, I have acted for many fibromyalgia clients whose long-term disability benefits have been denied by their insurance company. I will always collect evidence from collateral witnesses. For instance a spouse that gives evidence that the insured is in pain all day can be decisive. Many people with fibromyalgia will have good days and bad days. A good day is a gift from heaven, and my client will be tempted to do all the things they cannot do on bad days. Unfortunately this is not just a gift for my client, but also can be a gift from for my client’s insurance company. If they can obtain video surveillance of my client on this good day, they will try to use it to destroy my client’s case. I once had a fibromyalgia client who heard a knock on his door one evening. He opened the door and a very charming woman told him her car had stalled and asked him if he could push the car. He was having a good day and kindly did so. Unbeknownst to him it was all a set up – he was filmed pushing the car. I am very proud of the fact that I still obtained $300k for him. Long-Term Disability Claims Living with such a painful disease as fibromyalgia can be difficult, and you deserve long-term disability benefits. If you have fibromyalgia and your insurance company has denied your claim for long term disability benefits you should retain an experienced lawyer. By working with Tim Louis & Co, our team will carefully gather the evidence, make a case and help you get the long-term disability benefits you deserve. Get started with a free consultation. Hire a Long-Term Disability Lawyer to get Long-Term Disability Benefits for Fibromyalgia When you need a long-term disability lawyer to truly represent your best interests and not the interests of a big law firm’s bottom line, you need Tim Louis in Vancouver BC. Give Tim Louis a call today at (604) 732-7678 for a no-fee telephone consultation, during which he will answer all your questions, no matter how complex. He will gather the information about your condition of fibromyalgia needed to make a case for your need for long-term disability coverage, and answer all of your questions. Tim Louis’ goal is to obtain for his clients an out-of-court settlement equal to what the client would achieve by going to trial. He does this by thoroughly preparing for trial, even though the goal is to settle before trial. Contact us at (604) 732-7678 or send us an email at timlouis@timlouislaw. com. Learn More Fibromyalgia - Learn More Symptoms of Fibromyalgia Fibromyalgia Association of Canada     Client Reviews --- - Published: 2022-01-14 - Modified: 2022-02-13 - URL: https://timlouislaw.com/workplace-injury/ - Categories: Insurance Claims, Long-Term Disability Lawyer, Personal injury, Personal Injury Lawyer Vancouver, Safety, Slip and Fall, Vancouver Personal Injury Lawyer, Workplace Injury - Tags: employment lawyer, long term disability claims, long-term disability lawsuit, personal injury, workplace injury Workplace Injury - Can I sue my workplace for an injury? If you are injured on the job, the law does not permit you to sue your employer. Instead, you must make a claim with WorkSafeBC. The good news here is that you do not need to be concerned about your employer’s financial ability to pay you for lost wages and/or permanent lost earning capacity. The bad news is that WorkSafeBC can be a nightmare to deal with. You do not ever get your day in court. A workplace injury is any injury that occurs within your scope of employment. What this means is that your injury, in order to be covered by WorkSafeBC, does not have to occur at a specific worksite. If, for instance, you are driving and doing so as part of your employment, then you are covered. As example might be your employer asking you to leave your worksite to go on an errand. If you are running the errand as part of your employment and suffer an injury, you are covered by WorkSafeBC. Serious Workplace Injuries From 2010 -2019, there were over 63,000 serious workplace injuries reported in BC. (read more). According to WorkSafe BC, workers in B. C... . "missed 3. 2 million days of work due to work-related incidents and disease... "(Worksafe BC). The most common types of injury claims accepted by us were: Strains and other than back strains Back strains Cuts Contusions Fractures If you have been injured on the job, it is important to report the injury as soon as possible to Worksafe BC. It is also a good idea to contact personal injury lawyer Tim Louis to get the best legal advice regarding workplace injury to assist you in ensuring you get the compensation you deserve. Reporting a Workplace Injury Reporting a workplace injury is very easy. It can all be done over the phone (WorkSafeBC Teleclaim 1-888-967-5377). In order for you to be eligible for WorkSafe benefits, your injury does not need to occur at a specific time. A perfect example of this is carpal tunnel syndrome from typing. A worker who develops this syndrome will do so as a result of typing over a number of weeks if not years. Another example is lung cancer caused by exposure to asbestos. The “injury” would take place over many decades. As soon as you suffer a workplace injury, you should immediately report it, not only to WorkSafeBC, but also to your employer and your family doctor. Failure to do so may seriously weaken your claim. Your doctor will be asked by WorkSafeBC to confirm your injury. If it is a very serious injury and you are taken to a hospital by ambulance, do not leave it to the ambulance crew or the hospital to report your injury to WorkSafeBC. Most WorkSafeBC are relatively straight forward. However, sometimes, this is not the case. If you feel that you are not being treated fairly by WorkSafeBC, you should immediately hire a workplace injury lawyer familiar with WorkSafe claims. Repealing Workplace Injury Decisions Appealing Worksafe decisions to court is very difficult and rarely successful. In 2016 an injured worker, Anna Currie was successful. The chambers judge overturned Worksafe’s decision to refuse to provide retroactive vocational rehabilitation benefits to her. Sadly, Worksafe simply appealed the chambers judge decision to the BC Court of Appeal. The BCCA reinstated the Worksafe decision to refuse to provide retroactive vocational rehabilitation benefits. Read More Workplace Safety To keep everyone safe on the job, all employees should participate in workplace safety protocols. This group collaboration works to protect everyone, increase safety on the job, prevent workplace injury and helps with overall productivity. In order to prevent workplace injury, it is important to: Always report unsafe work conditions Keep a clean workstation Ensure you always wear protective equipment such as hard hats and steel shank/toe boots Take breaks - workplace injury often occurs when people are tired Don't skip any steps to get the job done faster - follow workflow procedure for safety Stay up to date with new safety protocols and procedures Use proper posture and follow safe working and lifting procedures Help the new employees - guide them on looking after their health, safety and the safety of the workplace Injured on the Job? If you have been injured on the job, contact Tim Louis today to get the best legal advice. As a seasoned personal injury and long-term disability lawyer, he will provide you with the best legal advice and help you navigate the complications of a WorkSafe BC claim. Give Tim Louis a call today at (604) 732-7678 for a no-fee telephone consultation, during which he will answer all your questions, no matter how complex. Sources: Provincial Overview by Worksafe BC. Free data visualization software. (n. d. ). Retrieved January 16, 2022, from https://public. tableau. com/app/profile/worksafebc/viz/Provincialoverview/Didyouknow Worksafe BC: Facts & figures. WorkSafeBC. (2021, March 12). Retrieved January 16, 2022, from https://www. worksafebc. com/en/about-us/shared-data/facts-and-figures     Client Reviews --- - Published: 2021-12-08 - Modified: 2025-02-15 - URL: https://timlouislaw.com/slip-and-fall/ - Categories: Injury Claims, Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Slip and Fall - Tags: slip and fall, slip and fall injuries, slip and fall lawyer Slip and Fall Injury If you are suffering from a slip and fall injury, you do not need to prove that it was not your fault. What you do need to prove is that it was the fault of the owner or occupier of the property where you suffered your injury. Many slip and falls occur in stores, and are caused by something having been left on the floor such as a liquid or an object. Your lawyer will make a demand for the store’s floor inspection policy. If they do not have such a policy, you have a very strong case. If they have such a policy, your lawyer will make a demand for the floor inspection log. If the log does not confirm that the floors were being inspected as the schedule called for, then you have a very strong case. Sidewalk Slip and Fall Cases Sidewalk slip and fall cases are much more difficult, but with the right facts, you may still have a very strong case. BC courts have held that municipalities must have a written policy requiring sidewalks to be repaired if there is a lip above a fixed height. The courts leave it to the municipality to decide what height is specified in the policy. If you suffer a slip and fall caused by a lip higher than that permitted in the municipality’s policy, then you have a very strong case. However, even here you will lose your case if you or your lawyer do not give written notice to the City Clerk within 60 days of your Slip and Fall. The notice does not need to be fancy: just the date, location and a general description of your injuries. Some slip and falls occur on stairways. In this case, your lawyer will not be looking for a policy. Instead, your lawyer will hire an architect or an engineer who measures the stairway, and compares it with the Building Code. You would be surprised at the number of stairways, both residential and commercial, that do not comply with the Building Code. Slip and Fall Cases One of the first things I ask all of my slip and fall clients for are pictures of the location. This helps me begin to get an idea as to whether or not my client has a case. Sometimes the defendant owner or occupier will argue that your Slip and Fall was at least partially your fault. The defendant’s lawyer will want to know what type of shoes you were wearing. Had you consumed any alcohol or drugs immediately before the slip and fall. Did you already know of the unsafe condition – for instance, you knew that the stairway was unsafe to use. Your lawyer will order medical legal reports from your caregivers including your family doctor and any specialists you were referred to. Your lawyer will ask your caregivers to provide a diagnosis of the injury you suffered and also a prognosis – are you going to recover or is it a permanent injury. If your injury has made it harder for you to work, or worse yet stopped you from working, your lawyer will order an expert report from a vocational consultant and a report from an economist who will measure the worth of your future income loss. If your injury is going to result in care costs into the future, then your lawyer will also order a Future Cost of Care report. Care costs are things such as treatment fees and housekeeping. Personal Injury Lawyer Tim Louis - Slip and Fall Injury Claims I recently settled a case for Michael Lesik. He suffered injuries when he fell walking down a stairway. He left the following review: “If you are looking for a lawyer who is very intelligent, organized, knowledgeable, experienced, knows the law, humanistic and is committed to represent your interests. STOP! ! Go no further! ! Your search is over! ! Your legal representative is Tim Louis. In addition, Karolina and Krista make a formidable legal team. They are knowledgeable, reassuring and a pleasure to work with. Collectively they make a winning team. ” I have been successfully representing Slip and Fall victims for 37 years. If you would like a free consultation, call me at 778-855-3494. If you would like to know what my previous clients have to say about me, check out my reviews. Testimonials Learn about the Occupier’s Liability Act: https://www. bclaws. gov. bc. ca/civix/document/id/complete/statreg/00_96337_01     Client Reviews --- - Published: 2021-12-02 - Modified: 2024-02-29 - URL: https://timlouislaw.com/personal-injury/ - Categories: Injury Claims, Personal injury, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips - Tags: personal injury, Personal Injury Lawyer, slip and fall, Vancouver Lawyer Personal Injury Law Questions Have you recently suffered injuries because of a personal injury such as a slip and fall? You don't have to suffer ongoing pain and deal with a loss of income on your own. Personal Injury Lawyer Tim Louis will fight for a fair settlement and the compensation you deserve. When you get injured due to someone's negligence, you need the best advice possible from an experienced lawyer. In the last month, I have received a number of questions about personal injury. Here are just a few of these questions with the answers I provided. “Are personal injury claims taxable? ” The good news here is that personal injury claims are not taxable. However, you should be aware of the fact that if you are compensated for past loss of income (income you did not receive because of the personal injury) the defendant is only liable to you for what your net income would have been. Your net income is your gross income minus all deductions, including income tax. “How to hire a personal injury Lawyer? ” One of the best ways to choose the right personal injury lawyer is to see what previous clients say about that lawyer. It is next to impossible to fully assess a lawyer’s ability to serve you during an interview. On the other hand, former clients who have been represented throughout their entire claim up to and including settlement or trial, will be able to give you a much more complete and well-rounded assessment of the lawyer you are considering. Once you have selected a lawyer, you will meet with her/him for an initial appointment at which the lawyer will obtain from you all the information necessary to open your file, draft a contract between you and the lawyer and start the law suit. “When do I hire a personal injury lawyer? ” There are very few situations I am aware of where the injured party did not require a lawyer. Even where liability is admitted by the at-fault party, it will be very difficult, if not impossible, for the injured party to get full compensation without a lawyer. A lawyer will know how best to go about getting all of the necessary expert reports. These expert reports may not just come from the family doctor and other caregivers, but also from a vocational consultant and an economist. If you have been injured, contact Vancouver personal injury lawyer Tim Louis at (604) 732-7678. Tim Louis is a personal injury lawyer who represents your best interests, rather than a big law firm's bottom line. With over forty years experience in Personal Injury Lawyer, he is your best choice for a lawyer when you get injured. Whether it is a dog bite, or you were injured as a result of someone else's negligence, you deserve the guidance and support of and experienced lawyer who is ready to fight for your rights. After the trauma of being injured, the last thing you want to do is deal with the stress of legal issues - Tim Louis is here to guide you through the legal issues, answer your questions and fight for you. Settling before a trial is the best way to get the compensation for a personal injury. Tim Louis’ goal is to obtain for his clients an out-of-court settlement equal to what the client would achieve by going to trial. He does this by thoroughly preparing for trial, even though the goal is to settle before trial. In this way, he is able to get you the very best settlement. Have more questions? Contact us at (604) 732-7678 or send us an email at timlouis@timlouislaw. com.     Client Reviews --- - Published: 2021-10-14 - Modified: 2022-02-13 - URL: https://timlouislaw.com/termination-without-cause/ - Categories: Employment Law, Employment Lawyer, Wrongful Dismissal, Wrongful Termination - Tags: breach of contract, employment law, employment lawyer, fired, wrongful dismissal, wrongful dismissal lawyer, wrongful dismissal lawyer Vancouver, wrongful termination, wrongful termination lawyer Termination Without Cause - Wrongful Dismissal When an employee is terminated without cause, it means they are being let go for reasons such as cost cutting, restructuring, or realignment. All employees in Canada are entitled to a certain amount of notice (or pay in lieu of notice) if an employer without just cause terminates them. This compensation is in place to protect employees left without employment with no warning or any type of income. If you have been terminated without cause in BC, you may have several questions regarding this topic. Below we have compiled some helpful information to help you understand how much you are entitled to when terminated without cause and when payment is required. How Much Are You Entitled to When Terminated Without Cause in BC? Termination without cause is perfectly legal in BC if the employer provides you with reasonable notice of termination. Reasonable notice can be given in the form of working notice, pay in-lieu-of working notice or both. If a BC employer does not provide an employee with reasonable notice, adequate compensation must be issued. If a BC employer fails to do so, a wrongful dismissal case could be brought against them. How much payment is required depends on the length of time an employee was employed: After three consecutive months of employment: one week's pay must be provided After 12 consecutive months of employment: two weeks’ pay must be provided After 36 consecutive months of employment: three weeks’ pay must be provided For each additional year: a week’s pay (up to a maximum of eight weeks) must be provided How Much Pay Are You Entitled To When Terminated Without Cause? There are two types of law – Statutory Law and Common Law. The statutory requirements for notice are as follows: One week's pay must be granted after 3 consecutive months of employment Two week's pay must be granted after 12 consecutive months of employment Three weeks' pay must be provided after 36 consecutive months of employment. A week's pay up to a maximum of 8 weeks must be granted for each additional year. According to common law, reasonable notice is based on length of service, type of position (including salary), age of the employee, and availability of similar employment at the time of termination. Under these requirements, reasonable notice may amount to at least one month per year of employment. The Period of Common Law Notice Can Be Varied - BC Employment Law Under common law, severance is not just one or two weeks' compensation -- an employee terminated without cause can be owed up to 24 months of pay. However, it may be stipulated in the original employment contract when hired by the company. This contract may require less notice of termination than common law requirements, but not less than the entitlements listed under the BC Employment Standards Act/Statute Law. Have You Been Terminated Without Cause in BC? If you are involved in a termination without cause situation, it is important you speak with Tim Louis, an experienced employment lawyer, to ensure that your employment rights are applied, and you have been provided with fair compensation. Hiring a lawyer that specializes in employment law will help ensure that you receive a""fair settlement. If you have been let go by your employer or require a severance package review, contact Tim Louis Law today by calling 604-732-7678 or email timlouis@timlouislaw. com, and we will set you up with a no-obligation telephone consultation. Learn more about termination without cause in the BC Employment Standards Act          Client Reviews --- > Long-Term Disability Lawsuit - Many of my long-term disability clients are under the mistaken belief that if they win at trial the judge will order the insurance company to... - Published: 2021-08-25 - Modified: 2022-02-13 - URL: https://timlouislaw.com/long-term-disability-lawsuit/ - Categories: disability insurance, Injury Claims, Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: long term disability, long term disability claims, long term disability insurance, long-term disability lawsuit, long-term disability lawyer Long-Term Disability Lawsuit: Expert insights from long-term disability lawyer Tim Louis. Many of my long-term disability clients are under the mistaken belief that if they win at trial the judge will order the insurance company to pay my client one lump sum equivalent to the amount of each monthly payment multiplied by the number of months from the trial to the date of my client’s retirement. Unfortunately, this is not the case. If you win your long-term disability lawsuit the court will order your insurance company to begin paying you monthly. There will be no lump sum representing what is referred to as “future benefits”. With the above in mind, I was quite interested in the Court of Appeal decision in a case approximately three years ago. The Plaintiff, Nadine Lydia Gascoigne, had successfully sued Desjardins Financial Security Life Assurance Company for her long-term disability benefits. Her lawyer had asked the trial judge to aware a lump sum for Ms. Gascoigne’s future benefits. The trial judge refused to do so and instead ordered Desjardins to begin making monthly payments. Her lawyer appealed the trial judge’s decision not to award a lump sum for future benefits. The BC Court of Appeal turned down Ms. Gascoigne’s appeal. Here are two paragraphs from the BC Court of Appeal Decision: In short, in my view, the trial judge correctly found he was bound by Warrington, as we are, to find that a non-contracting beneficiary of a group policy is entitled to enforce the payment of benefits, but not entitled to terminate the group policy or accept the insurer’s repudiation. The appellant did not advance any basis other than fundamental breach of the policy as a ground upon which she might be entitled to a lump sum award. It is not necessary, therefore, for us to determine whether such an award can be made for the breach of a disability insurance contract and breach of the duty of good faith. However, in this case, two obstacles stood in the way of such an award. First, the bad faith established was not found to be such as to preclude continuing performance of the parties’ contractual obligations, and second, the appellant’s own expert witness testified that she has “not yet reached the point of maximal medical improvement”. Some further interventions were contemplated, and she would suffer “some degree of vocational disability” for “an unknown period of time”. There was clearly a basis for the judge to say the evidence did not establish that the appellant would remain disabled from any occupation. He could properly regard that as a reason not to grant any relief other than the declaratory order made with respect to continuing benefits. This means that the law remains as it always has been – if you successfully sue your long-term disability company, you will not be awarded a lump sum for future benefits, but rather begin receiving monthly payments. Read more about the long-term disability lawsuit case here: Gascoigne v. Desjardins Financial Security Life Assurance Co. (c. o. b. Desjardins Insurance), B. C. J. No. 1821, 2020 BCCA 316, British Columbia Court of Appeal, November 3, 2020, M. E. Saunders, P. M. Willcock and G. B. Butler JJ. A.       Client Reviews --- > Personal Injury Lawyer for Whiplash - Seek medical attention right away and contact an experienced personal injury lawyer, like Tim Louis, who has the background, compassion, and skill to help you receive the compensation you deserve. Delaying your personal injury case may be detrimental to your future. - Published: 2021-08-17 - Modified: 2022-02-13 - URL: https://timlouislaw.com/personal-injury-understanding-whiplash/ - Categories: Injury Claims, Insurance Claims, Personal Injury Lawyer Vancouver, Vancouver Personal Injury Lawyer - Tags: personal injury, personal injury attorney vancouver, personal injury law, Personal Injury Lawyer, sports injury, Tim Louis - Personal Injury Lawyer, whiplash, work injury Personal Injury: Whiplash Seek medical attention right away and contact an experienced personal injury lawyer, like Tim Louis, who has the background, compassion, and skill to help you receive the compensation you deserve.   Personal Injuries: Understanding Whiplash Whiplash is a relatively common personal injury caused by a sudden and forced rapid back-and-forth motion of the head. Most people associate whiplash with a vehicle crash, however, a personal injury like whiplash can also happen at any time, such as at the workplace, in sports, or from any type of fall or physical trauma. All forms of neck injuries can cause an intense flexing and extension of the neck -- and usually involve the muscles, discs, nerves, and tendons. How Do You Know if You Have Whiplash? Your doctor will conduct a physical exam, observing your range of motion, and may order an X-ray, MRI, or CT scan if they suspect you have whiplash or any other injury that has caused damage to your spinal cord or if you have any other broken bones. In many cases, the injury occurs within structures too microscopic to be visible on these tests, resulting in relying on symptoms to tell if a patient has whiplash. Symptoms of Whiplash Many people assume that one must be hit hard from the front or behind to experience whiplash, but in reality, it only takes roughly 5-10 mph speeds to get a jolt hard enough to give you a serious whiplash injury. Thankfully, whiplash is not life-threatening, but for some several symptoms can appear days, months, or even years later -- leading to a substantially lowered quality of life for those who suffer from a severe form of whiplash. Common symptoms may include: Dizziness Fatigue Jaw pain Headache Shoulder stiffness Vision issues Muscle spasms Head and neck pain Decreased range of motion Back pain Insomnia Tinnitus Issues with concentration If you have been involved in an accident, ensure that you seek medical attention right away. Even if you do not experience any of the above symptoms, it can take 48 hours or longer for whiplash symptoms to present themselves after an injury. In more severe and chronic cases of “whiplash associated disorder” symptoms may include: Depression Frustration and anger Anxiety and stress Possible drudge dependency Post-traumatic stress syndrome (PTSD) Insomnia How Long Will Your Neck Hurt After An Accident? Most people recover from whiplash within a couple of weeks up to a few months. However, there is no specific timeline with regards to how long symptoms will last after a whiplash or any other personal injury. Everyone is unique, and healing times can depend on the severity of the injury, and whether scar tissue has formed -- leading to other chronic issues such as disc herniation and lifelong pain. While some people may never experience symptoms after an injury, others may live with excruciating pain for weeks, months, or even years. Any severe neck injury requires ongoing medical attention and care, which can get expensive and should be taken into consideration related to your injury claim. How is Whiplash Treated? Your doctor may prescribe muscle relaxers and or anti-inflammatories to manage pain and inflammation. Ice is often recommended for the first 24 hours after injury, and later, applying heat may help loosen up tightened muscles and knots. For more serious whiplash injuries, physical therapy may be recommended to help regain strength and range of motion. Studies have shown that stretching and rotating the neck muscles is a more effective form of therapy. Medical professionals now recommend this form of controlled movement as opposed to immobilizing the neck in a soft cervical collar, which was the recommended option in the past. How Can Personal Injury Lawyer Tim Louis Help With Your Whiplash Personal Injury? Patients with minor symptoms may find that whiplash pain goes away within days or weeks. However, those with more severe symptoms may require medical attention and extensive therapy for pain relief and recovery. If you or a loved one is suffering from whiplash, your injury may be more serious than you expected. Seek medical attention right away and contact an experienced personal injury lawyer, like Tim Louis, who has the background, compassion, and skill to help you receive the compensation you deserve. Delaying your personal injury case may be detrimental to your future. Contact our team today by calling 604-732-7678 or email Tim Louis at timlouis@timlouislaw. com for a no-obligation, free consultation. We’re on your side.     Client Reviews --- - Published: 2021-07-13 - Modified: 2022-02-13 - URL: https://timlouislaw.com/chronic-pain-long-term-disability-claims/ - Categories: disability insurance, Injury Claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: Chronic Pain, long term disability, long term disability claims Chronic Pain & Long-Term Disability Claims - Contact Tim Louis Suffering injuries from an accident or mishap can be a frustrating experience. Ongoing chronic pain some individuals experience is a general term but is a reality that numerous accident victims have to learn to cope with even after fulfilling their medical treatments. If you find it challenging to get through the workday and cannot fulfill your daily work-related duties or function day-to-day, you are not alone. According to the Canadian Pain Task Force Report (Sept 2020), an estimated 7. 63 million, or 1 in 4 Canadians aged 15 or older, live with chronic pain. What is Chronic Pain? Chronic pain is the result of changes within the nervous system. The nerves continue to fire and signal, leading to pain that remains long after an injury has healed. It may take weeks, months,or even years to completely heal. Lingering chronic pain can take control of your life and causefurther damage, especially to your mental state. Chronic pain can result from a musculoskeletal injury, nervous system dysfunction, chronic diseases, and autoimmune disorders. In 2019 chronic pain was recognized by the World Health Organization (WHO) as a disease inits own right for the first time, resulting in updates to the latest (11th) version of the InternationalClassification of Diseases (ICD-11). This distinction is significant as it validates the struggle forthe millions of people around the world who are living with chronic pain. Chronic pain is classified as chronic primary pain or chronic secondary pain. Acute pain is short-lived and typically lasts no more than 30-60 days, whereas chronic secondary pain can range in intensity and lasts from 6 months or longer. Chronic Pain Education & Support For more information, we highly suggest visiting Pain BC, a non-profit, helpful organization that works to reduce the burden of chronic pain for individuals in BC. They empower people who live with pain; providing them with a wide variety of helpful, informative resources and the support required to enhance their well being: https://www. painbc. ca The Most Common Claims Associated with Chronic Pain Several injuries are commonly associated with long-term disability claims: Neck pain Lower back pain Shoulder pain Pain stemming from Fibromyalgia Recurring headaches and migraines Cancer pain Arthritic pain Musculoskeletal pain Chronic migraines and headaches Pain associated with Lupus Chest pain Abdominal pain Symptoms of chronic pain include: Burning sensation Sensitivity to touch, cold, heat, and more Flare-ups Dull Ache Throbbing Soreness Stiffness What Causes Chronic Pain? Repetitive stress injury, including carpal or cubital tunnel problems Respiratory problems Complex regional pain syndrome (CRPS) and fibromyalgia Neurological problems Loss of hearing and vision Chronic pain after a motor vehicle accident Filing a Long Term Disability Claim for Chronic Pain If chronic pain has affected your ability to continue working, you may have the option of receiving long-term disability benefits if you are covered under such a policy through your employer. You must however present verification that chronic pain has resulted in the inability to continue working. The evidence required depends on the nature of your condition and any other associated ailments. What You Need to Provide for Filing a Long-Term Disability Claim To file a disability claim for chronic pain, you must document your symptoms and experiences and discuss them with a medical professional. Your doctor will assess your medical history and order x rays, tests, and/or scans to determine if there is joint or tissue damage that may explain your pain. Examples of documentation that may be required: Any physician statements and an official diagnosis A journal documenting your pain over time Test results Information about your history of treatment Witness statements from family, friends, and or co-workers who can attest to your condition affecting your ability to work and function day-to-day. Any accidental reports Our Law Firm Provides Results-Oriented Representation for Even the Most Complex Cases. Do not give up hope if your long-term disability benefits have been denied. If you have been experiencing chronic pain that has affected your ability to function personally or professionally and would like to discuss legal options, the compassionate team at Tim Louis Law & Company will provide you with a free, no-obligation evaluation. We represent clients in a broad range of injury claims and will take all necessary steps to obtain fair and full compensation for injuries. Contact us today by calling 604-732-7678 or email us at timlouis@timlouislaw. com Sources: https://www. canada. ca/en/health-canada/corporate/about-health-canada/public-engagement/ext ernal-advisory-bodies/canadian-pain-task-force/report-2020. html https://www. iasp-pain. org/PublicationsNews/NewsDetail. aspx? ItemNumber=8340     Client Reviews --- - Published: 2021-06-14 - Modified: 2025-05-11 - URL: https://timlouislaw.com/wills-variation-bc/ - Categories: Wills Variation - Tags: Disinherited, estate litigation, WESA, Wills Variation, Wills Variation BC, Wills Variation Law Wills Variation in B. C. If you have not been adequately provided for in your parent's or spouse's will, it may be possible to get a court to vary the Will. In British Columbia, the Wills, Estates and Succession Act (WESA) governs Wills. Even if a Will is valid under the WESA Act, a court will vary the Will if adequate provision has not been made for the Will Maker's spouse and children. What is Wills Variation? Wills variation is an opportunity for a surviving spouse or child, including an adult child, of a deceased Will Maker to apply to court for a court order to vary the Will. Some provinces and territories limit claims to children under a certain age; however, in British Columbia, children (natural and adopted), including adult children, can apply to a court to have the deceased Will Maker's Will varied. Spouses including married spouses,common-law spouses, and spouses of the same gender may also apply to court to have the deceased Will Maker's Will varied. Under WESA, married couples are no longer considered to be spouses if they have lived apart for at least two years and have both intended to do so as a permanent arrangement. Common-law spouses are no longer considered to be spouses when one or both end the relationship. In deciding whether to vary a Will, the courts will consider the size of the estate, the relationship claimants had with the deceased, and the financial means of the claimants. The courts will also establish whether they received any gifts outside of the Will (i. e. , life insurance policy) or any gifts within the deceased’s lifetime. How Do You Vary a Will? A Wills Variation lawyer will require the following information: A copy of the will (if one is available) Details regarding probate, including the date of grant of probate Details of the estate assets and disputed sums Details of the other beneficiaries. Key factors may include: The relationship between the spouse or child and the deceased Will Maker Any promises made Any wrongdoing on the part of the spouse or child The type of support given by the Will Maker to the party applying to vary the will, during an individual’s life The size of the estate The needs of the spouse or child Several factors play a role in this decision. A wills variation lawyer will work closely with you to determine if there are grounds to pursue a change in the will. Your lawyer must file the Notice of Civil Claim in