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Since articling in 1999 with a national insurer, my practice has focused on insurance defence litigation, anti-fraud investigations, and coverage disputes. I have significant arbitration, trial and appeal experience before the Superior Court, Divisional Court, Court of Appeal and Supreme Court of Canada, as well as FSCO, the LAT and WSIAT.  I am your strategic business partner, combining big picture thinking with refined technical skills: delivering exceptional service and advice... and I love what I do. 

My practice focuses on anti-fraud in the insurance space, together with accident benefits claims, tort defence, property disputes, coverage disputes, loss transfer and priority matters.  I defend and prosecute against opportunistic and organized auto, property, life and health fraud. 

I have been honoured with peer and industry acknowledgements, including the Lexpert Zenith Mid-Career Excellence Award, the Lexpert Rising Stars, Leading Lawyers under 40 Award, the Lexpert US/Canada Litigators to Watch, as well as the Canadian Defence Lawyers’ Exceptional Young Lawyer Award.  I’ve been ranked as a Best Lawyer in Canada for Insurance Law since 2019.

In addition to my practice, I have been an adjunct professor at the University of Windsor Faculty of Law, teaching the Lawyer as Conflict Resolver, the Professional Identity and Legal Skills (PILS) and the Business of Law courses.  I have also been Guest Faculty with the Education and Development Bureau of the OPP, The Ontario Police College and the Toronto Police Services.  From 2002-2005 I was a professor with Brock University, having designed and taught the first Conflict Management in Policing university course in Canada with the Criminal Justice and Policing Bachelor of Arts program.

I am also a committed contributor to the insurance industry, having published and lectured extensively with numerous organizations such as the Ontario and Canadian Insurance Adjusters' Associations, the Insurance Institute, the Canadian Defence Lawyers Association, RIMS Canada, the Ontario Bar Association and Osgoode Hall's Professional Development Programme.  I worked closely with the Medical-Legal Society of Toronto serving in my last capacity as the 1st Vice President.

Volunteering is a very important part of my life.  I am a member of the WICC Gala Committee and volunteer/fundraise with several charities. My primary fundraising focus is with Holland Bloorview Kids Rehab Hospital, working to raise funds for the Biggar Endowment in an effort to change the world for kids with Duchenne Muscular Dystrophy.  I serve on the Board of Directors with the Holland Bloorview Kids Rehabilitation Hospital Foundation.

As a lawyer, mother, mentor, educator and thought leader, it is a privilege to be so engaged in my community and industry.

 

WORK EXPERIENCE

Partner, Schultz Law Group LLP, Toronto (2015 - present)

Adjunct Professor, University of Windsor, Faculty of Law (2014 - 2020)

Partner, Hughes Amys LLP, Toronto (July 2009 - August 2015)

Associate, Dutton Brock LLP, Toronto (December 2000 - July 2009)

Mediator, Trainer and Consultant, Toronto (June 1998 - 2010)

Sessional Professor, Brock University, St. Catharines (Aug. 2002 - Jan. 2005)

Student-at-law, Royal & SunAlliance, Toronto (July 1999 - June 2000)

 

EDUCATION

Year of call: 2001 

Certified Risk Manager, Canadian Risk Management & GRMI designation, University of Toronto (2018)

Master of Laws LL.M., Osgoode Hall Law School (2003)

Bachelor of Laws LL.B., University of Windsor, Faculty of Law (1999)

Bachelor of Arts B.A., (Political Science and Theater & Performance) McGill University (1996)

  

AWARDS

Recognized as a Best Lawyer in Canada in Insurance Law, by Best Lawyers (2019 - 2025)

Insurance Business Awards, Awardee for Woman of Distinction (2024)

Winner, Lexpert Zenith Mid-Career Excellence Award (2018)

Winner, Lexpert Rising Stars, Leading Lawyers under 40 in Canada (2015)

Finalist for Lexpert's Rising Stars Top 40 under 40 (2014)

Exceptional Young Lawyer Award, Canadian Defence Lawyers Association (2010)

Dorothy Waddicor Award in Alternative Dispute Resolution, University of Windsor, Faculty of Law (1999)

John W. Whiteside Award for Contribution to the Faculty of Law, the Community and the Legal Profession, University of Windsor, Faculty of Law (1999)

 

