Injuries are deemed catastrophic when they involve severe, devastating loss of functioning that is life-altering. Included in the definition of “catastrophic impairment” are injuries that result in paraplegia or quadriplegia, amputation or other impairment causing total and permanent loss of use of both arms or total and permanent loss of both an arm and leg or both legs, total loss of vision, certain brain injuries, spinal cord injury, severe burns, and significant or extreme mental, neurological and behavioural disorders. If an impairment is catastrophic the amount of medical, rehabilitation and attendant care benefits available to you changes significantly. Once your condition has stabilized or two years have passed since the accident, you may apply to your insurance company for a determination that the impairment is, in fact, “catastrophic”.
If, after medical experts have deemed your injury a catastrophic impairment, the Insurance Act entitles you to a much higher level of medical rehabilitation benefits and attendant care benefits (a maximum of $1,000,000 for medical and rehabilitation benefits and $1,000,000 for attendant care benefits). These benefits are payable over your entire lifetime.
If a catastrophic injury was caused by the negligent or intentional act of another, a personal injury claim on behalf of the victim will be critical to the quality of life in that person’s entire lifetime. Medical, rehabilitative, psychological support in aid of the victim’s functioning in the best-case scenario has huge financial implications and stresses. A personal injury advocate works for the injured to secure the most inclusive determination of the value of such a claim. The personal injury lawyer is well aware of the long-term implications of many catastrophic injuries in that the full impact of the injury may appear even more significantly as the person ages, and takes that into consideration in advocating for the long-term welfare of his client.
If you or your loved has sadly suffered this severity of impairment, your personal injury lawyer can assist you in procuring the full scope of benefits to which you are entitled and make available full resources to help you for your lifetime.
We, at Ephraim Michael Law, are available to respond to your inquiries and concerns and will do so with utmost sensitivity and thoroughness backed by experience and expertise.