a BC Supreme Court registry within 180 days of the date of issuance of an estate grant, grant of administration, or resealing grant. Time Limitation for Starting Will Dispute Claims It is essential to understand how long you have to challenge a Will, as there are strict time limitations when submitting a will variation claim. If you miss the deadline, you will lose the opportunity to ask the court to change the way a Will divides an estate. The time limitation for taking legal action is 180 days (approximately 6 months) from when the grant of probate was awarded. Probate is the process by which the Will is proved valid and legitimately that of the deceased. If a claim is received after the limitation date, the claim is considered statute-barred. Meaning that legal action will no longer be allowed because the time limit has exceeded the timeline. Are Limitation Periods for Claims Ever Extended? In most cases, no. Time limitations are strictly enforced by the courts -- meaning that you must be aware of the time limitation for the type of claim you want to bring forward and ensure that you file the case within the time limitations. We strongly advise working with a lawyer to ensure you do not miss these crucial deadlines. Contact an Experienced Wills Variation Lawyer Applying to vary a Will is a complex legal procedure. If your deceased parent or spouse has not made adequate provision for you in their Will, we highly suggest you obtain legal advice from an experienced Wills variation lawyer in your province as early as possible. Tim Louis Law is here to help. Contact Tim Louis and his compassionate, trusted team of experts at 604-732-7678 or email timlouis@timlouislaw. com for a free, confidential case evaluation. Sources: https://www. bclaws. gov. bc. ca/civix/document/id/rs/rs/96490_01 https://www. bclaws. gov. bc. ca/civix/document/id/complete/statreg/00_09013_01     Client Reviews --- - Published: 2021-05-26 - Modified: 2022-02-27 - URL: https://timlouislaw.com/undercompensation-of-mental-distress-damages-in-disability-insurance/ - Categories: disability insurance, Injury Claims, Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: disability insurance, Long-term Disability Coverage Disability Insurance: Undercompensation of Mental Distress Damages Insights into Disability Insurance undercompensation by Long-Term Disability Lawyer Tim Louis Introduction Disability insurance is contractual in nature. When a disability insurer denies benefits to a disabled claimant, the claimant may sue for breach of contract to recover the benefits. Additionally, the claimant may seek mental distress damages, punitive damages, and special costs. Mental distress damages are intended as compensation for the claimant’s psychological injury; punitive damages are intended to punish the insurer’s misconduct; and special costs are awarded only in unique circumstances. This article focuses on mental distress damages. As these damages are compensatory, they are comparable in nature to damages for psychological injuries in tort; yet, mental injuries have given rise to substantially higher quantum awards in tort claims than in disability insurance cases. This disparity is only partially explained by disability insurance claimants’ pre-existing conditions. In this article, we examine this disparity and the case law through which it has arisen, and propose that this disparity has no principled basis. Contract and Tort Law: Similar Compensatory Principles Hadley v. Baxendale (1854), 9 Ex. 341 , a decision of the Court of Exchequer Chamber, provided that where one party had breached a contract, the other party could claim compensatory damages arising “from such breach of contract itself, or such as may reasonably be supposed to have been in the contemplation of both parties, at the time they made the contract, as the probable result of the breach of it. ” In Fidler v. Sun Life Assurance Co. of Canada, 2006 SCC 30 , the court applied the principles of Hadley to a disability insurance contract. The court reasoned that disability insurance contracts are “peace of mind” contracts: the insured party has entered the contract for the tangible benefit of financial payments if disabled, but also for the intangible psychological benefit of having a reasonable expectation of income security. Both parties would have reasonably contemplated these benefits at the time they made the contract. As such, if an insurer wrongfully withheld disability benefit payments, the insured’s mental distress arising from their loss of income security would be compensable, following the principle set out in Hadley. Psychological injuries are compensable in tort claims through non-pecuniary damages. The courts have implied that the mental distress damages arising from breach of contract should be the same as those arising through a tort claim. In Mustapha v. Culligan of Canada Ltd. , 2008 SCC 27 , the court stated with respect to damages that “ith regards to Mr. Mustapha’s psychiatric injury, there is no inconsistency in principle or in outcome between negligence law and contract law. ” This was followed in Lau v. Royal Bank of Canada, 2017 BCCA 253 , with the court stating “he test for mental distress damages is, in principle, the same in contract and in tort. ” In Saadati v. Moorhead, 2017 SCC 28 , the court determined that a psychiatric diagnosis was not a prerequisite for compensation for psychological injuries in tort law. The court reasoned that the damages awarded for mental injury are not based on the injured party’s diagnosis, but rather on that party’s symptoms and their effects (para 31). While Saadati was based on a tort claim, its reasoning was adopted and applied in Lau for mental distress arising from a breach of contract. Contract and Tort Law: Similar Tests for Psychological Damages Where an insurer has wrongfully denied disability benefits, the test for whether to award mental distress damages is provided in Fidler at paragraph 47: The court must be satisfied: (1) that an object of the contract was to secure a psychological benefit that brings mental distress upon breach within the reasonable contemplation of the parties; and (2) that the degree of mental suffering caused by the breach was of a degree sufficient to warrant compensation The test for whether to award damages in negligence is set out in Mustapha at paragraph 3: A successful action in negligence requires that the plaintiff demonstrate (1) that the defendant owed him a duty of care; (2) that the defendant’s behaviour breached the standard of care; (3) that the plaintiff sustained damage; and (4) that the damage was caused, in fact and in law, by the defendant’s breach. These are very similar tests. Firstly, there must be a breach, whether of a contractual duty to pay disability benefits, or of a common law duty. Secondly, there must be sufficient damage sustained to warrant compensation. In the tort claim in Mustapha, the court set stated that for psychological injury to be compensable, it must be “serious and prolonged and rise above the ordinary annoyances, anxieties and fears that people living in society routinely, if sometimes reluctantly, accept” (para 9). Similarly, the court in Fidler stated it must be “of a degree sufficient to warrant compensation” (para 47). As noted in Saadati and Lau, this will not necessarily require expert medical evidence. Finally, the damages must be caused in fact and in law by the breach. In Mustapha, the court found that the plaintiff’s psychological injuries must be a reasonably foreseeable result of the defendant’s breach of its duty of care in order to meet the test for legal causation. The court in Fidler, applying the principles of Hadley, applied a test of whether damages arising would have been in the reasonable contemplation of the parties; this is quite similar to the reasonable foreseeability test in Mustapha. Contract and Tort Law: Different Quantum Ranges In Asselstine v. Manufacturers Life Insurance Co. , 2005 BCCA 292 , the court reviewed previous awards for mental distress damages in disability insurance, and found they typically ranged between $10,000 - $20,000. The court upheld the trial judge’s award of $35,000, finding this amount to be at the upper end of the range for mental distress damages. In contrast to Asselstine, tort cases in BC have provided a significantly wider range of damages for psychological injuries. In Hans v. Volvo Trucks North America Inc. ,... --- - Published: 2021-05-12 - Modified: 2023-06-22 - URL: https://timlouislaw.com/what-is-wrongful-dismissal/ - Categories: Employment, Wrongful Dismissal - Tags: employment lawyer, fired, wrongful dismissal, wrongful dismissal lawyer, wrongful termination What is Wrongful Dismissal? If you've been terminated by your employer, or just want a clear understanding of your rights when it comes to wrongful dismissal law in BC, you've come to the right place. We always encourage employees to seek advice from an experienced legal team that specializes in employment law; however, we also like to educate our clients so they become more familiar with key terms to gain a broad understanding of laws surrounding wrongful dismissal claims.   What is Wrongful Dismissal? A wrongful dismissal occurs when an employee is terminated by their employer without being provided any reasonable notice. Generally, there are 3 types of wrongful dismissal scenarios: An employer terminates employment without cause and refuses to pay adequate compensation. An employer terminates an employee for cause and fails to pay compensation. An employer alters terms and conditions of employment and ‘constructively dismisses’ an employee by creating a hostile, toxic and intolerable work environment -- resulting in the employee being forced to resign from their position. If you are an employee in BC, your rights are protected by both the Employment Standards Act of British Columbia and federal law -- however, it is important to note that a wrongful dismissal claim does not occur simply because an employer has terminated an employee for an illegitimate reason. For example, an employer may have terminated an employee for financial reasons, when in fact there is no basis for doing so. An employer does not legally have to be completely honest with their reasons for termination, as long as they have just cause to terminate or provide reasonable notice of termination or salary in lieu of notice. The notice period an employee is entitled to will vary depending on these factors: Length of employment Age of the employee Type of position (including salary) Availability of similar employment in the job market at the time of termination   What is ‘Just Cause? ’ Under Canadian law, an employer can legally apply just cause termination in the event of serious employee misconduct such as theft, sexual harassment, dishonesty, conflict of interest, incompetence, insubordination, and other types of highly inappropriate conduct during employment. Some “just cause” actions are easier for an employer to prove than others. Under these circumstances, an employer can terminate an employee immediately without any requirement to provide: Warnings Reasonable notice Severance pay Pay in lieu of notice   Proving Wrongful Dismissal The first thing you will want to do is prove that you were an employee of the company. Generally, this can be done by providing: Your letter of termination Your Record of Employment (ROE) Pay stubs Proof that you were terminated without adequate notice. Moving forward, your employer must prove that you were dismissed for ‘just cause. ’   Do Not Sign a Severance Offer When you are terminated, your employer may offer you an exit agreement and or offer you a severance package to sign off on, with a short deadline. If you feel you have been wrongly dismissed, do not sign a severance offer before speaking to an employment lawyer. Your employer cannot legally impose a deadline on your full severance entitlements. Legally you have 2 years following termination to receive your severance pay -- if you sign off on a severance package from your employer, you have also signed away your right to pursue legal action for severance pay under common law.   Timeline for Filing a Wrongful Dismissal Case in B. C. To file a claim under the B. C. Employment Standards Act, you have 6 months from the termination date. To sue your employer, you have 2 years from the date you were let go. This goes for employees who work full-time, part-time, or an employee on probation   Contact A Trusted Employment Lawyer If you feel you may have been wrongfully dismissed, it is important to obtain legal advice as early as possible. If you or someone you know has experienced a wrongful dismissal, Tim Louis Law is here to help. We are on your side and will fight hard to ensure that our clients receive full compensation. For more information or to set up a free consultation with Tim Louis & his compassionate, trusted team of experts, call 604-732-7678 or email timlouis@timlouislaw. com Source: https://www. bclaws. gov. bc. ca/civix/document/id/complete/statreg/00_96113_01     Client Reviews --- - Published: 2021-04-09 - Modified: 2022-02-13 - URL: https://timlouislaw.com/slip-and-fall-injuries-in-british-columbia/ - Categories: Uncategorized - Tags: British Columbia, Occupier's Liability Act, personal injury, slip and fall injuries, vancouver personal injury lawyer Slip and Fall Injuries in British Columbia Many people in British Columbia are injured every year due to slip and fall accidents. These types of injuries can occur in almost any location, whether it is from a wet floor at a grocery store, or an uneven sidewalk. Injuries can also result from accidents due to snow, ice, liquid, or any other hidden hazards. Slip and fall claims in BC are governed by the Occupier’s Liability Act. To be successful in a slip and fall claim, one must prove that the occupier was negligent to some extent. Note that an occupier’s duty of care does not require the occupier to remove every possibility of danger. The test is one of reasonableness, not perfection. The Difference Between ‘Premises’ and ‘Property’ ‘Property’ refers to the entire land, building(s), equipment, or structure(s) owned by the landowner ‘Premises’ refers to only the portion or components of the property that are subject to the lease. What to Do Immediately After a Fall Immediately after a fall, it is common to feel a sense of embarrassment. This is completely normal and to be expected. As human beings we are used to being in control of our bodies -- a sudden, unexpected fall in public can make one feel self-conscious. It is important however not to minimize your experience at the scene of a fall. If you are unable to move and require medical attention, stay where you are and request help at the scene. When you leave the scene, immediately seek medical treatment at a hospital or medical clinic. It is important to know that your actions -- whether it is what you say, or what you do in the aftermath of a slip and fall, may influence the outcome of your claim especially when involving complex issues relating to liability. We highly suggest that you contact a slip and fall personal injury lawyer at the earliest stage possible. What to Do in the Days or Weeks After a Slip and Fall As the days or weeks pass after the initial slip and fall accident, there is a high probability that you may be contacted by the occupier or by their insurers. It may seem that they are reaching out to assist you, but this is not always true. If you are the victim of a slip and fall accident, you should contact your lawyer before communicating to avoid saying anything that could hurt your claim. It is also important to seek appropriate medical attention from a trusted physician to ensure you are thoroughly examined. Making a Slip and Fall Claim To prove that the occupier or owner of the premises is liable for your slip and fall injury, you must be able to prove that they failed to keep their premises in a reasonably safe condition. Evidence is necessary to prove this, so if you have been involved in a slip and fall accident, we suggest that you follow these steps: Take photos of the scene of an accident Collect contact details of any witnesses Report the slip and fall accident to the owner or occupier of the premises Take photos of and keep whatever footwear you were wearing at the time Make an appointment to visit a physician Be Aware of Strict Time Limits Every province in Canada has a statute of limitations; limiting the amount of time an individual has to start a personal injury lawsuit. In British Columbia, you have up to 2 years from the date of injury to file a lawsuit. If you have been injured resulting from a slip and fall belonging to the City of Vancouver or other municipalities in British Columbia, written notice must be submitted within 60 days from the date of injury. If you do not give notice within the specified time frame, you may lose your ability to receive compensation for your slip and fall injuries. Contact a Trusted Slip & Fall Personal Injury Lawyer We advise that you contact a Vancouver personal injury lawyer who specializes in slip and fall claims. A lawyer will be able to assess your case, ensure your rights are fully protected, and advise whether or not you are eligible to receive compensation. For more information or to set up a free consultation with Tim Louis & his compassionate, trusted team of experts, call 604-732-7678 or email timlouis@timlouislaw. com Source: Occupier’s Liability Act: https://www. bclaws. gov. bc. ca/civix/document/id/complete/statreg/00_96337_01     Client Reviews --- > We strongly advise that you hire an experienced Long-Term Disability Lawyer if you have applied for long-term disability benefits and your claim has been denied - Published: 2021-03-11 - Modified: 2023-09-21 - URL: https://timlouislaw.com/why-you-should-hire-a-long-term-disability-lawyer/ - Categories: Injury Claims, Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: long term disability, long term disability claims, long term disability insurance, long-term disability lawyer Why You Should Hire a Long-Term Disability Lawyer Disability insurance is an affordable option to protect you financially if you have an accident at work and become injured or ill. If you cannot perform your job due to injury, you should receive a monthly benefit resulting from a psychological or disabling physical condition. Sadly, employees are often denied or cut off from receiving benefits before they are able to continue employment. Every insurance policy is unique and outlines conditions that must be met. Although these conditions are outlined, sometimes satisfying these conditions can be challenging.   An experienced Long-Term Disability lawyer can help. If you have applied for long-term disability benefits and your claim has been wrongfully denied, we strongly advise that you hire an experienced Long-term disability lawyer.   Why You Should Hire a Lawyer for Long-Term Disability Benefits Communicating with insurance companies can be challenging and stressful. Your lawyer will reduce your stress by handling all the details; so you can focus on your health and well-being. Insurance companies commonly use wording in their policies that can be confusing and may lead to the possibility of damaging your case. A long-term disability lawyer will take charge and will ensure you avoid any pitfalls. Some insurance companies hire Private Investigators to build a case against you by conducting surveillance; documenting your activities and capabilities. They may also edit this footage to discredit you. These are all ways insurance companies can prove to a judge that you are capable of more significant activities than your claim indicates. Your long-term disability lawyer has seen it all before and will guide you through the process and gather evidence to support your claim accurately. Your lawyer will know the information required and the specific questions that need to be asked of your doctor -- ensuring that all possible evidence is presented to support your appeal.   When You Should File a Claim There are statutes of limitations in British Columbia, meaning that there are strict deadlines you must adhere to when you file a disability claim. An experienced lawyer in this area of expertise will ensure that your doctor(s) have provided an adequate amount of information or anything else required to support your appeal. You will want to contact your lawyer as soon as possible to ensure you do not miss any crucial deadlines during the process.   What You Should Do If Your Claim Has Been Denied There are several reasons why an insurance company would deny disability benefits: The medical condition does not fall under the definition of ‘disability. ’ An inadequate amount of evidence to support the injury. The claim was not filed on time.   We highly suggest that you contact your disability lawyer as soon as you find out that your claim has been denied. Even though your claim was denied, this does not necessarily mean your case is closed. A trusted disability lawyer will review your policy and ensure that all information required is submitted to help prove that your condition meets the definition of ‘disability’ according to your insurance policy.   Talk to a Long-Term Disability Lawyer for a No-Obligation, Free Consultation You do not have to handle this alone. If your long-term disability claim has been denied, speak with Tim Louis & his compassionate, trusted team of experts by calling 604-732-7678 or email timlouis@timlouislaw. com for a free consultation, and we will provide you with the best possible options.       Client Reviews --- - Published: 2021-02-12 - Modified: 2022-02-13 - URL: https://timlouislaw.com/long-term-disability-and-addiction/ - Categories: Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer - Tags: addiction, long term disability claims, long term disability insurance, Long-term Disability Coverage, long-term disability lawyer, Long-Term Disabilty Addiction & Long-Term Disability: Are You Covered for Benefits? Addiction resulting from prescription medication, gambling, or other substances, can be mentally and physically debilitating. While some individuals can walk into a casino and gamble a few times a year, others can become chronically addicted. According to the Centre for Addiction and Mental health, 1 in 5 Canadians experience a mental illness or addiction problem in any given year. Now More Widely Understood, Addiction is No Longer Considered a Choice Unlike the United States, Canada views addiction as a disease. Human rights legislation protects individuals on the grounds of disability and includes those who suffer from drug and alcohol dependency. If You Struggle With Addiction, You May Qualify for Long-Term Disability Benefits Whether or not you qualify for long-term disability benefits from an insurance carrier depends on your employer’s group insurance policy. Specific requirements must be adhered to concerning rehabilitation and or treatment programs to qualify. It is important to distinguish between addiction regarding legal substances (alcohol, cannabis, prescribed medication) and illegal substances (cocaine, meth, heroin). You can count on the team at Tim Louis Law to thoroughly review your private or group insurance policy to ensure that your rights are protected -- providing you with peace of mind that in turn allows you to focus on treatment. Insurance Companies Routinely Deny Claimants with Substance Abuse Issues Insurers do not always make it easy to claim disability benefits since many companies do not consider addiction a disability. A qualified long-term disability lawyer can help. Your lawyer will challenge the insurer’s decision on your behalf, as many individuals do not realize that substance abuse is considered a disability in Canada. Medical Evidence is Integral Medical documentation as evidence is integral for any disability claim. The claimant must show that their addiction has inhibited their ability to function. The medical evidence must also meet private or group policy standards that dictate the criteria for eligibility. Treatment Options Addiction treatment is almost always long-term as relapse is common if undergoing short-term treatment. Typical treatment options are as follows: Detox Counseling Medication if required Mental health evaluation Treatment for any mental health conditions if necessary Follow-up care for relapse prevention Gambling as an Addiction Just as serious of a condition as other more common addictions, compulsive gambling is on the rise in Canada and just as destructive. Gambling addiction leads to a range of personal and social harms such as depression, bankruptcy, anxiety, suicide, and abuse. Unfortunately, in Canada, compulsive gambling may not qualify as a disability. Compliance Is Key Compliance is key with regards to disability benefit eligibility. The individual seeking insurance benefits must proactively participate in treatment and/or rehabilitation programs to continue to receive compensation. Failure to do so will result in being disqualified or denied the claim. Most policies have time limitations that can be difficult to interpret. If your application for disability benefits has been denied by an insurer, do not give up hope. We strongly encourage you to obtain legal advice from a trusted and experienced long term disability lawyer to discuss your dispute case to help navigate your way to a fair and equitable resolution of your claim. Contact an Experienced & Empathetic Long-Term Disability Lawyer If you are suffering from an addiction and are unsure if you qualify for long-term disability benefits through an insurer, our trusted and compassionate team at Tim Louis and Company will protect your rights so you can focus on treatment and recovery. Reach out to us by calling 604-732-7678 or email timlouis@timlouislaw. com for a free consultation, and we will provide you with the best possible options. Source: https://www. camh. ca/en/Driving-Change/The-Crisis-is-Real/Mental-Health-Statistics     Client Reviews --- - Published: 2021-01-13 - Modified: 2024-09-07 - URL: https://timlouislaw.com/disability-claims-for-self-employed-professionals/ - Categories: Insurance Claims, ICBC, Injury Claims, Long-Term Disability Law, Personal Injury Litigation Tips, Slip and Fall - Tags: disability claims, disability insurance, long term disability, personal injury litigation, vancouver icbc lawyer, vancouver injury attorney, vancouver personal injury lawyer Disability Claims for Self-Employed Professionals If you are self-employed and have purchased a disability insurance policy, you have assumed that this policy serves as income replacement if you are unable to run your business for a period of time due to injury or illness. Private disability insurance is commonly more expensive than group insurance, and generally, the type of coverage it provides is usually more valuable as it often provides benefits in the event you are unable to work in your regular occupation. Unfortunately, just because you have purchased an insurance policy, this does not necessarily mean that the insurer will not make it challenging for you to receive benefits after you have submitted a claim. Insurers often heavily scrutinize claims submitted by independent, self-employed individuals – this is because of the sometimes-large benefit amounts provided by some of these policies. Know the Terms & Conditions of Your Insurance Policy To protect your rights, it is integral that you understand the limitations and restrictions outlined in your disability insurance policy. The definitions of certain disabilities can change over time, so it is important to keep up to date and understand these changes that may apply to you. Know Your Rights about Disability Claims Once you have purchased your insurance policy, be sure you are aware that although you have coverage, this does not mean you should “rest easy. ” In reality, what you are really buying are rights that you can enforce against your insurer if they fail to provide the protection that was sold to you. Know the Strict Time Limitations Many people do not realize that there are strict limitations with regards to filing a lawsuit against insurers, and oftentimes they are missed. If you do miss a limitation period, the insurance company is not required to pay your claim, and therefore your right to sue them is null in void. Here some common red flags you should be aware of: The claim is taking an unusually long time to resolve Irrelevant information is asked of you A claim has been denied Hire An Experienced Disability Lawyer In many cases, filing a lawsuit is not necessary. The first step involves a demand letter, outlining any discrepancies, pointing out the facts, and the law – with the demand that an insurer complies with the terms and conditions of the insurance policy. Insurance companies are often fully aware when they are not in full compliance, and take advantage of policyholders because most people do not know the law in-depth, and are privy to any red flags before signing off on their policy. Contact Tim Louis & Company Insurance companies may deny legitimate disability claims, as the majority of individuals will give up instead of fighting for the monetary compensation they deserve. If you are self-employed and an insurance company has denied your long-term disability claim, the team at Tim Louis and Company is on your side and will fight in your corner. For a free, no-obligation appointment, contact us today by calling 604-732-7678 or email timlouis@timlouislaw. com     Client Reviews --- - Published: 2020-12-17 - Modified: 2023-09-24 - URL: https://timlouislaw.com/surveillance-long-term-disability-compensation/ - Categories: Long-Term Disability Law, Injury Claims, Insurance Claims, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Social Media, Technology, Tips, Vancouver Personal Injury Lawyer - Tags: compensation, long term disability, long term disability claims, long term disability insurance, surveillance How You Can Lose Your Long Term Disability Compensation Have you applied for Long Term Disability coverage and have the feeling you are being followed while out in public? If you have submitted an application for disability or are collecting disability compensation, your intuition may be accurate, as there is a good chance an insurer has hired a professional private investigator to conduct surveillance on you, seeking an excuse to save money and attempt to deny your claim. Insurance companies, like all businesses, are profit-based and lose money if they approve too many claims -- so it is in their best interest to prove that you can work without the need to receive compensation for your reported medical condition. Disability claims are on the rise, and surveillance is an efficient way for insurance companies to gather evidence against you – intending to prove that you are fully capable of fulfilling your job duties and do not require financial support. Surveillance May Work Against You Insurance companies may hire a private Investigator, follow you, or set up surveillance in front of your home to observe your daily activities. Suppose you applied for Long Term Disability due to back pain and then observed via surveillance moving or twisting your body in a way that contradicts what you detailed in your claim. In that case, your credibility may be diminished and lead to a denial of your Long Term Disability insurance benefits claim. Be Specific On Your Application for Long Term Disability Compensation Detailing your injuries and being specific about your abilities on your Long Term Disability application is essential. Provide context and be mindful about anything observed via surveillance that may be used against you. Such that if you are observed merely walking down the street for a more extended period than you mentioned you were able to in your claim, you could be at risk of losing your Long Term Disability insurance coverage. The same goes for mental health disability claims. For instance, if you claim that you are chronically depressed and unable to leave your home and then observed via surveillance leaving your home on a daily basis, you may be questioned and risk losing your coverage. Why Surveillance is Not Reliable Context is everything when it comes to surveillance with regards to Long Term Disability insurance claims. As mentioned in the example above, surveillance is not a reliable measure to understand one's abilities. Video evidence does not present the aftermath of the activity, such as the stiffness and pain you may experience immediately after or the next day resulting from specific activities such as reaching, carrying grocery bags, or shovelling snow. Fighting Against Surveillance Evidence Ensure that you are truthful regarding your disabilities and injuries from the start. Do not stretch the truth because you think it will be more believable. Take extreme caution when posting on any social media channels. Any comments, videos, or images involving events, activities, sports, or vacations, can be used as evidence to affect your disability claim. Be mindful before you post. Denied Long Term Disability Coverage? Hire an Experienced Lawyer If you have Long Term Disability coverage, and if you're suffering from a debilitating illness or injury, then you deserve compensation, and that's where Tim Louis and Company can help. When dealing with a Long Term Disability claim, it is essential that you have an experienced, reputable lawyer on your side that specializes in Long Term Disability cases. Long Term Disability Lawyer Tim Louis has been representing those who suffer from LTD for over 25 years and has successfully sued some of the world's largest insurance companies on behalf of deserving clients. Contact Tim Louis and His Team Today You owe it to yourself to explore your options. Contact Tim Louis and his compassionate and experienced legal team today by calling 604-732-7678 or email timlouis@timlouislaw. com for a no-obligation consultation. We will make sure to evaluate your situation and advise the best possible options for your unique situation.     