Personal Injury Lawyers in Mississauga, Greater Toronto Area


  • A car accident can have a detrimental effect on your daily life.
  • JSM Law can help you access the benefits you are entitled to, help you deal with the paperwork and provide you with access to information.
  • We will deal with the insurance company to negotiate a settlement on your behalf.


  • If you have been struck by a vehicle while riding your bicycle, trust JSM Law to investigate the circumstances and represent you, keeping your best interests in mind.
  • Even if you do not own an insurance policy, JSM Law can help you access medical benefits and advocate on your behalf.


  • Being struck by a vehicle when crossing the street can be traumatizing and can limit you from performing your daily activities.
  • Many pedestrians do not have an auto insurance policy, however, JSM Law can help you access benefits through the insurance company of the vehicle that struck you.
  • JSM Law will help you access physiotherapy treatment, massage therapy, chiropractic treatment and other forms of physical therapy that you will need following an accident.


  • If as a result of an accident, a death occurs, we can assist with helping you access payments to survivors of a person who is deceased up to $25,000
  • You may also receive payment of funeral expenses up to $6000


  • If you are unable to work due to a slip and fall or unable to carry out your daily activities, JSM Law can assist you with accessing compensation. We can help you connect with medical practitioners that will help with your rehabilitation needs. We will investigate the circumstances that led to your slip and fall.
  • If because of someone’s negligence, you suffered a slip and fall, JSM Law will be there to represent you and advocate on your behalf.


  • If you are involved in a car accident and your injuries are considered “Catastrophic”, you will have access to $1 Million of Medical Rehabilitation Benefits over your lifetime.
  • Catastrophic injuries are life-altering injuries that can affect a person physically and emotionally.
  • JSM Law is committed to getting positive results and maximizing your compensation.


  • A broken bone means years of therapy and a need for rehabilitation assistance.
  • JSM Law can help you through a difficult time to access the legal and medical needs that you will require.


  • Life is full of unexpected turns. If you have been bitten by a dog, you have a right to be compensated due to the owner’s negligence.
  • Let JSM Law deal with the hassle of accessing compensation on your behalf.


Being involved in an accident can disrupt your life in many ways. JSM Law can help you access the various benefits available, depending on your situation.


The Statutory Accident Benefits Schedule in Ontario provides financial support to those who cannot work due to injuries suffered in a car accident. This aid comes in the form of income replacement benefits as part of your settlement.

Income replacement benefits are offered to those whose injuries from the accident prevent them from working or from working at the same level as before the accident. This could be due to physical or emotional issues, like severe back pain or post-traumatic stress disorder.

To qualify for Income Replacement Benefits in Ontario, you need to meet certain conditions, including being severely injured to the extent that you cannot work as you did prior to the accident. If you do not meet all the conditions, you might still be eligible for non-earner benefits.

Income Replacement Benefits, calculated based on gross income, are disbursed bi-weekly, with a limit of $400 per week. You could also receive compensation for past and future loss of income beyond these benefits by filing a personal injury claim, such as a slip and fall claim. A lawyer can guide you regarding any other potential deductions from benefits.

Income Replacement Benefits are provided at their maximum rate for up to 104 weeks. However, any income lost in the first week of disability is not compensated for.

You need to notify your insurance provider within seven days of the accident and complete an OCF-2 form. A completed application for Income Replacement Benefits must be submitted within 30 days, or you might lose out on the benefits. You can seek help from a disability lawyer in this regard.

Contact us now to schedule a call for a FREE, no-obligation consultation, during which you can ask any questions regarding your accident or claim, and we will discuss your options and potential outcomes.

To be eligible for income replacement benefits, you need to have injuries severe enough that they prevent you from working or from working as before. Also, you must meet one or more of the following conditions:

  • Being employed at the time of the accident, including self-employment.
  • Having worked for at least 26 out of the 52 weeks preceding the accident.
  • Receiving Employment Insurance at the time of the accident.
  • Being unemployed but at least 16 years old and excused from attending school at the time of the accident.

Note: If you meet one of these conditions, you can opt for non-earner benefits instead of Income Replacement Benefits.

You can receive payments covering up to 70% of your gross weekly income, based on your employment history just before the accident. These benefits are paid at least every two weeks but do not exceed $400 per week.

For those employed at the time of the accident, benefits are typically calculated based on:

  • Your gross income in the 52 weeks prior to the accident; or
  • Your gross income in the four weeks before the accident, multiplied by 13.

Your final benefit amount will be adjusted depending on other sources of income replacement you might receive.

After a motor vehicle accident, you can recover money for the days you missed work due to an injury. However, no compensation is provided for the first 7 days after an accident. This does not apply to other types of injury claims.

Accident victims may file a lawsuit against a negligent driver responsible for the collision in addition to collecting no-fault accident benefits.

While they may recover 70% of gross earnings until the trial date, they may recover 100% of gross income loss and earning capacity after the trial.

The amount you receive for past or future income loss will be reduced by income you receive from other sources. The person or entity responsible for paying your damages is usually entitled to deduct any other benefit amounts from the amount of your lost future or past income.


  • If you suffer serious injuries, you may be unable to work or you may be unable to carry on your normal life.
  • If you are disabled due to an accident, you may be eligible to apply for an income replacement benefit, based on 70% of your gross income to a maximum of $400 per week, with a one-week waiting period.
  • If you fall under a “non-earner” category, you may be eligible for non ear benefits if you suffer a complete inability to carry on a normal life. This would entitle you to $185.00 per week with a four-week waiting period.


  • Your insurance policy will cover you for reasonable and necessary treatment with any of the following healthcare practitioners due to the accident:
    • Physician
    • Chiropractor
    • Speech Language Pathologist
    • Physiotherapist
    • Psychologist
    • Nurse Practitioner
    • Optometrist
    • Dentist
    • Occupational Therapist
  • If you suffer a “minor injury” treatment is limited to $3500


  • If you fall outside of the minor injury, you will be placed in a different category with a Medical Rehabilitation and Attendant Care Benefits limits of $65,000 over 5 years and you may be able to access Attendant Care Services
  • If your injuries are considered “Catastrophic”, you will have access to $1,000,000.00 of Medical Rehabilitation Benefits over your lifetime.


  • If as a result of an accident, a death occurs, we can assist with helping you access payments to survivors of a person who is deceased up to $25,000
  • You may also receive payment of funeral expenses up to $6000


  • Lost educational expenses
  • Expenses of visitors
  • Damage to clothing, glasses, hearing aids, etc.
  • Cost of examinations

*If optional benefits have been purchased, the limits available for the above benefits may be increased.

**The above benefits are subject to eligibility and qualification.

Why You Should Choose JSM Law?
  • Our Law Firm is client-focused and results-driven.
  • Our Law Firm consists of experienced professionals with proven records of success.
  • JSM Law will protect your interests.
  • We offer competitive contingency fee structures.

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