Chubb Insurance Co. of Canada v. Zurich Insurance Company, 2024 ONSC 2929
2024-05-23
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Sonnet Insurance Company v. Sarassra, 2024 ONLAT 22-004161/AABS
2024-02-09
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Mclyntyre v. Economical Insurance Company, 2023 (ON LAT)
2023-06-23
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In McIntyre v. Economical Insurance Company, 2023 ONLAT 21-005065/AABS, Adjudicator Bruce Stanton confirmed that CAT assessments must meet the reasonable and necessary test pursuant to s.15 of the SABS for an insurer to be obliged to pay for them as well as a SPECT Scan, if needed, is accessible to the Applicant with a referral from a physician or specialist through OHIP.
Del Grosso v. Intact Insurance Company, 2023 CanLII (ON LAT)
2023-05-23
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This is the case involving an Ontario man, who misrepresented in his Application for Insurance, then had an accident in Michigan and elected to receive Michigan benefits, then got caught in the misrepresentation.
John JORDAN and William NEILSON v. Commonwell Mutual Insurance and Finnegan Insurance Brokers.
2023-02-02
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Del Grosso v. Intact Insurance Company, 2023 CanLII (ON LAT)
2023-01-04
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Interesting accident benefits decision where the applicant was barred from receiving IRBs due to material misrepresentations in his application for insurance. The applicant was ordered to repay $72,881.74 to the insurer plus interest.
John Jordan and William Neilson v. The Commonwealth Mutual Insurance Group and Finnegan Insurance Brokers Ltd.
2022-10-06
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Nielsen et al v. Commonwell et al
2022-10-06
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Motion Endorsement for complex motion/cross-motion regarding the test for further examination for discovery, and the binding nature of appraisals under s. 128 of the Insurance Act. Contains valuable judicial commentary about the manner in which counsel comport themselves during examinations.
Mansuri and Travelers (LAT 20-001365)
2022-09-28
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Important decision confirming that adjusters and their lawyers can share information between claims to investigate suspected fraud and that counsel can act for both a priority dispute and LAT proceeding flowing from the same accident.
Adams and Economical (LAT 22-002999)
2022-09-02
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LAT Motion Order confirming the Applicant is required to consent to the use of surveillance during Insurer's Examinations.
Zurich v. Chubb (Justice Cunningham, August 5, 2022)
2022-08-05
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Important priority dispute decision dealing with allegations that the insurer of a rental vehicle had an insufficient claims handling program in place to ensure that the Applicant's claim for accident benefits was not deflected to another insurer which did not insure the loss, but which had offered Accident Death and Dismemberment coverage at the rental location.
Dominion of Canada General Insurance Company v. Ridi, 2022 ONCA 564
2022-07-29
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In this landmark case, the Court of Appeal confirms that for losses prior to June 3, 2019, the attendant care benefit limits are inclusive of HST.
R. S. v. Optimum, 2022 CanLII 35791 (ON LAT)
2022-05-06
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An interesting LAT decision which further develops the "aberrant use" doctrine at the LAT. The Vice-Chair declined to find that the contemporaneous clinical notes indicating the Applicant was suicidal pre-accident and the treating psychological counsellor's post-incident clinical note that this incident was a suicide attempt resulted in a conclusion that the Applicant was using the vehicle for the aberrant purpose of trying to kill himself.
M.M.R. v. Travelers, 2021 CanLII 124045 (ON LAT)
2021-12-02
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Successful dismissal of an Applicant's Reconsideration Request alleging bias of the LAT Member, improper provision of caselaw to the LAT, and arguments regarding an alleged misinterpretation of the SABS. The LAT Member agreed that the Applicant did not provide sufficient evidence or argument on the allegations of bias and that Reconsideration is not an opportunity to re-argue the submissions made at the initial hearing.
Intact v. Economical, 2021 ONSC 7750
2021-11-23
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Superior Court Appeal confirming the OAP 1 extends accident benefits coverage to a rental vehicle as a "temporary substitute automobile" so long as the described vehicle is not operational.
Economical and Intact
2021-07-19
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Economical policy provided coverage for temporary replacement vehicle under the OAP 1, meaning that it was the priority insurer and could claim loss transfer against Intact.
Dominion v. Ridi, 2021 ONSC 3707
2021-05-20
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Precedent setting Divisional Court appeal decision confirming that for accidents prior to June 3, 2019, HST is payable as an incurred attendant care expense within the policy limits. In the initial LAT Hearing, the Adjudicator decided that HST is not a “reasonable and necessary” expense and therefore was not subject to the $6,000 limit in s.19(3) of the Schedule or the policy limit of $1,000,000. He concluded that the insurer has to pay it as a tax, which the Adjudicator found was distinct from an expense. The Divisional Court concluded: "The problem with this reasoning is that the tax legislation does not impose an independent obligation on the insurer to pay HST and s. 14 of the Schedule only requires the insurer to compensate the insured for attendant care benefits as they are defined under s. 19: “reasonable and necessary expenses.” Therefore, if the HST is not a “reasonable and necessary expense” under the Schedule, the Schedule does not obligate the insurer to pay it."
Dockstater and Technology Insurance Company
2021-04-13
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Successful motion for production of prior AB claims file and medical records more than three years prior to the current MVA.
Kasbar v. Travelers, 2021 CanLII 30412 (ON LAT)
2021-03-30
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Successful preliminary issue motion pursuant to sections 32 and 55 of the SABS dismissing the accident benefits claim due to the failure to notify the Insurer of the claim within the timelines of the SABS.
Algoma and Co-Operators
2021-03-23
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Important priority decision confirming the consequences of Co-Operators' deflection of the claim to Algoma, with optional benefits under the Co-Operators policy.
Ahmed v. Optimum, 2021 CanLII 19485 (ON LAT)
2021-02-12
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LAT decision dismissing the majority of the disputed OCF-18s and a claim for a s. 10 award.
Galit v. Technology (LAT 19-011457)
2021-02-01
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Interim decision requiring the Applicant to produce outstanding productions and for summonses issued to third parties for employment and LTD records.
Galit v. Technology (LAT 19-011457)
2020-09-23
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An important decision regarding the LAT's common-law duty to safeguard the identity of a whistleblower and to avoid a chilling effect that may impact other informants from providing assistance in cases involving alleged insurance fraud.
M.M.R. v. Travelers, 2020 CanLII 51286 (ON LAT)
2020-06-22
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The Applicant's claims for a s. 10 award and costs were dismissed. The LAT found that the Insurer did not unreasonably withhold payment of IRBs as the Applicant delayed in providing the necessary information and forms to support the claim for IRBs.
S.K. v. Technology, 2020 CanLII 61457 (ON LAT)
2020-06-19
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Preliminary issue hearing dismissing an OCF-18 on the basis of the two-year limitation period.
F.R. and Dominion, 2020 CanLII 40336 (ON LAT)
2020-05-29
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Reconsideration decision challenging the LAT's incorrect finding that HST is a tax payable outside of the benefit policy limits. The adjudicator declined to find that an amount is only payable if it is an incurred expense. This incorrect result was then reversed by the Divisional Court and affirmed by the Court of Appeal.
Applicant and Dominion, 2020 CanLII 12760 (ON LAT)
2020-02-14
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The LAT incorrectly found that HST is a tax payable outside of the benefit policy limits. This result was then reversed by the Divisional Court and affirmed by the Court of Appeal. A benefit amount is only payable if it is an incurred expense. Incurred expenses are payable from within the policy limits, or they are not payable at all.
A.A. v. Technology
2020-02-03
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LAT proceeding removing the Applicant from the MIG but denying entitlement to $8,000 in claimed s. 25 assessments.
North Waterloo v. Samad, 2018 ONSC 2143
2018-04-04
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The Divisional Court declined to interfere with the FSCO Arbitrator's decision that an assault from a criminally convicted assailant did not break the chain of causation and the dominant feature of the incident was the claimant's belief that his hand may have been on the passenger door.
Aviva v. Dittmann, 2018 CanLII 12956 (SCC)
2018-03-15
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The Supreme Court of Canada declined to give leave to appeal, without reasons (as is customary.
Dittman v. Aviva, 2017 ONCA 617
2017-07-21
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The Court of Appeal concluded it was reasonable for the summary judgement motion judge to find that the use of a parked motor vehicle in a drivethru directly caused impairments from a scalding hot cup of coffee.
16-000775 v. Aviva, 2016 CanLII 105251
2017-06-12
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Psychological Treatment Plan claim dismissed on accident benefits claim taken out of MIG due to physical impairments. The OCF-18 was not reasonable or necessary as a result of the accident and it duplicated services recommended for a different date of loss.
Adesina John v. RBC, 2017 ONFSCDRS 144 (CanLII)
2017-05-19
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FSCO Appeal pertaining to an order that the Applicant's paralegal personally pay the costs of a frivolous proceeding.
Raja and Arch (FSCO A15-004857)
2017-04-17
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This FSCO decision confirms an assault is an intervening act breaking the chain of causation between the use of a vehicle for a motoring purpose and the direct cause of the injuries. Despite the contemporaneous use of the insured taxi, this was not an accident under the SABS.
Fraser and RBC
2016-07-04
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In a precedent setting preliminary issue decision, Kadey Schultz secured a withdrawal of claims for Income Replacement, Attendant Care and Housekeeping Benefits as well as costs of $19,620.36 payable to RBC as a result of the fraudulent claim for IRBs.
State Farm v. Old Republic, 2015 ONCA 699
2015-10-20
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Precedent setting Court of Appeal decision confirming proper interpretation of Rule 9 of the Fault Determination Rules.
ONCA Confirms Absurdity of Superior Court's Rule 9 Interpretation
2015-10-20
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With a unanimous 3-0 decision, the Court of Appeal confirms that heavy commercial vehicle insurers only pay loss transfer to insurers of vehicles with which they actually collide under Rules 9 and 11 of the Fault Determination Rules.
McAlpine v. Northbridge, 2015 ONFSCDRS 201 (CanLII)
2015-10-02
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Interesting decision dealing with whether an insured person trampled by a horse was involved in an "accident".
Chartis and Tipu and Bartolini Berlingieri Barrafato Fortino LLP (FSCO Appeal P14-00009)
2015-05-22
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A FSCO appeal of the insurer's demand for costs payable by the legal representative.
TD v. Markel, 2014 ONSC 6461 (CanLII)
2014-11-12
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A unique precedent and successful Loss Transfer Appeal confirming that an insurer who fails to properly transfer priority for an accident benefits claim cannot claim loss transfer.
State Farm v. Old Republic, 2014 ONSC 3887 (CanLII)
2014-06-25
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Superior Court Appeal of a private arbitration decision challenging the correct application of Rule 9 of the Fault Determination Rules. The entire industry awaits the appellate ruling from the Ontario Court of Appeal as hundreds of millions of dollars in potential indemnification claims remain pending.
Vaccaro v. Unifund, 2011 ONSC 5318 (CanLII)
2011-10-04
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Textbook opposition of motion to set aside registrar's dismissal of the action. Despite solicitor's negligence, the action was restored. $16,500 in costs awarded to the unsuccessful insurer.
Chung and Unifund (FSCO A09-000198)
2010-05-31
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Successful motion at the outset of the Arbitration Hearing excluding all of the Applicant's documentary evidence.
Sebamalai and Nterekas and Royal & SunAlliance (FSCO Appeal P06-00037)
2008-06-02
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Appeal confirming the dismissal of the arbitration and costs against the legal representative, personally.
Sebamalai and Royal & SunAlliance (FSCO A04000068)
2005-10-31
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Dismissal of the arbitration and costs award payable by the legal representative, personally.
O'Shea v. Co-Operators, 2005 CanLII 35773 (ON CA)
2005-09-27
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Court of Appeal decision dealing with the AB settlement regulation and enforcement of settlement after the insured discharged their counsel.
Harril and Pilot (FSCO A04-000039)
2005-02-14
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FSCO Arbitration Decision dismissing housekeeping benefits claim.
H.I. and Aviva (FSCO A02-001766)
2004-11-12
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FSCO decision dealing with the Applicant's capacity and reliance upon an unlicenced representative.
Iankilevitch and CGU (FSCO Appeal P03-00013)
2004-08-31
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FSCO Appeal confirming s. 33 suspension of benefits and remitting matter back to arbitration to determine whether the Applicant had a reasonable explanation for the s. 33 non-compliance.
Gimondo and Royal & SunAlliance (FSCO A02000654)
2004-04-16
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FSCO decision denying the Applicant's adjournment request and dismissing the arbitration proceeding.

Since 2012, Music Heals has managed to raise an incredible $435,000 in support of the Biggar Endowment for Muscular Dystrophy at Holland Bloorview Kids Rehabilitation Hospital.  Music Heals 10!, June 5, 2024, at the iconic El Mocambo, is sure to get this phenomenal fundraising campaign to half a million dollars!

"As a mother with a son who suffers from Duchenne Muscular Dystrophy, generating awareness and raising funds to support the quality of life of kids with DMD is part of what I do every day."

Music Heals 2024

We did something...something huge and massive and game changing…

 

and now we have one more step. It's time for Music Heals 10!

 

Did you know Music Heals has raised $435,000? Since you know me so well, you can tell where I am going with this right?

 

I remember sitting with a colleague in March 2012. Emery had just been discharged after 2 months at Sick Kids. The diagnosis of #DuchenneMuscularDystrophy was causing my heart to stop whenever I would try to say those three words. #DMD was the best I could do. Fatal, muscle wasting, hideous monster of a disease was what my body felt every time I said Duchenne. My colleague asked me what I was going to do. I had no idea, but couldn’t stand the thought of saying nothing, so I murmured:

 

Raise a lot of money. Change the world. Try.

 

Last year, I was nervous about Music Heals, after the pandemic had kept us apart for three years, while feeling the pressure we all feel, all the time, with work, life, inflation, you name it. But I put out the call for your time, money and support, and you showed up…man did you show up!

 

And so it’s time to do this again, with gusto, like Emery and all the boys with Duchenne are depending on us. Time to have some good laughs and a few tears too, time to listen to #UnitedSoulNations and Lily & the J’s belt the night away, time to do some shopping (we went online with the auction last year and are repeating for another amazing shopping experience!). But most of all, it’s time to take a moment to celebrate.

 

Music Heals helped fund the Givinostat drug trial at Holland Bloorview Kids Rehabilitation Hospital.  Emery was part of the trial. The goal was to slow the progression of the disease, maintain ambulation for longer and decrease inflammation.

 

It worked.

 

It’s been FDA approved. We have to get this to Canada (rules rules rules!). Music Heals helped make it happen.

 

Remember last year when Emery got all nervous on stage? Well, he’s giving a speech this year (short, sweet, funny – just like Emery) to share what it means to have #Duchenne at 17, while still being able to walk, eat and breathe independently, go to school full time, hang out with friends, draw, game…live.

 

I said it last year, and I’ll say it again: the tradition of Music Heals is a love story of our friends, insurance industry colleagues, and family believing that we can change the world, if we do it together. Let’s get to half a million dollars on June 5 at the El Mocambo . Let’s raise the money, dance the night away, and celebrate what we can do when we do it together.

 

My friends, we never know what today will bring. Hope to see you June 5 at the El Mo.

 

For tickets, donations, silent auction and sponsorship info, please visit and share the link above with the snazzy QR code 😊

 

Thank you for all of it, everything.

See highlights
    The Duty of Utmost Good Faith
    by Kadey Schultz 2022-04-12
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    <p>This paper on the duty of utmost good faith in the context of auto insurance and accident benefits is to be published in the Oatley McLeish Guide for Motor Vehicle Accidents. The paper outlines the legal history of this duty, beginning with Smith v. Cooperators and proceeding to more recent cases such as Tomec v. Economical. </p> <p>It also addresses the manner in which the duty cuts both ways, with the establishment of the independent actionable wrong principle from Whiten v. Pilot, and the possibility for insureds to pay punitive damages to insurers when they breach this duty, such as in RBC General Insurance v. Field. </p> <p>The paper discusses the consumer protection purpose of accident benefits legislation in Ontario, and provides a primer on the impact of self-representation by insured persons. </p> <p>It was authored by Kadey B.J. Schultz, and Colin MacDonald, and presented at the Osgoode Certificate in Motor Vehicle Accident Law and Practice: Tort and Accident Benefits Conference on April 12, 2022.</p> <p> </p>
    With police operations underway, uncertainty around Emergencies Act continues
    by Kadey Schultz 2022-02-18
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    READ SUMMARY
    <p>The federal government’s Emergencies Act requires insurance companies to “immediately cease” auto insurance coverage to Freedom Convoy protestors. But the act is noticeably silent on whose insurance should be suspended or how it should be done. All that is known at the moment is that the Emergencies Act trumps notice of cancellation requirements established in provincial law.</p> <p>How the Emergencies Act is to be enacted is a hot topic in the Canadian P&C industry. </p> <p>Kadey Schultz of Schultz Frost LLP says the act could cause “long-tail financial” effects for both insurers and insureds.  </p> <p>Read the full article in Canadian Undewriter by clicking on "Read Now", above. </p>
    Law Times Article: Insurance Defence Boutiques Have Flexibility in Approach
    by Michael McKiernan 2016-03-28
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    <p><strong><br /></strong>Kadey B.J. Schultz and Jason Frost present their views on the evolving role of insurance defence litigation firms and how Schultz Frost LLP plays a unique, consultative role, partnering with clients to manage risk and reduce reliance on outside counsel. </p>
    Presentation: Before the Changes Come - The Top Ten AB Cases of 2015
    by Kadey Schultz 2016-02-03
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    READ SUMMARY
    What you need to know about the latest developments in Accident Benefits! Get up to speed on changes regarding: - The ability of insurers to conduct EUOs - Why catastrophic impairment is NOT a benefit (and the implications) - Limitation periods - Interest on retroactive attendant care benefits - Loss transfer in chain reaction collisions
    Presentation: Cyber Risk in Canada -- What to Watch Out for and How to Be Prepared
    by Kadey Schultz 2016-02-02
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    This dynamic OBA Institute presentation focuses on Cyber Risk, Privacy Laws, New IIROC Best Practices and Must-Do's for law firm security in 2016.
    ONCA Confirms Absurdity of Superior Court's Rule 9 Interpretation
    by Kadey Schultz 2015-10-20
    READ NOW
    READ SUMMARY
    With a unanimous 3-0 decision, the Court of Appeal confirms that heavy commercial vehicle insurers only pay loss transfer to insurers of vehicles with which they actually collide under Rules 9 and 11 of the Fault Determination Rules.
    Investigators Trawl Social Media to Catch Fraud
    by Sara Tatelman 2015-05-01
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    READ SUMMARY
    It starts like any love story: twenty-something girl meets car. Girl and car get into a crash. Girl files a catastrophic injury claim with her insurance company. Then girl goes off the grid.
    Phish Tales
    by Kadey B.J. Schultz and Aleksandra Zivanovic 2015-04-16
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    READ SUMMARY
    <p>Cyber criminals have perpetrated - and continue to perpetrate - on banks around the world a spin on the classic bait-and-switch manoeuvre. The new form of phishing has already proved very costly and should serve as a caution that all industries, not just financial institutions, need to develop cyber resilience to avoid getting hooked in.</p>
    Moving Target
    by Angela Stelmakowich 2015-03-01
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    READ SUMMARY
    Cyber risk is evolving. Despite recent high-profile attacks meant to disparage, disrupt and produce fear, though, a true picture of cyber risk involves far more than intended events. Risk managers must, first, accept the breathtaking breadth of the risk and, second, be ready to absorb information that will help them to set an accurate sight on what is (and will continue to be) a moving target.
    10 Decisions that will Impact your Motor Vehicle Litigation Practice
    by Kadey B.J. Schultz and Anne Fyfe 2015-02-04
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    <p>The essential insurance law update from the OBA Institute's 2015 CPD Seminar on February 4, 2015, featuring important cases dealing with priority, deflection, loss transfer, attendant care benefits, interest, threshold, and more.</p>
    Game Changer
    by Angela Stelmakowich 2013-01-13
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    Will recommendations contained in the Ontario Automobile Insurance Anti-Fraud Task Force report be a game changer, addressing what has become an increasingly organized and expensive problem? Or could implementation and timing issues threaten to alter the carefully plotted road map for improving the system?
    Managing Auto Fraud
    by Kadey B.J. Schultz and Chris Rain, VP Claims, Arch Insurance for Canadian Underwriter 2012-05-01
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    Kadey B.J. Schultz and Chris Rain, Arch Insurance Vice President of Claims, consider how to apply risk management principles to prevent auto insurance fraud.
    Access to Private Facebook Pages a Question of Logistics, Not Privacy
    by Canadian Underwriter 2011-12-01
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    Defence counsel's use of private Facebook pages in litigation is not an issue of breaching the plaintiff's privacy so much as it's an issue of logistics and the timing associated with accessing information on private pages.
    Litigation Looms Over Minor Injury Cases
    by Judy Van Rhijn 2011-10-17
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    READ SUMMARY
    Many insurance industry professionals are predicting a deluge of litigation over the many uncertainties associated with the application of the minor injury guidelines.
    The Era of Active Communication
    by Kadey Schultz 2011-09-01
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    Ontario's auto reforms highlight the importance of documenting all communications with consumers - even if those communications prove to be entirely one-sided.
    Falling Under
    by Laura Kupcis 2011-08-05
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    While more than 50 per cent of all claims in Ontario are currently falling under the MIG, this could have serious cost ramifications in future if case law does not favour insurers who are applying the MIG prior to the renewal date.
    More than 50% of all AB Claims Falling Under the MIG
    by Canadian Underwriter 2011-05-16
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    The issue is not how many claims fall into the MIG at the outset, but how many stay in the MIG, which will only be borne out by time and the development of case law.
    Language Divide
    by Vanessa Mariga 2011-05-01
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    A government blue-ribbon panel of medical experts has produced a proposed new draft of Ontario's catastrophic impairment definition, including a welcomed "line in the sand" against combining physical and psychological impairments to determine whole person impairment. But how will the medical terminology in the new definition be translated into the language of case law?
    Hitting the Mark Aiming for Successful SABS & MIG Outcomes
    by Laura Kupcis 2011-04-01
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    The more things change, the more they stay the same. Slightly more than six months after the rollout of the revamped Statutory Accident Benefits Schedule (SABS), including the implementation of the Minor Injury Guideline (MIG), health care providers have raised concerns about decisions adjusters are making with respect to a claimant's health. Conversely, adjusters are raising concerns about health care providers' treatment requests made on behalf of claimants.
    Best Practices Help to Avoid Special Arbitration Awards When No Benefits are in Dispute
    by Canadian Underwriter 2011-02-09
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    A recent Financial Services Commission of Ontario (FSCO) decision - which granted a special award when there were no benefits in dispute - should prompt adjusters to follow a set of best practices to avoid a similar decision in the future.
    Loosening the Cap
    by Vanessa Mariga 2011-01-01
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    READ SUMMARY
    When the Financial Services Commission of Ontario (FSCO) placed a $2,000 limit on AB assessments under its Minor Injury Guideline (MIG) in September 2010, it intended to restrict a ballooning area of expense for insurers. But now, four months into the reforms, a debate has opened about whether the restriction is in fact too tight.
    Ontario's $2,000 Cap on AB Assessments Could be Vulnerable to Charter Challenge: AB seminar panelist
    by Canadian Underwriter 2010-11-01
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    READ SUMMARY
    By including a health practitioner's travel and translation costs within a $2,000 limit on auto insurance accident benefits assessments, the new Ontario auto insurance reforms may be heading down the highway towards a Charter challenge.
    Defining Minor Injury
    by Laura Kupcis 2010-10-01
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    While the insurance industry is hopeful the new Minor Injury Guideline (MIG) will successfully curb claims costs, there is an underlying current of fear that perceived loopholes in the MIG might thwart its effectiveness.
    A $25,000 Question?
    by Kadey Schultz 2009-12-01
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    An award of aggravated damages for mental distress exceeding the value of the benefits in dispute.
    Kadey's Latest Speaking Engagements
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    Past EventsDateCity
    21st Annual Insurance Coverage Symposium2025-04-24Toronto