Client Reviews --- - Published: 2020-12-09 - Modified: 2024-06-20 - URL: https://timlouislaw.com/disability-insurance-expansion-of-special-costs/ - Categories: Insurance Claims, Employment, Long-Term Disability Law, Personal Injury Litigation Tips - Tags: disability insurance, long term disability, mental health, multiple sclerosis, special cost award, special costs, statutory law, Tanious v. The Empire Life Insurance Company Disability Insurance: Expansion of Special Costs Introduction A recent BC Court of Appeal case, Tanious v. The Empire Life Insurance Company, 2019 BCCA 329 , gives disability insurance claimants who take their insurers to court greater prospects of obtaining special costs against their insurer, even absent malicious conduct. However, the specific details of the case are very important. This article analyses Tanious with a view to determining the key requirements that will need to be met in future cases to obtain awards of special costs. Leave to appeal Tanious to the Supreme Court of Canada was denied. Background Ms. Tanious was diagnosed with multiple sclerosis shortly before beginning a new job. She nonetheless worked at that job for seven years before ceasing work and claiming disability benefits that she was entitled to through her employment. Following her diagnosis, she developed depression and anxiety, and about a year before ceasing work she started using illicit methamphetamines to cope with her deteriorating cognitive capabilities. The insurer, Empire Life, denied that she became disabled during her employment, and further argued that her substance use disentitled her to benefits. At trial, Mr. Justice N. Brown found that she was entitled to disability benefits, and further awarded her $15,000 for aggravated damages for mental distress, loss of peace of mind and of dignity as a person from Empire Life’s refusal to pay benefits. At the subsequent costs hearing, Brown J. awarded special costs even though the plaintiff conceded that Empire Life did not commit any litigation misconduct. It is this award that was subject to appeal. The Appeal of Special Costs The costs scheme in British Columbia is statutory; Rule 14-1 of the Supreme Court Civil Rules sets out the framework for cost awards. It provides that the court may award special costs, but does not set out the circumstances in which they may be awarded. Generally, special costs are only awarded in cases where there has been litigation misconduct. However, there are exceptions, though these are rarely applied. The Tanious case is an example of one such exception. Overarching Principles In order to justify a special costs award, the Court of Appeal stated that it is insufficient to simply have a large discrepancy between taxable costs and actual legal costs. There must be some other “unusual feature” in the case, such as “special importance, difficulty or complexity associated with the litigation” (para. 54). The Court cited a handful of examples where special costs had been awarded despite the lack of evidence of misconduct, and explicitly reiterated that in these cases any award of special costs must be made on a principled basis. Typically, the objectives of costs awards are to provide the winning party with some degree of indemnity for the costs it has incurred during the litigation. However, the Court of Appeal also recognized that costs awards “encourage settlement, deter frivolous actions or defences and sanction unreasonable conduct committed in the course of litigation” (para. 36). Significantly, the Court also indicated that in some instances, “costs may be awarded to enhance access to justice, mitigate severe inequality between litigants and encourage socially desirable conduct” (para. 36). The Court cited the leading case of Asselstine v. Manufacturers Life Insurance Co. , 2005 BCCA 465, which provides that in the context of these objectives, “the application of ordinary costs rules usually produces a just result,” but goes on to say that this does not mean “that the personal and financial circumstances of a litigant can never be relevant on a costs application” (para. 60). The Court acknowledged that such circumstances may come in to play in exceptional cases. The Court went on to discuss other cases where special costs were “justified in the interests of justice” (para. 65). Given the circular nature of this proposal – that special costs awards are justified by justice – it is challenging to elucidate principled reasons for these awards when they are not related to reprehensible conduct. Instead, these cases are fact-specific and must be considered based on their own merits. The Court included in its analysis two analogous cases out of the Court of Queen’s Bench in Alberta where special costs were awarded: Hennessy v. Horse Racing Alberta, 2007 ABQB 178, where a judicial review was required to defend the appellant’s livelihood and restore his reputation; and Meleshko v. Alberta, 2013 ABQB 468, where the appellant sought judicial review to reinstate long-term disability benefits, and punitive damages were not available. As well, the Court cited FIC Real Estate Fund Ltd. v. Phoenix Land Ventures Ltd. , 2016 ABCA 303 for the proposition that special costs could be awarded if success in the litigation would otherwise “amount to a strictly pyrrhic victory” (para. 65). The final significant case referenced in the appeal was Carter v. Canada (Attorney General), 2015 SCC 5, wherein the test for awarding special costs was refined by the Supreme Court of Canada, stating that “the plaintiffs must show that it would not have been possible to pursue the litigation with private funding” (para. 63). In these instances, it is not just to ask the individual litigants or their counsel to bear the cost of pursuing the claim. Factors in Tanious in support of special costs On its face, the trial judge in Tanious made the decision to award special costs on the basis of very few factors, none of which are unusual in a long term disability insurance case: the purpose of the insurance contract is to provide subsistence level income, and when the insurer failed to pay these benefits, the plaintiff had to bring a lawsuit, which cost money. However, the Court of Appeal recognized that when the trial judge’s reasons were read as a whole, it was apparent that he also considered “the nature of the case, including its unique characteristics and related litigation challenges, complexities and costs, together with Ms. Tanious’ personal and financial circumstances and her need for counsel as established by the evidence” (para. 21). The particular litigation challenges of... --- > Anxiety and long term disability claims - Anxiety has become a far more common challenge for many in recent years. While the severity of symptoms may vary - Published: 2020-12-01 - Modified: 2024-04-08 - URL: https://timlouislaw.com/anxiety-and-long-term-disability-claims/ - Categories: Long-Term Disability Law, ICBC, Injury Claims, Insurance Claims, Personal Injury Lawyer Vancouver - Tags: anxiety, Generalized Anxiety Disorder, mental health, OCD, panic disorder, ptsd, Social Anxiety Disorder Anxiety and Long Term Disability Claims Anxiety has become a far more common challenge for many in recent years. While the severity of symptoms may vary, many of us have experienced a certain level of anxiety at some point in our lives. For some people, anxiety and panic levels can interfere with daily activities -- requiring professional help to cope and help manage the symptoms. Below are the 5 most common types of anxiety disorders: Panic Disorder People who suffer from panic disorder experience sudden and ongoing intense feelings of terror and emotional control loss. Many symptoms are unique to each individual and can include a racing heartbeat, shortness of breath, dizziness, nausea, chest pain, and numbness, to name a few. According to the National Institute of Mental Health, women are twice as likely to suffer from the condition. Obsessive-Compulsive Disorder (OCD) A mental health disorder that affects individuals of all ages, OCD occurs when a person gets caught up in a pattern of sudden compulsions and obsessions. These obsessions (thoughts/images/behaviours are not welcomed by the person and can severely disrupt important daily activities. Generalized Anxiety Disorder (GAD) GAD can be characterized by persistent, uncontrollable, ongoing worry about a wide variety of things and events. People who suffer from this disorder excessively worry and anticipate disaster -- even if there is no reason to warrant this type of worry. Symptoms can include irritability, having a constant sense of danger, difficulty concentrating, disrupted sleep, fatigue, and increased rapid heartbeat, to name a few. Post-Traumatic Stress Disorder (PTSD) PTSD can develop after being exposed to a traumatic event such as a motor vehicle accident, natural disaster, war, assault, a threat with death, or witnesses who have experienced these traumatic events. People with PTSD feel a heightened sense of danger, causing them to feel fearful even when, in reality, they are safe. This is due to the natural fight-or-flight response, which is altered with those who suffer from the disorder. Social Anxiety Disorder (SAD) Social Anxiety Disorder, also known as social phobia, is a type of anxiety disorder that causes extreme distress in social settings. Social anxiety is different from shyness, as it is more extreme, persistent, and debilitating. Symptoms can include nausea, rapid heartbeat, trembling, excessive sweating, worrying for days before a social event, excessive worry about embarrassment, missing school, or work because of anxiety. These are just a few symptoms that can take over someone's life in a negative way. Why Long-Term Disability Claims are Denied Long-term disability claims may be denied because of the lack of regular medical care or treatment. Ensuring that you attend all medical appointments and any necessary prescribed medication from a professional specializing in mental health is essential if you want to reduce your chances of having a long-term disability claim denied. Documentation is Important Having all of the correct documentation in order and submitted on time is a must for any long-term disability claim submission. Hiring an experienced lawyer specializing in long-term disability claims can ensure that you have all of the correct documents submitted within the specified time frame and any other necessary details that must be sent with your long-term disability application. Contact Tim Louis & Company Today An anxiety disorder can have a lasting impact on one’s quality of life. If you or a loved one is experiencing anxiety and has been unable to work because of the condition, contact Tim Louis and his compassionate and experienced legal team today by calling 604-732-7678 or email timlouis@timlouislaw. com. We will make sure to evaluate your situation and advise the best options.     Client Reviews --- > When an employee is terminated without cause, it means they are dismissed for reasons other than workplace misconduct or breach of contract. - Published: 2020-11-09 - Modified: 2024-01-31 - URL: https://timlouislaw.com/terminated-without-cause/ - Categories: Wrongful Dismissal, Canada labour code dismissal without cause, Employment - Tags: terminated without cause, wrongful dismissal, wrongful dismissal lawyer What Are You Entitled To If You Are Terminated Without Cause? When an employee is terminated without cause, it means they are dismissed for reasons other than workplace misconduct or breach of contract, which would, in that case, be defined as ‘termination with just cause. ’ Oftentimes termination without cause occurs during times of economic downturn or when a company is trying to cut costs or chooses to engage in restructuring or realignment. As long as the reason for the termination or lay-off is not discriminatory, such actions are completely legal. If your employer follows the employment law, and manages the termination correctly, including giving you reasonable notice of termination, meaning notice or pay in lieu of notice, you will have sufficient time to seek other means of employment or at least be compensated financially for your loss of work. If the employer does not follow the correct legal procedures, a wrongful dismissal case may result, which means it would be time for you to seek the services of an employment lawyer to make a claim for compensation. How much payment are you due under statute law when terminated without cause? Payment due is dependent on the duration of your employment at the company. Nevertheless, the following minimum statutory requirements apply: After three consecutive months of employment: one week’s pay must be provided After 12 consecutive months of employment: two weeks’ pay must be provided After 36 consecutive months of employment: three weeks’ pay must be provided For each additional year: a week’s pay (up to a maximum of eight weeks) must be provided How much payment is your due under common law if you are terminated without cause? At common law, you are entitled to substantially more than under statute law. Each case is different depending on age and skill set. Generally speaking, you are entitled to between 4-6 weeks of severance pay per year of employment. However, your employer can deduct from this amount any income you earn during this period of time. Even if you earn no money during this time, the court will make a deduction if you failed to make reasonable efforts to look for employment. When is a payment not required when terminated without cause? Pay is not required when terminated without cause if reasonable notice is provided. Under common law, reasonable notice is based on length of service, the age of the employee, type of position and the availability of similar employment at the time of termination. Under these guidelines, the reasonable notice might amount to at least one month per year of service. This may also be specified in your original employment contract. However, even though your contract may require less notice of termination than common law requirements, it cannot be less than the entitlements listed under the BC Employment Standards Act. As long as these requirements are met, no payment is necessary in termination without cause cases. Pay or notice is not required in the following circumstances: You resign or retire Your contract ended You have worked at the company for less than three consecutive months You worked on-call (freelanced), were hired to perform specific work in 12 months or less, or were hired temporarily An unexpected event makes it impossible for the planned duties to be carried out You refuse to accept reasonable alternative employment You are terminated for just cause The reasonable notice and compensation laws governing termination are clear. All employers and even employees should understand them; otherwise, the laws might be breached, and unfair dismissal cases result, which calls for court action. Filing a wrongful dismissal claim in Vancouver If you were terminated without proper notice or pay and wish to file a wrongful dismissal claim, contact us at Tim Louis and Company. Our experienced Vancouver employment lawyer will evaluate your case and guide you through the process.       Client Reviews --- > If you believe you were the victim of constructive dismissal and are searching for an employment lawyer in Vancouver, contact us at Tim Louis and Company. - Published: 2020-10-30 - Modified: 2021-02-20 - URL: https://timlouislaw.com/how-to-prove-constructive-dismissal-in-a-case/ - Categories: Employment, Wrongful Dismissal In employment law, constructive dismissal takes place when an employee resigns due to unwanted changes to fundamental terms of their employment contract, or due to the employer creating a hostile work environment. Despite no actual firing taking place, the conduct of the employer would have to be of such a scale and scope that the employee is at liberty to regard himself or herself as having been dismissed. In other words, since the resignation was not truly voluntary, effectively, it is considered a dismissal. Constructive dismissal is, however, often harder to prove than many employees tend to think. The responsibility of proving constructive dismissal rests solely on the employee, who must first provide the requisite evidence to prove that a fundamental breach of contract was committed by the employer, whilst the employer’s only requirement would be to prove that the resignation was not forced. What qualifies as constructive dismissal? Among the circumstances which may constitute a breach of contract and enable an employee to leave and claim constructive dismissal are: Unfair and unfounded allegations of poor performance Unexpected reductions in wages/salaries, or not being paid when expected, without reasonable explanation or notice A sudden demotion without reason Unreasonable disciplinary procedures Forcing staff to work in breach of health and safety laws A complete change in tasks/duties without adequate notice or training Once the employer breaches a fundamental term, under the law, he or she is in breach of the whole contract. The employee is entitled, therefore, to accept the repudiation, thus bringing the contract to an end and thereafter sue the employer for damages. In order to change a contractual term, both employer and employee have to agree to the new terms, as new terms imposed without agreement and consideration may be unenforceable and may also destroy the entire contract. There are two types of constructive dismissal. In the first, it must be determined that the employer has implicitly or explicitly breached a term of the employment agreement. Thereafter, it must be determined whether or not the breach was of a magnitude that substantially altered the employment relationship. The second type of constructive dismissal occurs if the employer’s conduct has shown that he or she intends to no longer be bound by the employment agreement. In this case, there may be a series of smaller breaches of the employment contract by the employer or no actual breach. However, the court may examine the employer’s cumulative treatment of the employee to determine if it demonstrates an intention to no longer be bound by the contract. In proving constructive dismissal, not only is time is of the essence, but the conduct of the employee after the unfair act takes place is also critical. Due to the fact that when an employer imposes new fundamental terms to which the employee does not agree, the employee can be considered constructively dismissed, the employee must withdraw quickly as continuing to work under the new terms may indicate the employee’s acceptance or condone of the change. At that point, the law will prevent the employee from making any claim for constructive dismissal. Do you need help proving constructive dismissal in Vancouver? If you believe you were the victim of constructive dismissal and are searching for an employment lawyer in Vancouver, contact us at Tim Louis and Company. Our Vancouver employment lawyer would be pleased to assist with your case on a contingency basis. Call us today to schedule a consultation. --- > Termination without cause while on long-term disability - termination of an employee on long-term disability requires careful deliberation. You should contact a long-term disability lawyer Tim Louis. - Published: 2020-10-30 - Modified: 2025-03-17 - URL: https://timlouislaw.com/termination-without-cause-while-on-long-term-disability/ - Categories: Long-Term Disability Law, Wrongful Dismissal Termination Without Cause - while on long-term disability The laws covering whether you can be terminated while recovering from long-term disability are complex. Ordinarily, in a case in which an employee is absent from work as a result of illness or disability, the employer does not have “just cause” to instantaneously terminate the employment relationship, because a mere absence from work due to illness or disability is not a contractual breach. Since the medical prognosis for many illnesses and disabilities can be very uncertain, when an employee is absent from work, this uncertainty can create difficulties within the workplace. As a consequence, there are indeed some instances in which you can legally be terminated whilst on disability leave, but only as long as your employer follows the rules. The question is often asked: “When is an employer justified in terminating employment where an employee is absent from work due to a temporary, but prolonged, illness or disability? ” In fact, this question often arises in matters relating to employees who have been away from work and are receiving long-term disability benefits for protracted periods. Generally, the fundamental issue for terminating an employee who is on long term disability is whether or not that worker has a reasonable prospect of recovering and returning to work in the foreseeable future. Frustration of contract Surely, at the beginning of a contract, it is assumed the employee will be fit and able to report to work. However, where an illness or disability prevents the employee from reporting to work, the contract may be “frustrated”. This means the circumstances, which are not the fault of either party, make it impossible to continue with the employment contract, and therefore the employee is excused from reporting to work, and the employer is excused from continuing to employ the employee. The employer though will have to establish that the worker is incapable of performing the basic duties associated with his or her post, with or without modifications to accommodate restrictions; is incapable of undertaking any other productive work, and, as noted earlier, has no reasonable prospect of returning to work. This though is subject to applicable statutory entitlements relating to termination pay and severance, and is also predicated on the type of coverage the employee, has as well as whether or not that employee is unionized. This is because, within the unionized context, an employer’s right to terminate a disabled employee while on long-term disability will depend on whether the dismissal deprives the worker of continued access to negotiated benefits specifically tied to the illness or disability. One crucial consideration as it relates to termination is the period of past employment. An employment relationship that is of long-standing is not so easily frustrated. For example, an employee who has been working for an establishment for 30 years and becomes afflicted with an illness, absence for two years would not be considered being away long enough to frustrate the employment contract. That said, the termination of an employee on long-term disability requires careful deliberation and so, an employer ought to first evaluate an employee’s prospect for recovery and return to work, as well as provisions for accommodating him or her. When to contact a long-term disability lawyer If your employment was terminated without cause while you were on long-term disability, you should contact a long-term disability lawyer. If you are searching for a long-term disability lawyer in Vancouver, contact us at Tim Louis and Company. Our Vancouver long-term disability lawyer has over 25 years of experience and would be pleased to assist with your case. Call us today to schedule a consultation. --- > Long-term disability coverage - Some insurance policies issue payments for a certain amount of years, while other policies may stop payments after up to ... - Published: 2020-10-30 - Modified: 2024-09-07 - URL: https://timlouislaw.com/long-term-disability-coverage-how-long-will-benefits-last/ - Categories: Long-Term Disability Law - Tags: long term disability, long term disability claims, long term disability insurance, Long-term Disability Coverage, long-term disability lawyer Long-Term Disability Coverage Some insurance policies issue payments for a certain amount of years, while other policies may stop payments after up to a decade. The question, unfortunately, does not have a definitive answer, as every insurance policy is unique. When you read over your employer’s group benefits package, or even if you purchase your own private insurance, ensure that you read through the policy carefully to ensure that you understand the long-term disability requirements. Understanding the requirements, application deadlines, waiting periods and duration of benefit payouts is important. While every insurance policy handles long-term disabilitycoverage and benefits differently, there are certain aspects to these policies that are mandated by law – this depends on your ability to return to work before your injury and your ability to work, period. There are certain policies that will stop benefits indefinitely after 2 years if you are able to return to any full-time work (regardless if it pays the same as your pre-injury job), while some insurance policies will continue paying out benefits at a reduced rate if you end up securing a new position that pays less than your previous employer. If however, you are unable to return to work, long-term benefits could last for a number of years. What is Long-Term Disability Coverage? If you become disabled during employment, Long-term disability insurance coverage pays benefits. Under most LTD policies, in order to qualify for these benefits, you would need to prove that you are unable to continue working as a result of a medical condition. These medical conditions can include physical, psychological, cognitive, and emotional – or a combination of any of the above. If you qualify for LTD coverage, the payout for benefits ranges between 60%-70% of your pre-disability income. There are certain policies that cover less, but most policies will pay benefits for qualified individuals up to age 65. When Does Long-Term Disability Start? Long-term disability payments are never available immediately and considered a last resort after short-term disability options have been exhausted. Before you can be approved for LTD payments, you must go through short-term options first – even if following a serious, catastrophic injury. Short-term options may include sick leave and short-term disability benefits. How Do I Know If I Have Long-Term Disability Coverage? If you are fortunate enough to have an employer that has provided you with a group medical benefits package, it is likely that you have insurance for Long Term Disability (LTD) coverage, which may also grant you coverage if you have been laid off or terminated from your job. If you do not have group benefits through your employer, you have the option of purchasing a private LTD plan. Meeting Important Deadlines There are strict deadlines that go along with long-term disability claims, so it is important to carefully read through your policy to understand the time limits. Failure to submit a claim on time can result in your claim being denied. What if My Long-Term Disability Claim is Denied? If you submitted an LTD application and your claim is denied, you will not receive any payments and will be expected to return to work. Claims can be denied for numerous reasons, such as incomplete information, unclear or improper medical treatment or diagnosis etc. Keep in mind, diagnosing mental health can be complex, but insurers are very specific in their guideline requirements. If your claim is denied, you have the right to appeal the decision – an appeal process will commence, which is why it is important that you contact a trusted lawyer that specializes in such long-term disability cases. How a Long-Term Disability Lawyer Can Help When understanding the length of your LTD policy, it is important to understand the language and the integral details you should be aware of. At Tim Louis Law, we are experienced with the process of filing long term disability claims and look forward to discussing your unique situation with you. Contact us today for a free consultation by calling (604) 732-7678 or email timlouis@timlouislaw. com Source: https://www. bclaws. ca/civix/document/id/loo69/loo69/13_409_97 --- > A mental health disability can have a lasting impact on one’s quality of life. Contact Tim Louis and his compassionate and experienced legal team today. - Published: 2020-09-11 - Modified: 2024-01-18 - URL: https://timlouislaw.com/mental-health-long-term-disability-are-you-covered/ - Categories: Long-Term Disability Law, Insurance Claims In the not so distant past, employers viewed mental health issues as temporary and less serious than other physical injuries. At the time, having a mental health disability resulting from a traumatic event was not seen as a legitimate reason to be approved for disability -- only physical injuries were considered to be applicable for disability claims. Sadly, psychological or emotional related claims were not seen as harmful to the quality of life. Today, with more awareness and education about the damaging effects mental health issues can have on individuals and their ability to work and lead a normal, healthy life, mental health is now discussed more and has been proven to be a frequent and substantial issue among Canadians. Each year, thousands of British Columbians miss work due to a mental health-related disability. Long-term Disability & Mental Health Through Your Employer As an employee who is covered by a disability insurance policy at work, you as a policyholder/employee have the right to submit a claim for benefits following a lengthy injury or illness. This claim submission will also include diagnosed with mental health conditions. Depending on the type of policy, you may have additional resources available to you where you can receive further assistance on steps to access mental health services, counsellors, and or educational materials where employees can have access to preventative measure guidance. Time Limits on Recovering It is important to note that you are not entitled to long-term disability benefits when you begin to experience mental health issues. Just like any other injuries, you must have experienced your disability for 2 years in which you were unable to sustain employment. However, there are some insurance policies that cover claimants under short-disability insurance, so it is important to clearly understand your policy. No two policies are alike. Be warned that there are numerous insurers that will do all they can to avoid paying out to the applicant. In some cases, even when there is a valid policy in place, insurers will still do what they can to keep from paying out. This is when you need a qualified, trusted long-term disability lawyer who can represent you to fight back. Below are the most common reasons why mental health disability claims can be denied: You have not completed the required details or have not been responsive to the insurer to ensure applications or documentation is updated to fulfill your policy. Failing to seek treatment for mental illness can have numerous consequences for your disability claim. The insurance company may conclude that you refused to take the steps necessary to support your mental illness claim. Your chosen medical professional has not documented your treatment. Insurance companies can deny an application even if your doctor has provided you with a thorough physical examination – if there is not thorough documentation, it is highly likely that your application could be denied. Your doctor may not be providing you with the adequate care you require. An insurance company may deny a claim if they feel you need to see another professional who can provide you with better care for your needs. Contact Your Trusted Long Term Disability Lawyer A mental health disability can have a lasting impact on one’s quality of life. If you or a loved one has experienced a mental health issue, contact Tim Louis and his compassionate and experienced legal team today by calling 604-732-7678 or email timlouis@timlouislaw. com. --- > A long-term disability lawsuit can be an intensive and lengthy process. Contact long-term disability personal injury lawyer Tim Louis for trusted advice. - Published: 2020-07-29 - Modified: 2021-03-08 - URL: https://timlouislaw.com/long-term-disability-lawsuit-steps/ - Categories: Long-Term Disability Law, Injury Claims, Insurance Claims, Vancouver Personal Injury Lawyer - Tags: bc, car accident, car accidents, hit and run, injury, Long-term Disability Coverage, long-term disability lawyer, vancouver car accident lawyer Long-Term Disability Lawsuits: Know the Steps A long-term disability lawsuit can be an intensive, lengthy process. The time it takes depends on the type of disability plan and can be a complex undertaking. The best option is to contact an experienced and knowledgeable long-term disability personal injury lawyer for trusted advice. Which Disability Plan Do You Qualify For? First, your lawyer must determine which disability plan you qualify for: Short-term disability Employer sick pay Employer insurance sickness benefits Canadian pension plan (CPP) Long-term disability Canadian pension plan Professional Medical Support Secondly, in order to begin the process, you must have medical evidence supporting your disability claim. Without support from a medical professional, a long-term disability lawsuit claim cannot move forward. When You Apply for Disability Ensure that you collect and accurately fill out all related paperwork and/or applications for disability coverage and submit them. If you have any questions, contact your trusted lawyer for clarification – it’s essential that applications for disability are filled out completely before submission, and of course, turned in by the deadline. Right After You Apply for Disability Once you have submitted your application for disability, it’s important to know that you may harm your benefits during the transmission period from an employee, to someone on sick leave. For instance, if your employer requests that you accept a severance package, or encourages you to resign from the company, do not agree under any circumstances. If you agree with any of the aforementioned, ruining your chances of receiving disability will be likely (resigning from the company revokes your ability to receive disability benefits). Waiting for a Decision In some cases, you may have to be patient when it comes to waiting for a decision to be made on your disability lawsuit. However, generally, it takes roughly 30 days after you have submitted your application. If you have waited longer than 30 days, ensure that you follow up with your lawyer. When Do I File a Long-Term Lawsuit? If your disability claim is denied or the amount you sued for is less than you require, your lawyer will assist and collect all of the required documentation to present as evidence for your long-term disability lawsuit. Additional medical examinations may be required to show that you have a disability and are unable to commence work – this filing is called a Statement of Claim. The Discovery Process During the discovery process, both parties meet and are interviewed under oath. Your lawyer will spend the time required to prepare you for the questions and explain the entire procedure. Your lawyer will also request all applicable documentation and a detailed explanation as to why their decision was met. Once all information has been reviewed, your lawyer will discuss your options as to whether negotiating a settlement is recommended or whether proceeding to trial is a risk worth pursuing. Negotiation VS. Trial Negotiation: Usually negotiating a fair settlement is a logical alternative than moving forward to trial. If both parties are satisfied with the settlement compensation amount, there is obviously no reason to go to trial and the lawsuit will be dismissed. However, if the insurance company does not agree to a fair settlement, the case can go to trial where an actual judge makes the decision. Trial: Trials require substantial preparation and unfortunately may take 2 years or more for the case to even enter the courtroom. A trial, of course, can go two ways: the insurance company can agree to pay you back benefits -- plus your current benefits, OR if the decision goes against you, you receive no benefits. Note that a judge may require you to pay part or all of the insurer’s legal fees – one reason why it’s better to reach a settlement over taking a risk by going to trial. “Oftentimes it’s a relief just to turn the case over to a lawyer so it can be fought vigorously on their behalf... just knowing that someone is fighting the battle so they can concentrate on the quality of life issues can be a huge benefit. ” – Tim Louis http://timlouislaw. ca/bctimlouislaw/long-term-disability-attorney-vancouver-bc/ Tim Louis & Co has been representing those who suffer from long-term disability for over 2 decades. He has successfully sued some of the largest insurance companies in the world on behalf of deserving clients and has appealed the decisions of the Federal government in CPP disability claims on behalf of clients. Tim Louis and his compassionate, experienced team can give you the reliable and trusted advice you deserve. Contact 604-732-7678 or email timlouis@timlouislaw. com for a free consultation. --- > If you or a loved one has suffered from a mild or severe concussion resulting from a motor vehicle collision, or slip and fall, call Tim Louis and Company. - Published: 2020-07-14 - Modified: 2021-04-22 - URL: https://timlouislaw.com/leading-accidents-that-result-in-concussion/ - Categories: Injury Claims, Car Accidents, Insurance Claims, Personal Injury Lawyer Vancouver, Slip and Fall, Tips A concussion is a mild form of Traumatic brain injury (TBI) that affects brain function and usually caused by a blow to the head, bump, violent shake or any blunt force to the area. Concussions are usually temporary but are a common result of motor vehicle accidents or any other form of personal injury. It’s important to note that even a violent shake of the upper body can cause a concussion. Most of those who suffer from a concussion, recover quickly and fully. However, in more serious cases, symptoms can last for weeks or longer. Symptoms of a Concussion It’s important to know that concussions don’t always present symptoms. If symptoms do show up, they may not present themselves right away and can last for days, weeks or longer. The most common symptoms of a concussive traumatic brain injury are amnesia (memory loss), headaches and disorientation. Physical Symptoms of Concussion: Ears ringing Headaches Nausea Vomiting Fatigue Blurry vision Fluid or blood draining from the nose or ears Other symptoms may include: The inability to remember the traumatic event that caused the concussion Confusion Feeling of dizziness / Confusion Problems with speech Sleep disturbances Feelings of depression, nervousness and/or anxiety Feeling isolated or alone When to Seek Medical Attention Seek medical attention immediately if you or your child has suffered from a head injury – even if emergency care isn’t required. Leading Accidents that Result in Concussion: Motor Vehicle Related Injury Motor vehicle accidents are a common cause of mild or severe TBIs or concussions. These head injuries can occur from any head injury such as hitting the dashboard, driver window or another passenger. Slip & Falls When you think about a slip and fall injury, you probably imagine sprains, broken bones, bad bruises or pulled tendons. Head injuries though are very common – so common in fact that they are one of the leading causes of mild to very severe, life-changing forms