Income Replacement Benefit Vs. Non-Earner Benefit: Things You Should Know

While no person thinks about accidents while buying a car, most of them cannot shake the chances of an accident every time they sit behind the wheel. That is one of the reasons why most of the car insurance companies offer benefits for the victims of the accidents.

Personal Injury Lawyer

Now, if you are in such a vehicle accident, the accident benefits insurer will offer you with a couple of different options. A personal injury lawyer explains the difference between the most common options, the income replacement benefits (IRB) and the Non-Earner Benefit (NEB) in the following section of this article. Keep on reading if you want to know which one you should choose after the accident.

Income Replacement Benefit

More often than not, the car accident injury compels the victims to take some time off work to recover. This causes a substantial loss of income. The IRB is there to offer compensation to the accident victims for their loss of income. However, the victim would need to meet certain requirements to become qualified for this opportunity.

The statutory Accident Benefits Schedule depicts that you are eligible for the benefit, if:

  • You were not employed, however, were 16 years old and excused from the school during the accident.
  • Employed during the time of the accident but have not been able to go back to the school due to the injuries.
  • You were unemployed during the accident but have a record of working for 26 weeks in the past 52 weeks.
  • Were availing employment insurance at the time of the accident.

A personal injury lawyer points out that the victim would not get any benefits right after the accident. The insurance company will offer IRB within 104 weeks if you are unable to perform your essential duties due to the injury. After 104, the insurance company will continue to pay the IRB if you suffer from a complete inability to engage in any employment.

Personal Injury Lawyer

Non-Earner Benefit

Even if you do not qualify for the IRB, you can still apply for the non-earner benefit. However, just like the IRB, you have to fulfil certain criteria to get the benefit. Here are the requirements that you need to fulfil to get the perk.

  • You should suffer from a complete inability to carry on a normal life.
  • You were a full-time student at the post-secondary or secondary level during the accident.
  • You were unemployed and a recent graduate at the time of the accident.

For the accidents that happened after 1st June, 2016, the victim is eligible to get paid $185 per week once the waiting period of four week finishes. That means the victim has to wait for that four weeks period from the date of the accident to get this benefit. You can avail of this compensation for two years maximum after the accident.

There is no doubt that it is hard for anyone to apply for any of the above types of benefits. Only a personal injury lawyer has enough experience to make the application process easier than it is. So, if you are a victim of a car accident and are thinking about applying for the benefits, it is better if you get in touch with a lawyer first. 

What To Expect From A Lawyer While Reporting Sexual Assault To Law Enforcement In Toronto?

Sexual assault in themselves is a horrifying experience for the victims. More often than not, the victims find it hard to explain the incident to other persons. When they do tell, sometimes their family and friends refuse to believe their stories. That is one of the reasons why most of the sexual assault case goes unreported.

Toronto sexual assault lawyer

To demystify the entire process, the Toronto sexual assault lawyers explained everything associated with a sexual assault case in the following section of this article. Read on to know to have an idea about the steps a victim has to take if he or she wants to report the assault.

Steps The Survivors Can Take

As most of the survivors do not have any idea about the laws and society, almost every one of them blames themselves for the assault. The shame that police interrogation brings on them does not make things easier as well.

While deciding whether or not to report the case is an entirely personal decision, knowing the exact steps might make this process a bit less intimidating to the survivors.

Rape Kit

Following a rape, the first steps the victims can take towards justice is to get a sexual assault medical forensic exam, which is commonly known as the rape kit. As no one ever prepares themselves about taking this examination, most of the victims find themselves uncertain and at a loss while having the tests.

There is no doubt that the examination process is difficult and brings up bad memories. However, the Toronto sexual assault lawyer thinks that knowing exactly what a person will be experiencing during the examination process, it would be easier for the survivor.

Toronto sexual assault lawyer

The survivors should also know that every hospital does not have the trained staff who can perform the sexual assault medical forensic examination. That’s why getting in touch with an experienced lawyer might get benefits for the visitors. It is difficult for survivors to advocate for themselves after the traumatic experience. The lawyers, on the other hand, have enough experience to guide the survivors in the right direction.

Why Those At Risks Don’t Report?

The #MeToo movement has revealed how deep the roots of this problem are. However, the studies showed that the victims who are more at risk, do not report the assaults as often. Even though the women of colour are assaulted more than white women, it is the white women who have reported almost 80% of the assault cases. Systematic racism plays one of the major roles in this problem.

