Catastrophic Impairment: The High-Stakes Determination
From Civil Banter by Hamish Mills-McEwan, Stanford Cummings
April 17, 2026 · 21 min · Season 1 · Episode 14
About this episode
Hamish and Stan discuss the implications of catastrophic impairment in Ontario accident benefits law.
In our latest episode of Civil Banter, our hosts Hamish and Stan unpack one of the most consequential findings in Ontario accident benefits law: catastrophic impairment. From million‑dollar benefit caps to complex medical and legal tests, the stakes couldn’t be higher. Our hosts break down how catastrophic impairment is determined, why insurers often push back, and what injured people need to know about navigating a system where life‑changing decisions can be made in just a few days.
People in this episode
Hosts: Hamish, Stan
Topics covered
- catastrophic impairment
- Ontario accident benefits law
- insurance
- legal tests
- medical tests
Keywords
- benefit caps
- insurers
- injured people
- navigating the system
Mentioned in this episode
Places: Ontario
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