• Insurance

    Disability Insurance In Canada

    Disability insurance or disability income insurance refers to a type of insurance that can provide income for those unable to perform their work due to disability. If you are experiencing loss of income due to a disability, which may be because of an illness, a physical injury, or a psychological disorder, disability insurance can cover your case. Here are two main types of disability insurance: Government insurance programs, and Private insurance plans

    Keep in mind that an employee must be working to purchase disability insurance based on income replacement. The type of disability insurance you choose will affect your eligibility for benefits and the type and amount of benefits you receive. For more detailed information, visit paralegal firms in Toronto.

    What Are Government Disability Insurance Programs?

    All working Canadians who meet the eligibility requirements and have paid the required insurance premiums can use the available government insurance programs. Here are two of them: provincial insurance and federal insurance

    Provincial Insurance 

    The Workplace Safety and Insurance Board provides disability benefits to injured or sick workers in Ontario. The good news is that this insurance program covers the majority of workers in Ontario. As an employee covered by Workplace Safety and Insurance, if you have a work-related injury resulting in losing wages or needing medical treatment, you can collect benefits. Also, the family members of a worker, who dies from a work-related disease or in a work-related accident, can collect benefits.

    Federal Insurance

    A worker, who has paid EI premiums and is unable to work because of an injury or illness, or is quarantined, can collect Federal Employment Insurance sickness benefits.

    Canada Pension Plan disability benefits are available for those who have made contributions to the Canada Pension Plan and are unable to work at any job because of disability.


    What Are Private Disability Insurance Plans?

    Private Group Disability Insurance Plans

    This type of private insurance plan, mostly provided by employers and associations, provides disability coverage to employees who become disabled due to a work-related disease or injury and cannot work. Sometimes, an employee must contribute to the premiums through regular deductions from the amount of payment. It should be emphasized that if an employee pays for part or all of the premiums, then s/he must not pay tax, but if the employer pays for the policy, an employee will pay tax on that portion of benefits.

    Private Individual Disability Insurance Plans

    You can purchase your private disability insurance policies. In other words, it can be purchased directly from an insurance bank or company. Short-term and long-term plans are among the common types of individual disability insurance. Because you may ask whether you should purchase disability insurance and if so, how much, we provide you with several considerations:

    • If you are self-employed
    • If your employer cannot provide disability insurance
    • If the employer provides insurance, but the employee thinks the coverage is not enough

    Depending on if you have insurance and what type, the benefits you may be entitled to can be different. Before any decision, you should consult with a trusted paralegal in Toronto.

  • Insurance

    What To Look For In A Title Insurance Company?


    The real estate industry has been continuously advancing and this advancement has led to the importance and demand for title insurance. In simple words, a title insurance policy can protect the property title rights of the owners. The policies for the title insurance may vary greatly. The individuals can go with an appropriate title insurance policy that is well-suited to their requirements. Today the title insurance companies work online and offline in the real estate market. It is a fact that not every single title insurance company can offer equally beneficial solutions to the clients. There are some attributes of a well-reputed title insurance company that must be looked for when hiring their services.

    Repute in the real estate market

    Firstly the title insurance company must be working with a sound repute in the real estate market. The commonly covered defects are issues between the heirs, dispute on the documents of the property, conflicts on the title of the land and many others. All these matters are of due importance and to tackle such complicated issues the insurance providing company must be able to understand the varying demands of the clients. The company must be working with a strong repute in real estate market.

    Offering diverse and customized title insurance policies

    The title insurance company must be able to deliver customized policies to the clients in accordance to their property demands. The policy requirements of a home owner may be different from a mortgage lender. In this connection the agents of the title insurance company should offer customized policy solutions for satisfying the demands of the clients.

    Highly expert team of agents

    Every organized and professionally functional title insurance company works with an expert and experienced team of agents that can go out of the way to facilitate the clients in their property transactions. The company must be working with experienced attorneys and expert agents to offer acute customer satisfaction. Jones Raulston Title Insurance Company is one reliable and professional company striving to provide best title insurance policies to the clients under the supervised individual attention of the expert attorneys and agents.

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    Competitive pricing and payment schemes

    Now the pricing and payment schemes for lender’s policy, home owner’s policy or extended owner’s policy can be varying. The professional companies offer competitive pricing and payment schemes to the clients. Usually the home owner’s policy includes a monthly premium but in other types only a startup fees is being charged by the company.

