Most employees have access to a wide array of public and private insurance coverage. Many employees participate in their employer's private group insurance plans for medical, dental, life, and short and long term disability coverage. At the same time all employees make contributions to public insurance in the form of their Employment Insurance premiums. Many employees are also protected by the provincial workers' compensation legislation that is designed to cover employees that may be injured in the workplace.

Often employees do not have a clear picture of their rights and obligations under the various insurance plans and programs that may apply to them. Moreover, the interrelationship between the various forms of coverage that may apply to an employee can be confusing without an experienced and competent advisors to assist.

At Sawers McFarlane our insurance practice has a specific focus on those insurance related matters that arise from the employment relationship. In this way we provide advice to employees about all aspects of their rights and interest under any private or public insurance plans and programs that may apply to them. We have advised numerous clients in all areas of insurance related issues, including:

• Employment Insurance
• Workers' compensation
• Life insurance coverage and conversion;
• Short and long-term disability insurance;
• Group insurance;
• Key employee insurance;

Sawers McFarlane's insurance practice also covers insurance and related matters not directly connected to the employment sphere, including:

• Medical malpractice and professional liability;
• Personal injury actions arising from motor vehicle accidents or other causes;
• Occupiers' Liability;
• Life and Disability Insurance; and
• Fire, property and casualty claims;

For further information, please contact: