/WIlliam A. McMaster

About WIlliam A. McMaster

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So far WIlliam A. McMaster has created 4 blog entries.

What happens when you get a basement flood?

The weather has been in the news a lot lately. In July, 2013 in Toronto and in surrounding areas there was record rain which was beyond the capacity of the storm water management systems in many areas, resulting in surface and basement flooding and extensive damage, causing millions of dollars in insurance claims. What are your rights as a homeowner if one of these events affects you? Firstly, you should make sure you have insurance that covers you for sewage “backups” into your residence. Tearing out and rebuilding a finished [...]

By | 2014-01-21T18:10:51+00:00 January 21st, 2014|Blog, Insurance Claims|0 Comments

Booking foreign travel? Make sure you have adequate medical coverage….

Travellers to international destinations should be aware of a recent series of court decisions that may limit their ability to sue when they are injured away from Ontario. In Haufler v. Hotel Riu, a child from Ontario on vacation in Mexico with her family was injured while operating an ATV on an excursion in 2006. They had purchased their vacation from Sunquest Vacations and had never dealt with the Hotel directly, although they did pay the excursion operator when it was purchased in the Hotel lobby (the Hotel denied having [...]

Health Questionnaires and “Contestability”: Could Your Policy Be at Risk?

Most private, group life and disability insurance companies require anyone applying for coverage to complete a “Health Questionnaire”.  These are usually “yes or no” questions asking whether you have ever smoked, taken drugs or been diagnosed with one of several conditions such as heart or respiratory diseases, diabetes, cancer, etc.  They are very general questions. The purpose of these questions is to allow the insurer to decide, along with other factors such as your age and gender, whether to insure you, or what premiums to charge.  (Sometimes an insurer will [...]

By | 2013-08-23T12:41:32+00:00 August 23rd, 2013|General|0 Comments

Canada Pension Plan Disability Benefit

Many people overlook the availability of the Canada Pension Plan Disability (CPPD) benefit. If you are permanently disabled from working at any reasonably suitable job, from any cause, the benefit, which is based on one’s contributions to CPP over the years, is payable to age 65. The maximum benefit is significant: over $1,000.00 per month. Lawyers usually apply for it when assisting their totally disabled clients obtain awards in other cases such as car accidents and LTD claims. Applications can be handled by an individual, although the application should be [...]

By | 2012-07-04T17:40:39+00:00 July 4th, 2012|General|0 Comments