What is the most important thing I should know about my insurance?
You should know which policies you have, and your coverage amounts and details.
In Ontario, insurance claims involving personal injury can be quite complex, given the number of policies that may be involved. In Ontario, the insurance industry is regulated by the Financial Services Commissioner of Ontario (FSCO).
You should know which policies you have, and your coverage amounts and details.
Wright Rehab bills the insurance adjuster and they pay us directly. As the client, you are entitled to see invoice and billing statements at any time.
All insurance policies vary in their coverage. You’ll need to check your policy to see what is included. If the injury involved a motor vehicle, the automobile insurance will likely cover all medical rehabilitation and attendant care costs. However, it is up to the insurance company to approve the services that we propose. Our services are outlined in a document known in the industry as an OCF 18. To learn more about automobile insurance and the coverage in Ontario, visit the government website for Financial Services Regulatory Authority of Ontario (FSRA), and find the links that refer to automobile insurance.
If you have other insurance policies such as life insurance or benefits at work, they may also cover these services. Contact us and we’ll help you access all the insurance that you may have and help you contact them.
Should this occur, we are willing to talk about options of how we can provide ongoing service.
Contact us at support@wrightrehab.ca or call us. Talk to the patient’s care team. Let them know the situation and that you need more help. You can also contact us and we can help you with this process.
After an assessment interview, you will have the opportunity to meet with a few Support Workers and choose the one that seems like the best fit. Keep in mind, that this will be new to you, so there is naturally a period of adjustment. The most important thing is that you are comfortable.
It all depends on the requirements, the level of support and the level of care required. We can be flexible in scheduling to work with other caregivers. Typically, a Support Worker comes two or three times a week, either for full or half days.
RTs work “with” the client to help them recover. We often say we are providing an extra brain so that the client doesn’t have to worry about making decisions or mistakes due to their injury. PSWs work “for” the client and can help with personal upkeep, grooming and a variety of household tasks.
Wright Rehab looks for experienced RTs and PSWs who have worked with many clients and can demonstrate a good track record. RTs have college diplomas or university degrees in fields such as Psychology, Child and Youth Worker, Developmental Service Worker and Social Service Worker. All of our PSWs have either a PSW Diploma and/or an R.N.A. Diploma from a community college.
The most important thing is to let us know. Let’s talk about it and find a good solution that works for you and your loved one. As a caregiver, it’s not unusual to feel over-burdened. We try to understand what you’re going through. In some cases, a few days rest for you will help. In other cases, different arrangements can be made.
Our goal is to work towards your loved one’s optimal recovery and rehabilitation. If at the end of the scheduled care, there is a further need to work together, we can help you make the necessary arrangements. We do work with some of our clients after their case settles. We can also recommend other resources for help in your community should you need it.
Wright Rehab can find additional educational materials for you. There are resources in most communities and we can help you get connected. For example, there are many relevant associations, caregiver support groups, and you may be able to access individual counseling.
The fee for a Rehabilitation Therapist and Personal Support Workers varies based on the situation. Once you contact us we can determine fees and amount of services based on a Treatment Plan. We can assure you that all fees are transparently and clearly explained so that you are getting the best service and value. For Motor Vehicle Accident Insurance, we adhere to the fee guideline set out by the Financial Services Commission of Ontario.
Depending on the situation you may be eligible for payment of these service by an insurance company or companies. In some instances clients will pay Wright Rehab directly for privately engaged workers. In the insurance scenario, your insurance adjuster is billed for these costs and pays us directly. As the client, you are entitled to see invoice and billing statements at any time. Billing costs follow exact amounts outlined on a treatment plan that the family sees and signs (your coordinator will review with you to explain costs) and the insurance adjuster approves before billing commences.
Wright Rehab has been providing these services in Ontario for over ten years. We can help advise and guide you through the seemingly complex billing rules and options. In addition to our knowledge we often help you obtain the right professional or legal advice by referring you to the appropriate professional.
When serious brain injury or spinal cord injuries occur, there are often lawsuits, sometimes regarding the level of care required or other compensation. As caregivers, Wright Rehab RTs and PSWs are trained to take careful and detailed notes, which lawyers will often request so they can explain the truth and understand the impact accidents have on clients and ensure clients get the care they are entitled to.
In general, our job is to carefully document everything of note from the day we start to work with a client. These notes mark the client’s day-to-day progress in their recovery. We also provide summaries throughout the year to provide a more concise overview. Lawsuits sometimes take years to come to court. Therefore, written documentation is critical to demonstrate the difficulties that clients have as a result of their injuries. In the past, RTs have also been called upon as witnesses in cases.
Sometimes, lawyers may be involved early in a case while the client is still in the hospital. It is during that time that a lawyer may request the services of Wright Rehab in the best interests of the client. Often, clients don’t appreciate that these services are available, or think that they can recover on their own, not fully taking into account all the emotional and mental aspects of recovery from injury. Experienced lawyers know that recovery can be improved with an RT.
Call a lawyer if you think you are not getting the benefits you are entitled to or you don’t understand your entitlement.
You need to find a lawyer who handles personal injuries exclusively. There are many lawyers but only a few are experts in personal injury claims.
In Ontario, insurance claims involving personal injury can be quite complex, given the number of policies that may be involved. In Ontario, the insurance industry is regulated by the Financial Services Commissioner of Ontario (FSCO).
You should know which policies you have, and your coverage amounts and details.
Wright Rehab bills the insurance adjuster and they pay us directly. As the client, you are entitled to see invoice and billing statements at any time.
All insurance policies vary in their coverage. You’ll need to check your policy to see what is included. If the injury involved a motor vehicle, the automobile insurance will likely cover all medical rehabilitation and attendant care costs. However, it is up to the insurance company to approve the services that we propose. Our services are outlined in a document known in the industry as an OCF 18. To learn more about automobile insurance and the coverage in Ontario, visit the government website for Financial Services Commission of Ontario (FSCO), and find the links that refer to automobile insurance.
If you have other insurance policies such as life insurance or benefits at work, they may also cover these services. Contact us and we’ll help you access all the insurance that you may have and help you contact them.
Should this occur, we are willing to talk about options of how we can provide ongoing service.
Wright Rehab provides personalized rehabilitation services across Ontario, supporting individuals with brain injuries, spinal cord injuries, and other complex needs. Contact us today to connect with our expert team and find the right care for your recovery journey.
Wright Rehab provides personalized rehabilitation services across Ontario, supporting individuals with brain injuries, spinal cord injuries, and other complex needs. Contact us today to connect with our expert team and find the right care for your recovery journey.
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