    As the global economy faces unprecedented challenges, there is an unfortunate certainty: an increase in insurance fraud.  Join Kadey at the CDL April 24, live and in person, to engage in a deep dive into preventing, investigating and prosecuting against insurance fraud.   Kadey is co-presenting with  Bryan Levisauskas, as their paths cross again, after working together over 10 years ago when Kadey was brought in to design a fraud investigation and mitigation strategy for a multi-national rental car company.

    MORE ABOUT THIS EVENT

    MLST's Annual CAT Program2025-02-12Webinar

    MORE ABOUT THIS EVENT

    The Advocates' Society - Tricks of the Trade2025-01-31Toronto

    MORE ABOUT THIS EVENT

    Insurance Canada Business Magazine’s Women in Insurance Summit 2024-06-18Toronto

    In today’s rapidly changing insurance landscape, your professional network can be a powerful asset in ensuring the longevity and success of your business. This facilitated workshop explores the strategies and tactics for future-proofing your business by tapping into your network’s potential, insight, and energy. Learn how to:

    • Harness the power of your professional network for business longevity
    • Leverage both online and offline relationships to adapt to industry changes
    • Seize opportunities and stay ahead of trends with a strong network
    • Build a resilient and sustainable business through inspiring connections

    MORE ABOUT THIS EVENT

    Loss Transfer/Priority Disputes2024-03-07Toronto

    Loss Transfer and Priority Disputes are unique disputes that arise between insurance companies with respect to statutory accident benefit payments. This program is targeted for AB practitioners, lawyers and claims professionals alike, to refresh and update their knowledge and skills while learning from those who work in this complex area of the law.

    MORE ABOUT THIS EVENT

    Costs: What You Need to Know2024-02-09Toronto

    MORE ABOUT THIS EVENT

    Defending Accident Benefits Claims: A Crash Course2023-06-09Toronto

     

    MORE ABOUT THIS EVENT

    Creating a Comprehensive Strategy to Advance Toward Settlement2023-05-31Toronto

    When negotiating settlements, it is critical that you have an all-encompassing plan for how best to move towards settlement discussions. You will need to consider how each side wants the file to settle, the differences in how the parties analyze the file, and how both want resolution to occur before you choose an approach. Discover how to determine the best strategy and how to:

    • Know when to use which tactics: should you hold to certain positions, provide greater concessions, focus on complex arguments on liability or leverage your ability to incur further legal costs?
    • Construct a powerful offer-concession strategy and make productive counter-offers
    • Employ useful methods to develop creative settlement solutions
    • Recognize when you need to change course and when settlement is becoming likely
    • Stay alert to natural windows for settlement: when do these most often occur?

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    Durham Law Association - 5 Ways to Keep a Work/Life Balance2022-10-14Ajax

    As part of the Durham Law Association Civil Litigation Conference 2022, Kadey B.J. Schultz presented: 5 Ways to Keep a Work/Life Balance.

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    RIMS Canada: The Impact of Rising U.S. Loss Costs, Social Inflation and Third-Party Litigation Funding 2022-09-12Halifax

    Kadey Schultz will provide insight into the changing claims landscape in Canada, and the key differences between the U.S. and Canada from a litigation and social inflation perspective, including relevant case law and the emergence of TPFL in Canada. 

    Kadey will cover off the differences between Canada and U.S. court systems, the impact that U.S. court decisions and social inflation have on the Canadian landscape, and TPFL funding in Canada. The risk manager will discuss the risks that we should be aware of, and risk mitigation strategies to employ to help reduce your exposure to risk through education, mitigation and advocacy, along with a regular review of your risk selections from a financial perspective. 

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    Osgoode Certificate in Motor Vehicle Accident Law and Practice: Principles of First-Party Insurance and the Duty of Utmost Good Faith2022-04-12Toronto

    MORE ABOUT THIS EVENT

    Insurance Institute of Canada: Fireside Chat - Put Your Oxygen Mask On First2022-03-24Toronto

    Join our Fireside Chat to discuss the impact of the pandemic on our systems and structures as we "re-integrate" and what does that even mean? From business development, IT infrastructure, HR, claims management, court, and tribunal processes/resources – what does the future look like?　

    Your chapter has lined up an amazing group of industry professionals for a panel discussion on thriving after Covid shattered the traditional workplace. Join us to learn how to embrace the mindset of flexibility in this ever-changing world.

    Moderator:       

    Kadey Schultz, Partner, LL.B., LLM, Schultz Frost, LLP

    Guest Panelists:

            Sheldon Williams, Chair and Co-founder, Canadian Association of Black Insurance Professionals

            Heather Matthews, Chief Client Officer, Crawford & Company (Canada) Inc.