of concussion. Any of these slip and fall accidents can result in a mild to severe concussion: Slipping on the wet floor Falling in a store and knocking your head on the floor or against a shelf Tripping over an obstacle or crack on the sidewalk resulting in a blow to the head Falling in around someone’s residence and knocking your head Assaults It’s obvious that victims of any type of physical assault are at risk for having a concussion. Any blow to the head, twist and or fall can result in a mild to serious head injury. Playing Sports The Public Health Agency of Canada Reports that for females, approximately 20,000 (45%) of brain injuries result from sports and recreation. For males, approximately 26,000 (54%) of brain injuries result from sports or recreational injuries. According to the Canadian Hospitals Injury Reporting and Prevention Program (CHIRPP), Ice Hockey, Rugby and Ringette are the most common sports with the highest the proportion of brain injuries among children and youth 5-19 years of age, ranging from 27% to 44% of all injuries that happened while playing these sports. According to the government of Canada, 1 in 2 Canadians has little to no knowledge about concussions. Since only 4 in 10 Canadians are aware of available concussion tools and resources, we have added some reliable and trusted sources below to learn more about the causes and treatment of mild or severe concussions. Contact A Trusted Personal Injury Lawyer If you or a loved one has suffered from a mild or severe concussion resulting from a motor vehicle collision, or slip and fall, Tim Louis and his compassionate and talented legal team can give you the reliable, trusted advice you require. Contact us today for a free consultation at 604-732-7678 or TimLouis@TimLouisLaw. com Sources: https://www. canada. ca/en/public-health/services/diseases/concussion-sign-symptoms/concussion-sport-infographic. html https://my. clevelandclinic. org/health/diseases/15038-concussion --- > Was your child injured in a car accident? Personal injury lawyer Tim Louis & Company Law in Vancouver can help you get the compensation your child deserves. - Published: 2020-06-09 - Modified: 2021-03-08 - URL: https://timlouislaw.com/personal-injury-claims-for-children/ - Categories: Car Accidents, ICBC, Injury Claims, Insurance Claims, Personal Injury Lawyer Vancouver, Vancouver Personal Injury Lawyer For any parent or guardian, knowing that a child in their care has been injured can be a stressful ordeal. Of course, the number one concern after a vehicle collision is the child’s well being. However, if you are unsure about the next steps to take after an accident, we have gathered essential information necessary to ensure your child’s personal injury claim is filed. Note it is always best to contact an experienced personal injury lawyer to alleviate the stress of dealing with a complex claim involving children. Personal Injury Claims for Minors Personal injury claims for children can be an intricate and complex process. As much as you may want to just focus on your child’s health during this difficult, stressful time, it’s important to be aware of the steps necessary to ensure that your child’s injury resulting from an accident is documented and a personal injury claim is submitted as soon as possible. Start a Claim As Soon As Possible It is always ideal to start a claim sooner rather than later. If a claim is submitted immediately, key evidence can be submitted before it is lost and any witnesses will still have clear details of the accident fresh in their mind -- which will, in turn, help the claim. Children do not always have the ability to articulate express their feelings – so documenting any changes in mood and behaviour is important. Children’s claims can span a number of years -- another good reason to start a claim immediately and document every detail along the way. How Long Does a Child Have to Make a Personal Injury Claim? Another good reason to start a claim right away is the fact that there can be certain time limits to adhere to. As an example, if a child has been injured in a vehicle collision, he or she may be entitled to ICBC part 7 benefits (a no-fault portion of ICBC insurance coverage). http://www. bclaws. ca/civix/document/id/complete/statreg/447_83_07 ICBC Part 7 Benefits include the following: Medical and rehabilitation benefits Funeral and death benefits Disability (lost earnings) benefits The most commonly known limitation for child claims is 2 years, which doesn’t start until the child turns 19. Another less common limitation in relation to ICBC is also 2 years, but begins right after the crash occurred – and can end as early as the 1-year mark after the accident occurred. Compensation Settlements for Children BC law recognizes that children under the age of 19 may be unaware of their rights and may not be able to fully understand the complexities of the situation and are unable to represent themselves. For this reason, minors are prohibited from representing themselves and require an adult to submit the personal injury claim on their behalf. There are 2 options available: 1. A litigation guardian can be appointed (Typically a parent or close relative will pursue a claim on the child’s behalf) 2. The child may wait until their 19th birthday to pursue a claim. When this happens, he/she has 2 years in which to submit a claim (must be settled by his/her 21st birthday). Speak to a Lawyer Right After Your Child’s Accident Personal injury cases involving children are extremely complex. If you or your child has been injured in a motor vehicle collision in Metro Vancouver, Tim Louis and his compassionate and experienced team can give you the reliable and trusted advice you deserve, deal with ICBC on your behalf and ensure that the limitation for your child’s Part 7 ICBC benefits does not get missed. Contact us today for a free consultation and we’ll do everything we possibly can to get the personal injury settlement your child deserves. Contact 604-732-7678 or timlouis@timlouislaw. com. We’re here to help. Sources: http://www. bclaws. ca/civix/document/id/complete/statreg/447_83_07 --- - Published: 2020-05-07 - Modified: 2021-08-19 - URL: https://timlouislaw.com/hit-and-run-crashes-what-you-should-know/ - Categories: Car Accidents, ICBC, Insurance Claims - Tags: bc, car accident, car accidents, disability insurance, long-term disability lawyer, vancouver accident attorney, vancouver icbc lawyer, vancouver injury attorney A hit and run can be one of the most frustrating experiences for a driver. Whether the driver who causes a collision fails to stop, or flees the scene of a crash without providing their information, a hit and run is a serious offence. What is a Hit and Run? A hit and run is when an unidentified driver flees the scene after damaging a vehicle/property, and/or injures a pedestrian. When filing a hit and run claim, a judge or jury decides whether or not you made “all reasonable efforts” to confirm the identity of the unknown driver and owner – that is if ICBC decides that you did not take these measures. If you are involved in a hit and run, below are some of the steps you should take to help ensure you meet the requirements: (Note: you should seek legal advice immediately in the case of a hit and run accident). Steps To Making a Hit and Run Claim Contact the police immediately and identify the vehicle/driver if possible Try your best to identify the other vehicle and if possible, the other driver. If you can, jot down the vehicle’s license plate number – this will assist authorities with the investigation. The more information you can collect the better such as the colour, make and model of the vehicle, and what direction the car was heading. If you Have Been Injured, Seek Medical Attention Immediately If you have been injured, seek a medical professional right away to get checked out. Observe and Photograph the scene of the Crash Look around the scene for any skid marks or any debris left behind from the vehicle that caused the crash. Take measurements of any skid marks on the pavement and take clear photographs of the crash location -- as these details can be used as evidence. Only collect any evidence if police have not done so – or contact your lawyer to find out if an accident reconstruction engineer should be assigned. Report the Claim to ICBC You should report a claim to ICBC as soon as possible – even though you do have up to 6 months to claim a report. It’s important to note that you cannot report a claim online and must report via ICBC Dial-A-Claim Speak to Businesses and Residents in the Area Surrounding the Crash Speak with any residences or businesses that are close to the scene of the hit and run crash that may have witnessed the incident and in turn may be able to note the make and model or even the colour of the vehicle, which can assist the investigation. Spread the Word to Locate Witnesses Near the scene of the crash, put up notices clearly outlining the date and time of the incident, along with any other details that would be useful for potential witnesses. Also submit ads to online community classifieds, forums and newspapers and the best way for them to contact you. Follow Up with Police Follow up with police on a regular basis for the latest details on the investigation and take notes along the way. How Much Am I Covered? Residents in British Columbia are covered for up to $200,000 for any injuries, property damage or death resulting from a hit and run. Non BC residents are also covered – however, depending on where they live limitations may vary. What Do I have to Pay? For hit and run damage to your vehicle or property, ICBC requires drivers pay a $750 deductible, or your ICBC collision deductible, whichever is less. If you suffer from an injury resulting in a hit and run crash, there is no ICBC deductible and your insurance premium will not be affected. Contact An Experienced, Trusted Personal Injury Lawyer Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a hit and run motor vehicle collision in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678 or email timlouis@timlouislaw. com sources: https://www. icbc. com/claims/repair-replace/Pages/Hit-and-run. aspx --- > Repetitive Strain Injuries - When we think about workplace injuries, we often think about slip-and-fall accidents, injuries resulting from falling objects - Published: 2020-04-03 - Modified: 2021-03-08 - URL: https://timlouislaw.com/repetitive-strain-injuries-what-you-need-to-know/ - Categories: Injury Claims, Personal Injury Lawyer Vancouver, Safety, Tips - Tags: disability insurance, injury, long term disability claims, long term disability insurance, Long-term Disability Coverage, long-term disability lawyer, personal injury, personal injury law When we think about workplace injuries, we often think about slip-and-fall accidents, injuries resulting from falling objects or the various back and neck strains that come with the territory within many workplaces. However, some work-related accidents are often far less dramatic. A number of injuries occur over time, through constant repetition of daily tasks, which negatively impact the body causing strain to sensitive joints and muscle groups. These repetitive strain injuries, or RSI, can have a long-lasting effect on our health and daily life. Injuries Resulting From Repetitive Motion A Repetitive Strain Injury, whether it is temporary or permanent, will need rest or a change in daily habit that provides time to heal. It is crucial to see a medical professional right away to prevent any further damage to the muscles, ligaments, nerves or tendons through continuous, repetitive motion. Most Common Repetitive Strain Injuries Repetitive Strain Injuries (RSI) can result from a buildup of damage to muscles, tendons, and nerves from repetitive motion or strain on specific parts of the body. Repetitive Strain Injuries are quite common and may be caused by a variety of common work activities, including: Using a computer mouse or trackpad Excessive typing (data entry) Swiping items at a supermarket checkout/cash register use Grasping and manipulating tools Working in an assembly line environment Training for sports or other athletic activities Some commonly diagnosed Repetitive Strain Injuries are: Tendonitis (inflammation of the tendon) Pertendonitis (inflammation of the sheath of a tendon) Trigger finger (difficulty bending or straightening any of the fingers which is caused by inflammation and thickening of the tendon) Tenosynovitis (inflammation of the fluid-filled sheath that surrounds a tendon causing joint pain and stiffness) Carpal Tunnel Syndrome (numbness, tingling and pain in the hand or arm resulting from compression of the median nerve which is squeezed as it travels through the wrist Epicondylitis (inflammation of tendons surrounding an epicondyle) Bursitis (inflammation of the bursa sac which is common around the elbow, hips, knees and shoulder) What Are the Symptoms? There are many possible causes of repetitive strain injuries and a wide range of symptoms that result. Tenderness or pain the affected muscle or joints are common, a throbbing or pulsating sensation in the affected area and or tingling in the hands or arms. Any other symptoms will depend on which part of the body is affected. It’s important that you visit a medical professional for a proper diagnosis as soon as you experience symptoms to prevent any further damage over time. Repetitive Strain Injury Prevention The primary ways in which you can reduce the risk is to stop or limit the intensity of the activity. If the activity cannot be stopped, tips for reducing the risk may include: Taking breaks: Taking regular breaks from any repetitive task may help reduce the strain on your body. Stand up: Standing up, stretching and frequently moving your limbs may reduce the risk. Stretch your back, arms, fingers and legs regularly. Vision break: Rest your eye muscles by looking up and staring for a moment at objects in the distance or simply looking around the room. The key is to give your eyes a regular break from screen time. Overall health: Eat healthy and get regular exercise to keep your body as resilient as possible, and try to avoid smoking, as this reduces blood flow and oxygen in the body. Posture: Try to keep yourself from slouching. Ensure your desk, chair and computer screen are aligned as much as you can in an ergonomic setting. Wrists: Avoid bending or overextending your wrists, and keep the arms, wrists and fingers aligned when typing as much as possible. Typing: Try to touch type as much as possible and avoid hitting your keys too hard. Keyboard Shortcuts: Try to use keyboard shortcuts whenever possible, as this can reduce the amount of typing needed. Mouse or Track-pad: Do not grip too tight or press too hard, and try to slow your speed in order to reduce muscle tension in your hand and wrist. Temperature: Keep an eye on the temperature of your work area and regulate where necessary. Phone Use: If you need to use a phone while working, try wearing a headset as this will keep you from needed to grip the phone for long periods or needing to clamp the phone between your head and shoulder. You can trust Tim Louis & Company to ensure the best possible outcome for your personal injury case These common RSI injuries can have a lasting impact on one’s health and quality of life. If you or a loved one has experienced a serious injury while on the job, contact Tim Louis and his compassionate and experienced legal team today by calling 604-732-7678 or email timlouis@timlouislaw. com. Sources: https://www. enjuris. com/workplace-injury/repetitive-strain-injuries-work. html https://my. clevelandclinic. org/health/diseases/17424-repetitive-stress-injury https://www. mayoclinic. org/healthy-lifestyle/fitness/in-depth/overuse-injury/art-20045875 --- > Fibromyalgia & Chronic Pain: Fibromyalgia is a painful illness that can affect one’s quality of life. If you are suffering - Published: 2020-03-06 - Modified: 2023-12-17 - URL: https://timlouislaw.com/fibromyalgia-chronic-pain/ - Categories: Injury Claims, Long-Term Disability Lawyer, Vancouver Personal Injury Lawyer - Tags: Fibromyalgia & Chronic Pain, long term disability, long term disability claims, long term disability insurance, personal injury, personal injury attorney vancouver Fibromyalgia & Chronic Pain - we can help! Fibromyalgia is a neurological condition that causes widespread musculoskeletal pain that can be triggered by physical trauma to the body from an accident or from the mental stress of dealing with an injury. For years, Fibromyalgia was often misdiagnosed. Today, medical professionals recognize Fibromyalgia & Chronic Pain as a chronic medical condition that can cause extreme pain for both men and women. According to the Arthritis Society, Fibromyalgia affects 2% of Canadians with 80 to 90% of patients with Fibromyalgia being women. Fibromyalgia is not life-threatening; nor is it damaging to muscles, joints or organs. However, it does impact one’s quality of life. Living with chronic pain can prevent patients from working, socializing and even completing day-to-day tasks. If you or a loved one is suffering from Fibromyalgia resulting from an accident, contact our trusted and experienced team at Tim Louis & Associates. Fibromyalgia Symptoms Pain is the most common symptom of Fibromyalgia. Patients may experience widespread or specific pain in certain areas of the body, which may include the neck, back, chest, arms and/or legs. Often the pain is felt when firm pressure is applied to muscles, tendons and or soft tissue. Other symptoms may include: Headaches Extreme sensitivity to touch Stiff muscles Irritability Widespread pain all over the body, with some areas worse than others Fatigue Cognitive issues also known as ‘brain fog’ Irritable Bowel Syndrome (IBS) Disturbed sleep Abnormal temperature regulation Other Symptoms Restless leg syndrome Depression and or anxiety Painful periods Occasional dizziness Extreme sensitivity to temperature and scents Fibromyalgia Causes The exact cause of fibromyalgia is still unknown. For certain people, FM can be the result of a stressful, traumatic event such as a vehicle collision or can be triggered as a result of repetitive injuries, certain diseases, or illness. Research studies have also found that there is a genetic component to Fibromyalgia. Diagnosis While there are no lab tests to confirm a Fibromyalgia diagnosis, there may be other illnesses that present the same symptoms. A doctor may want to order blood tests to rule out other conditions that may include: Cyclic sedimentation rate test Complete blood count test Rheumatoid factor test Thyroid function test Erythrocyte sedimentation rate Additional tests may be ordered depending on symptoms, which may include X-rays or an EMG to test the muscle’s electrical activity. Treatment Although there is no cure for Fibromyalgia, certain medications that can help reduce and manage pain or other symptoms associated with FM. Your doctor will recommend the best options for your unique needs. These medications may include: Pain relievers (over-the-counter or prescription) Anti-seizure medication Anti-depressants Research has shown that Fibromyalgia patients can reduce symptoms with proper self-care and lifestyle changes. Adequate sleep, managing stress and practicing low impact exercises such as water therapy and aerobics can help reduce symptoms over time. It’s important to consult with a medical professional that can recommend the right treatment to benefit a Fibromyalgia patient’s unique needs. We Will Help Get You Compensation for Your Fibromyalgia & Chronic Pain Fibromyalgia is a painful illness that can affect one’s quality of life and cause chronic pain. If you or a loved one is suffering from Fibromyalgia resulting from an accident, contact our trusted and experienced team at Tim Louis & Associates. Our goal is to help you get the compensation you deserve. Book a free consultation with us today by contacting us at 604-732-7678 or email: timlouis@timlouislaw. com Sources: https://www. mayoclinic. org/diseases-conditions/fibromyalgia/diagnosis-treatment/drc-20354785 https://arthritis. ca/about-arthritis/arthritis-types-(a-z)/types/fibromyalgia     --- - Published: 2020-02-25 - Modified: 2021-04-22 - URL: https://timlouislaw.com/injured-on-someone-elses-property-what-you-should-know/ - Categories: Slip and Fall, Safety, Vancouver Personal Injury Lawyer - Tags: injured, long term disability, long term disability claims, long-term disability lawyer, personal injury, personal injury attorney vancouver, slip and fall, slip and fall lawyer Injured on Someone Else’s Property? Contact Tim Louis - Long-Term Disability and Personal Injury Lawyer According to a 2017 Canadian Institute for Health Information report, falls were the number one cause of injuries leading to hospitalization in Canada. It is common for these types of falls to be caused by businesses or property owners who neglect their duty to ensure that their property is reasonably safe. If you are injured on someone else’s property due to unsafe conditions, you may be entitled to receive compensation for your injury. The property owner (known legally as “occupier”) is responsible for keeping their premise safe, and failure to do so can result in a potential injury that would otherwise not have happened. An occupier may refer to the person in charge of caring for the property, or the physical owner of the premises, which may include: Business Owners Homeowners Landlords Companies Government Agencies Injured? Occupier’s Liability Act In British Columbia, slip and fall claims are Occupier’s Liability Act (OLA) claims. http://www. bclaws. ca/civix/document/id/complete/statreg/96337_01 If an individual slips and falls or is injured on someone else’s property due to hazardous conditions, they may be entitled to compensation that could cover one’s medical costs, out of pocket costs, lost income and or pain and suffering resulting from the injury. How Much is Your Slip and Fall Claim Worth? This is a common question clients ask lawyers and is complex to answer. A number of factors are considered before assessing the value of a claim such as the severity of the injury and how much the injury has impacted your life, your ability to earn a living and your personal well-being. Do You Have a Slip and Fall Case? In order to determine whether you are entitled to slip and fall compensation is dependent on whether you have a valid claim. If you have suffered from a slip and fall injury resulting from a dangerous condition on a property (i. e. lack of lighting, unmarked spills, icy driveways) the owner or occupier may be liable if it can be proven that they were aware of the hazard and neglected to take reasonable measures to rectify the issue. Document Your Injury Experience for Evidence Insurance companies can make your life quite difficult during a slip and fall claim and will deny cases due to a lack of evidence. If you are injured, it is important to cross your T’s and dot your I’s when it comes to documenting your experience so you have as much evidence as possible to support your personal injury claim. Seek Medical Attention Immediately After a Slip or Fall If you suffer from a fall on someone else’s property, ensure that you seek medical attention straight away. Whether your injury is serious or not, it is always recommended that you visit your doctor or hospital as soon as possible (ideally within 24 hours of being injured). Keep in mind that symptoms for injuries don’t always present themselves immediately – another important reason to get checked out regardless of how your body feels. Document Any Witnesses If there are any witnesses, write down their names and numbers to assist with your case. Your insurance company or lawyer will ask for witness contact information as this will help with your claim. If you are able, pull out your phone and take photos of the exact location your injury occurred. You can never have too much documentation to support your liability claim. If you were unable to take pictures of the scene, ask a friend or family member to take photos on your behalf. Speak to Your Lawyer Before Signing Any Document It’s integral to know that you should never sign anything without speaking to a lawyer first. An experienced personal injury lawyer will ensure your rights are not being violated and protect the integrity of your claim. Contact a Personal Injury Lawyer You Can Trust You can trust Tim Louis & Company to ensure the best possible outcome for your slip and fall-related personal injury case. Contact us today (604) 732-7678 or email timlouis@timlouislaw. com Sources: https://globalnews. ca/news/4315219/falls-most-common-injury-canada/ https://globalnews. ca/news/3576912/injury-related-hospitalizations-canada/ http://www. bclaws. ca/civix/document/id/complete/statreg/96337_01         --- - Published: 2020-01-20 - Modified: 2021-04-15 - URL: https://timlouislaw.com/winter-tires-what-you-need-to-know/ - Categories: Driving Safety, ICBC, Safety Winter Tires: What You Need to Know Driving in the lower mainland during winter months can be stressful for those who do not have experience driving in snowy and icy conditions. With a generally temperate climate, it is rare for drivers in the greater Vancouver area to experience heavy snowfall all winter long like in the prairies or eastern Canada. That being said, the importance of having proper tires on your vehicle to match winter conditions may help drivers feel safer on roads and help drivers have a safer driving experience during winter months. Police Can Pull You Over If They Suspect You Do Not Have Winter Tires According to BC law, drivers must have winter tires with a 3-peak mountain and snowflake symbol or M+S (Mud and Snow) symbol located on the tire sidewall. Failing to have proper tires between Oct 1st – March 31st can result in a $109 fine and can alter how much you’re considered at fault if you’re in an accident according to I. C. B. C. Did You Know: At 0°c, snow and ice become slippery Between +4°c to –4°c, black ice forms Identifying Winter Tires There are a couple of options available to you depending on your needs: Mud & Snow (M+S) Tires The all-season Mud and Snow (M+S) winter tires are a safe option if you seldom drive in winter conditions. ICBC recognizes Mud and Snow winter tires as legal requirements between Oct 1-March 31st as long as they have a minimum 3. 5 mm tread depth. It’s important to note, however, that these tires are safe for most conditions, but are not designed to grip ice or suitable for sub-zero weather conditions. How to Identify Mud & Snow (M+S) Tires: M+S located on the sidewall of the tire Perform best in milder or slightly wet conditions Mountain/Snowflake Tires Considered to be the safest winter tire available, this is your best option if you are living in an area where you expect more severe snow, ice and slush on a regular basis. Mountain/Snowflake tires offer the best traction and performance during winter months. How to identify Mountain/Snowflake Tires: The three peak Mountain/Snowflake symbol located on the sidewall of the tire Tire Performance & Safety Install all four winter tires at the same time to help maintain control and stability of your vehicle. Do not mix tires with different construction, tread patterns and or sizes. Tires with worn tread have reduced traction and less effective in snow and severe road conditions. Ensure your vehicle’s winter tires are not worn down to the tread wear indicators. Keeping tires inflated with the proper tire pressure not only prolongs the life of your tires but also increases safety. Check your vehicle’s tire pressure at least once a month, as tire pressure decreases as temperature levels drop. Storing Your Winter Tires Ensure your winter tires last as long as possible by storing them in a cool, dark and dry place. Hurt In An Accident? Tim Louis Law Can Help Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motor vehicle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678 or email timlouis@timlouislaw. com Sources: https://www. icbc. com/brochures/Pages/winter-tires. aspx https://www. cbc. ca/news/canada/north/winter-tire-regs-in-effect-bc-1. 5303484 --- - Published: 2019-12-17 - Modified: 2021-04-22 - URL: https://timlouislaw.com/the-most-common-personal-injuries-during-the-holidays-how-to-avoid-them/ - Categories: Personal Injury Lawyer Vancouver, Vancouver Personal Injury Lawyer During the holidays, we should all take the time to relax and enjoy the season. However, in reality - constraints on time, multi-tasking, or overextending ourselves and even bad weather all have the potential to lead to an injury. We’ve compiled a list of the most common personal injuries that happen during the holidays and how you can prevent them. Slipping Outside On Ice or Snow We all know that ice and snow are common hazards. Wearing appropriate footwear with reasonable tread goes a long way. Take extra care going down steps or hills and be sure to hang on to any railings available to you if possible. Take your time and don’t rush! If you own property, it is your legal obligation to ensure snow and ice are cleared on the premise. Driving in Bad Weather Drivers in Metro Vancouver tend to have a sense of urgency during the holidays. Even when the weather is not optimal, which can be hazardous. Installing the appropriate winter tires is a give-in as well as practicing safe driving techniques, which include lowering your speed and planning your route ahead – allowing yourself extra time to reach a destination. Holiday Events Tis’ the season for holiday parties and corporate gatherings – it’s an exciting time for many. However, since alcohol is offered at many of these gatherings, car accidents increase around the holiday season. Planning ahead and arranging a taxi ahead of time or having a designated driver accompany you is the simple solution to avoid drunk driving accidents. Don’t Overexert Yourself During the holidays we tend to overextend ourselves – whether it is at work trying to meet a deadline before the Christmas holiday rush or struggling to get those decorations set up for an upcoming Christmas party. Holiday shopping, cleaning, and even cooking can be a hazard if you rush through or overextend yourself to complete these tasks faster. If you are lifting alone, remember to practice safe lifting techniques by bending your legs at the knees. Always have a spotter when climbing a ladder – you’d be surprised at how many people suffer from ladder accidents during the holidays. Workplace Injuries During the holidays, business booms, putting extra pressure on employees to keep up with additional work demands. Extended hours and an increase in customer demand can put employees at higher risk for slips and falls and general accidents. Overextension, extra lifting, and moving at a faster pace than usual can potentially cause injury to one’s back and or neck. While working at a quicker pace, employees can easily forget to practice safety procedures, resulting in a musculoskeletal injury. Plan enough time to complete your tasks Avoid rushing if possible Practice safe lifting techniques Always take extra care climbing ladders (have someone spot you) Wear shoes with good traction Be cautious – watching out for wet floors If you do get injured at the workplace, ensure that you report it immediately and seek the proper documentation. Follow all procedures, and fill out any documentation necessary. If you need to visit a doctor, make sure you communicate all details of the injury to your doctor for documentation purposes. Employers should provide a safe environment for their employees. Ensuring a safe workspace with no visible hazards and providing mandatory safety training is a proactive way to prevent employees from injuring themselves on the job. Practicing safety protocols year-round and planning ahead to anticipate the holiday rush - this can help lower the risk of employee injuries during the holidays. Ensure Gifts Are Safe It’s important to ensure that toys given to our loved ones are safe. The Consumer Product Safety Commission (CPSC) recalls millions of toys each year. Take Justice Back published a list of the ten most dangerous toys of all time in 2012: http://www. takejusticeback. com/news/10-most-dangerous-toys-all-time Even today, there are still many products released that can be considered unsafe for children and adults. You can check an updated list of recalled items here: https://www. healthycanadians. gc. ca/recall-alert-rappel-avis/index-eng. php What You Should Do When Holiday Accidents Happen Sometimes you can follow all safety precautions yet still get injured or find yourself involved in an accident. Always document your injury and seek treatment right away – this will ensure the process is as smooth as possible. If you find yourself involved in an accident with another party, make sure you document all details of the incident from beginning to end and seek medical treatment immediately. If you find yourself in need of legal representation, contact a trusted, experienced personal injury lawyer who can provide you with the monetary compensation you deserve. You can trust Tim Louis & Company to ensure the best possible outcome for your personal injury case. Contact us today (604) 732-7678 or email timlouis@timlouislaw. com sources: https://www2. gov. bc. ca/gov/content/careers-myhr/managers-supervisors/occupational-health-safety/worksafebc-reporting --- - Published: 2019-11-20 - Modified: 2021-04-22 - URL: https://timlouislaw.com/winter-cycling-safety-in-metro-vancouver/ - Categories: Bike Safety In Metro Vancouver, cyclists are fortunate to have a surplus of designated bike lanes to use -- allowing riders to cycle through the city as safely as possible. The downside in BC, however, is the fact that optimal weather for cycling is limited to a few months out of the year. Rainfall in the lower mainland is typical in spring, fall and winter, causing slippery and in some cases, icy road conditions. We’ve compiled a few tips to make your ride as safe and as comfortable as possible. Stay Warm It is the law in BC for cyclists to wear helmets while riding. Studies have shown that in the event of a crash, a helmet will significantly reduce your chances of a severe brain injury. Your helmet should have CSA, ANSI, ASTM, or SNELL standards approval clearly marked on it. Ensure that your headgear fits properly and add a well-fitted liner to your approved bicycle helmet to stay comfortable and warm. Check the wear of your bicycle helmet from time to time to make sure it stays in good, safe condition. Warm gloves are also a must when cycling in winter -- keeping your fingers warm and flexible -- allowing you to shift gears and apply the brakes with ease. Watch Out for Fallen Leaves Fallen leaves are pretty in the fall, but after a rainfall during winter months, leaves can be slippery on roads and pathways. Stopping your bike on a leaf-covered street can lead to accidents and potential injury. Be aware of your speed and slow down if necessary. Stay Visible to Drivers & Pedestrians As winter days get shorter and nightfall arrives sooner, ensure that you stay visible to drivers and pedestrians. Cyclists in BC must wear reflective gear while cycling when visibility is low. Make sure that your lights are in working order before riding after dark. According to ICBC, cyclists must have a white headlight at the front of their bicycle, which must be visible for a minimum of 150 meters and a red light/reflector installed at the rear of their bicycle, which should be visible for a minimum of 100 meters. It’s wise to be as visible as possible by adding reflective lighting on your wheels and pedals. If you are unsure, check with your local bike shop for advice on the best set up for your needs. Ride in Bike Lanes Use designated bike lanes or routes wherever possible – these options are the safest choice and will reduce any chance of collision with vehicles or pedestrians. Follow the Rules of the Road Follow road safety rules. Know your hand signals and perform shoulder checks before turning, obey all traffic signs, ensure you are aware of specific road markings and what they mean in your local municipality. Leave adequate distance from other drivers and use caution around parked vehicles. Use Winter Tires Just like how you might change your vehicle’s tires in the winter to avoid an accident, changing over to winter bicycle tires can make all the difference while riding in wet, cold and icy weather. There are a variety of options available such as metal studded tires that grip ice while driving and specially formulated rubber tires designed for cold and icy weather. Ensure that your tires are in good condition and inflated to their recommended pressure. Plan Ahead Be prepared for low light conditions and poor weather. Install a weather app to keep up-to-date with the latest weather patterns and give yourself extra time. If you or a loved one has been injured as a result of a traffic accident, contact our compassionate and experienced legal team at Tim Louis Law & Associates. We will help build your claim for the compensation you deserve. To book your free consultation, call 604-732-7678 or email timlouis@timlouislaw. com sources: https://www. icbc. com/road-safety/sharing/Pages/cycling-safety. aspx http://www. bclaws. ca/civix/document/id/complete/statreg/234_96/ https://vancouver. ca/files/cov/bikeSense1105. pdf --- > Distracted Driving - A year ago, BC RCMP posted via social media warning that motorists will be fined $368 + 6 points for driving without due care. Drivers will not only feel the financial burden if pulled over for this violation, but common sense dictates that distracted driving is also a severe hazard for pedestrians, cyclists and other drivers. - Published: 2019-10-18 - Modified: 2021-04-15 - URL: https://timlouislaw.com/is-eating-considered-distracted-driving/ - Categories: Driving Safety, Safety Distracted Driving When you are short on time, it can often be tempting to get in that last bite while driving. However, as we have seen in recent news, eating while driving can be a significant distraction and hazard on the road. Distracted Driving Does Not Just Include Cell Phone Use In 2017, a BC motorist was pulled over by a police officer and fined for eating ramen noodles with chopsticks while operating a vehicle. The judge ruled that the violation was not necessarily the nibbling while driving that cost her a fine, but the fact that the driver was using chopsticks to eat her meal. The RCMP stated “a reasonable and prudent person should have at least one hand on the wheel while the car is in motion. ” A year ago, BC RCMP posted via social media warning that motorists will be fined $368 + 6 points for driving without due care. Drivers will not only feel the financial burden if pulled over for this violation, but common sense dictates that distracted driving is also a severe hazard for pedestrians, cyclists and other drivers. https://twitter. com/BCRCMPTraffic/status/907611951953563649? ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E907611951953563649&ref_url=https%3A%2F%2Fwww. cbc. ca%2Fnews%2Fcanada%2Fbritish-columbia%2Fchopstick-distracteddriving-eating-1. 5279643 Know the Dangers of Eating While Driving When a driver’s eyes or hands are distracted while the vehicle is in motion, the driver is not paying 100% full attention on the road ahead or surroundings -- proving to be a hazard to others and puts the driver at a higher risk of being hit by another vehicle. Authorities may use their discretion to ticket motorists in BC who are eating while driving if they deem that motorists are unable to operate their vehicles safely. Distracted Driving Is One Of The Leading Causes Of Vehicle Collisions In 2017, according to ICBC, distracted driving caused more deaths in BC -- accounting for nearly 78 deaths on BC roads every year. Distracted driving can lead to decreased reaction times leading to an accident. A study found that in 80% of collisions, the driver was found to be distracted and looked away from the road 3 seconds prior to the collision. What Qualifies As Distracted Driving? Any item or device that distracts a driver from paying full attention to the road including: Cell phone use (hand held calls and texting) Reading maps or books Watching videos, movies or GPS Adjusting the radio, earphone use and listening to extremely loud music Smoking and personal grooming Eating and Drinking How to Prevent Eating While Driving As we mentioned above, authorities may use their own discretion if they deem a driver is operating their vehicle with undue care. That being said, it is always best to focus on the road and avoid any distractions that will put yourself and others in danger. Keep your phone out of sight to reduce the temptation of accepting calls and texting or turn off notifications. Lower (or turn off) your ringtone until you’ve reached your destination. Keep music volume at a level that does not distract your focus on the road. Plan your route ahead of time. Often it’s tempting to eat a snack and drink while driving. If you must, wait until you are stopped at a light. The best option is to eat and drink before or after you operate your vehicle. Reduce the temptation of being distracted while driving by keeping all items out of sight while driving. If you are injured as a result of a distracted driver, you have the right to pursue legal action against the responsible party and receive monetary compensation. Contact our trusted team at Tim Louis & Company today to learn more about the options available to you at 604-732-7678 or email timlouis@timlouislaw. com. sources: https://www. icbc. com/about-icbc/newsroom/Pages/2017-Sept6. aspx http://www. leavethephonealone. ca/en/facts --- - Published: 2019-09-13 - Modified: 2021-04-15 - URL: https://timlouislaw.com/social-media-and-your-icbc-claim/ - Categories: ICBC, Injury Claims, Social Media - Tags: icbc, Personal Injury Lawyer, social media Social Media and Your ICBC Claim These days, who doesn’t have a social media account? While social media was once a place where college students kept each other updated on their day-to-day lives, now even grandparents are on Facebook. Many have become addicted to posting every aspect of their lives without thinking about who might view their social media activity. Potential Damage to Your Personal Injury ICBC Claim As of 2010, ICBC set up their Special Investigations and Cyber Unit to help reduce potentially exaggerated or fraudulent claims. If you have been injured in a vehicle accident, it’s safe to say that ICBC’s adjusters and investigators will be digging deeper into your background and accessing your Facebook, Twitter, Instagram and/or YouTube accounts. Any inconsistencies can hurt your credibility and claim. For instance, ICBC adjusters and investigators will examine what you are saying on social media to people treating you versus what you are saying to ICBC adjusters on record. Any inconsistencies between what you are saying to family and friends on social media versus what you are telling on ICBC will be examined. This skilled team conducts deep searches on social media sites seeking photos and updates on individuals who claim that they have been unable to work due to their injuries, and then contradict their claim by posting photos or updates of themselves being physically active. Best Ways to Protect Your Claim Via Social Media The first step is to be aware – the next step is to take the provisions necessary to ensure you don’t damage your ICBC claim. We have compiled a list of tips to help ensure that you don’t potentially damage your ICBC claim. It’s always a good idea to contact your personal injury lawyer who will provide you with tips: Search your name in Google for anything you feel ICBC may use against your claim. Applying strict privacy settings to your social media account will not necessarily keep your account private and inaccessible to outsiders. It is a fact that ICBC can gain access to private social media accounts by court order. Be aware when posting on any social media platform. Understandably, you want to share positive moments in your daily life with family and friends – however take great care in realizing that once ICBC has gained access to your private accounts, anything they deem to be inconsistent with your claim may be used against you in court. Some people do not realize that Facebook owns Instagram. Ensure that you go through both accounts and delete any content that may be deemed harmful to your ICBC case (contact your lawyer before deleting photos or content). Do not accept friend requests from people you do not know. Do not post any personal thoughts, conversations, information or any photos in relation to your case. Keep your family and friends in the loop and ask them not to post or tag you in any photos. You should obtain legal advice before deactivating or deleting your Facebook account as ICBC may accuse you of destroying relevant evidence. Let An Experienced Personal Injury Lawyer Handle your ICBC Claim If you have any questions or concerns about the use of social media in a personal injury claim, we have the expertise and knowledge necessary so you don’t have to worry about saying or doing anything that may jeopardize your claim. Contact our compassionate and experienced legal team at Tim Louis Law & Associates. To book your free consultation, call 604-732-7678 or email timlouis@timlouislaw. com. We’re here to help. Sources: https://www. icbc. com/about-icbc/Pages/fraud. aspx https://www. straight. com/article-256851/tim-louis-beware-icbc-trolling-through-yourfacebook-photos --- > Airbag Injuries -Airbags can prevent injury and saves lives. However, injuries can happen – whether it is from airbag malfunction or improper positioning in a vehicle, it’s essential to recognize that personal injuries may still occur. - Published: 2019-08-19 - Modified: 2024-07-09 - URL: https://timlouislaw.com/most-common-airbag-injuries/ - Categories: Car Accidents, Driving Safety, ICBC, Injury Claims, Insurance Claims, Personal Injury Lawyer Vancouver, Safety - Tags: airbag injuries, icbc, long term disability, Personal Injury Lawyer Airbag Injuries Airbags have been designed to quickly deploy in a vehicle collision to protect your upper body and head from hitting the steering wheel or dashboard. Airbags can prevent injury and saves lives. However, injuries can happen – whether it is from airbag malfunction or improper positioning in a vehicle, it’s essential to recognize that personal injuries may still occur. Where are Vehicle Airbags Located? Front airbags are situated in the steering wheel hub of the vehicle and the passenger-side dashboard. In newer cars, airbags are located in the front and on the sides. Side airbags have been designed to protect occupants from side impact during rollover accidents. If you have airbags in your vehicle, ensure that you are familiar with airbag locations and safety requirements by reading your vehicle owner’s manual before installing child restraint car seats. How Do Airbags Work? A vehicle collision results in rapid deceleration, which triggers the front airbags. Nitrogen gas is produced, resulting in inflation at speeds of roughly 300Km/hour in order to protect your head and chest in a high-speed collision. Seatbelts are usually enough to protect the driver and front passenger in a low-speed collision – protecting the occupant’s chest and head. However, it is important to note that it is uncommon for front airbags to deploy in rear-end collisions, rollovers, or side-impact accidents. During these types of crashes, the side airbags deploy, providing protection between vehicle occupants and the doors. What Causes Airbag Injuries? A number of injuries have resulted from faulty airbag deployment or during regular operation of the front and side airbags. There have been cases of airbag deployment without the vehicle being turned on or running at all. The intensity of airbag inflation is another cause of personal injury resulting from airbag deployment. In fact, airbags are inflated with such force that the metal casing surrounding it may produce shrapnel, causing injury. Airbags may deploy at the wrong time Airbag deployment in a low-impact collision The crash sensor may fail to deploy the airbag when needed Only one airbag deploys The airbag may deploy too late (timing of airbag deployment is important. Even if the airbag deploys a fraction of a second too late, it could cause serious personal injury to the driver and occupant). What Injuries Can Airbags Cause? Airbag deployment may lead to a range of injuries. The chemicals used within the device, the rate of the airbag deployment, airbag design, and lack of seatbelt use all play a role in airbag-related injuries. While rare, airbag injuries have the potential to cause significant trauma: Facial Injuries Chest Injuries Neck & Back Injuries Burns to the chest, arms, and hands Skull, rib cage, face, arm, and wrist fractures Concussions, brain swelling and bruising as well as loss of consciousness Asthma attacks and other throat irritations Eye injuries Trauma to the ear that may lead to hearing loss Internal bleeding Fetal injury in pregnant women How to Minimize Airbag Injuries You can reduce the risk of an airbag injury in an accident by taking these precautions when you drive your vehicle: Always wear a seatbelt Children under 12 should always ride in the back seat Ensure that seats are at least 10” back from the front dash of your vehicle (airbag deployment area) Check your vehicle’s model and year for any airbag-related recalls Ensure you are using the correct car seat for your child’s height and weight. Children should be properly secured and in the proper-seated position at all times. If possible, avoid driving if you are pregnant Do not place your arms across the steering wheel Tilt the steering wheel downward, toward your chest – not your neck or head Place both front seats as far as possible and as comfortable for safe driving Do not install rear-facing infant restraints in the passenger seat. What Steps Should I Take if An Airbag Malfunctions? Preserve the evidence related to the airbag (parts) Ensure the vehicle’s computer doesn’t get wiped Do not transfer the vehicle over to ICBC, mechanic or junkyard Contact A Trusted, Experienced Personal Injury Lawyer If you are suffering injuries sustained in a vehicle accident from an airbag malfunction or deployment, contact our compassionate and experienced legal team at Tim Louis Law and Associates to book your free consultation today by calling 604-732-7678 or email Timlouis@timlouislaw. com source: https://www. icbc. com/about-icbc/newsroom/Documents/airbags. pdf --- - Published: 2019-07-16 - Modified: 2021-04-15 - URL: https://timlouislaw.com/top-5-mechanical-failures-that-cause-car-accidents/ - Categories: Car Accidents, Driving Safety, Long-Term Disability Lawyer, Personal Injury Lawyer Vancouver, Safety, Tips, Vancouver Personal Injury Lawyer - Tags: icbc, icbc attorney vancouver, personal injury lawyer vancouver, Vancouver Lawyer Mechanical Failures that Cause Car Accidents With car accidents a regular daily occurrence, it is not always clear what the underlying cause is until a thorough investigation has been concluded. With a number of accidents attributed to excessive speed, driving under the influence, driver error or weather conditions – it can be easy to forget that some accidents are caused simply due to the neglect of routine maintenance -- leading to vehicle complications or even mechanical failure if left unchecked. Keeping your vehicle maintained can go a long way in avoiding accidents caused by mechanical failures. Here are a few of the most common mechanical failures and what to look out for to ensure your vehicle is in tip-top shape: Prevent Car Accidents - Check Your Brakes Brakes are an essential safety feature we use as drivers on the road. However, brakes can also be one of the most ignored when it comes to routine checks – often being left completely worn before a proper inspection or needed replacement. If your brakes are not properly maintained, you could find yourself braking harder on the road, throwing off drivers behind you, or prevent you from stopping – injuring other drivers, pedestrians or yourself and your passengers. Here are some early signs of brake wear to look out for: Excessive vibration when applying pressure to your brakes Reduced responsiveness while braking (spongy or soft brake pedal) Noticeable pulling when applying pressure to your brakes Frequent or infrequent squealing or screeching noises while braking Loud metallic grinding noises coming from your brakes Tires - maintain them to prevent car accidents Your vehicle’s tires keep you moving – gripping the road through poor road conditions, ensuring that you arrive at your destination safe and sound. This is why it is crucial to conduct routine checks on your tires daily and before taking any extended trips – ensuring your tires are in the best shape possible. Early signs that you may need to have your tires rotated or replaced can include: Bulges, gouges, or cracks in the tire or tire sidewall Significant and/or uneven tread wear Tires losing pressure or deflating faster than normal Excessive vibration while driving Headlights/Taillights/Brake Lights The lights on your vehicle allow you to see - and be seen. This makes them one of the most important safety features for your vehicle in terms of accident prevention while driving. However, lights do fail -- which is why you should be conducting a routine inspection of all lighting systems on your vehicle before driving. Signs that you may need to have your headlights or taillights inspected or replaced can include: Significant dimming over time Flickering or random fading One or multiple bulbs going dark Significant time passing (better safe than sorry) Malfunctioning Windshield Wipers can Cause Car Accidents Windshield wipers can make a big difference in overall driver safety and visibility -- removing dirt, rain, and snow – while running for hours at a time to keep your view of the road clear at all times. Unfortunately, windshield wipers do wear over time – often warping, cracking or even tearing from long-term use in heavy weather -- this can cause them to lose their flexibility and even fail altogether. You should always keep an eye on your wipers and check them daily to ensure they are functioning properly. Signs that you may need to have your windshield wipers replaced can include: Streaking Unusual noise or squealing Skidding or Irregular movement Ragged or distorted blades Contact A Personal Injury Lawyer Drivers and passengers who are injured in accidents that are the result of mechanical failure may wish to contact a personal injury lawyer. Contact our compassionate and experienced legal team at Tim Louis Law & Associates. We will help build your claim for the compensation you deserve. To book your free consultation, call 604-732-7678, or email timlouis@timlouislaw. com. We’re here to help. --- > Preventing Child Injury in an Auto Accident - many children are injured in motor vehicle accidents every year simply due to lack of effective seating, or because sub-par equipment has been kept long past its usefulness. - Published: 2019-05-29 - Modified: 2021-03-24 - URL: https://timlouislaw.com/preventing-child-injury-in-an-auto-accident/ - Categories: Driving Safety, Car Accidents Auto Accidents - Preventing Child Injury With the start of summer less than a month away and many of you planning some long awaited warm weather fun on the road, we want to remind everyone to think ahead on one of the most important, but often overlooked safety preparations – ensuring that child safety seating in your vehicle is up to standard and ready for use. An unfortunate fact in British Columbia is that many children are injured in motor vehicle accidents every year simply due to lack of effective seating, or because sub-par equipment has been kept long past its usefulness. Preventing Child Injury With ICBC reporting as many as 1,300 injuries or fatalities annually in children aged 9 years or younger related to child car seats or booster seats, further research suggests that these numbers can be reduced significantly with the risk of fatality being reduced by 71% and the risk of serious injury by 67%. The numbers are clear, so how can you ensure your children are protected this summer? Here are some helpful tips to consider: The Four Stages of Child Seating and Restraint Systems in British Columbia Children will outgrow everything! This includes car seats and booster seats; which is why you must ensure you are using the correct type and size of seat – not only to avoid injury, but also to ensure you are following the law of the road in British Columbia. The four stages of seating that you need to be aware of are: 1. Infants: Infants are required to sit in rear-facing car seats until they are at least 12 months old and over 9kg (20 lbs. ) 2. Toddlers: Toddlers are required to sit in forward-facing car seats from at least one year old and over 9 kg (20 lbs. ) and should continue to be buckled into this type of seating until they are 18 kg (40 lbs. ) 3. Children under 9 years old: Children under 9 years old are required to be in booster seats with seat belts or until they have reached a height of 145 cm (4’9”) tall 4. Youth: A properly adjusted seat belt is the last stage for anyone over 9 years of age Is your Child's car seat installed correctly? One of the most common problems leading to serious injuries or fatalities of children when riding in a motor vehicle is an incorrectly installed car seat or booster seat. Prior to driving with a child for ANY period of time, you should always check: Your vehicle owner’s manual for any information on installing child car seats Transport Canada’s Motor Vehicle Safety Standards website (http://www. tc. gc. ca) The manufacturer’s manual that came with your car seat The Provincial rules or regulations regarding car seat, booster seat or seat belt use in your vehicle Always do your research! If you are still not sure whether you have installed your child car seat correctly, there may be other resources offered online or in your community that can help you. Be Aware of Safety Recalls - How to Prevent Child Injury in an Auto Accident We all want to make sure that we buy the best equipment, especially when it comes to the safety of our children and our vehicle passengers – unfortunately, in an age of fast production and mass production, sometimes flawed equipment can make it to consumers unnoticed. This is why you should always try to be aware of any potential safety recalls and recall lists for car seats or booster seats that you own or use in your vehicle. Some sources to keep in mind and up to date on for safety recall information include: Transport Canada The Child Passenger Safety Association of Canada The Manufacturer Website for your specific car seat or booster seat Local Media Announcements Social Media Groups If you or a loved one has been injured as a result of a traffic accident, contact our compassionate and experienced legal team at Tim Louis Law & Associates. We will help build your claim for the compensation you deserve. To book your free consultation, call 604-732-7678 or email timlouis@timlouislaw. com We’re here to help. Sources: https://www. icbc. com/road-safety/safer-drivers/Documents/Seatbelt-fact-sheet. pdf https://www. icbc. com/brochures/Pages/child-car-seats. aspx https://www. bcaa. com/community/child-car-seat-safety https://www. tc. gc. ca/en/services/road/child-car-seat-safety/installing-child-car-seatbooster-seat. html https://www. cpsac. org/recall-list/ --- - Published: 2019-05-06 - Modified: 2021-04-22 - URL: https://timlouislaw.com/motorcycle-safety-tips-in-metro-vancouver/ - Categories: Driving Safety, Motorcycles, Safety - Tags: accident lawyer vancouver, ICBC Lawyer, long-term disability lawyer, motorcycle safety, Personal Injury Lawyer Motorcycle Safety Tips Motorcycle enthusiasts are looking forward to the freedom that comes with riding on the open road and beginners may be shopping around for their dream bike to take on the road this spring and summer. However, the facts cannot be ignored: according to ICBC, in 2016, 940 motorcyclists were injured in 1500 crashes. On average, 12 motorcyclists are killed each year in the lower mainland. We’ve gathered some safety tips to ensure motorcyclists are as safe as possible while riding. Prepare Your Motorcycle for Safety You can have years of motorcycle riding experience, but if your bike has mechanical issues, nothing will prevent you from getting into an accident resulting in a severe injury. Always inspect your bike before every ride Ensure tires don’t have bulges or cracks Tire pressure should be at the proper level Check to make sure your horn and turn signals are working Ensure mirrors are in the appropriate position for blind spots Check fluid levels weekly Make sure your brakes, throttle, and clutch are working properly Check for leaks Always Wear Proper Riding Gear You may be tempted to wear your casual wear before jumping on your motorcycle, but think about the injuries you could prevent by wearing adequate riding gear that was designed for sudden impact. If you are in an accident, the friction from your body against the pavement alone can cause serious damage if you don’t take the necessary precautions. Even if you are driving a short distance it’s integral that you wear the proper riding gear to protect your entire body in the event of an accident: Wear adequate riding gloves, not standard work gloves. Riding gloves are made to protect your hands from trauma; while work gloves are made from thinner, weaker materials and will not protect you. Always protect your head! Wear a full-face helmet to cover your face and head from possible injury. Wear proper riding pants designed for motorcycle riding – you may see a lot of riders out there wearing regular jeans, but if you are in a motorcycle accident, regular pants will not protect your legs from injury. Wear riding boots designed for motorcycle riding, not regular boots or shoes Follow Traffic Rules & Ride Defensively Of course, years of riding experience and motorcycle training can make all the difference in road safety, but be sure always to follow these driving tips whether you are a beginner or experienced motorcycle rider: Always let drivers know your intentions by using your turn signals Do your best to stay out of driver’s blind spots Ride at a safe speed at all times Never assume a driver has seen you or will give you the right-of-way Don’t Ride When Impaired or Sleepy Driving requires an alert mind, and a steady hand, which is why driving impaired is known to be one of the most dangerous decisions you can make as a driver – but what many people, especially new drivers may not realize, is that driving while tired can be just as dangerous, even fatal in some circumstances. Know the Common Signs of Drowsiness: Frequent yawning Inability to keep your eyes open Trouble holding your head up Wandering thoughts Drifting into another lane Missing road signs or driving past turns Motorcycle Safety: Follow these steps to prevent driver’s fatigue from setting in: Get a full night’s sleep before a planned trip Take short naps throughout the day whenever possible if you need them, especially on long trips Avoid consuming caffeine or other stimulants before bed Call for a ride or take a taxi if you’re too tired to drive In addition, do your best to avoid these common driver’s mistakes: Driving when on medication that causes drowsiness Driving late at night, at times when you are usually sleeping Driving alone if you are going a longer than usual distance Tim Louis and his compassionate and talented legal team can give you the reliable, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motorcycle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678. source: https://www. icbc. com/about-icbc/newsroom/Pages/2017-May1. aspx https://www. icbc. com/road-safety/sharing/motorcycle-safety/Pages/Default. aspx --- > Road Safety-Prepare Your Vehicle.With snow, ice and slush on the roads this past winter, you may have put extensive wear on your brake pads, wheels and or... - Published: 2019-03-29 - Modified: 2022-07-11 - URL: https://timlouislaw.com/spring-road-safety-in-metro-vancouver/ - Categories: Car Accidents, Driving Safety, ICBC, Safety, Tips - Tags: ICBC Claims, Personal Injury Lawyer, road safety, spring driving, tips Spring has officially arrived and it's time to consider road safety. With longer days ahead, it’s time to give that car a wash, remove your vehicle’s winter tires and enjoy the milder spring weather. We’re not entirely out of the woods quite yet though – considering British Columbia’s temperate rainforest climate, heavy rain can always creep up on us in the spring. Keeping your vehicle in tip-top shape for unforeseen weather is essential along with practicing safe driving habits. Road Safety: Prepare Your Vehicle With snow, ice and slush on the roads this past winter, you may have put extensive wear on your brake pads, wheels and or clutch. Take your vehicle in to your local trusted mechanic for a spring tune-up, where your vehicle’s essential fluids will be topped up, wheels changed/rotated, and any other replacements you may need for safe driving: Brake pads, fluids topped up and/or rotors replaced Tire rotation, change and or inflation Anti-freeze fluid replaced with coolant Battery check Oil filter change Clean windows and replace wiper blades Check all lights including headlights, taillights and brake lights, turn signal blinkers and parking lights. Be Patient While Driving Drivers must follow the posted speed limits on BC roads. However, with the warmer weather, drivers may become less cautious. Remember, just because the roads are clear of rain and ice does not mean roads are without potential hazards. Plan your route to prevent speeding, drop your speed when necessary and be aware of other drivers around you. Leaving a safe distance around your vehicle is the best way to keep safe while driving and ensure you plan your route ahead of time to prevent the urge to speed to your destination. Watch Out for Pedestrians With warmer weather, come more pedestrians, cyclists, and animals on the road. Remember what you learned in driving school: follow posted speed limits on highways, residential streets and in school zones. Always scan the intersection before passing through and stop at crosswalks -- giving pedestrians the right of way. Blind spots are a significant hazard – cyclists and pedestrians may be out of view through your mirrors, so always make sure you shoulder check. Share the Road - Road Safety Tips As BC weather continues to improve, more cyclists will be commuting to work or for recreation. Keep in mind that cyclists in BC share the same rights and responsibilities as motorized vehicles. Keep a safe distance. Stay at least 1 meter away from a cyclist when passing and maintain at least 3 seconds behind a cyclist on the road. Don’t get distracted. Make eye contact with cyclists if you can and always keep a lookout – especially in densely populated areas Dooring can be deadly. According to ICBC, 1 in 14 vehicle collisions involving cyclists are the result of dooring. Always shoulder check -- keeping an eye out for oncoming cyclists before opening vehicle doors. Yield to Cyclists Always signal in advance if you need to pull over or cross a bike lane, and of course, always yield to cyclists. Look Ahead You should always make a habit of shoulder checking for cyclists before turning right and keep an eye out for oncoming cyclists when turning left. Scan for cyclists before you enter a street from an alley or out of a spot where it’s difficult to see clearly. Stay cautious. Watch Out for Wild Life - Road Safety Spring is the time of year when wild animals begin foraging for food and may need to cross a busy roadway. Keep an eye out for any animal crossing signs, scan highways and roads for wildlife and reduce your speed if necessary. It’s important to note that animals are active all day and if you are about to hit an animal while behind the wheel, try to strike wildlife on an angle to prevent the animal from passing through your windshield. Hurt In An Accident? Tim Louis Law Can Help Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motor vehicle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678 or email timlouis@timlouislaw. com source: https://www. icbc. com/about-icbc/newsroom/Pages/2016May25. aspx --- > Cannabis Legalization - there are new laws in Canada under the Criminal Code in place related to drug-impaired driving. - Published: 2019-03-01 - Modified: 2021-04-22 - URL: https://timlouislaw.com/what-does-cannabis-legalization-mean-for-drivers/ - Categories: Driving Safety, ICBC, Tips - Tags: Cannabis Legalization, Driving, drowsy driving, ICBC Claims, ICBC Lawyer Cannabis Legalization Now that recreational cannabis has been legalized federally, there are new laws under the Criminal Code in place related to drug-impaired driving. It’s important to note that the BC government has put strict provincial sanctions in place to address drug-impaired driving to keep these drivers off the road. Cannabis Legalization - New Laws & Legal Limits There are now three new Criminal Code offences that establish the legal blood drug concentration limits (BDC) for THC. This means if you have two (2) nanograms or more of THC in your system while operating a motor vehicle, you are committing an offence. Additionally, the more THC you have in your system, and the more times you are caught breaking the law, the punishment escalates (especially if mixed with alcohol). Cannabis and Motor Vehicles Cannabis being transported in a vehicle must be kept in a sealed package or in a location inaccessible to motor vehicle occupants No cannabis use in any form is allowed while occupying a vehicle For those drivers in a graduated licensing program, (L or N) there is a zero tolerance restriction for the presence of cannabis while operating a motor vehicle. Violating this restriction will result in a suspension of driving privileges. Social hosts may be legally liable for guests who use cannabis in their home and subsequently injure others or themselves (such as a motor vehicle accident. ) If an officer suspects drug impairment, the driver may be subject to a drug recognition evaluation by a specialized Drug Recognition Expert (DRE). The dangers of driving impaired do not change because “it’s just cannabis. ” Driving and Cannabis Legalization The possibility of serious personal injury or even fatalities caused by driving impaired are well documented in British Columbia – and despite the believed “lesser” impairment from cannabis use, the potential dangers are the same. According to Stats Canada: 1. 4 million of Canadians reported having been a passenger in a motor vehicle driven by someone who consumed cannabis within the previous two hours. 1-in-7 cannabis users reported having driven within 2 hours of using cannabis If you plan to consume cannabis, be sure that you have taken responsible steps to prevent possible accidents or injury: Know how cannabis affects you and know your limits If consuming cannabis makes you too tired or distracted, don’t use it. Don’t drive or operate a vehicle when impaired. Plan ahead and ask a friend to be your designated driver if you need it. Always have a local taxi number logged in your phone. Familiarize yourself with public transit routes and schedule times. Let Our Experience Work for You If you have found yourself the victim of an impaired driving accident, whether you or a family member has been seriously injured or suffered a tragic death, you have the right to pursue legal action against the responsible party and receive monetary compensation. Contact our trusted team at Tim Louis & Company Law today to learn more about the options available to you at 604-732-7678 or email timlouis@timlouislaw. com. source: https://www. icbc. com/driver-licensing/tickets/Pages/drug-impaired-driving-new-laws. aspx https://laws-lois. justice. gc. ca/eng/acts/C-24. 