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Tim Canterbury

I had a car accident in Brampton last year and I trusted Kalsi Law to get me the compensation I looked for. They took care of me and guided me throughout the legal process. They gave me realistic expectations and got the outcome they predicted. I highly appreciate the work they put into my case and the professionalism with which they handled it. I would highly recommend this business.

Nicole Claude

I highly recommend this Personal Injury lawyers. They are an outstanding firm! who thrive in success and care about their clients. They did an amazing job working on my case. They would provide daily updates and make this a smooth process. If you seek a firm that shows professionalism, quality & trust, Kalsi & Associates is it! Thank you!

Martin Hamilton

I had a stress free and efficient experience with Kalsi & Associates. This was my first experience with a personal injury lawyer in Mississauga. The attorneys were friendly and showed genuine concern about my injuries. A few months down the line I got a decent settlement. Great job! I recommend them without any reservation

Lewis Ward

I’ve had a very delightful experience with this firm. They took my case seriously and handled all my concerns. At the end we won and I was compensated adequately. I would highly recommend their office to anyone that has personal injury case in Mississauga. I’m more than pleased

Long-Term Disability Claims Before and During the COVID-19 Pandemic

Long-Term Disability Claims Before and During the COVID-19 Pandemic

It has been over six months since the COVID-19 pandemic broke out. The novel virus’ effect is noticeable; politically, socially, and especially economically. The effects seem to have caught across every industry without an exemption.

The effects are prevalent, and the statistics below are a glimpse of some of the noticeable effects:

  • More than 51 million adults belonging to the working class in North America do not have a disability insurance plan.
  • Just 48% of this same population bracket can boast of sufficient savings to cater for their day to day expenses without additional income in the space of three months.
  • Among the present-day 20-year-olds, more than a quarter can expect a disability that will hinder them from working for at least one year even before the regular retirement age.
  • About 6% of North Americans in the working class will have a short-term disability due to pregnancies, injuries, or illnesses.

What these statistics show us that the COVID-19 pandemic rattled the world and the few of you that were not caught off-guard might find it challenging to pursue your long-term disability claims if the case arises.

What Are Long Term Disability Claims?

Long term disability claims are the benefits provided to cover up for inevitable unforeseen health mishaps. These health mishaps imply any disability that is severe enough to hinder you from going through with your daily activities or job. These health conditions are not limited to only physical conditions. A case of psychological disability may also be considered if it is serious enough to halt your job performance.

In such cases, there is a gulf left on the finances of the person affected. This is where long term disability claims come in to salvage the situation. To be entitled to a disability claim, you must have long-term disability insurance in place before now. Not just that, you need the services of competent long-term disability lawyers and injury lawyers to access your benefits.

This is as the process of recovering these disability benefits can be technical and tedious. In such a case, only competent disability lawyers or injury lawyers can help you claim the benefits void of any error.

Long Term Disability Claims During The COVID-19 Pandemic

Going through the process of disability claims in the past has always been an enduring process due to the technicality it requires, and in addition, certain risks are involved. The process has now become an arduous task as this part of life has not been left unaffected by the global pandemic.

From the feeling of being without a job to the sense of a relative being affected, as well as the effect of the lockdown restrictions on everyone, there has been a rise in cases of disabilities. More psychological and mental health conditions to deal with, not leaving out physical effects as well. There is a rise in cases of disabilities, both long term, and short term.

These reasons and more are responsible for the more tasking nature of the process of long-term disability claims. And more reason you need the services of disability lawyers. Kalsi & Associates serving in Mississauga and Brampton as disability lawyers have a proven track record of competence, making them the fit for such a situation. With locations across Greater Toronto Area and Ontario, Kalsi & Associates are one call away.

At Kalsi & Associates, a FREE consultation is provided, whether or not you choose to have them by your side for your personal injury inquiries.

Call Kalsi & Associates(844) 905-2993 or apply online

How Common Are Brain Injuries & What To Consider

At Kalsi & Associates Toronto Personal Injury Lawyers have an extensive experience when dealing with Brain injury.

Source: Brain Injury Association Sudbury & District  states, "In Ontario, 44 people sustain a brain injury EVERY DAY."

Motor vehicle accident is the leading cause of brain injury in Canada with over 45% of cases of brain injury are caused by accidents on the road. Amongst other causes of brain injury are listed below according the statistics of Canada:

The leading causes of brain injury are as follows:

  • Motor Vehicle accidents (45%)
  • Slips and falls (10%)
  • Bicycle accidents (10%)
  • Injuries in the workplace (10%)
  • Sports, activities, or physical altercations/assault (10%)
  • Medical Conditions (10%)
  • Poison or toxins (5%)

When it happens, as brain injuries are more serious than other accidental injuries. For more information on brain injury and related to this topic, be sure to read the following articles on Kalsi & Associates website:


As per the Brain Injury Association of Canada (BIAC) states that about “1.5 million people in Canada are living with a brain injury.” Often these are extremely serious and debilitating so being prepared early with the right questions about your coverage and claims in the first step after your injury.

Each year just in Ontario alone, “ between 1600 & 2500 people are left with physical, intellectual or behavioural consequences severe enough to interfere with their activities of daily living." This kind of injury you need an injury lawyer, Kalsi & Associates are leading lawyers when it comes to providing legal guidance relating to brain injury.

Such injury claims need extra dedication to ensure you get what you deserve and are assisted when it's most crucial.

At Kalsi & Associates, understanding pain and seriousness of injury is the first response of professional lawyers and associate staff members when handling brain injury. Contact Kalsi & Associates for Free Consultation, for no question is too small or too big, consult FREE at 1 (844) 905-2993 or apply for a consultation online .