            Jeremy Abellera, Vice President, Business Integrations, Disaster Rx

            Deborah Upton, Vice President, Pricing, Gore Mutual

    MORE ABOUT THIS EVENT

    Insurance Institute Virtual Symposium West - Social Inflation: The biggest emerging risk you need to know about2021-08-12Toronto

    Social Inflation: The biggest emerging risk you need to know about

    “Social Inflation” describes the trend of rising insurance costs due to increased litigation, plaintiff-friendly judgments, and higher jury awards. Traditionally, the Canadian insurance industry has been more sheltered, ‘peering over the fence’ in amazement at U.S. counterparts dealing with heavy-hitting litigation awards and the general inclination toward legal action. But times are changing and our shelter is under theat. If litigation costs in Canada are creeping up, what are the causes, what does this mean for the industry, and what should insurance professionals be considering now to succeed in the future?

    Join our panel – bringing knowledge and expertise from the legal, claims, and broker perspectives – providing the very latest updates on the social inflation trend, and just how concerned stakeholders in the insurance industry should be. And as we grow our understanding of the issue, the panel will guide us through which industry segments will be most affected, as well as discussing potential risk mitigation strategies, in order to prepare for a more litigious future.

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    Law Society of Ontario: 15th Solo and Small Firm Conference2021-06-10Toronto

    Breakout Two (11:25 am - 12:15 pm) - Planning for Absences from Your Practice

    At some point in your legal career, you may want or need to take time away from your practice. Whether

    for parental or mental health leave, illness or medical leave, or to be a caregiver for others, the need

    to step away from law can be expected (or unexpected). There are steps that you can – and should –

    take to prepare for this type of situation. Find out how you can use appropriate systems when the need

    for a leave arises. Hear about how you can reduce the risk and anxiety that may come with taking an

    extended leave from practice. Hear what our speakers have done to keep their practices going when

    they were faced with these challenges themselves.

     

    Moderator: The Honourable Kathleen Erin Cullin, Superior Court of Justice

    Panelists: Kadey Schultz, Schultz Frost LLP

    Jennifer Mathers McHenry, Mathers McHenry & Co.

     

    MORE ABOUT THIS EVENT

    Unconscious Bias in the Medical and Legal Professions2020-10-07Toronto

    Join the Medico-Legal Society of Toronto for a robust skill-building session and panel discussion moderated by Kadey B.J. Schultz:

    Virtual ORIMS2020-10-06Toronto

    HOW ARE WE DOING? 

    A Glance Into How Service Providers Are Meeting Service Challenges Under COVID Conditions

    Panel: Kadey Schultz, Schultz Frost LLP; Jeff Reitsma 30 Forensic Engineering; and Michael Alwin, Sedgwick

    Moderator: Ginette Demers, Director, Domtar

    Insurance Institute of Ontario: Fireside Chat2020-04-28Hamilton

    Insurance Institute of Ontario: Fireside Chat

    Moderated by Kadey Schultz

    Whether you're an organizational leader or rising insurance professional, you'll gain a deeper awareness and appreciation for key issues impacting your organization, including:

    • Mergers and acquisitions
    • The ongoing evolution of EDI
    • The hard market
    • Anticipated regulatory changes
    • The threat/opportunity of InsurTech
    • What's keeping executives up at night


    7:30 - 10:30 am

    Michaelangelo’s Banquet Hall, Hamilton

     

    3rd Motor Vehicle Litigation Summit2020-04-02Toronto

    Practitioners who do motor vehicle litigation work need one program where they can receive a comprehensive review of all things relevant to their practice. This summit has become that core program for many. Turn to these experienced presenters for an update on LAT procedures, causation, the impact of cannabis legalization, plus much more. It's time well spent.

    Cannabis: Damages Issues

    • Medical v. Recreational
    • Causation issues re: impairment
    • Psychological effects, cognition
    • Overlap with brain injuries and psychological post traumatic issues
    • Tort, Accident Benefit and Private Insurer funding

    Moderator: Jennifer Hoffman

    Panellists:    Tanya Harris & Kadey Schultz

    Donald Lamont Learning Centre, 130 Queen Street West, Toronto

    11:30 am – 12:00 pm

     

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    Osgoode Professional Development: Expert Evidence In Personal Injury Cases 20202020-03-04Toronto

    Expert Evidence and Future Care Reports: Valuable Tool Or Irritant?

    11:35 a.m. – 12:15 p.m.

    Osgoode Professional Development Centre,
    1 Dundas St. W., 26th Floor Toronto, ON

     

     

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    A Couple Years in: Has #MeToo Changed how we do Business?2020-02-27Kitchener-Waterloo

    Hosted by the OIAA: Kitchener-Waterloo

    A Couple Years in: Has #MeToo Changed how we do Business?

     

    Golf’s Steakhouse, 598 Lancaster Street West, Kitchener, ON

    OIAA Holiday Party2019-12-11Toronto

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    2019 Unconscious Bias Conference2019-11-12Toronto

    Join Insurance and Legal industry leaders at the highly anticipated 2019 Unconscious Bias Conference and immerse yourself in a thought-provoking curriculum which was designed to provide delegates with the following key take-aways to bring back to their respective organizations:

    • Understand how to recognize and define unconscious and gender biases in the workplace
    • Know how to use practical tools to address instance of bias in a positive and proactive manner
    • Appreciate how diversity greatly benefits places of work, and what values a diverse leadership team brings to an organization + much more

    November 12th, 2019 | The Advocates’ Society | Toronto

    250 Yonge Street, Suite 2700, Toronto, ON


    8:30am – 9:00am Registration/Breakfast
    9:00am – 4:30pm (keynote, sessions, panels)
    4:30pm Closing Remarks
    4:45pm-6:00pm Cocktail Hour / Networking
        *Lunch will be provided*

    This program contains 6 hours of EDI Professionalism Content as approved by the Law Society of Ontario.

    MORE ABOUT THIS EVENT

    Medico-Legal Society of Toronto: Brain Injury - Diagnosis, Treatment, Litigation2019-10-24Toronto

    CIP Society 2019 Symposium West2019-08-22Cambridge

    Designed by insurance professionals for insurance professionals, CIP Society Symposium West is a full day of progressive learning aimed at increasing your skills and knowledge level.

    Now in it's fourth year, the event provides a full day of professional and leadership development alongside multiple networking opportunities with insurance and business leaders.

    Symposium West is held for insurance professionals in the Southwestern Ontario, Hamilton/Niagara and Conestoga chapter areas. It brings together bright minds to give talks that a idea-focused and on a wide range of subjects, to foster learning, inspiration and wonder – and provoke conversations that matter.

    The event features:

    • Inspiring keynote speakers
    • Insightful seminar sessions • Senior leadership panel: Up Close & Personal • Unparalleled networking opportunities

     

    UP CLOSE AND PERSONAL: SENIOR LEADERSHIP PANEL

    Join these senior industry leaders 'Up Close and Personal':

    Steve Smith | President & CEO, Farm Mutual RE
    Donna Ince | Senior Vice President, Personal Insurance, RSA Canada
    Tracey Medeiros | Senior Vice President, National Operations, Gallagher
    Greg Smith | Chief Client Officer | Crawford & Company (Canada) Inc.

    Moderator: Kadey Schultz - Partner, Schultz Frost LLP

     

    https://www.insuranceinstitute.ca/en/institutes-and-chapters/Ontario/Symposium-West

    MORE ABOUT THIS EVENT

    University of Windsor - The Business of Law2019-06-23Windsor

    A special thank you to the following professionals for making The Business of Law: Start as you Plan to Continue, such a success!

    Music Heals 20192019-06-20Toronto

    RIMS 2019 - Cyber Resilience with Social Media and Digital DNA: Managing Risk from the Inside Out2019-04-30Boston

    Cyber Resilience with Social Media and Digital DNA: Managing Risk from the Inside Out

    Kadey Schultz, Schultz Frost LLP

    Keith Elliott, Reed Research Inc.

    As you experience a live hack and the investigation debriefing, get to know the cyber risks as well as the risk management resources available to you through skilled use of social media and digital DNA.

    Better understand social media, its relation to cyber crime and internet-based claims issues. Reconsider your social media and anti-fraud strategies from technical, investigative and litigation perspectives.

    Prepare to reduce risk from inside users, guide investigations and manage claims.