5/ https://www150. statcan. gc. ca/n1/daily-quotidien/180809/dq180809a-eng. htm --- - Published: 2019-02-04 - Modified: 2021-04-22 - URL: https://timlouislaw.com/common-workplace-injuries/ - Categories: Safety, Injury Claims, Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Slip and Fall, Tips - Tags: injured on the job, long-term disability lawyer, Personal Injury Lawyer, Prevent Common Workplace Injuries, workplace injury Prevent Workplace Injuries When we think about workplace injuries, what often comes to mind are high-risk occupations in construction, manufacturing, or those dealing with hazardous materials – but the fact is, workplace injuries happen across all industries, in all occupations – and most of them are entirely preventable with proper care and preparation. Workplace Injuries Although the types of injury commonly sustained at work are as numerous as the number of jobs that can be listed – some of the more common and preventable injuries are: Strains/Sprains These types of injuries also referred to as “repetitive strain injuries (RSI)” or “musculoskeletal disorders” are very common workplace injuries due to the number of occupations dealing with repetitive tasks throughout the day. Some of the more frequent causes of these injuries can include: Repetitive or vigorous movement over long periods of time Lack of movement/holding your posture or limbs in an unnatural position for long periods Overusing a particular group of muscles Poor posture or a non-ergonomically designed workspace Back Injuries Injuries related to the back are common among numerous occupations and can have an affect -- both personally and professionally, long after the initial injury itself. Some of the more common factors resulting in back-related injury can include: Repetitive lifting or moving of heavy objects, reaching or bending Sustained whole-body vibration or jarring from the use of machinery Poor posture, improper or inadequate back support seating in the workplace Prolonged periods of inactivity Head Injuries A head injury can be serious and can lead to contusions, hematomas (bleeding in the brain), and concussions. Unfortunately, it’s not uncommon in the workplace –, especially in manufacturing and construction industries. ‘Closed’ head injuries do not pierce the skull and “open” head injuries happen when an object has pierced through the skull, causing possible brain injury. Generally, recovery time may be longer than other common workplace injuries, although most people fully recover from minor to moderate head injuries. Some of the more frequent causes: Being hit by falling or flying objects Slipping or tripping and falling Falling from above such as tumbling down stairs or falling off a ladder Walking into objects such as a wall, cabinet or glass window Herniated/Bulging Discs Both herniated and bulging discs can affect a person’s nerves, tendons, muscles, and joints. These are common injuries and can result from repetitive motion trauma and or soft tissue disorders resulting from a workplace injury. If you injure your back or neck, a spinal disc can move out of place and can bulge outward from between the vertebrae -- putting pressure on spinal nerves. Sciatica (nerve pain radiating down one leg) is a common symptom of a herniating disc injury, as well as numbing, tingling pain in the legs and weakness in the back and legs. Some of the more frequent causes of these injuries can include: Heavy lifting and overexertion Hard blows to the lower back Ongoing, repetitive motion Sitting for extended periods of time in an awkward position Slip, trip or fall PREVENTION: With a little care and consideration, most of the workplace injuries we’ve listed can be prevented with proper understanding and preparation. Some of the methods for preventing these common injuries are: Proper lifting techniques Make exercise a part of your daily routine Listen to your body Pay attention to posture and form Proper protective gear such as helmets to protect the head from injury Safety training, preparation, and education on behalf of the employer These common workplace injuries can have a lasting impact on one’s health and quality of life. If you or a loved one has experienced a serious injury while on the job, contact Tim Louis and his compassionate and experienced legal team today: 604-732-7678 --- > Injury Claims - im Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. - Published: 2019-01-08 - Modified: 2021-08-25 - URL: https://timlouislaw.com/injury-claims-when-the-other-driver-does-not-have-insurance/ - Categories: Car Accidents, ICBC, Insurance Claims - Tags: car accident, car accident lawyer vancouver bc, icbc, injury claims, Uninsured ICBC Injury Claims ICBC’s Basic Autoplan - Injury Claims In the Province of British Columbia, law requires that all drivers maintain valid automobile insurance. This mandatory insurance provided by ICBC, also known as Basic Autoplan, is the bare minimum required – though drivers may wish to purchase additional coverage to supplement this basic plan. There are two broad categories of coverage provided by ICBC. These are known as No-fault benefits and third-party liability coverage: No-Fault Benefits Under the basic Autoplan insurance coverage provided by ICBC, drivers in British Columbia are entitled to no-fault benefits. This falls under Part 7 of the insurance (vehicle) act and applicable regulations -- meaning that no-fault benefits are available to those insured drivers regardless of who was at fault during the accident. These benefits include: Death and/or funeral benefits Medical and rehabilitation benefits (up to $300,000 for accidents on or after Jan 1, 2018. ) For those who become completely disabled resulting from an accident, up to $300 per week is paid out for the employed. Up to $145 per week for unemployed persons who become substantially and continuously disabled resulting from an accident. It is important to note that you are entitled to no-fault benefits even if the motor vehicle accident you are involved in is your fault, regardless if the other driver is insured or not. If the other driver is underinsured or unidentified, you are also entitled to no-fault benefits. It is important to seek advice from your lawyer to ensure that you comply with reporting and notice requirements. Third Party Liability Coverage BC drivers are entitled to a minimum of $200,000 in third party liability coverage under basic Autoplan insurance. Third party liability covers a person’s injuries and any property damage if the other driver was at fault in a motor vehicle accident. Third party liability coverage also applies to vehicle accidents where the other driver is either uninsured or underinsured. Hit-and-Run Accidents - Injury Claims There are several important steps to be taken under the insurance (vehicle) act in order to prove that the accident happened. ICBC requires proof that you have attempted all possible measures in identifying a hit-and-run driver – such as posting flyers near the accident scene, have published notices in local newspapers or classified sites seeking witnesses and reported the accident to the police -- complying with any on-going investigations. ICBC requires that you provide them with written notice about the motor vehicle accident no more than 6 months after the hit-and-run accident happened. The Other Driver is Uninsured, Underinsured or Unknown It is advised that you provide ICBC with written notice as soon as possible if you can identify the driver that caused your accident – ICBC may negotiate with you to settle the claim, or proceed to trial in lieu of the underinsured or uninsured driver. Compensation may include: Pain and suffering Past and future medical expenses Wage loss Loss in ability to earn future income Loss of housekeeping ability damages Any claim over $200,000 is complex and requires that the injured party prove that they made attempts to collect compensation from the at-fault driver. You can proceed in arbitration for payment from ICBC under underinsured motorist protection (UMP) if you can prove that the at-fault driver is unable to pay the amount even after going to trial. Hurt In An Accident? Tim Louis Law Can Help Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motor vehicle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678 or email timlouis@timlouislaw. com. sources: http://www. bclaws. ca/EPLibraries/bclaws_new/document/ID/freeside/447_83_07#part7 http://www. bclaws. ca/EPLibraries/bclaws_new/document/ID/freeside/00_96231_01#section20 https://www. icbc. com/autoplan/basic/Pages/default. aspx --- > We’ve taken some time to provide you with a list of best practices to keep yourself and your family as safe as possible on the road this winter. - Published: 2018-11-28 - Modified: 2021-04-15 - URL: https://timlouislaw.com/winter-safety-tips-to-prevent-personal-injury/ - Categories: Driving Safety, ICBC We can all agree - winter in British Columbia can be hard to forecast, difficult to prepare for and sometimes seemingly impossible to navigate when it finally hits. Icy driving conditions, poor visibility and erratic driving on the road are a dangerous mix that can result in personal injury. However, there are steps you can take to mitigate these risks. We’ve taken some time to provide you with a list of best practices to keep yourself and your family as safe as possible on the road this winter. Prepare Your Vehicle Making sure your time on the road is as safe as possible requires not only a safe vehicle, but also safe driving practices and the right mindset in order to prepare you for any possible eventuality. Prior to starting your trip, you should always ensure that: You are well rested and have a clear head There are no unnecessary distractions either inside, or outside of your vehicle Your vehicle is up to date with any necessary regular maintenance, including tire rotations, brake checks and fluid checks There are both proper winter tires installed and proper windshield wipers installed for the expected weather You have a fully stocked roadside emergency kit, including a portable charger that can be used to power your mobile phone, a first aid kit, jumper cables, roadside flares, window scraper, flashlight, spare oil & coolant, sand and a tire change kit Put Your Cellphone Down We all know the dangers of distracted driving. Did you know that every year, on average, 26 people are killed in distracted driving-related crashes in the Lower Mainland? This is a concerning number. The danger a distracted driver can put on themselves, their passenger and/or pedestrians is never worth responding to that text message or phone call. "Distracted driving results in more fatalities than impaired driving, and is also one of the leading contributors of crashes with pedestrians, cyclists and motorcyclists," - Lindsay Matthews, ICBC's director responsible for road safety Pre-plan before your drive. Ensure that your Bluetooth is enabled on your phone and your hands-free setting is in working order. These steps alone can lower your risk of distracted driving accidents -- your focus should always be on the road. Proper Car Insurance Of course law requires car insurance in BC – however, rates and their benefits are continuously changing and so educating yourself on your options and insurance add-ons that will benefit you and your family is always a good idea. Talk to your insurance agent before the winter season to ensure you are signed up for the plan you need to keep you covered. Map Out Your Driving Route (In Advance! ) With winter weather conditions come unexpected snowfalls, slippery streets, black ice and traffic congestion. Pre-plan your trip to prevent anxiety and frustration behind the wheel and to ensure that you arrive at your destination on time even though you’re driving slower due to winter conditions. Update your GPS map and test it to ensure it’s in working order to assist you during your travels. A backup map is always a good idea for remote areas where GPS may not pick up an accurate reading. Avoid Alcohol It goes without saying, getting into your vehicle after drinking alcohol or taking narcotics is not only dangerous, but also irresponsible. With numerous holiday and work gatherings during the winter season, it’s important to take responsibility and plan ahead to prevent posing a danger to yourself and/or others. Pre-plan your evening out and ask a friend or attendee to be a designated driver or ask a trusted family member to pick you up. Another option is to call a taxi – ensure you have easy access to a few local taxi numbers logged in your phone for easy and quick access. Get the Solid, Trusted, Advice You Need Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motor vehicle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678 or email timlouis@timlouislaw. com. Source: https://www. icbc. com/about-icbc/newsroom/Pages/2017-Sept6. aspx --- > Post Traumatic Stress Disorder - Experiencing a traumatic event can have a lasting effect. Post Traumatic Stress Disorder can remain with you for months, years or even indefinitely if the initial trauma is significant enough. - Published: 2018-11-07 - Modified: 2025-07-12 - URL: https://timlouislaw.com/post-traumatic-stress-disorder/ - Categories: Long-Term Disability Law, Long-Term Disability Lawyer, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Uncategorized - Tags: post traumatic stress disorder, ptsd, symptoms, trauma Post Traumatic Stress Disorder Experiencing a traumatic event can have a lasting effect -- both physically and psychologically. Post Traumatic Stress Disorder can remain with you for months, years or even indefinitely if the initial trauma is significant enough. This is why post-traumatic stress disorder is a common condition affecting the mental health of so many people -- specifically those who have sustained a personal injury through workplace or traffic-related incidents. What is Post Traumatic Stress Disorder? The Mayo Clinic defines post-traumatic stress disorder as a condition triggered by an extremely horrific experience -– whether a person is directly involved in the event itself, or just an outside observer. Although popular media and literature commonly associates PTSD with trauma resulting from active military combat, exposure to a natural disaster or violent physical assault, the simple fact is PTSD can be brought on by any trauma that is severe enough to affect the individual on a deep psychological level. This can include trauma and/or personal injuries sustained through workplace injuries, traffic accidents, or many other common traumatic events. Symptoms of PTSD When someone is injured during a traumatic event, they may have more than physical injuries to contend with. They may find themselves feeling anxious or extremely keyed up (also known as hyper-arousal) or on edge. So, how do can someone know if they have PTSD? Many common signs of PTSD can include: Avoiding Reminders of the Traumatic Event Avoiding locations associated with the trauma, such as a frequently used intersection – or even previously common activities such as driving or riding in a vehicle. Fear and Sensations of Helplessness When you are in an accident, it makes you feel immensely helpless and at the mercy of outside forces beyond your control. People who suffer from PTSD often suffer rapid onset of extreme fear or feelings of helplessness that can become a real barrier to their day-to-day life. Physical Symptoms Dealing with many of the psychological aspects of trauma can also have a direct physical effect on those dealing with PTSD – such as rapid heartbeat, difficulty breathing, chills, sweating and other physical symptoms. Uncontrollable Thoughts Constant anxiety and fear can lead those who have experienced trauma to have thoughts that simply won’t go away. These negative thoughts can be overwhelming; often needing medical assistance or long-term therapy. Difficulty Concentrating or Sleeping An individual dealing with PTSD-related symptoms can often find themselves suffering from exhaustion and will commonly have problems maintaining a regular sleep schedule. This can become a repetitive and draining cycle as time goes on -- often leaving those suffering from these symptoms with little energy and focus during their day-to-day lives. These and many other PTSD related symptoms may arise in victims of trauma. If you’ve been involved in an accident and think you may have PTSD, it is in your best interest to contact a medical professional as soon as possible. PTSD Treatment Post-traumatic stress disorder is a severe condition that requires immediate and careful attention. PTSD may be treated successfully even after time has passed after the traumatic event, which means it is never too late to seek professional help. Your doctor will often conduct an initial assessment, followed by a referral to a licensed specialist who can work with you to create a short to long-term treatment plan. Hurt in an Accident? Living with PTSD? Tim Louis Law Can Help. If you or a loved one has symptoms of PTSD, contact our compassionate and experienced legal team at Tim Louis Law & Associates. We will help build your claim for the compensation you deserve. To book your free consultation, call 604-732-7678 or email timlouis@timlouislaw. com. We’re here to help. source: https://www. mayoclinic. org/diseases-conditions/post-traumatic-stress-disorder/symptoms-causes/syc-20355967 --- > Pedestrians Have the Right of Way? - Something many of us can relate to is that being a pedestrian on the road in British Columbia can be stressful and even hazardous for those of us not focused on being careful. - Published: 2018-10-03 - Modified: 2021-04-22 - URL: https://timlouislaw.com/when-do-pedestrians-have-the-right-of-way/ - Categories: Pedestrians, Safety Do Pedestrians Have the Right of Way? Something many of us can relate to is that being a pedestrian on the road in British Columbia can be stressful and even hazardous for those of us not focused on being careful. With average injuries of 1,600 for cyclists and 2,600 for pedestrians in automobile related accidents – pedestrians are considered some of the most vulnerable road users in the province -- having little to no protection from collisions with vehicles and an increased likelihood of related injury or even fatality stemming from an accident. What are Your Responsibilities as a Pedestrian? Although being a pedestrian may not be as dangerous as being a driver on the road, your focus should always be on safety (for yourself and others) and being vigilant towards what is happening around you and on the road. Unfortunately, due to impatience and disregard for safety, we’ve all seen pedestrians: Crossing the crosswalk without the crosswalk signal go-ahead Not paying attention to surroundings– talking on the phone, texting, and listening to music. Attempting to cross when there is clearly not enough time before the traffic light turns green for vehicles Crossing when the pedestrian light hasn’t turned green yet because there is an advance green for cars turning (extremely dangerous and happens more often than you think! ) Some things to keep in mind as a pedestrian: Always cross at designated crosswalks Always wait for traffic to stop before attempting a crossing. Always watch for drivers turning into a crosswalk. Always make eye contact with drivers. Always be visible Do Pedestrians Always Have the Right of Way Using Crosswalks? A common misconception regarding pedestrians is they have the right of way by default when using a crosswalk. While this can be technically true, like most situations involving the law, it is not always the case. When it comes to the law and the relationships between pedestrians, cyclists and motorists in BC - The Motor Vehicle Act of British Columbia establishes the law for all users of the roads in the province and generally provides that a pedestrian has the right of way when crossing streets at crosswalks, but must yield to vehicles otherwise. A solid starting point regarding the right of way for pedestrians is: s. 179 of the Motor Vehicle Act, which provides in part, as follows: (1) Subject to section 180, the driver of a vehicle must yield the right of way to a pedestrian where traffic control signals are not in place or not in operation when the pedestrian is crossing the highway in a crosswalk, and the pedestrian is on the half of the highway on which the vehicle is traveling, or is approaching so closely from the other half of the highway that he or she is in danger. (2) A pedestrian must not leave a curb or other place of safety and walk or run into the path of a vehicle that is so close it is impractical for the driver to yield the right of way. How Does the Law Affect Pedestrians in British Columbia? When it comes to the law and determining liability involving drivers and pedestrians, there are many factors that can come into play: Some examples that can affect decisions of fault are: Lighting and weather Clothing worn by the pedestrian Whether or not the pedestrian left the vehicle enough time to stop How attentive were both the driver and the pedestrian How fast was the vehicle going Mitigate the Risk! When it comes to right of way, there is no absolute answer every time – and decisions on who may be at fault can be based on driver and pedestrian behaviour leading up to an accident, environmental factors related to the accident itself, or even past decisions regarding similar accidents in British Columbia. The most important thing to remember – is that the only way to avoid injury is to always keep your safety in mind – be aware and be careful! If You Need Help - Personal Injury Lawyer Tim Louis If you or your loved one has been injured as a pedestrian in a motor vehicle accident, you should obtain trusted legal advice to discuss your specific situation both regarding liability and compensation. Contact our compassionate and experienced legal team at Tim Louis Law and Associates to book your free consultation today by calling 604-732- 7678 or email timlouis@timlouislaw. com. source: https://www. icbc. com/about-icbc/newsroom/Documents/quick-statistics. pdf https://www. icbc. com/road-safety/sharing/pedestrian-safety/Pages/Default. aspx --- > Automobile collisions can happen without warning – which is why whiplash is such a common injury in BC. Contact us today for a free consultation. - Published: 2018-09-04 - Modified: 2021-04-23 - URL: https://timlouislaw.com/filing-a-whiplash-claim-after-a-car-accident-in-bc/ - Categories: Injury Claims, Car Accidents Automobile collisions can happen without warning – which is why whiplash is such a common injury in BC, often occurring as the result of rear-end motor vehicle accidents but also from work-related injuries, sports injuries, or any other commonplace and traumatic event. What is Whiplash? Sudden jerking movement of the neck area and surrounding muscles can cause severe strain on ligaments – causing damage to soft tissues, injuring the spine and even causing damage to nerves that can go unnoticed at first, but create long-lasting pain and physical limitations. The recovery time for whiplash can be as little as a few short weeks or can be an on-going process for several months and even years for many patients. This painful and often stressful mending process may require continuous medical care and can result in an interruption of normal daily activities and even lost wages. Common Symptoms of Whiplash Neck pain & muscle stiffness Headaches Pain in shoulders Dizziness Blurry vision Nausea Ear ringing (also known as tinnitus) Uncomfortable pain during sleep Tingling and numbness in the arms Receiving the Right Medical Treatment Your medical Doctor can perform a cursory examination by checking your natural range of motion, pain and sensitivity levels and many other symptoms common with whiplash injuries. Unfortunately, soft tissue damage is not always detectable by these basic methods and further diagnostic testing such as MRI or x-rays may be performed to determine further injury; including broken bones or spinal damage. The level of treatment needed will vary depending on the severity of your whiplash injury. Patients who experience mild whiplash may only require over-the-counter medication, while other patients who have experienced extensive damage may require more specialized treatment, prescription medication and or physical therapy. How Soon Should I File a Claim? Not everyone will experience an injury in the same way. Some people may experience immediate pain and stiffness following an automobile collision while others may feel nothing at all aside from a little shock from the event – until the symptoms of their injuries become apparent the following day, the following week – or even several weeks later. It is absolutely crucial for anyone involved in a vehicle collision to visit his or her medical doctor and file a claim as soon as possible. How Much Is My Claim Worth? ICBC may try to minimize the amount of financial compensation paid out for an injury resulting from a vehicle-related collision -- knowing that most people are unaware of the worth of their personal injury claim. As such, the statement you make to ICBC can drastically impact the way in which ICBC handles your claim. An experienced personal injury Lawyer will inform you about the specific claims available to you and determine their worth. Claims can include financial compensation for loss of enjoyment of life, pain, and suffering, wage loss or any other out-of-pocket expenses that may have been lost or may be lost in the future. Additional resource: Steps in an ICBC Claim Everyone deserves fair compensation for whiplash or any other personal injury resulting from a vehicle collision. You are more likely to be fairly compensated by hiring an experienced personal injury Lawyer who will work with you to find a fair settlement for your claim – despite what an ICBC adjuster may tell you. Before You File an ICBC Claim It’s important to note that if your whiplash is the result of a motor vehicle accident, ICBC’s priority is to assess your injury sooner rather than later and settle your case as quickly as possible. Once you settle with ICBC however, you will not be able to obtain additional compensation at a later date if you experience pain in the future. The severity and effects of whiplash on people are unique to each specific case. Tim Louis and his compassionate and talented legal team can give you the solid, trusted advice you need and can deal with ICBC on your behalf. If you or your loved one has been injured in a motor vehicle accident in Metro Vancouver and would like to consult with our legal team who will do everything they possibly can to get you the personal injury settlement you deserve, contact us today for a free consultation at 604-732-7678. --- - Published: 2018-08-01 - Modified: 2021-04-15 - URL: https://timlouislaw.com/5-most-common-car-accidents-in-metro-vancouver/ - Categories: Driving Safety, Car Accidents Personal injury related to automobile accidents is one of the most common and avoidable causes of injury in British Columbia with over 330,000 crashes occurring every year as of 2016. We’ve compiled a list of the five most common car accidents in Metro Vancouver: Speeding & Reckless Driving Unfortunately, speeding and reckless driving have always been one of the leading causes of traffic accidents. We are all overloaded with our day-to-day lives and sometimes getting from A to B on time can be frustrating. However, knowing that speeding is one of the common causes of car accidents, is it really worth the risk? To prevent driving over the speed limit, ensure you leave earlier to allow for extra time in reaching your destination. Driving on wet and or icy roads requires patience and slower speeds. Always be cautious driving in slick weather and leave extra space between you and the next vehicle – following too closely can make it difficult to stop suddenly if needed without hitting the vehicle ahead. Tailgating All too common in Metro Vancouver, tailgating or following a car too closely is one of the most common causes of vehicle collisions. If by chance you need to make a sudden stop, adequate space between you and another vehicle is necessary. Driving schools always recommend there is at least 3 seconds of time between the driver and vehicle ahead. Driver Fatigue Unfortunately, crashes are being caused by driver fatigue that especially peaks in the summer months of July and August. Hot weather and long extended drives are causing accidents by drivers who unexpectedly fall asleep at the wheel after feeling fatigued or mentally drained. Driving while overtired is just as dangerous as any other type of impaired or distracted driving. Distracted Driving Talking or texting on mobile devices while driving has become a big problem in the province and worldwide. As our reliance on technology has increased, heavy addiction to our devices and the inability to put the phone down while driving has caused more crashes than ever before. If the driver is not focused on the road ahead and distracted by talking on the phone, responding to a text, email, or any other common distraction like eating, applying makeup or even reading can not only put the driver and their passengers in danger but can seriously injure or even kill another innocent driver. To prevent distractive driving, turn your phone off before entering your vehicle. Eat or drink before you hit the road and let friends and family know that you do not respond to calls or messages while driving. Impaired Driving ICBC statistics reveal that an alarming 23% of fatal collisions were caused by impaired drivers. Fortunately, BC has the strictest drinking and driving laws in Canada – however, drivers are still getting behind the wheel under the influence. Whether it be alcohol, illegal or legal drugs or heavy narcotics, drivers are risking their lives and others every day. Take your turn being the designated driver Plan your evening ahead of time Always have a local taxi number logged in your phone Familiarize yourself with public transit routes and schedule times Don’t hesitate to call a friend By being aware of the five most common causes of accidents in Metro Vancouver and taking measures to avoid a crash, you can prevent any personal injuries to yourself or others down the road. If you have been in an accident and have a personal injury, contact our trusted team at Tim Louis & Company Law today at 604-732-7678 or email timlouis@timlouislaw. com. Source: https://www. icbc. com/about-icbc/newsroom/Documents/crashes-casualty. pdf --- > Common Personal Injuries Following a Traffic Accident - Whether the impact to the vehicle is minimal or severe, the neck can be one of the most sensitive parts of the body and is easily affected by any type of collision. - Published: 2018-07-24 - Modified: 2021-04-22 - URL: https://timlouislaw.com/common-personal-injuries-following-a-traffic-accident/ - Categories: Vancouver Personal Injury Lawyer, Car Accidents - Tags: car accident, icbc, long-term disability lawyer, personal injuries, Personal Injury Lawyer Personal Injuries from Car Accidents If you or someone you care about has recently been in an automobile accident, you may wonder how severe or how common your injury is – should you go ahead and pursue a claim? The simple fact is you may not feel pain immediately following an auto collision. Symptoms and pain may start to creep up on you weeks or even months later. That’s why it is crucial to have a thorough medical exam as soon as possible following any type of vehicular accident. Common Personal injuries Following a Traffic Accident: Neck Injuries Neck injuries are often one of the most common complaints after an automobile accident. Whether the impact to the vehicle is minimal or severe, the neck can be one of the most sensitive parts of the body and is easily affected by any type of collision. Whiplash is the most common as the head shakes to the side or backwards; an extreme amount of pressure is put on ligaments – causing soft tissue damage that results in strains or sprains. Pain is not always felt immediately as symptoms can be overlooked due to shock and heavy adrenaline coursing through the body following a crash. It is important to get checked out by a medical professional immediately. Spinal Cord/Back Injuries Damage to the spinal cord, whether it is slight or serious, can cause significant nerve damage and in extreme cases can cause permanent paralysis. Examples of other serious spinal injuries include herniated discs, fractures, sprains and lumbar disc injuries. Don’t underestimate even mild back pain following an accident! Symptoms may surface weeks or even months after an auto collision. Internal Injuries The sudden impact from a collision can cause severe damage to internal organs and may have serious implications such as damage to the spleen, lungs, heart, kidneys, bowels or liver amongst others. Rib fractures are also quite common. Such fractures may lead to other injuries, resulting in punctured lungs and other organs. Internal injuries can be fatal, so it is important to get checked out by a medical professional immediately after a traffic accident. Head & Brain Injuries - personal injuries from a car accident Head and brain injuries are some of the most common and most debilitating injuries suffered by passengers and drivers of automobile accidents. Symptoms can be mild to severe depending on where a person is located in the vehicle and the level of violent force impacted to the skull. Even without physical signs of trauma such as cuts or bruises, sudden force to the head can cause damage to the brain – which is why it is important to seek medical attention straight away. Facial Injuries Facial injuries are common and can result from hitting the dashboard, steering wheel, windshield, airbag, side window, back seat or shattered glass. The severity of injury varies ranging from minor cuts and bruises to jaw fractures and can even cause serious dental injuries. Psychological Injuries Regardless of any physical injuries that result from a traumatic auto collision, emotional distress is very real and can easily be overlooked when the focus is on visual signs of trauma. Everyone responds to stress differently and depending on how severe the crash; anxiety, depression, panic attacks and post-traumatic stress disorder can all be the direct result of an auto accident. Personal injuries as the result of an automobile collision should never be taken lightly as the long-term effects of a serious injury can be devastating to one’s quality of life. You can trust Tim Louis & Company to ensure the best possible outcome for your personal injury case. Contact us today (604) 732-7678 or email timlouis@timlouislaw. com --- - Published: 2018-06-25 - Modified: 2021-04-22 - URL: https://timlouislaw.com/frequently-asked-questions-about-car-accident-lawyers-part-two/ - Categories: Personal Injury Lawyer Vancouver - Tags: vancouver accident attorney, vancouver car accident lawyer, vancouver icbc lawyer, vancouver injury attorney, vancouver personal injury lawyer Q5. How long on average should I expect my case to be settled in case it does not advance to the trials? A. Each case is different and unique in its way. Those that are too serious may take very long to settle. Examples of these are brain injuries, losses of limbs, and catastrophic injury cases. This stems from their complex nature and the accompanying medical issues. Some may take months to settle. These are cases that are moderate in severity, less catastrophic and not so serious in liability. The precise length of time decided to solve each case, however, depends on each nature of the case, the extent of the recovery, the severity of the injuries, and the kind of attitude the insurance company or adjuster perceives your situation or you. These notwithstanding, court cases are generally long and protracted. This is because insurance companies never like making payments or settling claims. They are also meticulous and usually insist that all the documents about the applications are submitted and scrutinized before any claims may be awarded. In all, cases take months and years to settle. Q6. Should I visit a doctor after undergoing an accident? A. By all means, you should. The primary reason is not for the sake of the impending court case but your health and personal well-being. It is common knowledge that only hurt rather than healthy people do need medical attention. Insurance companies and the courts usually are too quick to point this out while ascertaining the claims and compensation requests. In case you lack a family doctor, you are advised to visit the nearest clinic. If a clinic does not exist within a reasonable walking distance from your area of residence, you are encouraged to attend the emergency department of your nearest hospital. In your visit to the hospital, the doctor will typically jot down the facts of the holiday and nature of injury in a note. He will then almost always prescribe some medication or refer you to a specialist for advanced medicines. These notes are intended to offer more information concerning your health status. For instance, they may indicate that you are in sound health. Alternatively, they may state that you are gravely injured as the result of an accident. Our legal team will usually compile these medical records from your doctor and use them as the basis for building your case. It is not enough to state that you have been injured or hurt. This is because courts in Ontario will usually demand tangible proof to these effects. As such, your pains, damages, sufferings, and symptoms have to be proved before a court of law. Perhaps the best and most reliable way of doing so is by furnishing the various health records. It, therefore, follows that if you do not see a doctor after an accident, you will miss out on your treatment and appropriate medical attention. You will also less likely build a strong case to your defense. This way, the courts and the insurance company will often find you liable for failing to mitigate your damages. This arrangement is not healthy for your case or you. We would like to do everything in your capacity to recover and lead a healthy life as you had done before the accident. Whereas this might not always be the possibility in all cases, it