  • Insurance

    Dealing with High-Risk Driver Classification

    Insurance companies classify drivers into two categories: low risk and high-risk drivers. Classification process involves many variables for examples driving record, age, type of cars you drive, and credit history. When all variables meet the insurer’s requirements, the driver falls into thelow-risk category. This is the ideal customer for theinsurancecompany because the driver has low to none possibility of filing claims. The customer always pays on time, while the insurer does not have to worry about providing big payout. If at least one of the above variables fails to meet the minimum requirement, chances are the driver gets ahigh-risk classification. Most insurers are reluctant to provide coverage for high-riskdrivers because such customers are risky from the perspective of business. High-risk drivers have to get coverage from thenon-standard market, and Good to Go Auto Insurance is of few companies that specialize on this.


    For those who have never heard about Good2Go Insurance, it is a subsidiary of American Independent Companies, Inc. Unlike most insurers, the company is in thenon-standard market to provide insurance coverage for high-risk drivers. Types of coverage for high-risk drivers are similar to those for their low-risk counterparts. The only significant difference is the price. Because there is high possibility that high-risk drivers file claims, they have to pay more for the same financial protection. High-risk driver classification does not stay forever. You can revoke the classification with various methods by your state’s regulations.

    Fair trade-off

    Every high-risk driver has difficulties in acquiring insurance coverage from the standard market, or any company that does not provide coverage for high-risk drivers. The application process to get coverage from such company is a bit complicated. It involves many considerations with strict rules for eligibility. The standard market is for low-risk drivers or those with near perfect driving record and credit history. The drivers must be in ideal age too (not too young or too old for driving).

    Insurance companies that specialize in thenon-standardmarkets, such as Good2Go Auto Insurance, have more flexible approval procedures. Personal data including previous involvement in road accidents, DUI, age, and credit history have low relevancy in the approval process. However, thenon-standard market has non-standard price as well. The coverage will be more expensive, but it is a fair trade-off for easysupport.In a country or state where carrying valid proof of auto insurance is mandatory during driving, owning non-standard insurance is better than not having insurance at all. Failure to show valid proof of insurance will cause further issues. In some cases, the consequences can be in theform of fines or driver license suspension.

    How do you get into high-risk classification?

    It is hard to be an ideal customer of any auto insurance company, even for the first-time buyers in which case, the drivings recordsare non-existent.According to Good2Go Insurance, some of the most common reasons for high-risk classification are:

    • Teen and senior drivers: teen drivers do not have enough experience to understand how to avoid accidents while senior drivers may have problems with visibility.
    • Poor credit history: drivers with poor credit history may skip premium fee payment
    • DUI: one of major traffic violations
    • Serious accident: previous involvement in serious accidents where someone got severe injury or died
    • Expensive cars: sports cars, antique cars, and collectible cars are costly to repair, so the drivers need to pay more for coverage
    • No prior insurance:the first-time buyer with no prior insurance can be high-risk customer

    Non-standard market insurer like Good2Go Insurance does not use such variables to determine approval. The application process is simple requiring only basic personal data including name and address. Good to Go Auto Insurance even allows buyers to ask for quotes via online to get premium fee estimation.

    Reducing the cost of premium

    Many high-risk drivers choose to purchase only the minimum auto insurance requirement to lessen the cost of thepremium fee. The minimum coverage in most states includes Bodily Injury and Property Damage, but the rules are different from state to state. Good to Go Auto Insurance is working with a network of underwriting companies to cover most states in the country. The best thing about this method is that the company can make sure that the coverage always complies with the state’s regulations regardless of where the customers live.

    Purchasing the minimum coverage is enough to create a legal proof of insurance, but the financial protection on the road is also less than ideal. Good to Go Auto Insurance provides at least two optional coverage including Collision and Comprehensive. Of course, additional coverage means more expense. However, the protection from those two optional purchases covers many things, for examples, damages due to road accidents or collision and damages from non-collision causes such as falling objects and vandalism.

    The best way to reduce premium is to make use of discounts. Many insurance companies offer discounts with not complicated eligibility requirements. For example, Good to Go Auto Insurance offers Vehicle Discount of which the requirement is to install safety devices in avehicle such as text-blocking device, anti-theft, VIN Etching, airbag, and passive restraint. The total saving can reach up to 15% off the premium. Good to Go Auto Insurance also has two more discount categories including Driver Discount and Policy Discount to reduce the premium further. Eligibility and total savings can be different from state to state, but you can check for more information on the company’s official website.