{"id":470,"date":"2008-11-26T21:48:48","date_gmt":"2008-11-27T02:48:48","guid":{"rendered":"http:\/\/www.cavanaghwilliams.com\/blawg\/?p=470"},"modified":"2008-11-26T21:48:48","modified_gmt":"2008-11-27T02:48:48","slug":"income-replacement-benefits-subject-to-garnishment","status":"publish","type":"post","link":"https:\/\/www.cavanagh.ca\/blog\/?p=470","title":{"rendered":"Income Replacement Benefits Subject to Garnishment"},"content":{"rendered":"<p>Mr. Justice John Cavarzan has held, in <em><strong><a title=\"Click to access reasons\" href=\"http:\/\/www.canlii.org\/en\/on\/onsc\/doc\/2008\/2008canlii60711\/2008canlii60711.pdf\" target=\"_blank\">Lease Truck Inc. v. Serbinek<\/a><\/strong><\/em>, that a creditor of an insured is entitled to garnishment of income replacement benefits. Once it receives notice of the garnishment, the insurer paying the accident benefits is obliged to pay 20% of the\u00a0IRB to the creditor. (Justice Cavarzan ruled that 80 percent of the benefit is exempt from seizure by virtue of section 7(2) of the <em>Wages Act<\/em>.)<\/p>\n<p>Counsel for the insured had relied on s. 65(1) of the Statutory Accident Benefits Schedule &#8211; Accident on or after November 1, 1996, which prohibits the &#8220;assignment of a benefit&#8221;. However, Justice Cavarzan held that a seizure or attachment was not within the s. 65 reference to &#8220;assignment&#8221;.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mr. Justice John Cavarzan has held, in Lease Truck Inc. v. Serbinek, that a creditor of an insured is entitled to garnishment of income replacement benefits. Once it receives notice of the garnishment, the insurer paying the accident benefits is &hellip; <a href=\"https:\/\/www.cavanagh.ca\/blog\/?p=470\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26,12],"tags":[],"class_list":["post-470","post","type-post","status-publish","format-standard","hentry","category-auto","category-insurance-news"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts\/470","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=470"}],"version-history":[{"count":0,"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=\/wp\/v2\/posts\/470\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=470"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=470"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cavanagh.ca\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=470"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}