can, in fact, be the case for individual persons. Q7. What are the differences between the accident benefit adjuster and the tort adjuster? A. Both of these professionals work for car insurance companies but in different departments. Examples of these include the CAA Insurance, Wawanesa, Liberty Mutual, Belair Direct, TD Meloche Monnex, Intact, The Personal, Co-Operators, Aviva, Economical Insurance, and State Farm. The accident benefit adjuster works in the pain, suffering, or bodily injury department. The tort adjuster on the other hand accident benefits department. They may as well work for entirely different companies altogether. In most instances, the accident benefit adjuster will often be the insurance adjuster of your car or that of your spouse. They are ordinarily responsible for administering your no-fault accident benefits that arise from your car accident. These benefits encompass income replacement benefits ($400 per week), housekeeping benefits ($100 per week), attendant care benefits ($1,500 per week), and income replacement benefits ($400 per week), among others. A tort adjuster, on the other hand, works for the insurance company that covers the driver or the other party that was responsible for hitting you. Their roles do not entail processing accident benefits as they merely handle the tort component of your claim. These include, but are indeed not limited to past or future losses of income, damages for pain and suffering, the loss of competitive advantage, and Family Law Act claims. They also do not handle other costs that are not incorporated as part of the accident benefits. If both the tort and accident benefit adjusters work for the same company, a barrier is erected between the two of them to discourage and flow or exchange of communications and ideas between the two parties. The failure to adhere to this principle may often land the insurance company in trouble with the authorities. The company may usually be held accountable for bad faith damages. The same applies if there is sufficient evidence to prove that there was collusion collaboration, communication between the two parties without your consent. Our lawyers can furnish you with the necessary information as pertains the kinds of behaviors that constitute bad faith. They will also detect and prove that there was indeed cooperation between the insurers, adjusters in the same company, or negligence while handling your case. Vancouver Personal Injury Attorney Tim Louis & Company Law 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 --- - Published: 2018-06-25 - Modified: 2021-04-15 - URL: https://timlouislaw.com/do-i-need-a-personal-injury-lawyer/ - Categories: Vancouver Personal Injury Lawyer, Car Accidents, ICBC, Injury Claims, Insurance Claims, Long-Term Disability Law, Long-Term Disability Lawyer, Mediation, Motorcycles, Personal Injury Lawyer Vancouver, Personal Injury Litigation Tips, Slip and Fall - Tags: accident lawyer vancouver, car accident attorney vancouver, icbc attorney vancouver, injury lawyer vancouver, personal injury attorney vancouver Do you need to Hire a Personal Injury Lawyer A lawyer is not needed when making an injury compensation claim, but it is highly recommended that you have one. When you hire a lawyer it doesn’t mean you are ready to go to court it just says you want to seek legal advice from someone rational who is not emotionally involved in the claim. Things You Should It is not necessary to hire a lawyer when dealing with the Insurance Corporation of British Colombia (ICBC), but if you do, then you must make very informed decisions. The ICBC will appoint an experienced adjuster, who works for them, to negotiate for the settlement of your claim at a reasonable amount from ICBS’s point of view. The adjustors continuously deal with injury claim so they will be tough negotiators. A good lawyer will do the following for you: Advise you accordingly Try and obtain a fair settlement for you Collect evidence and proper medical information Decide the extent to which you should be compensated in regards to your case If your lawyer and the designated adjustor can’t come to a proper settlement, then it’s up to your lawyers to take the case to court so that they can obtain a full and fair compensation on your behalf. Less than 1% of the ICBC claims proceed to court. Advice If you are unsure on whether you should enlist for the services of a lawyer then pay a visit to one of the many experienced BC personal injury lawyers and seek legal advice and also obtain knowledge on the matter. Most of the lawyers offer initial legal consultation free of charge or obligations. After the meeting, you will be in a better position to decide whether you need to hire a lawyer. What Do Lawyers Cost? The cost of a lawyer is entirely dependent on the case in which they are handling. In a personal injury insurance claim, you have the right to hire a lawyer and pay on a contingency basis. A contingency fee agreement means that the lawyer you hire will accept a predetermined fixed percentage of the recovery or the money to be paid to the client, if you recover nothing from your claim then you shouldn’t spend your lawyer anything. Regularly, contingency fees in British Colombia range from 20 to 33 percent of the total recoverable amount. Lawyers hired on contingency basis receive their payments at the time when they collect your compensation cheque from the insurance firm not before. Most of the time when you want to enlist for the services of a lawyer you have to visit him. During the first meeting the lawyer gets to familiarize himself with a case, and then you will move on to the sensitive fee issue, make sure you understand the fee contract before signing it. In some cases the lawyer’s services can be paid using a predetermined hourly rate, when using such a mode of payment the lawyer may ask you for a retainer, a retainer is an amount of money that acts as security and will be used to meet the lawyer’s upcoming expenses, the lawyer will thereafter send you interim accounts for immediate payment. The method of payment while hiring a lawyer is entirely up to you. While still discussing the topic of remuneration you must get to understand who will be responsible for disbursements. Disbursements are the expenses that the lawyer will incur in the prosecution of the claim example of such fees are the cost of medical records, cost of hiring experts, court registry fees, and other similar expenses. The disbursements may quickly sum up to thousands of dollars. If you are to pay the lawyer on a contingency fee basis, then all the expenses incurred in the prosecution of the claim are covered by financed by the firm. It’s important to understand who will be responsible for this cost is they can’t be recovered from the ICBC. At times lawyers will deduct the expenses from their final fee if they can’t be collected as part of their final settlement. Protection Of The Public There are specific laws in place to govern the relationship between the lawyers and their clients. The rules of the law society of British Colombia states that in case a court awards a higher amount, the maximum amount a lawyer is entitled to for personal injury and wrongful death arising from the use or operation of a vehicle is 33. 33%. Lawyers rarely charge this percentage except in exceptional circumstances like a highly complicated case or if several numbers of procedures need to be taken to bring the claim to an amicable solution. Also, there is a 90 day cooling off period; the law states that within 90 days of hiring a lawyer you can appeal to the district registrar of the supreme court of British Colombia to have the agreement reviewed if the fee is found to be too high it shall be adjusted accordingly. Personal Injury Attorney Vancouver Tim Louis & Company 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 http://bc. timlouis. com/ --- > When to Hire a Personal Injury Lawyer - It is difficult to forecast the possibility of the occurrence of accidents; they are mostly emergency. - Published: 2018-06-25 - Modified: 2021-04-15 - URL: https://timlouislaw.com/when-to-hire-a-personal-injury-lawyer/ - Categories: Personal Injury Lawyer Vancouver - Tags: vancouver accident lawyer, vancouver car accident lawyers, vancouver icbc lawyers, vancouver injury lawyer, vancouver personal injury lawyers Hire a Personal Injury Lawyer It is difficult to forecast the possibility of the occurrence of accidents; they are mostly emergency. It is, for this reason, there is no specific guideline on when to hire an injury legal adviser. A person that is injured during a car accident has to decide whether to hire the injury attorney or not. Most people have the assumption that hiring a practitioner is expensive. Either way, for cases such as the Insurance Corporation of British Columbia, claims, they are an efficient and essential component to represent you and protect your rights to claim. Is it worth to have a personal injury lawyer? Most insurance firms would want to get away from the compensation plans and benefits. When you do not have an adviser who understands better about injury litigation, then you probably end up disadvantaged. Consider this; the Insurance Corporation of British Columbia was ready to give value to the unrepresented claimants, then there would be fewer officers in this field. Therefore, you understand the importance. No matter the cost of the lawyer, it is worth trying because you will end up with more money at the end of the claim. When do you need an attorney? Some circumstances will require you to hire the injury attorney immediately after vehicle accidents, they include; The death of a family member that has resulted from a car accident. In the occurrence of serious injury that will require hospitalization of the claimant. In the event where the crash is caused by wrongdoing or ignorance of another person and has caused moderate to severe injuries. Where the insurance firm is denying because of the nature of the collision, and you suffer more than one minor injury. In the expectation that you may become permanently injured that has resulted in you losing the future earning or need for future care. Advantages of being represented by a personal injury lawyer From all the above, you may fail to provide enough and convincing evidence. It is for this reasons that you will need to hire the attorney. He or she is a practitioner and knows what evidence to provide that is very vital to the case. They will investigate to avoid the loss of evidence to ensure that the facts are fully developed. Additionally, advice given by the representative will provide that the matter takes the right direction to best document the injury. Even though the attorney provides a bill based on a percentage of recovery from the insurance agent, in majority cases, he or she obtains payment from the insurance firm, which is excess of what you can afford. Therefore, you will yield a tremendous net recovery with the adviser after deducting the charges. By being represented, you will have peace of mind in getting a reasonable fee from the claim adjuster plus you do not have to deal with the firm directly. Not all the injury cases will require representation or hire a representative. Example; you are engaged in soft tissue injury that will not last long. For this case, you may need to convince the insurance agent to provide a reasonable settlement proposal and clear up the issue for a few a dollars. Most injury practitioners provide free consultation, it is upon you to walk to their offices to get the general idea of the value of the case and establish whether or not it is reasonable to claim. Most attorneys charge on only the settlement amount above the original value from the compensating firm; this means that regardless of what happened to your claim, you will obtain a better net recovery with a lawyer than without a member of the bar. To conclude the procedures have evolved to the point where you will need to have a representative to obtain a fair settlement for the compensation. Other instances involve the insurer providing a full value without claimant’s representation. However, this is not common. Contact Tim Louis, Personal Injury Lawyer. Vancouver Personal Injury Law Firm Tim Louis & Company 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 http://bc. timlouis. com --- - Published: 2018-06-22 - Modified: 2021-08-19 - URL: https://timlouislaw.com/is-it-worth-getting-a-personal-injury-lawyer/ - Categories: Personal Injury Lawyer Vancouver - Tags: vancouver accident attorney, vancouver car accident lawyer, vancouver icbc lawyer, vancouver injury attorney, vancouver personal injury lawyer Have you ever been involved in an accident? It is such a hectic life-altering event. It is the moment you wish for the best, but you expect the worst. The personal injury comes in when you have been a victim of such an occurrence. How do you handle the situation? Where do you start? Who do you first consult when the position is more than you can control? Accidents might affect you a lot mentally. Your health insurance might start complications, and you are very weak t begin negotiations with them. This is precisely where the personal injury attorney comes in. Hiring a personal injury lawyer comes along with significant advantages. You get to have great peace of mind as you have someone with the right knowledge of the law of the land. They will handle e all the required procedures that apply to all the injury claims that you get to have. With an attorney on your side, you will never go wrong. What Benefits does the Lawyer Bring on Board? Creating Value On Your Suffering They know how much your claim is worth. Most of the people do not have an understanding of how much amount of money they can get from their application. Every request that gets you either through an accident can as well benefit you. When you are doing it on your own, you are likely to leave it to go and concentrate on your recovery. This will, however, happen once you have the persona that will stand by your side. Some claims are worth a fortune. An attorney can put a value on your pain and suffering. Most of the attorneys will take their cases on the contingency basis. This is the best case as there are no upfront costs. You do not have any reason to fail to hire a personal injury lawyer. Through this, they will be able to address your case accordingly. They Are Experts In The Field The reason he is an attorney is that he understood the entire legal process. They have as well been trained and certified before being allowed to represent people in legal matters. At times you get to develop a gap in your legal knowledge. Through this insurance companies help you in the legal action. They will help you get your compensation and even take your case to court in the case the insurance doesn’t work in the right way. It would be a very hurting situation when you know that you missed a settlement of thousands of dollars just because you did not follow a few legal procedures. Presents Confidence in the Insurance Very few people are prepared to go to trial when you don’t have a well-renowned attorney. The insurance knows that you are prepared to go to trial. The case can even rule against your favor after you invested a lot of money in the case. Hiring an accident attorney makes things easier. They will help you through the case settlement. The lawyers are well trained to handle the situation, primarily through trial. Through statics, most of the cases have been battling against the different insurance companies. In such a case insurance will ensure that they get a motivating settle that will stop the case from proceeding to trial. Vancouver Personal Injury Lawyer Tim Louis & Company 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 --- - Published: 2018-06-22 - Modified: 2021-08-19 - URL: https://timlouislaw.com/is-it-worth-getting-a-personal-injury-lawyer-part-2/ - Categories: Vancouver Personal Injury Lawyer - Tags: accident attorney vancouver, car accident lawyer vancouver, icbc lawyer vancouver, injury attorney vancouver, personal injury lawyer vancouver Increasing Possible Compensation Insurance will contempt you when you are representing yourself. The best way that you can use to protect your interests is hiring a lawyer. These are the experts who have the right training for the job. They are there to handle your affairs. At this point, this is the only friend that you can trust with your information. They are also the people that will give you their entire support. They will, therefore, sought higher compensation. A personal injury attorney is experienced in the job. They will, therefore, know what to expect from an individual injury case. Through their interference, they will, therefore, give you the best ruling and sought the best possible offer. They understand that the high the compensation the high their share will be. Claim Expenses In every claim, you need to provide the required documents. There are so many documents that have to be availed to confirm where and how the accident happened. It pays a lot when you have to get the documents yourself. These include: Filing Fees Service Fees Court reporter fees among others through an attorney, you don’t have to pay each of these costs. You are therefore able to get a functional recovery. They have experience in obtaining these documents and will know how to get all the documents in a very smooth process, and you are therefore able to get a functional recovery. When Hiring a Personal Injury Lawyer A good personal injury attorney is never found just like that. It is an investment of time and resources. Referrals work best. Ask your family and acquaintances about the people that you need to find as your priority. They can recommend a few lawyers who they have experience with. No one will support someone that gave them excellent services. You can as well take them through an excellent interview that will make them receive honest as well as answers that are well straightforward. Investing time to get the best attorney gives you the financial compensation that you get to have. The right attorney will even go ahead to have the injured client maximizing their available insurance. They will give you great recommendations for the medical providers around you. These are the people that will assist you in the best way to recover from your injuries. They have an understanding where you are likely to be great and the payment made through the insurance compensations. As we Wind Up... If you have not yet hired an accident injury lawyer, you need to find one. Use all the available resource to get yourself the best person to avoid the last minute rush. Any injury will cost money, time away from work and other medical bills. Before you hire an injury lawyer, you need to be patient and take them through an interview. A mistake in the injury lawyer can bring great problems later. Taking your time to select an attorney help you in getting the experienced and those that are not too busy to attend to your cases. They ought to give you a significant priority. Personal Injury Lawyer Vancouver Tim Louis & Company 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 --- - Published: 2018-06-22 - Modified: 2021-04-23 - URL: https://timlouislaw.com/frequently-asked-questions-about-car-accident-lawyers/ - Categories: Vancouver Personal Injury Lawyer - Tags: accident attorney vancouver bc, car accident lawyer vancouver bc, icbc lawyer vancouver bc, injury attorney vancouver bc, personal injury lawyer vancouver bc Q1. What is personal injury law? A. Personal injury law refers to the body of rules and regulations that govern hurt or injured persons. The standards encompass civil litigations, tort laws, municipal liability, sexual harassment, product liability, long-term disability, accident benefits, and medical malpractice. To be eligible for a claim, one has to have been hurt in a car, motorcycle, or boat, accidents. This besides, medical procedures, slipping and falling are other possible grounds. You may leverage the existing legal system to solicit compensation or other benefits from the guilty party or the insurance company. Additionally, you may be eligible for compensation from your own insurance company. These could take the forms of long-term disability insurance, workplace insurance, homeowners insurance, or car insurance, among others. These injuries could take the forms of physical, cognitive, or psychological natures. Physical injuries include soft tissue injuries, fractured bones, chronic pains, quadriplegia, wrongful deaths, or loss of limb. The cognitive injuries, on the other hand, may take the forms of temper problems, rage, moodiness, nightmares, sleep problems, dizziness, impaired concentration, fatigue, memory loss, sadness, suicidal ideation, anxiety, and depression. Q2. After how long am I supposed to sue or initiate an accident case? A. As soon as possible! This stems from the fact that each case is unique. Each case indeed presents itself with unique sets of challenges and limited periods. In case you fail to meet the set deadline for your example, there is a substantial likelihood that the courts will summarily dismiss your case. There is also a high probability that the court will also rule that you settle the other party’s legal costs. Generally speaking, victims of car accidents in Ontario have a 2-year window within which to initiate a lawsuit against the at-fault driver or party. However, several other issues do abound while dealing with car accident cases. For instance, a 30-day window exists within which you are expected to submit your accident benefits applications. Other than this, the insurance companies also require that they are furnished with the medical records within ten days after the accident. The failure to adhere to this provision will typically result in no compensation at all. Further to this, the insurance companies may also require that they are updated with the latest Disability Certificates (OCF-3) within 30 days. Failure to adhere to this requirement may attract similar penalties like the one previously. Please note that car accidents differ markedly from the municipal slips and falls. This is because they are not governed by the 10-day written notice requirement as well as the 2-year limitation period. Q3. How much can I expect to receive as compensation for my injuries? A. First and foremost, it is necessary to note that each person, case, and injury is different from the other. Because of this, this particular question has no straightforward answer. The law and the insurance companies also determine to a large extent the amount of compensation you might receive. Unlike the United States of America, caps or maximum amounts payable do exist in Canada. The numbers are set between $310,000 and $330,000. These are the maximum amounts of compensation the courts may award for any injuries. However, Canada imposes no caps on the loss of competitive advantage at the workplace, past and future costs, future attendant cares, past losses of incomes, future damages, and other variables that are not directly connected to pain and suffering damages. These damages are further added to the pain and suffering awards to boost the total values of your claims. Q4. Will my case proceed to the trials? A. A whopping 99% of all the personal injury cases have traditionally been settled outside the courts. However, in some instances, the parties to the dispute are often too far apart. Because of these, such cases have often advanced to the trial stage. The same evidence may also often apply if there are several contentious issues like the credibility of the two parties, damages, and liability. If and when the cases advance to the trial stage, the outcomes are often unpredictable. This is because there is never a ‘sure thing’ in a court of law. The Goldfinger Injury Lawyers have participated in several accident trials against insurance companies. These trials have never been a walk in the park. On the contrary, they have always been grueling and demanding. We are however better suited to handle such claims because of possessing a vast wealth of experience in the field. We are still able to do the same job and deliver the same levels of outcomes. Personal Injury Lawyer Vancouver BC Tim Louis & Company 175 E Broadway, Vancouver, BC V5T 1W2 (604) 732-7678 http://timlouislaw. ca/bctimlouislaw/ --- - Published: 2017-12-20 - Modified: 2021-04-23 - URL: https://timlouislaw.com/aspects-of-car-accident-claim-personal-injury-lawyer/ - Categories: Car Accidents, ICBC Aspects of your car accident claim with which an experienced Personal Injury Lawyer can help Negligent drivers are a fact of life. Their careless actions can easily cause injuries and emotional distress to other drivers. It is essential to understand the types of claims available if you are hurt through someone else’s fault. Commonly, personal injury claimants are entitled to non-pecuniary damages, past wage loss, future loss of income earning capacity and recovery of out-of-pocket expenses. Table of Contents Non-Pecuniary Damages Past Wage Loss Claims Future Loss of Capacity Claims Out-of-Pocket Expenses Future Care / Loss of Homemaking Claims Loss of Marriage Tax and Management Fees Taxable Costs and Disbursements Non-Pecuniary Damages When you are injured as a result of another driver’s negligence, you are entitled to non-pecuniary damages. Simply put, this means monetary compensation for damage caused by pain, suffering and loss of enjoyment of life. There are limitations or “caps” on the amount of money that can be awarded for non-pecuniary damages. The Supreme Court of Canada capped the monetary award for non-pecuniary damages in 1978. The limit was set, allowing for future inflation adjustments, at $100,000 for a personal injury suit. Currently, this cap is approximately $366,000 courtesy of inflation adjustments. This non-pecuniary damages cap applies to even the most severe injuries. All non-pecuniary damage awards are analyzed to be sure the monetary amount is equivalent to the severity of the injury. The effects of your injuries are compared to previous, similar cases to assist in determining the appropriate measure recognizing that no two cases are identical. When using precedent, it is important to remember that no single example will be identical. A skilled personal injury lawyer is best qualified to locate the best comparable cases to maximize your claim of non-pecuniary damages. However, it is possible to search yourself using the judgment database on the government's webpage. ICBC has its own legal researchers and routinely offers claimants much less than a skilled researcher will reveal is appropriate. Past Wage Loss Claims It might seem logical that if you are awarded a claim for past wage loss that the amount would be equivalent to the gross wages lost. Unfortunately, that is not the law. ICBC is only obliged to pay you the net amount of your lost income. Any no-fault wage loss benefits paid by ICBC to you will also be deducted from the amount of your past wage loss awarded. It is crucial to make certain that disability or sick day benefits received from employment insurance are not deducted from your past wage loss amount. It is not an amount that is typically deducted regardless of what ICBC tells you. ICBC will likely attempt to minimize your award for past wages in other ways as well. It is common for ICBC to claim that you missed more work than was medically necessary or will take the position that more proof is required than the law mandates. The law outlines that all income lost due to your injuries from the accident in question ought to be recoverable. The burden of proof lies only in proving that the injury prevented you from earning wages. The law does not mandate you report this income on your tax return for them to be compensable. It is also important to factor in any raises or promotions you were scheduled to receive during the time you were out of work due to the accident. It is part of the law that any raises must be compensated for as part of your past wage loss claim. In addition, your extended health provider will seek reimbursement from you for any long or short-term disability amounts you received. An experienced personal injury lawyer will help ensure this is handled smoothly and thoroughly. Future Loss of Capacity Claims If there is a real and substantial possibility that your injuries will lead to income loss in the future, you are entitled to compensation for future loss of income earning capacity. Recognizing that nobody can see into the future, the law provides many different ways of assessing the amount of your claim for future loss of income earning capacity. An amount can be awarded under this head of damage even if you have returned to your pre-injury employment. An experienced personal injury lawyer will be aware of the recent state of the complicated law in this area and will be best able to assist in determining the most beneficial manner with which to assess this loss. ICBC is notorious for minimizing such payments and even when amounts are proposed, they tend to be too conservative. If you are seeking future loss of capacity, it is in your best interest to have effective representation to succeed in this aspect of your claim. Out-of-Pocket Expenses Out-of-pocket expenses you incur as a result of your injuries are referred to as special damages by ICBC. You must provide evidence such as receipts for any and all out-of-pocket expenses pertaining to your injury. This can include anything from first aid supplies purchased at the pharmacy to travel costs for a doctor visit. These receipts can be submitted to ICBC for compensation. It is vital to keep track of all miscellaneous purchases or expenses that pertain to your injuries. Keep the original receipts as evidence. It is also important to keep an accurate record of all medical or quasi-medical appointments that pertain to your injury. Keep a record of the name of the treatment provider, type of therapy received, expenses incurred to attend, and mileage to and from the appointment. Your personal injury lawyer can help you track and submit these expenses to ICBC so that you can be fully and properly reimbursed. In addition, your extended health provider will seek reimbursement from you for any prescriptions and other expenses that were covered under your policy and relating to the accident. An experienced personal injury lawyer will help you navigate these complicated issues. There is no limitation on the amount that you may be... --- - Published: 2017-07-21 - Modified: 2021-04-22 - URL: https://timlouislaw.com/your-icbc-claim-trial-dollars-without-a-trial/ - Categories: ICBC, Injury Claims, Insurance Claims This article touches on just a few of the strategies I use to get my clients trial dollars outside of a trial. If you have been hurt in a motor vehicle accident you deserve fair compensation for your pain and suffering, your lost income and your medical expenses. For more than 30 years I’ve been representing injured clients seeking fair settlements from ICBC. I have yet to represent someone who would not willingly give up monetary compensation for their injury if they could go back in time and avoid the injury altogether. My clients do not start claims against ICBC out of greed — they just want fair compensation. Pain is not just a four-letter word. Injuries from MVAs can negatively impact all aspects of life — work, play and social relationships, including those with family members and other loved ones. And it’s not just the limitations of the injuries themselves. Pain can rob people of pastimes, activities and even the general sense of well-being most people take for granted before an MVA. GETTING THE TIMING RIGHT Starting a lawsuit against the party responsible for an accident is the beginning of what can be a lengthy journey. While most lawsuits end up settling out of court, it is very difficult — usually impossible — to get trial dollar settlements without a trial date on the horizon. This is why I don’t do what many other lawyers apparently do — try to negotiate with the ICBC adjuster over an extended period of time and, if settlement has not been reached, only start a lawsuit just before the two-year limitation period expires. In my opinion, this is a recipe for either a poor settlement or an unnecessarily delayed one. When I start the lawsuit on behalf of my client shortly after the accident we will get a trial date roughly two years down the road. When we are ready to negotiate a settlement, ICBC is much more motivated to offer trial dollars because of the fact that I have already sent a very clear message — we are quite serious about going to trial. If we had not started the lawsuit right away and we ended up on the cusp of the two-year limitation period, starting one then would mean that the trial date would be roughly four years after the date of the accident — something most clients are not prepared to wait for. A big question people often ask is, should you, as an injured party, settle your claim before you are fully recovered? This can sometimes be very tempting. Partway into the litigation process ICBC will make an offer. Sometimes it’s not a poor offer, given the length of time that’s passed since the date of the accident. However, the answer should always be a firm and clear “no”. If you have not yet fully recovered you have no certainty as to when or even if full recovery will occur. A court, in deciding how much your injury and pain and suffering are worth, will always take into consideration the length of time it took you to recover or the fact that you simply are not going to recover, if this is the case. Settling early before you’ve had the time to recover means that you’re almost certainly selling yourself short. It may be hard to wait but it’s almost always better to do so. I’m fond of the saying that an ICBC file is like a bottle of fine wine. The longer it sits the better it gets. THE POWER OF LAY WITNESSES So we have a trial date on the horizon. Any number of outcomes from the MVA can be your new reality, but the two most striking ones are polar opposites: You are either fully recovered or your doctor has advised you that you are not ever going to recover. Whatever the outcome is, what steps do we need to take to increase the likelihood of getting you trial dollars without a trial? By this point, I will have contacted all of your consulting doctors, obtaining medical legal reports from each of them. ICBC will almost certainly have obtained medical legal reports from their own doctors, too. So if we go to trial, there will be a number of experts in our corner of the ring and a number of experts in ICBC’s corner. The judge will have to decide whose experts are the most credible and reliable. One of the ways I break the “expert deadlock” is by calling lay witnesses. These can be friends, neighbours, relatives and your significant other. Lay witnesses can be very helpful. They see you in the real world; expert witnesses do not. Lay witnesses can give “before” and “after” evidence — what you were like before the accident and what you are like after. A few well-chosen lay experts can go a long way in helping you at trial. More importantly, lay witnesses can help you get a good out-of-court settlement. Here’s how: I will prepare written statements summarizing what I understand the lay witnesses will say at trial if an out-of-court settlement is not reached, and then provide these statements to ICBC. This can have a very positive effect on negotiations. COMPENSATION FOR FUTURE CARE If your injury is permanent you will incur medical expenses after the trial, often for many years. Of course, you will not have receipts for these expenses at the trial itself. These medical expenses are sometimes referred to as Future Costs of Care. I will typically hire an occupational therapist to prepare a Future Costs of Care report. This report assists the judge in calculating the appropriate amount of money to compensate you for all of your future care costs. A Future Costs of Care report that’s done effectively can be very helpful to your claim. Served on ICBC well in advance of the trial, this type of report will increase the amount of money ICBC is prepared to put on the table.... --- - Published: 2017-02-23 - Modified: 2021-08-19 - URL: https://timlouislaw.com/earning-tips-and-fired-from-job-law-is-on-your-side/ - Categories: Employment, Tips, Wrongful Dismissal If you have recently been fired or terminated from your job and your boss had no valid reason for doing so, that could fall under a wrongful dismissal, where you probably already know that your employer must pay you damages. This payment is in lieu of your employer giving you reasonable notice in cases of firing without just cause. As a general rule of thumb, the