    Learning Objectives:

    - Link a concrete, adaptive and consistently applied social media policy to its value in reduced risk
    - Adopt an action plan for social media and cyber investigations based on emerging case law
    - Line up the right tools for timely, cost-effective cyber resilience

     

    Boston Convention & Exhibition Center
    415 Summer Street, Boston, MA 02210

    April 30, 2019, 11:00 am

     

    MORE ABOUT THIS EVENT

    Excellence and #MeToo: What to Learn and What to Do? 2019-04-11Toronto

    The Impact of Concussions on Children and Adolescents2019-02-05Toronto

    Over the last few years, increased focus on the effects of concussion and brain injury have led to new assessment technologies as well as improved treatment and management approaches.

    Join us to hear Canada’s leading experts in this developing field for a discussion of today’s art, science and law.

    Co-chaired by Kadey Schultz, Schultz Frost LLP and Dr. David Corey, Brain Scan Inc.

    Featuring Dr. Nick Reed, Head of Concussion Program, Holland Bloorview Kids Rehabilitation Hospital

    “Concussion and Neuroimaging: Making the Invisible – Visible”

    Dr. Alain Ptito, Senior Neuroscientist, McGill University

    “Managing Concussion from a Legal Perspective”

    Alison Burrison, Burrison Law
    Jason Frost, Schultz Frost LLP

    Vantage Venues

    150 King Street West, 27th Floor

    Toronto

    5:00 to 8:00 pm

     

    MORE ABOUT THIS EVENT

    CyberSleuths2018-11-21Toronto

    Join us for lunch with leaders in the industry!

    Wednesday November 21, 2018, 12:00 pm to 4:30 pm

    Above E11even, Meeting Room

    15 York Street, Toronto

    If you are:

    a) an insurance adjuster or manager who uses Social Media and Internet Investigations as part of your claims
    assessment;

    b) an adjuster handling Cyber Risk or Cyber Crime matters;

    c) a professional who wants to enhance your ability to access digital DNA; or

    d) a broker with interest in fraud, misrepresented claims and Cyber Risk,

    then this is the seminar for you!

    Enhance your understanding of where we are today in this ever-evolving field. Gain insights into what tools are
    available to you, how Cyber investigations have developed and the legal uses & implications.

    Not yet invited? Please contact John.Good@ReedResearch.com by Wednesday November 7, 2018.

    CDL Accident Benefits Fall Classic2018-11-01Toronto

    Kadey Schultz presents "Best Practices for Efficient Use of the LAT" with Cecil Jaipaul and Jasmine Daya at the 2018 CDL Fall Classic.

     

    MORE ABOUT THIS EVENT

    RIMS Canada - CyberSleuth2018-09-24St. John's

    St. John's Convention Center, 3:00 pm

    For risk managers and other insurance professionals who want to enhance their ability to access digital DNA and learn more about social media, cyber crime and other internet based claims issues.

    Takeaways:

    Live hack experience re: social media to show scope of investigation.
    Case law update re: scope of social media usage in the Canadian courts.
    Walk away with tangible action plan and strategy for social media and cyber investigations for risk and claims management.

    Speakers:

    Kadey Schultz, Managing Partner, Schultz Frost LLP
    Kevin Ripa, President, Computer Evidence Recovery Inc.
    Keith Ellioitt, Vice President, Reed Research Ltd.

    MORE ABOUT THIS EVENT

    2018 CIP Society Symposium West - 'Challenge Everything: Transform the Norm'2018-08-23Cambridge

    Designed by insurance professionals for insurance professionals, CIP Society Symposium West is a full day of progressive learning aimed at increasing your skills and knowledge level.

    Now in its fourth year, the event provides a full day of professional and leadership development alongside multiple networking opportunities with insurance and business leaders.

    Symposium West is held for insurance professionals in the Southwestern Ontario, Hamilton/Niagara and Conestoga chapter areas. It brings together bright minds to give talks that a idea-focused and on a wide range of subjects, to foster learning, inspiration and wonder – and provoke conversations that matter.

    Kadey B.J. Schultz, along with Charles Gluckstein, presents "Autonomous Vehicles and Ethical Considerations":

    Autonomous vehicles are on the road. Within the next five years we should expect fleets to be taken over by AVs, first with a safety driver on board, then with no driver at all. In ten years, AVs will be regularly available to personal consumers. As an industry, are we ready and positioned for this seismic shift? From the way Ontario’s automobile legislation, regulations and policies are framed, to our adjusting, liability and litigation management, many changes need to be made.

    Later in the day, Kadey moderates the "Up Close and Personal: Senior Leadership Panel" with:

    Monica Kuzyk  |  Vice President Claims, Curo Claims Services
    Paul MacDonald  |  Executive Vice President, Personal Insurance, Economical
    Tim Shauf  |  President & CEO, Commonwell Mutual
    Dave Smiley  |  President & CEO, UNICA Insurance

    Join us for the post conference Ice Cream Social and earn some RIBO credits while hearing from experts and industry leaders!

    Thursday, August 23, 2018, 8 am to 4 pm

    Ontario Mutual Insurance Assocation

    350 Pinebush Road, Cambridge, ON  N1T 1Z6

     

     

    MORE ABOUT THIS EVENT

    CDL Young Lawyers Conference2018-06-18Toronto

    Kadey Schultz joins a panel discussing practice managment for young (and old) defence lawyers.

    Music Heals 7!2018-06-13Toronto

    The 7th Annual Music Heals Fundraiser for the Biggar Endowment for Muscular Dystrophy at Holland Bloorview Kids Rehab Hospital.

     

    Wednesday June 13, 2018

    7:00 pm to Midnight

     

    Adelaide Hall

    250 Adelaide St. W.

    (Entrance at rear of Duncan St.)

     

    Tickets are only $75

    Donations and tickets are available here: www.hollandbloorview.ca/musicheals

     

     

    Women in Insurance Conference - 'Getting to Your Why'2018-05-15Toronto

    Kadey Schultz is the Keynote Luncheon Speaker at the inaugural Women in Insurance Conference.

    Kadey's speech "Getting to Your Why: Maximizing Gifts and Talents in a 'Giving Back' Industry", explores why alignment and authenticity are critical to successful leadership and asks whether it is possible to master the balance between professional, community and family life.

    Be inspired and engage with today's women of influence & emerging leaders in insurance.

     

    Vantage Venues

    150 King St. W., Toronto

     

    8:45 am - 4:00 pm

     

    Get more information and buy tickets here: http://www.women.insurancebusiness.ca/event-details

    OIAA Mock Trial 2018-04-11Richmond Hill

    The Annual OIAA April Meeting and Toronto Delegate Elections includes a mock trial and panel discussion with Schultz Frost LLP.

     

    Sheraton Parkway Toronto North Hotel & Suites

    600 Highway 7 East, Richmond Hill

     

    12:00 to 4:00 pm

     

    For more information, see the OIAA's website: https://www.oiaa.com/events/april-meeting-toronto-delegate-elections/

     

    Law Society of Ontario Motor Vehicle Litigation Summit 20182018-03-27Toronto

    Kadey Schultz will be presenting an Accident Benefits Case Law Update on Day 2 of this year's Motor Vehicle Litigation Summit.

     

    Law Society of Ontario

    Donald Lamont Learning Centre

    130 Queen Street West, Toronto

     

    8:30 am to 1:30 pm

     

    For further information or to purchase tickets, please visit the Law Society of Ontario's website: https://store.lsuc.on.ca/motor-vehicle-litigation-summit-2018-day-two

     

     

     

    Insurance Institute of Ontario - 'Fireside Chat' Breakfast2018-02-21Hamilton

    Kadey Schultz returns to moderate an exciting panel discussion with Brooke Hunter, Laurie Walker and Jason Arbuckle.

    Topics include:

    - Canada/US border issues; insurance crosses the border

    - Marijuana; agriculture, related distribution, pricing

    - Leadership; today's workplace

    - Cyber

    Wednesday, February 21, 2018

    8:00 am to 10:30 am

    Michaelangelo's Banquet Hall, 1555 Upper Ottawa, Hamilton

    Cybersleuths - The Latest Insights in Investigation, Forensics and the Law2017-11-14Toronto

    Schultz Frost LLP and Reed Research are proud to present Cybersleuths: a day long conference for Insurance Adjusters, ADR Specialists, Claims Managers and other claims professionals who want to enhance their ability to access digital DNA and learn more about Cyber Risk, Cyber Crime and other internet based claims issues.