“We are here to support you. We care for every one of our clients. Count on us to
give the utmost importance to each case and be there every step of the way.”

Kalsi & Associates Announces Free Consultation for Personal Injury Claims in Ontario

Personal injuries can be debilitating when caused by the negligence of a third-party, you feel anger, frustration, and sometimes, even helplessness. Sometimes, a personal injury may cause a disruption to your job, resulting in temporary loss of income.

Serving Ontario based Kalsi & Associates with many locations is proud to announce that their injury lawyers stand by and defend your case in matters of personal injury caused due to negligence. The injury lawyers in Brampton have decades of experience in ensuring that every claim related to personal injury gets the attention and compensation it deserves.

At Kalsi & Associates lawyer assist you with claims related to motor vehicle accidents, short-term or long-term disability benefits, and slip and fall incidents. They have serviced clients across Ontario with a goal to get the injured the compensation he/she deserves. Kalsi & Associates  has become a household name when it comes to personal injury in Ontario for their extraordinary legal support for customers.

In alignment to the Statutory Accident Benefits (SAB) Schedule, the injury lawyers at Kalsi & Associates work with you on getting any or all of the following benefits:

● Income Replacement Benefits (IRB)
● Medical and Rehabilitation
● Non-Earner Benefits
● Attendant Care Benefits
● Caregiver Benefits

Do not hesitate to contact Kalsi & Associates at 1 (844) 905-2993 or apply for a consultation online. The Toronto disability lawyers, personal injury lawyers; Kalsi & Associates are prepared and ready to help.

Personal injuries can be catastrophic. There is uncertainty about the future, and the road to recovery seems long. Utilise the services of personal injury lawyers at Kalsi & Associates to ensure you get the compensation you are entitled to.

When Disability Impacts Income

Catastrophes and accidents are common in our day to day lives. Canada government Statistics show that 20% of Canadians aged 15 years and above have had at least one disability in 2017. At least 20% of male Canadians and 24% of female Canadians have had at least one disability.

The Trauma of Disability While Employed

An accident or personal injury that results in temporary or permanent disability can be life changing. In addition to the pain and trauma associated with the event, the income stream suddenly stops. With a vast majority of the workforce living on monthly salaries, a disability can cause tremendous financial stress.

What Is Disability insurance?

Disability insurance gives an individual the option to continue receiving a portion of their income if they get disabled while in a job. Disability insurance could be a part of the employment terms. An individual can also buy a disability insurance policy from third-party providers.

In the case of temporary or permanent disability, the individual could work with a disability claim lawyer to ensure he or she gets the maximum benefit out of the claim.

What is the Duration of Disability Insurance?

Disability insurance can protect a person until they are healthy again or as long as the coverage is applicable. Some disability insurance packages even offer coverage until an individual reaches retirement.

In the event that an individual need to claim long-term disability benefits, it is advisable that they approach a long-term disability lawyer. Some insurance companies are particularly stringent when it comes to long-term disability claims, and a lawyer can help ensure the individual gets suitable disability benefits.

If you’re caught in an accident or you have been injured and are in need of legal help, do not hesitate to call Kalsi & Associates for free consultation or legal advice related to injury, disability, or slip and fall in Ontario at 1-(844) 905-2993 or apply for a consultation online. The Toronto disability lawyers, personal injury lawyers; Kalsi & Associates are prepared and ready to help.

Could an increase in accidents in the Greater Toronto Area spur insurance hikes?

 Poor weather conditions and bad driving are responsible for a slew of motor vehicle accidents in the Greater Toronto Area over the past week.  This is according to various tweets from the OPP Highway Safety Division.

 Higher Insurance Premiums

According to Bobbi Kalsi,  (LL.B., MBA), of Kalsi and Associates, an increase in accidents could drive already high Ontario insurance premiums even higher.  

The FDA approved its fourth consecutive rate increase of 1.56% in December 2019 based on claim costs, market conditions and other factors. So, while this represents the average rate across Ontario, premiums can vary greatly across individual insurers and depending on where you live. Areas that experience a high number of cars on the road will experience higher premiums since this increases the odds of an accident occurring. There is an ever-increasing number of cars on the road every year in the Greater Toronto Area so naturally, this may also be influencing insurance premiums.

Drivers in Brampton, for example, pay the costliest insurance in Ontario according to the Toronto Sun. Mississauga also ranks high but there are some areas of Mississauga where premiums are considerably lower.

Insurance rates are based on actuarial evidence which is affected by a number of factors including the number of cars and also the overall number of accidents. The same evidence is used to rate drivers based on age and sex demographics. Males under 25 are statistically more likely to have more accidents and therefore pay a higher insurance premium even if they’ve never had an accident before.

Personal collisions can also result in an increased accident premium. Even if you are not at fault in an accident, you may find your premiums increase.

 No-fault insurance

But what about Ontario’s no-fault insurance? No-fault insurance doesn’t mean that nobody is found at fault. It simply means each driver deals with their own insurance company regardless of who is at fault. An “at-fault” accident will affect your premiums for a period that is determined by the nature of the accident and where you live. You can apply for accident forgiveness, however, in order to prevent the increase in your premiums. Motor vehicle accident lawyer or personal injury lawyer can offer counsel on this and other motor accident issues to ensure you receive the maximum compensation you are entitled and are not unfairly penalized.

For more information about catastrophic injury litigation please call Kalsi & Associates at 1(844) 905-2993.