amount is equivalent to the salary or wages you would have received with termination with reasonable notice — anywhere between four weeks at the low end and six weeks at the high end for each year of employment. Employers Are Liable For Tips and Gratuities Where this can get complicated is if you were earning tips or gratuities in addition to your salary or wage while working somewhere like a bar or restaurant. If you’re like most people in such a line of work, you probably don’t declare all or most of your tips on your income tax return. The question is, in such a situation, is your employee liable to you not only for your base wages, but also for the tips you would have earned during the notice period? And, if your employer is liable for these tips, who calculates that amount — your employer or you? The B. C. Supreme Court considered these questions, and the judgment is great news for people who earn part of their income from tips. Sarah Chapple, a restaurant manager, took her employer, Umberto Management Inc. , to court. In January 2007, she was dismissed after having worked for the defendant for more than 13 years. The Umberto Management Inc. Case The trial judge ruled that Umberto Management should have given Ms. Chapple 15 months’ notice, and therefore she was entitled to 15 months’ pay. As well, the trial judge went on to award her more than $70,000 for the tips she would have earned during the notice period, despite the fact she did not claim all of her gratuities on her income tax, nor did she or the defendant keep records of her tips. The defendant appealed the trial judge’s decision. Firstly, Umberto Management alleged that they did have good reason to terminate her in the first place. Therefore, no notice was required. In the alternative, they argued that not only was 15 months’ notice excessive but the award of over $70,000 for tips was excessive, too. The B. C. Court of Appeal rejected the defendant’s appeal on all grounds. What does all this mean? If you have been recently terminated without cause by your employer and you earned tips or gratuities, the law is now firmly on your side. --- - Published: 2016-10-29 - Modified: 2021-04-15 - URL: https://timlouislaw.com/differences-litigating-personal-injury-canada-vs-us/ - Categories: Personal Injury Litigation Tips There are a number of differences between countries when litigating personal injury cases in Canada versus the United States. While the two legal systems generally share the same core values and principles and basic notions of rule of law, there are some major differences between the two systems. Canadians have a reputation of being less litigious than Americans, but the differences don’t stop there. Court system Canada has a three-court system, which includes superior, federal and provincial. Personal injury and car accident cases are legislated under the provincial court. In the United States, the federal court plays a larger role in these types of cases. Judges in Canada are also appointed by the federal or provincial government, as opposed to being elected, as they are in the States. This can lessen the influence of politics on a judge’s taking to the bench. During the court procedures in Canada, claims are assigned to one court, which can result in different judges hearing the motions over the course of a civil action. In opposition, civil cases in the U. S. are assigned to one judge, who will preside over all court actions. It is also rare for Canadians to employ a jury system in the courts during a civil matter. When assessing cases and history, Canadian courts not only look to Canadian judgments but also what’s happened historically in foreign cases. The U. S. , on the other hand, relies mainly on what’s happened in the U. S. when they have legal questions. The Province of Quebec has a court system much different from the other Canadian provinces, which applies many of the civil law traditions of France. In Canada, the pretrial process is much more restricted than it is for their U. S. counterparts. Examinations of witnesses in the United States allow for multiple witness testimony, whereas in Canada, only one witness is able to testify on behalf of each party. As well, examinations for discovery can’t exceed seven hours in Canada, so they are time-limited. The U. S. rules for depositions (as it is called in that country) are much broader and allow for more time and examination of witnesses and evidence. Cost & Damages Litigating cases in Canada is less expensive than what it would cost in the U. S. and this is mainly because the rules of procedure are reduced. As well, what the winner of a legal case will get in damages can be much less than what they would get in the U. S. , although losers are often made to pay for legal costs. In Canada, the losing side of a dispute will be asked to pay legal costs to the winning side, which can typically include lawyer’s fees and disbursements. If the losing party refused a reasonable offer before judgment, these costs may be even greater, although punitive damages are an infrequent occurrence in Canadian courts. General damage awards for pain and suffering are capped at CDN$300,000 in Canada. In the U. S. , the losing party is often penalized with compensatory and punitive damages, in a greater amount (often astronomically greater) than what is typically seen in Canada. Filing a personal injury claim if you are a Canadian injured in the United States If you’ve been hurt outside of Canada, there are limitations to whether you can get your personal injury case heard in a Canadian court. The defendants need to either live or carry on business in Canada in order for the case to be under the jurisdiction of the Canadian courts. When it comes to motor vehicle accidents, if the insurance companies for both parties are located in Canada or have Canadian subsidiaries, you are able to file your case in a Canadian court. The courts will look at other factors when determining jurisdiction, such as if the plaintiff is unable to pursue the matters outside of the country due to their extensive injuries. If they need medical attention in Canada as required because of the accident, the courts may decide to allow the case to be tried in a Canadian court. Cross-border personal injury cases are complex and often the at-fault party in the U. S. may not have sufficient insurance to pay your claim due to lower minimum insurance requirements. Consulting a car accident lawyer is your best bet in getting your claim heard and your rights protected. For more information about filing a claim if you have been injured through no fault of your own, contact Vancouver personal injury lawyer Tim Louis today at 604-732-7678. Additional information for this post provided by the Law Office of Rodney K. Okano in Las Vegas, Nv. --- - Published: 2016-08-29 - Modified: 2021-04-15 - URL: https://timlouislaw.com/bc-employment-law-seek-advice-labour-lawyer-paid-employer/ - Categories: Employment If you have not been paid wages by your employer, you may be trying to decide whether to sue or, instead, to file a complaint with the Employment Standards Branch under the Employment Standards Act. Before you decide which route to take, you may wish to get advice from an employment or labor lawyer. This is especially important after a recent Small Claims Court decision. The Small Claims Court recently considered the case of an employee who had not been paid wages by his employer. At Small Claims, this employee did not have a lawyer - he represented himself. I am disappointed to tell you that the employer succeeded in having the case dismissed. The employer drew the Court's attention to Section 82 of the Employment Standards Act. This section requires the employee to obtain the consent of the Director of Employment Standards to take the employer to Court if the dispute has already been ruled on by the Employment Standard's Branch. In this case, the employee had already taken the dispute to the Employment Standards Branch. The employee was successful but could only get an order for six months worth of back wages because the Employment Standards Act limits claims for unpaid wages to a six-month maximum. In this case, the employee was owed back wages beyond six months. After his success at the Employment Standards Branch, the employee sued in Small Claims Court for the back wages not covered by the six month limit. The employee did not get permission from the Director of the Employment Standards Branch. The Small Claims Court Judges accepted the employer's argument that the case must therefore be dismissed. Hindsight is 20:20. but in this case, the employee would have been better off just suing in Small Claims Court for the entire claim of unpaid wages. If you have not been paid by your employer, you may wish to consider seeking the advice of an employment/labor lawyer before deciding what to do. Call Vancouver wrongful dismissal lawyer Tim Louis today at (604) 732-7678. --- > BC Employment Law: Insubordination - Is it grounds for termination? Read more about it here. - Published: 2016-08-22 - Modified: 2021-05-12 - URL: https://timlouislaw.com/bc-employment-law-insubordination-grounds-termination/ - Categories: Employment BC Employment Law: Insubordination - Is it grounds for termination? You have just been asked by your boss to carry out a new procedure he thinks will be much better than the current procedure. However, your boss does not have the hands-on experience you do and you know from past experience that every time he comes up with a new procedure he thinks will be much better, it turns out more often than not, his new procedure is not practical. If you decide not to carry out your employer's latest new idea, and you are fired, can you successfully sue for wrongful dismissal if you can demonstrate to the Court that your employer's new idea was not going to work? As an employment lawyer, I am frequently asked for advice from clients in situations similar to the above. These clients want to know if they will be able to successfully sue their employer for wrongful dismissal/wrongful termination if they are fired after refusing to carry out their employer's directions. Surprisingly, the law is not on the side of the employee in cases where an employer's directive is intentionally disregarded - even if the employee had good reason to believe the directive was a poor management decision. Our B. C. Court of Appeal recently heard an appeal of a Trial Judge's decision. The Trial Judge had dismissed a wrongful dismissal/termination lawsuit brought on by a senior manager, against his employer, after he was fired. The B. C. Court of Appeal, in dismissing the senior manager's appeal, thoroughly reviewed the law and referred to many longstanding cases. In summary, the Court concluded that, unless the employer's direction is illegal, dishonest or would risk the employee's safety, the employee must follow the direction. To do otherwise gives the employer grounds to terminate the employee with cause. The result is that a lawsuit by the terminated employee will fail. You might think you are making the right decision in not carrying out the employer's instruction but unless you are being asked to do something illegal, dishonest or something that will put your safety at risk, you run the risk of losing your job and not being able to sue. If you are thinking of refusing to follow your employer's instruction, make sure to speak with an employment or labor lawyer first. --- - Published: 2016-01-19 - Modified: 2021-04-15 - URL: https://timlouislaw.com/technology-putting-client/ - Categories: Technology Just over three years ago, I decided it was time we went paperless. One year of due diligence later and I decided to go forward with a product called Primafact. Primafact allows us to simply and efficiently scan and file all documents on a client matter. The transition was painless. We used the accrual approach – we did not scan all the existing paper files. Instead, with each new client file moving forward, we went paperless. The benefits of going paperless have been enormous, not just saving us time in the office but also dramatically improving client service. For instance, when a client calls with a question, we no longer need to put the call on hold, walk to the filing cabinet, pull the file, and look for the relevant document. Instead, with the click of a button, we can find what we’re looking for with client on the phone in a matter of seconds. Just over one year ago, I decided it was time to move the office to the cloud. This would make it possible for all office staff and myself to access everything in a client’s file no matter where we were. Just like going paperless, deciding on which company to go with took a lot of research. I’m very happy I decided to go with I-Worx. Just last month, we completed our move into the cloud. We no longer need to bring the entire file with us to Discoveries, Court Applications and Trials. It is all in our laptop or Ipad. Working from home is now a piece of cake! The third and last item on my technology to-do list is VOIP – Voice Over Internet Protocol. I interviewed so many vendors that the process became overwhelming. Not surprising given the fact that lawyers are not trained in technology. A lawyer friend of mine recommended I hire a consultant, Vic Buehler. He found an option that had all the bells and whistles I was looking for and more – Telus’ Ringcentral. We hope have our new VOIP system installed within the next 4 weeks. It’s hard to believe that when I got called to the Bar in 1984 we still had typewriters! --- - Published: 2014-05-15 - Modified: 2021-04-15 - URL: https://timlouislaw.com/medical-expenses-renovations-claimed/ - Categories: Injury Claims, Uncategorized In a September 13, 2013 Tax Court of Canada case, the taxpayer's claim for amounts paid to install engineered hardwood flooring as a medical expense was denied by CRA. The engineered hardwood replaced fairly new carpet in the taxpayer's five year old home on the advice that her husband, who suffers from progressively debilitating Parkinson's disease and psoriatic arthritis, was at serious risk of a fall due to the carpet. There was no dispute that the new flooring would enable the Appellant's husband to be more mobile and functional within the dwelling. However, in order to claim a medical expense, the law also requires that the expense: i. not typically be expected to increase the value of the dwelling; and ii. not normally be incurred by persons who have normal physical development or who do not have a severe and prolonged mobility impairment. CRA argued that the engineered hardwood flooring had to be excluded under both requirements. Taxpayer wins The Court was satisfied with the evidence that modestly priced engineered hardwood flooring, as opposed to solid hardwood flooring, would not typically increase the value of the property, especially when replacing fairly new, quality carpet in only a portion of the home. The Court further concluded that the taxpayer "only put in what was necessary" and that this expense would not normally have been incurred in the absence of the medical need. As such, the expense was allowed. Large medical expenses are routinely reviewed by CRA. Contact us before incurring significant costs to determine if they may qualify as a medical expense. --- - Published: 2013-12-13 - Modified: 2021-04-15 - URL: https://timlouislaw.com/icbc-social-media-surveillance/ - Categories: ICBC, Social Media, Tips - Tags: attorney, icbc, social media, tips In today's world of Twitter, Facebook and other social media, more and more cases are being influenced at trial by client postings that give ICBC an unfair advantage. Being aware of this risk, I caution my clients to be extra careful when they post to any social media. I thought I would share with you some great tips I came across the other day from James Publishing. The real value in these tips is that they give you very specific instructions. This will help you avoid giving ICBC gifts they don't deserve. Here are the tips: Keep an eye out for video operators, sitting in a vehicle or elsewhere, taking videos or photographs with a hand-held video camera or cell phone. Avoid engaging in any activities that the defense could distort or twist in order to claim that you are misrepresenting your medical situation. If you, or your family, use any social media sites, including Facebook, MySpace, Twitter, Instagram, LinkedIn, Caring Bridge, etc. , you should immediately reset your profiles to the highest possible privacy settings. We can help in this regard if necessary. Do not accept any friend requests from anyone you do not personally know. Do not post anything about your case, your injuries, your personal thoughts, photographs or conversations with your attorneys on any social media site, or blog. The best practice, from this point forward, is not to post any information on social media websites. Ethical rules concerning your lawsuit prohibit you and your attorney from removing, deleting, concealing or withholding any information you may have already posted. If your close friends and family members post pictures or information about you, please make them aware of these guidelines and ask them to follow them. --- - Published: 2013-06-12 - Modified: 2021-05-02 - URL: https://timlouislaw.com/finding-personal-injury-lawyer/ - Categories: Uncategorized - Tags: best, find, lawyer, personal, the The phone book is the last place to look if you are trying to find a Vancouver personal injury lawyer. Yellow page ad size is more an indicator of the lawyer’s advertising budget than it is the lawyer’s skill set or his/her fit with you and your expectations. Interviewing a Personal Injury Lawyer The best way to make certain you hire a personal injury lawyer you have confidence in and feel comfortable with is to take the time to meet with and interview your potential lawyer. Some of the factors you may wish to consider when interviewing different lawyers are: how comfortable was the lawyer in answering your questions? how interested was the lawyer in your individual case? how accessible the lawyer will be to you – while you will be working with her/his support staff to some degree, will you also be working with the lawyer directly? will the lawyer be keeping you up to date at every step of the lawsuit, and if so, how? Consider word of mouth and referrals The best way to make sure that you hire a personal injury lawyer who will have success with your case is word of mouth. If you don’t know someone who can refer you to a lawyer with whom they’ve had a successful experience, then ask the lawyer you’re interviewing if she/he can refer you to satisfied clients that you may contact. The support staff of a personal injury lawyer is important Although the personal injury lawyer you are interviewing will be the person responsible for the overall management of your case, her/his support staff will be the individuals you deal with most of the time – no matter how accessible the lawyer. Keep this in mind when you set up and attend at the lawyer interview appointment. How are you dealt with over the phone? How are you greeted in the office? What is your first impression of the office as a whole and the support staff you come in contact with – however briefly? First impressions count! Remember, yellow pages no – interview yes! Call an experienced Vancouver personal injury lawyer at Tim Louis and Company Law today to setup your interview with us. --- - Published: 2013-05-06 - Modified: 2021-04-22 - URL: https://timlouislaw.com/tips-for-mediation/ - Categories: Injury Claims, Mediation - Tags: a, insurance adjuster, mediation, of, personal injury law Most clients who come to my Vancouver Personal Injury law practice have heard of mediation. However, in order to take full advantage of mediation, a number of key points must be understood by you, the client, before the mediation takes place. How I select the mediator - Each personal injury case is unique – the complexity, the adjuster’s personality and how you, the client, present, are all factors that I consider before coming up with my shortlist of preferred mediators. I then post my shortlist on the Trial Lawyers Association of BC ListServ to find the best match for your case. At mediation, I present as though we were at your trial - providing the Court with my opening statement – I want the adjuster to see first hand how “trial-ready” I am. If the adjuster has come to mediation without enough authority to settle the case, I terminate the mediation. Because I presented as “trial-ready”, more often than not, when the adjuster returns to his/her office, the insurance company increases the offer. Adjusters that witness firsthand just how effective I am going to be at trial get the authority they need to settle the file. I focus my attention on the adjuster – Up untill the mediation, everything the adjuster has learned about your personal injury case has been filtered through the insurance company’s lawyer. Mediation is my golden opportunity to speak directly with the adjuster. Remember it is the adjuster who carries the check book – not the insurance company’s lawyer. How I handle weaknesses in your case - Every personal injury case has weaknesses. If it didn’t, it wouldn’t be in litigation. I quickly get the weaknesses out of the way by admitting them. This shifts the discussion onto the strengths of your case. Too much time spent haggling over points that are going to be lost at the end of the day, anyway, weakens your case. Better to fight on terrain that benefits us. I don’t reveal your bottom line ever – not even to the mediator – As soon as the other side learns of your bottom line, you can guarantee that your case will settle for less than this amount. Your floor has been turned into a ceiling. Be prepared to ‘walk’ – Adjusters get great pleasure from drawing a line in the sand. If that line is below your bottom line, I terminate the mediation then and there. It is my experience that once the adjuster gets back to his/her office, a new higher offer is forthcoming. I do everything I can to get the adjuster to put their cards on the table – Sometimes the adjuster and the insurance company lawyer keep their cards too close to the chest in the presence of you, the client. Simple solution – I ask my client to ‘wait in the hall’. This can work magic. I learn more about the other side’s view of the case than I ever would have learned with you, the client, present. If your case does not settle, I am that much better prepared for trial. So, those are the thoughts of a Vancouver Personal Injury Lawyer. --- - Published: 2013-04-15 - Modified: 2021-05-12 - URL: https://timlouislaw.com/20-questions-with-tim-louis/ - Categories: Tim in the News, Uncategorized - Tags: become, how, louis, quadrapeligic, tim From the Verdict Magazine: Winter 2013. Name: Tim Louis Law Firm & Location: Tim Louis & Company, Vancouver TLABC Member Since: 1986 Post-Secondary Degree(s) and Institution(s): LLB, UBC 1983 Year of Call in BC: 1984 Areas of Practice: Civil Litigation: Long-Term Disability, Personal Injury 1. the Verdict: What is your concept of justice? Tim: I have decided this question is best answered by considering the term justice in the context of the phrase ‘a just society. ’ Justice means a society in which wealth is distributed much more equally and evenly than it is today. All the empirical data tell us that as we reduce poverty levels and wealth inequality, we do more to reduce crime levels than any ‘get tough on crime’ program will ever accomplish. Reducing wealth inequality also has a greater positive impact on health outcomes than increasing our health care budget will ever have. That is my definition of justice. 2. What led you to choose law as your profession? A law degree would give me one more tool to help bring about social and political change. The practice of law would give me many opportunities to address social injustice on a case-by-case basis. 3. What is as important to you now as it was 28 years ago, when you were starting your career as a lawyer? Providing legal services and access to the court system for individuals who would not otherwise have representation. 4. Being asked to represent someone in a legal matter can be a great honour, as well as a great responsibility. When given this opportunity and obligation, what should a lawyer strive to do upon meeting a client for the first time? Most of my clients have very little if any understanding of the journey they are about to embark on. I take the time to describe the key steps in a lawsuit, in plain language. I also let them know how long this journey is likely to take. I explain that in my practice, the lawyer-client relationship is a partnership of equals. This means that the client will always be as well informed about their file or case as I am. Finally, I pass on one of the best pieces of advice I was given by my mentor, the late Harry Rankin QC, who said: “We have a legal system, not a justice system. ” The law is an imperfect tool that can help to right a wrong, but it doesn’t necessarily guarantee that my client will ever be put back in the position they were in beforehand. I also strongly believe a lawyer should be easily accessible to the client throughout the life of the client’s file. At the very first meeting, I make sure my clients know they should always feel free to contact me and that I always return phone messages within one day – unless I’m in court, in which case one of my support staff will phone them within one day. 5. How does your approach to work differ today from your approach in yesteryear? My approach today is very much the same as my approach was when I opened my law practice in 1984. If we make ourselves available and accessible as part of our practice, we can not only act on behalf of clients who have retained us, but also assist many other individuals with practical summary advice. A large part of my day is taken up assisting individuals by providing them with pro bono summary advice over the phone and in person. 6. What are some of the most difficult aspects of your workweek, with respect to logistics (e. g. time management, commuting, scheduling)? Technology has fundamentally changed the way we practice law. It has eliminated, or significantly reduced, many of the difficult logistical aspects of my workweek. Here are two examples: I rely on Amicus Attorney to keep me organized. I begin each day by working through my Amicus to do list. One of my favourite features in Amicus is its ability to automatically schedule all the key dates prior to a trial at the time the trial date is scheduled. No more last-minute panics getting and serving expert reports before the service date expires! The internet has made commuting much less of a problem than it ever was. I work from home as I wish - with my support staff in real time over the Internet. 7. What are among the most challenging aspects of practicing in the areas you practice in regularly? Post-trial cost consequences give an unfair advantage to corporate defendants, such as insurance companies. This makes it very easy for a corporate defendant to take an unreasonable position in negotiations, putting pressure on plaintiffs who will never have the deep pockets corporate defendants do. Too often this pressure forces plaintiffs with good cases to accept poor offers. 8. What are among the most rewarding aspects of your career, and – to date – what are some of your favourite career moments or milestones? Providing legal representation to individuals who would otherwise go unrepresented is one of the most rewarding aspects of my practice. Many years ago, I acted for a single mother who had been terminated from her employment as a financial-aid worker by her employer, the Ministry of Social Services and Housing. Her union had sat on her file for two years, forcing my client to exhaust her employment insurance benefits and to apply for welfare. She was covered by a collective bargaining agreement that exclusively prohibited anybody other than the union from representing her on disputes with her employer. I persuaded the union to hire me for a dollar a year. I succeeded in getting her a large financial settlement. One other case that I remember vividly is a single mother on welfare whose young children had been apprehended by the ministry. It was alleged that she had a condition called Munchausen by proxy – a relatively rare form of child abuse that involves the exaggeration... --- - Published: 2013-02-24 - Modified: 2021-04-15 - URL: https://timlouislaw.com/dont-pull-white-flag/ - Categories: Car Accidents, ICBC, Injury Claims - Tags: be, can, once, set, trial Personal injury clients sometimes come to me with cases that don’t look winnable to them. There are usually one of two reasons for this. Either they know the car accident was not their fault but they don’t have any witnesses to support their version of what happened. Or, the injured client does have witnesses that can give evidence that the car accident was not their fault but their doctor does not accept the fact that the client has been injured. Here is a recent example of the first situation – and one with a great ending! Mrs. R's car accident claim My client, Mrs. R, was involved in a car accident in 2007. She had come to a stop at a red light and was rear-ended by another driver who had been talking on his cell phone and not paying attention. The other driver, the Defendant, refused to take responsibility for the accident and claimed Mrs. R. had suddenly changed lanes into his lane without signaling and then suddenly stopped giving him no opportunity to avoid rear-ending her. The Defendant managed to round up a witness who supported his version of the events. Mrs. R. had a passenger in her vehicle. Unfortunately the passenger spoke very poor English. When the ICBC adjuster interviewed her – without an interpreter, it was very easy for the adjuster to put words in the passenger’s mouth in an effort to strengthen the Defendant’s version of what happened. The passenger ended up signing a written statement repeating the Defendant’s version of the accident. Things went from bad to worse for poor Mrs. R. Before hiring me, she hired a lawyer who just ‘sat on the file’ as the years went by. She eventually fired that lawyer and hired me. I believed my client. I set to work getting all our ‘ducks in a row’. I immediately obtained a trial date for Mrs. R. Then I ordered a medical-legal report from her doctor. Next, I spoke with her employer and obtained all the evidence I needed to prove the loss of income Mrs. R. had suffered due to the accident. I knew Mrs. R. ’s evidence at trial was going to be extremely important because of the Defendant’s witness and the passenger’s signed statement. My team at the office began preparing her on a daily basis. That’s because we never raise the white flag. Just one week before the trial, I learned that the ICBC lawyer had lost track of the witness the Defendant had rounded up. This was our first big break but ... the playing field was still not level: there was still the problem of the passenger’s signed statement. Four days before the trial, the passenger learned for the first time that her employer would not give her time off to give evidence at trial. The ICBC lawyer could only put her signed statement into evidence if she was at trial. The simple solution for ICBC would have been to subpoena the passenger. The subpoena would have overridden the employer’s refusal to give her time off. But, the ICBC lawyer had left it too late. With only four days to go there wasn’t enough time left for the ICBC lawyer to go to Court to get the subpoena and have it served on the passenger in time for the trial. ICBC realizes their case is much weaker Without any witnesses, ICBC knew they suddenly had a much weaker case on their hands and faced the very real prospect of a complete defeat. With two days to go before the trial, ICBC put a very nice offer on the table which Mrs. R. was delighted to accept. For icing on the cake, I insisted that ICBC structure the settlement in a way that meant Mrs. R. did not need to pay back any of the employment insurance benefits she had received for eight months after car accident. A good story – and a real one. If you know you are in the right, get ready to do battle! If you need help with your car accident claim, don't hesitate to call Tim Louis & Company at 604-732-7678.   --- - Published: 2013-02-12 - Modified: 2021-04-15 - URL: https://timlouislaw.com/changes-to-paralegal-rules/ - Categories: Paralegals - Tags: bc, changes, paralegals, to In most law firms, mine included, a good paralegal can get by for a few days without a lawyer in the office but a good lawyer can’t get by for an hour without a good paralegal. Paralegal rule changes help to reduce legal fees Recent changes to the Law Society of BC’s Rules allow paralegals to perform in areas previously restricted to lawyers. These changes recognize just how important paralegals are. The Rules changes will also increase the public’s access to legal services by reducing client fees. Before these rule changes, paralegals were not permitted to give legal advice. This was in spite of the fact that the paralegal may have had much more familiarity with the file having prepared documents for review by the lawyer, having done the background research for the documents, and having had more contact with the client. With these Rules changes, paralegals can give legal advice. This advice may take the form of preparing a document, giving an opinion to the client, or giving oral advice during a meeting with a client. A Paralegal can now work in Family Law In addition to now being permitted to give legal advice, a paralegal may perform a number of tasks within the area of Family Law. They may appear in Court on uncontested renewals of notices of family claim, uncontested applications for alternative methods of service, uncontested applications for leave to amend pleadings, uncontested applications to compel production of documents for inspection and copying, and applications in which notice is not required. The role of the lawyer in this new world is to provide appropriate supervision. The lawyer must also ensure that her or his paralegal has the skill set to undertake the tasks in question. With these new Rules, clients will obtain more cost-effective legal services without sacrifice of quality. --- - Published: 2013-01-21 - Modified: 2021-04-22 - URL: https://timlouislaw.com/dont-accept-cheap-settlements/ - Categories: Injury Claims, Insurance Claims - Tags: company, court, on, settlements, trial In my experience representing injured clients over the last three decades, it’s not uncommon for insurance companies to count on injured Plaintiffs being forced into accepting cheap settlements because they are unable to afford the long wait for their trial date. When I first began practicing law in 1984, it was not uncommon for Plaintiffs and their personal injury lawyer to get all the way to the Courthouse on the day of their trial only to be informed by the Registry that they were being ‘bumped’ - there was no judge available and that their trial date had to be re-booked. With the trial-booking backlog at that time, this meant that the Plaintiff typically waited another eighteen months before getting their day in Court. This played into the hands of the insurance companies. Getting your trial bumped happens less now Today it’s much less common to get ‘bumped’. This problem has been improved by the Government of British Columbia appointing more judges. Since insurance companies can no longer expect that the Plaintiff’s case might be ‘bumped’, they have come up with many other ways of getting the trial date adjourned on the eve of trial. So, Plaintiffs are still being forced into to accept cheap settlements by insurance companies that don’t play fair. However, there is a remedy that can be applied in many circumstances - injured Plaintiffs can level the playing field by asking the Court to order the insurance company to pay an advance. This is exactly what happened in the recent case of Wood Atkinson v. Murphy. The Plaintiff was involved in a motor vehicle accident in August 2006 and suffered a wrist injury. On behalf of the Defendant, the lawyer appointed by ICBC admitted liability for the accident. When the trial had to be adjourned, the Court ordered the insurance company, ICBC, to pay the injured Plaintiff an advance of $50,000. 00. Our law firm can help you with your insurance claim If you are an injured Plaintiff, the insurance company representing the Defendant has admitted liability for your injuries, and your trial date has been adjourned, ask the Court for an advance and don’t accept a cheap settlement. Call us at Tim Louis & Company Law for more information at (604) 732-7678. --- ---