    Tuesday, November 14, 2017

    10:00 am to 4:30 pm

    The Gardens Room

    Real Sports Bar and Grill

    15 York Street, Toronto

    If you use social media and internet investigations as part of your claims handing and would like to attend the conference, please email Kadey Schultz at kschultz@schultzfrost.com for your free invitation and RSVP link.

    Crawford Canada Women's Leadership Lab2017-09-13Kitchener

    Kadey is delighted to be speaking at Crawford Canada’s Women’s Leadership Lab, discussing women in insurance, entrepreneurialism, momentum, diversity and disruptive philosophies, with a touch of humour and a ton of candour. 

    Please reach out to Kadey at kschultz@schultzfrost.com for more information on this program and her leadership engagements.

    Music Heals 6!2017-05-24Toronto, ON

    A big thank to those who joined Schultz Frost LLP at the 6th Annual Music Heals Fundraiser this year. $43,000 was raised this year on the last night of the Hard Rock in Toronto!

    It has been 6 years since Kadey's son Emery was diagnosed with the terminal neuromuscular disease Duchenne Muscular Dystrophy. With your help all proceeds will go to the Biggar Endowment for Muscular Dystrophy at Holland Bloorview Kids Rehabilitation Hospital to help all the boys with DMD live their best lives – maybe even long lives.

    When:
    Wednesday, May 24, 2017
    7 p.m. – Midnight

    Where:
    The Hard Rock Café
    279 Yonge StreetToronto, ON M5B 1N8 

    Entertainment By:
    The Doubts

    Your $75 admission includes a drink ticket and appetizers. There will be a silent auction table with great prizes.

    A tax receipt for $50 per ticket will be emailed to you once you complete your purchase.

    Tickets can be purchased on-line at www.hollandbloorview.ca/musicheals and a tax receipt will be emailed to you immediately.


    The same website has a donation link if you are unable to attend but wish to support this cause.

    To make a donation to the silent auction, please contact Joy at: jstothers@schultzfrost.com

    2017 OIAA Provincial Conference 2017-05-04Waterloo

    Join us in Waterloo on May 4, 5 & 6 for the 2017 OIAA Provincial Conference!

     

    Kadey B. J. Schultz joins the SABS and LAT Panel Discussion - Is This What Anyone Expected?

    Moderated by OIAA Past President Catherine Groot, the panel will discuss the impact of the no fault changes and the currect state of Accident Benefits in Ontario.

    9:15 am - 10:15 am on May 5, 2017

     

    The Inn of Waterloo & Conference Centre

    475 King Street North

    Waterloo, ON

     

     

    MORE ABOUT THIS EVENT

    CIAA Ontario Chapter - Things that Keep an Auto Adjuster up at Night: Sweet Dreams are just around the Corner 2017-04-20Toronto

    Kadey B. J. Schultz leads a strategic discussion about the pressing adjusting issues that haunt our dreams and awake us in the middle of the night.

    Learn how to anticipate, prevent, de-escalate and strategize your way to 8 hours of uninterrupted ZZZs.

     

    Thursday, April 20, 2017 from 9:00 am - 1:00 pm

    Sheraton Toronto Airport Hotel and Conference Centre
    801 Dixon Rd., Toronto, Ontario

    Breakfast and Registration open at 8:30 am

    Advocates Society 2017-04-07Toronto

    Kadey B.J. Schultz presents "License Appeal Tribunal Advocacy"

    The presentation and provocative discussion will cover:

    • An Overview of the LAT: How Did We Get Here?
    • Top Cases and Recent Trends at the LAT
    • Preparing for the Case Conference: Do’s and Don’ts
    • Best Practices in Preparing for the LAT Hearing
    • Demonstration and Commentary: Effective Advocacy at the LAT
    • The Adjudicators Speak: What You Need to Know

    Location: The Advocates’ Society Education Centre, 250 Yonge St., Suite 2700, Toronto, ON

    Seminar: 1:00 pm  – 4:30 pm

     

    MORE ABOUT THIS EVENT

    Accident Benefits 20172017-02-24Toronto

    Kadey B.J. Schultz co-chairs "Accident Benefits 2017"

    Topics Include

    • Emerging trends from early adjudication of AB claims at the LAT and the decisions it has released so far
    • Strategies arising in response to the combining and reduction of available benefits
    • Best approaches to case conferences, motions and adjudications under the new system
    • Overcoming pitfalls in information/document production and examinations under oath under the SABS
    • How to comply with s.33 notice requirements, and what to do if they aren’t satisfied
    • Understanding the new CAT definition – and using it to your advantage
    • Suing the insurance broker – a neglected source of recovery?
    • Getting the tribunal’s decision reviewed – the available processes, when each is available, and why to choose one over another

    Location: Osgoode Professional Development, 1 Dundas St. West, 26th Floor, Toronto ON

    Registration: 8:30 am

    Seminar: 9:00 pm – 4:45 pm

     

    MORE ABOUT THIS EVENT

    Successful Advocacy in Tort and Personal Injury Mediations2017-02-15Toronto, ON

    Kadey B.J. Schultz co-presents "Your Relationship with the Mediator" at the Osgoode Hall Successful Advocacy in Tort and Personal Injury Mediations

    The presentation and provocative discussion will cover:

    • Must you avoid disclosing your strategy to the mediator?
    • How much candour can you afford?
    • Can/should you 'hide behind the mediator'?

    Location: Osgoode Professional Development, 1 Dundas St. West, 26th Floor, Toronto, ON

    Seminar: 10:55 am - 11:35 am

    OIAA Trade Show and Conference 2017-01-31Toronto

    Kadey B.J. Schultz presents "Accident Benefits, A Year in Review:There's no going back so let's make the most of the LAT"

     

    Location: Metro Toronto Convention Centre, Constitution Hall, Room 201BD, Toronto, ON

    Seminar: 9:00 am - 10:00 am

     

    MORE ABOUT THIS EVENT

    The Ontario Insurance Adjusters Association Seminar2016-10-20Durham

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

     

    Location: Deer Creek Golf, 2700 Audley Rd, Ajax

    Registration: 11:30 a.m. Lunch 12:00 pm

    Seminar: 12:30 p.m. – 3:30 p.m.

     

    MORE ABOUT THIS EVENT

    Canadian Defence Lawyers2016-10-06Toronto

    Join Kadey B.J. Schultz for her presentation on "Top 10 AB Cases of 2016" at CDL Accident Benefits Fall Classic.

     

    Location: Hilton Toronto 145 Richmond Street West, Toronto, ON

    Registration: 8:30 am

    Seminar: 9:00 am to 4:00 pm

    Attendees will earn 5 - 6 hours of substantive CPD Credits

    MORE ABOUT THIS EVENT

    The Ontario Insurance Adjusters Association Seminar2016-09-26Niagara-on-the-Lake

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

     

    Location: Redstone Winery, 4245 King Street, Beamsville

    Seminar: 11:00 a.m. - 4:00 p.m.

     

     

     

    The Ontario Insurance Adjusters Association Seminar2016-09-20Barrie

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

     

    Location: Barrie Country Club, 635 St Vincent Street, Barrie

    Registration: 9:00 a.m. 

    Seminar: 9:30 a.m. - 12:30 p.m.

     

     

     

    The Ontario Insurance Adjusters Association Seminar2016-05-17Thunder Bay

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

    Date and Time: Tuesday, May 17, 2016 (1-4 pm)

    Location: DaVinci Centre, 340 Waterloo St S, Thunder Bay, ON P7E 6H9

    Phone:(807) 623-2415

    Broker attendees will earn 2.5 RIBO credits

     

     

     

    The Ontario Insurance Adjusters Association Seminar 2016-04-26Belleville

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

     

    Location: Travelodge Hotel, 11 Bay Bridge Rd, Belleville, ON

    Registration: 9:00 am

    Seminar: 9:30 am - 12:30 pm

     

     

    Canadian Independent Adjusters Association 2016-04-21Toronto

    Join Kadey B.J. Schultz for her presentation on "Ontario Auto Reform: Much like the game of Blackjack, strategy is everything. Learn whether to Split, Double or Hit" at the April 21 Canadian Independent Adjusters Association event in Toronto.