While problems like systematic racism cannot get solved overnight, the simple move to make sure that all survivors have access to the information and resources they deserve can improve the number of sexual assault report charges.

The government, as well as society, have to work together to reduce the shaming and blaming culture that makes these survivors think that nobody would believe their stories. While reporting the assault to the law enforcement is no doubt a big step, the survivors require the help of the Toronto sexual assault lawyer after it. As the lawyers know the legal procedure inside and out, they can guide the victim through the events and help them to get justice

Cannabis Oil Can Turn Your Life Around, Here’s Why

There is nothing worse than pre-performance jitters and anxiety that hold you back from doing your best whenever possible. While this is typically the case for many people around the world- it really shouldn’t be.

People deserve to showcase their maximum potential when the time calls for it, and yet- most people continue to experience anxiety that decelerates their performance. It has been reported that even athletes with years of experience go through a similar moment of nerves before their races.

cannabis oil for anxiety

This makes us wonder- there sure has to be a solution- a way to get rid of these nerves and enable one to stay composed and focused despite anxiety-inducing situations? What could it be?

If you’re on the same page, it’s time that you learn about something called Cannabidiol or CBD. When used efficiently, you’ll find that Cannabidiol exceeds reputation in soothing and relaxing your body and mind. That brings us to ask- what even is it?

Cannabidiol, also known as CBD, is a compound that is extracted from hemp plants. Cannabidiol is said to have powerful components that have a relaxing effect on body stress and tension. It serves as cannabis oil for anxiety, depression, acne, and other heart diseases.


While the therapeutic potential of cannabis oil for anxiety has not been fully studied or uncovered, it has been substantiated by scientists that CBD does have a counteractive effect when it comes to high levels of stress and anxiety.

The explanation behind cannabis oil for anxiety is that it interacts with a biological system called the endocannabinoid system(or ECS) in our body. The ECS, in turn, is responsible for maintaining the homeostasis in our body.

cannabis oil for anxiety

Thus, when CBD works with ECS, it has a direct consequence on our body and helps in warding off diseases and other conditions. Thus, when taken as a supplement, cannabis oil for anxiety can help without physical and mental well-being.

Some major health beneficial effects of cannabis oil include:


Let’s say you have a big event coming up- like a race, or a speech- it’s natural to feel nervous. Sometimes, your anxiety may even go over the top to make sure you’re downright terrified. In such a situation where your forthcoming performance may go wrong- taking CBD might be the right decision.

It has been made evident by many users that CBD elicits the opposite reaction from your body. Yes, this means no more pre-race jitters or nerves.

If you suffer from regular bouts of anxiety, you can even include cannabis oil as a part of your daily routine!

Many users have done the same and reported a significant increase in life quality. Besides, Cannabidiol is a completely natural and non-toxic substance. It can be easily merged with your diet and routine without negative consequences.

cannabis oil for anxiety


A typically counterproductive reaction to anxiety is the complete reluctance of your body to sleep. Despite a tiring day, anxiety can easily prevent your body from getting the rest it deserves. Ultimately, this pattern collectively affects your life in the worst ways. Solution? Cannabidiol.

Cannabidiol is a natural sleep stimulating agent. Many researches have shown that it reduces and keeps your stress levels in check so that you always get a good night’s rest before a long day.


A standard level of focus- at any moment of our life- is hard to achieve in itself. When this aspect is combined with anxiety- staying concentrated is practically an impossible task. However, with cannabis oil for anxiety, you can retain a calm and composed state of mind.

CBD directly attacks your nerves and lightens the pressure by offering your mind relief. In turn, this helps to focus on the task at hand.

We all have moments of nervousness and anxiety in your lives. However, when such moments are completely taking over your drive and motivation, resulting in underperformance- it is time you take certain measures to protect yourself.

With cannabidiol or CBD, you’ll be surprised to see just how far your potential goes when anxiety is not getting in the way. By creating a cycle of relaxation and focus, cannabis oil will have your life doing a 180. So, do yourself a favor, and indulge in some stimulating cannabis oil.

