{"id":3016,"date":"2018-12-11T09:00:28","date_gmt":"2018-12-11T14:00:28","guid":{"rendered":"http:\/\/stage.tbkdev.com\/dev\/davismartindale.com\/src\/?p=3016"},"modified":"2020-06-15T12:36:44","modified_gmt":"2020-06-15T16:36:44","slug":"importance-of-knowing-what-to-do-with-ei-benefits-for-irb-purposes","status":"publish","type":"post","link":"https:\/\/stage.tbkdev.com\/dev\/davismartindale.com\/src\/importance-of-knowing-what-to-do-with-ei-benefits-for-irb-purposes\/","title":{"rendered":"The importance of knowing what to do with EI benefits for IRB purposes"},"content":{"rendered":"

[vc_row][vc_column][basic_container container_size=”container container-narrow” bg_overlay=”overlay-light”][vc_column_text]In the LAT decision released July 18, 2018, C.M. and Aviva General Insurance (17-005910\/AABS), the Applicant received a special award in the amount of 50% of the total IRB amount in dispute, in addition to the IRB benefits already received due to amounts being unreasonably withheld from the Applicant.<\/p>\n

From June to November 2015, the Applicant was employed as a labourer for a construction company.\u00a0 Commencing November 2015, the Applicant was laid off from work due to the seasonality of the industry.\u00a0 As such, the Applicant began receiving regular employment insurance benefits.\u00a0 Accordingly, at the date of the accident (i.e. February 11, 2016), the Applicant was receiving employment insurance benefits and continued to receive these benefits until June 5, 2016.<\/p>\n

From February 18 to June 10, 2016, Aviva paid an IRB to the Applicant, however at an incorrect weekly amount.\u00a0 Aviva deducted the employment insurance benefits received when calculating the Applicant\u2019s weekly IRB.\u00a0 The applicant disputed this approach to calculating the IRBs, however, on May 13, 2016, Aviva sent correspondence to the Applicant stating they had correctly calculated the IRB considering Section 7(1), (3) and 4(1) of the SABS.<\/p>\n

Section 7 of the SABS allows an insurer to deduct certain amounts from an IRB.\u00a0 However, Section 4(1) (a)(i) of the SABS specifically excludes deducting post-accident employment insurance benefits from an IRB.\u00a0 It was not until the Applicant was no longer receiving employment insurance benefits that their IRB was adjusted by Aviva, however only on a go forward basis and not for the disputed period of February 18 to June 10, 2016.<\/p>\n

Aviva agreed to pay the correct weekly IRB amount for the period February 18 to June 10, 2016 only once the Tribunal application had been filed. While Aviva corrected the weekly IRB amount, the Applicant argued that there was an unreasonable delay that warranted a special award.<\/p>\n

The Tribunal agreed with the Applicant and awarded an amount to be 50% of the disputed amount for the period February 18 to June 10, 2016.\u00a0\u00a0 Aviva conceded they misinterpreted the SABS and made a mistake, however no explanation was offered why it took so long to correct the mistake.<\/p>\n

Read the decision in full detail here:<\/h4>\n

17-005910 v Aviva General Insurance<\/em><\/a>[\/vc_column_text][\/basic_container][\/vc_column][\/vc_row][vc_row][vc_column][basic_container]

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\r\n\t\t\t\t\t\t\tMay 28, 2020\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t

A growing trend has emerged recently as it relates to individuals making a claim for income replacement benefits (\u201cIRBs\u201d). \u00a0More frequently than ever, insured\u2019s seem ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t

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For self-employed individuals seeking to claim an income replacement benefit (\u201cIRB\u201d), the calculation of their pre-accident gross weekly income is not always straightforward.\u00a0 Two recent ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t

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\r\n\t\t\t\t\t\t\tMarch 19, 2020\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\r\n\t\t\t\t\t

In the LAT decision released on January 13, 2020, T.A.K. v Aviva General Insurance Company (18-008232\/AABS), the Adjudicator provides interpretation for the Section 8(1) adjustment ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\r\n\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tContact Us\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t \t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"In the LAT decision released on January 13, 2020, T.A.K. v Aviva General Insurance Company (18-008232\/AABS), the Adjudicator provides interpretation for the Section 8(1) adjustment in the SABS. The Applicant was injured in a motor vehicle accident on December 10, 2016. Prior to the accident, both parties agreed the Applicant was employed earning $19,847.96 during [...]","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-3016","post","type-post","status-publish","format-standard","hentry","category-insurance-claim-and-litigation-updates"],"acf":[],"yoast_head":"\nThe importance of knowing what to do with EI benefits for IRB purposes - Davis Martindale<\/title>\n<meta name=\"description\" content=\"Decision Summary: applicant received special award of 50% of the total IRB amount in dispute as the insurer improperly deducted post-accident EI benefits.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The importance of knowing what to do with EI benefits for IRB purposes - 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