    The 1/2 day event will also include a presentation by Keith Elliott of Reed Research, focusing on the Changing Environment of Insurance Investigation, using Social Media and Cyber Tools to your advantage. 

     

    Location: Sheraton Toronto Airport Hotel and Conference Centre, 801 Dixon Rd., Toronto, ON

    Breakfast and Registration: 8:30 am

    Seminar: 9:00 am - 1:00 pm

     

     

    Hamilton Law Association/OIAA - Joint Insurance Seminar2016-04-19Hamilton

    Join Kadey Schultz and a talented group of presenters for this day long program which provides 5 substantive and 1.5 professionalism CPD hours.

    As part of the morning session, Kadey and Claire Wilkinson provide an overview of the regulatory changes to the Ontario no fault system and discuss the transition from FSCO/ADR to the Licence Appeals Tribunal (LAT).

    Location: The Hamilton Convention Centre, 1 Summers Lane, Hamilton

    Registration: 7:45 a.m.

    Seminar: 8:00 a.m. - 3:30 p.m.

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    The Ontario Insurance Adjusters Association April Seminar2016-04-13Toronto

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process and provides 2.5 RIBO credits for RIBO licencees.

    Location: The Grand, 225 Jarvis Street, Toronto

    Registration: 12:30 p.m.

    Seminar: 1 - 4 p.m. 

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    2016 WICC Ontario Gala Dinner2016-04-06Toronto

    Join us at the Gala Celebration of WICC's 20th Anniversary!

     

    Founded in 1996, the Women In Insurance Cancer Crusade's mandate is to mobilize the Canadian Insurance Industry in the fight against cancer by focusing on cancer research, support and education.

    Over $11,000,000 has been raised to date for cancer research, with a focus on breast and prostate cancer.

    Schultz Frost LLP is honoured to have supported WICC over the years and we look forward to another successful Gala event with our friends and colleagues. 

     

     

     

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    The Ontario Insurance Adjusters Association April Seminar 2016-04-04London

    Kadey B.J. Schultz and Jason Frost present "You Can't Always Get What You Want, but if you try sometimes, you just might get... the LAT, new SABs and a working definition or two". 

    The presentation and provocative discussion will cover:

    The substantive and procedural changes to the SABS June 1, 2016;

    The new LAT rules and how insurers from the adjusting level up can lead the transition from FSCO to the LAT; and

    The definition changes planned for catastrophic impairment, NEBs and the Minor Injury Guideline.

    This program is designed for adjusters, independent adjusters, examiners, ADR specialists, lawyers and all experts involved in the SABS process.

    Location: The Lamplighter Inn, 591 Wellington Road S., London

    Registration: 1:30 p.m.

    Seminar: 2 - 5 p.m. 

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    Dynamic Functional Solutions SABS Seminar 20162016-04-01Mississauga

    The "Dynamic SABS Seminar 2016" is a full day program designed for adjusters, insurers, medical practitioners and lawyers, with a strong focus on the amended definition of catastrophic impairment.

    Kadey B.J. Schultz will lead a lively and provocative discussion focusing on the legal and process issues at play with the new definition of catastrophic impairment: How many kicks at the CAT do we need to get it "right"?

    In the subsequent panel with Willie Handler and Dr. Michael Hanna, Kadey will discuss and debate all of the changes that will affect the accident benefits industry and the proactive management of SABS claims.

    Location: Mississauga Grand Banquet and Event Centre, 35 Brunel Road, Unit 7, Mississauga

    Agenda:

    8:00 a.m.: Registration & Breakfast
    8:30 a.m.: Welcome & Introduction
    8:30 a.m.: Dr. Mohammed Ranavaya 
    10:30 a.m.: Coffee Break
    10:45 a.m.: Dr. Mohammed Ranavaya continued
    12:00 p.m.: Lunch
    1:00 p.m.: Dr. Michael Hanna 
    1:45 p.m.: Willie Handler
    2:30 p.m.: Afternoon Coffee Break
    2:45 p.m.: Kadey Schultz
    3:30 p.m.: Panel Discussion
    4:00 p.m.: Mix & Mingle

    Register here: http://www.dynamicfunc.com/Registration.php

     

    Ontario Insurance Institute (Hamilton) - Fireside Chat2016-02-25Hamilton

    Moderator: CEO Roundtable

    Location: Michaelangelo's Banquet Hall, 1555 Upper Ottawa Street, Hamilton

    Date and Time: February 25, 2016, 8:00 am to 10:30 am

    Kadey Schultz moderates a fireside chat with Donna Ince (Senior Vice President, RSA), Duane Sanders (President and CEO, Travelers Canada) and Ed Forbes (CEO, Dufferin Mutual) on hot insurance topics such as digital and direct distribution, technological changes (internet, autonomous vehicles) and the consumer-centric focus of insurance products.

     

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    Medico-Legal Society of Toronto - Kitty/CAT: The New and the Old2016-02-24Toronto

    Speaker: Kitty/CAT The New and the Old

    Location: 20 Toronto Street, Toronto

    Date: February 24, 2016

    Join the Medico-Legal Society's 6th annual program on catastrophic impairment.

    Kadey Schultz presents the top 5 CAT cases and an expert panel, including Dr. William Gnam, Dr. Arthur Ameis and Dr. Bruce Paitich, provides their insight into the new catastrophic impairment definition.

    Register at: http://www.mlst.ca/?page=197

    Osgoode PD: Accident Benefits 20162016-02-19Toronto, ON

    Kadey co-chairs this full-day professional development seminar devoted to the latest caselaw, legislative developments (the implementation of the LAT and SABS changes effective June 1, 2016) and practice tips for effectively presenting an accident benefits case on behalf of applicants or insurers.

    Register now at: osgoodepd.ca/accidentbenefits or click the below link.

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    OIAA Claims Conference2016-02-03Toronto, ON

    Speaker: Accident Benefits: Just when you think you've got it...

    Location: Metro Toronto Convention Centre

    Date: Wednesday, February 3, 2016

     

     

     

     

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    OBA Institute: The Times They are a-Changin': The Impact of Societal and Technological Advancements on Insurance Law2016-02-02Toronto, ON

    Speaker: Cyber Risk in Canada: What to Watch Out for, and How to Be Prepared

    Location: 20 Toronto Street, 2nd Floor, Toronto

    Date: February 2, 2016, 8:45 am - 11:45 am

    The recent Ashley Madison data breach once more highlighted the fact that cyber losses are a very real threat for businesses and the demand for cyber risk insurance products has insurers looking at their potential coverage exposures for privacy risks and data loss.

    Hear about the emerging legal issues and get the information your need to properly advise your clients.

     

     

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    Osgoode PD: Succeeding on Mediations2015-10-29Toronto, ON

    Faculty: Succeeding on Mediations: A Toolbox for Advocates

    Location: Osgoode Professional Development,  1 Dundas Street West, 26th Floor, Toronto

    Date: October 29-30, 2015

     

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    2015 RIMS Canada Conference2015-09-28Quebec City, QC

    2015 RIMS Canada Conference 

    Session:  1B: Don't Let Them Eat Your Lunch - The Prevention Method… for Cyber Risk

    Palais des Congres de Quebec,  Quebec City

    Date & time of session: Monday, September 28, 13:45-14:45

    Session Coordinator:  Kadey B.J. Schultz, LL.B., LL.M

     

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    OSOT Conference 20152015-09-26Kingston, ON

    Speaker: What's Trending in the Auto Insurance Sector

    Location: The Ambassador Hotel and Conference Centre, Kingston, ON

    Date and time: September 26th, 10:30 am

     

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    The Insurance Institute of Ontario2015-09-18Sudbury, ON

    Speaker: AB/BI - The Latest Trends, Legal Decisions & Best Practices

    Location: Days Inn, 117 Elm Street, Sudbury, ON, P3C 1T3

    Date and Time: September 18, 2015 9:00 a.m. - 4:00 p.m. EST

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    WP Digital: Kadey Schultz on #MeToo (OIAA April Recap)
    by Kadey Schultz 2019-04-15
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    READ SUMMARY

    Presenting the April 2019 OIAA Recap of WP Digital: Kadey Schultz on #MeToo

    It's not by Accident that an Assault is not an Accident
    by Kadey Schultz 2017-04-19
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    READ SUMMARY

    Arbitrator Musson confirms an assault is an intervening event breaking the chain of causation between the use of the vehicle and the injuries suffered by the Applicant.