Forensic Engineering – Things You Need to Know

Whenever you watch any crime-based movies or serials and series, you find it thrilling how a criminal commits murder and how tactfully the detective or the police catch it from the clues the criminal leaves behind. The reality is not that easy and dramatic. There are lots of aspects in finding the murderers or the criminals that the movies or the series don’t cover. The forensic field is one of such fields that may not get filmy treatment, but one of the major aspects in catching the criminals. If you want to know more about Forensic Engineering in Canada, you can pay heed to these following questions and the answers of those.

forensic engineering in canada

  1. What Is the Definition of Forensic Engineering?

As per the definition, given by the National Academy of Forensic Engineers, it is the ‘application of the art and science of engineering in matters which are in, or may relate to, the jurisprudence system, inclusive of alternative dispute resolution.”

  1. What Are the Criteria of Being a Forensic Engineer?

Being a forensic engineer requires patience as it is a long process. First, a student needs to get a degree in engineering and also earn the license of being an engineer in a particular state. Then, you need to work as an engineer to gain experience and finally, you get the certification of a professional engineer.

  1. What Are the Challenges You May Face As Forensic Engineer?

The job of a forensic engineer is challenging as they face lots of hindrances while performing their tasks. Every case is different, so there is no steadfast rule of working. Besides that, a forensic engineer also needs to visit the site of crime and interview people who are associated with it. Overall, he must have an idea about litigated matters, which means understanding the evidence, processes of presenting those in the court and also thorough documentation of the entire investigation process.

forensic engineering in canada

  1. How to Start a Forensic Engineering Investigation?

Usually, the forensic investigation starts with a broader aspect and as one gets more clues, the investigation becomes narrower. No matter what crime has been done, a forensic engineer has to investigate thoroughly to get to the root of the crime. The entire process of investigation should be systematic.

  1. For Whom a Forensic Engineer Works for?

If one is a crime lab analyst, they work for the state or the law enforcement agency. But, forensic engineers are independent. They may be hired by law enforcement agencies to help them solve any case. They may be summoned to the court as a witness and also as the explanatory individuals about their findings of the case. Attorneys also consult them to know their views on the crime and ask about questions to be put in front of the court.

forensic engineering in canada

  1. How Does Polymer Solutions Help in Forensic Engineering Investigation?

Polymer Solutions is an expert in material analysis and it works as an independent analytical laboratory. It provides on-site facilities, like testing equipment, evidence housing, high-resolution cameras, etc. Besides that, Polymer Solution also has expertise in understanding the litigated matters for years.

So, forensic engineering is required for any type of crime conducted at certain places, from murders to the collapse of a building. In every case, forensic engineering is important now and it plays a huge role in solving cases.

Medical exam for permanent residents

Medical exam to acquire your permanent resident residency status is a necessary requirement in order to successfully file for your application. Medical exams should always be a part of everyone routine to ensure their body is in fine working condition. In case of permanent residency medical exam, exams need to be performed by CIC doctors only.

cic doctor

Who can do your exam?

A normal physician, family physician or your neighbor local doctor who doesn’t fall under the CIC panel list is not eligible to perform the exam. Any exam done by that doctor will not be considered for your permanent residency exam and your application will not move forward. Bear in mind one thing – Medical Exam is the first thing that needs to be cleared in order for your application to proceed. Hence it is necessary to get it done the first time with the right CIC doctor!


What will the CIC doctor / panel physician do?

Your CIC medical doctor will do a complete medical exam that includes chest x-rays, urine tests, blood tests and general checkup. Once your medical exam is done, the physician will send the results to the CIC.

Your results will not be discussed with you. As stated earlier, your results will be sent directly. Once your results are sent to the CIC, all you have to wait! The CIC doctor does not make the final decision about your medical test. The Canadian government makes that decision. Once your results are submitted and sent, and if there any problem with the medical exam results that your CIC doctor submitted, CIC will directly write to you.cic doctors

Fees for the exams

The fees to perform this medical exam vary from physician to physician.  Your fees will generally be including all. The three tests mentioned above. In some cases, you may have to go to different faculty to get your blood test and chest x-rays done. The average fees to perform the exam would be between $250-320.

Validity of the exam

Your medical exam results are only valid for one year or 12 months from the day you give it. If your application is not processed during that time or you fail to file in your application during that time frame, then you would be required to the text again.


Advice to applicants

If you have any medical history, please discuss it with the panel physician to avoid any delays. Also make sure to take proper identification documents and necessary paper work to avoid any other delays.

Find the best CIC doctor by researching online and book your appointment in due time. All the best for tour medical exam!