The amount of premiums owed on the invoice I received is different than the amount shown on my declarations page. Which amount is the correct one?

The amount of premiums owed on the invoice I received is different than the amount shown on my declarations page. Which amount is the correct one?

Both amounts are correct, however the amount shown on the Declarations page does not include PST. The full premium amount that should be remitted to LAWPRO is reflected on the premium invoice.

I want to take advantage of the early payment discount. How can I do that?

I want to take advantage of the early payment discount. How can I do that?

LAWYERS who pay their annual premiums in full, by cheque or by providing pre-authorized banking information, dated and received by LAWPRO on or before February 9 are entitled to claim the early payment discount. Deduct $54 per insured LAWYER from the invoiced amount - $50 for the discount and $4 for PST.

I just received my invoice for my insurance and see that there is a "no application surcharge" that has been applied to my account. Why was this surcharge applied and can I request that it be removed?

I just received my invoice for my insurance and see that there is a "no application surcharge" that has been applied to my account. Why was this surcharge applied and can I request that it be removed?

The 'No Application Surcharge' has been applied to your account because we did not receive your completed application by the specified deadline. This surcharge was authorized by Convocation pursuant to Rule 50 of section 62(1) of the Law Society Act, R.S.O. 1990, c. L. 8 in September, 1996 and became effective January 1, 1997. The amount of the surcharge is 30 per cent of the base premium.

As the insurance program is mandatory, Convocation preferred not to require that an application form be filed but determined that those LAWYERS who elected not to file within the prescribed time would be required to pay an increased premium that is commensurate with the risk that they represent under the program. When the historical loss costs of those who elected not to file completed application forms was compared to those who did, it was determined that those electing not to file a completed application form represented a 44 per cent greater exposure to loss under the program. Convocation and LAWPRO preferred to moderate the amount of the surcharge to 30 per cent of the base premium to reflect this greater exposure.

If you would like LAWPRO to consider removing the surcharge from your account, you must submit a completed application form along with a specific written request to service@lawpro.ca (including the reason why the application was not filed in a timely manner). The request is then forwarded to a committee which reviews your file and considers any extenuating circumstances which may explain why your application was not filed before the deadline. It is the committee's decision whether or not to waive the surcharge based on the facts of the particular situation.

How much GST is payable on my annual LAWPRO insurance premiums?

How much GST is payable on my annual LAWPRO insurance premiums?

There is no GST payable on your insurance premiums. However the eight per cent PST is applicable.

I misplaced my original invoice and declarations page that I received at the beginning of the policy period. Can I get a copy?

I misplaced my original invoice and declarations page that I received at the beginning of the policy period. Can I get a copy?

You are invited to access your original invoice and declarations page on the LAWPRO website at www.lawpro.ca. Simply log in to our secure site using your Law Society of Upper Canada number and your personal password and click on Primary Policy Docs and then choose the applicable year (e.g. 2009 Policy Documents).

I will be paying my premiums using my spouse's credit card. Do I need to fill out a special form?

I will be paying my premiums using my spouse's credit card. Do I need to fill out a special form?

If your insurance premium will be paid by a third party, other than another LAWYER in the law firm, the law firm itself, or a management or other company of the law firm, LAWPRO requires the consent of this third party authorizing the transaction and providing for the use and disclosure of personal information, in accordance with provincial privacy legislation. A third party includes the spouse of the applicant LAWYER or the spouse of another LAWYER in the firm; a non-lawyer employee of the law firm; or any other third party. If a third party is paying your premiums, they must complete and return to LAWPRO, by fax or mail, a copy of the Premium Payment Authorization (PPA) form. This form must be signed by the third party payor.

Due to a bank error, my premium payment for last month was not processed. How can I rectify this?

Due to a bank error, my premium payment for last month was not processed. How can I rectify this?

LAWPRO requires that you provide explicit written instructions(service@lawpro.ca) to either re-run the payment using the existing credit card or banking information that LAWPRO has on file, or provide LAWPRO with alternate payment instructions.

I want to change my payment instalment option from lump sum to monthly payments. How do I do that?

I want to change my payment instalment option from lump sum to monthly payments. How do I do that?

The option to pay by instalments is only available with a valid credit card or chequing account for automatic payments to be debited. You must file a Premium Payment Authorization form with LAWPRO Customer Service, for a new credit card or chequing account.

If changes are to be made to the payment information or instalment payment option, LAWPRO must be advised in writing (service@lawpro.ca) of such changes at least ten (10) days prior to any payment date.

My credit card was recently lost/stolen and I wish to provide LAWPRO with new payment information. How do I do that?

My credit card was recently lost/stolen and I wish to provide LAWPRO with new payment information. How do I do that?

You should complete a Premium Payment Authorization (PPA) form and return it to LAWPRO Customer Service for processing. If changes are to be made to the payment information or instalment payment option, LAWPRO must be advised in writing (service@lawpro.ca) of such changes at least ten (10) days prior to any payment date or you may prefer to complete the online Update Payment form to instantly change your credit card information on record.

I retired from the active practice of law six months ago, but forgot to file an Exemption form. If I file the Application for Exemption today, and put the effective date as of six months ago, can I get a prorated refund dating back six months?

I retired from the active practice of law six months ago, but forgot to file an Exemption form. If I file the Application for Exemption today, and put the effective date as of six months ago, can I get a prorated refund dating back six months?

A prorated refund would not be available dating back six months. No amendments to a LAWYER'S status can be made, nor any respective premium refunds issued prior to the receipt of written notification. Appreciating that some LAWYERS may take some time to file their exemption form, prorated refunds are issued relating to the 30-day period immediately preceding LAWPRO's receipt of your written notice, and any subsequent period thereafter. As you have the benefit of coverage for this period (and would have expected any claim reported during this period to be covered in the ordinary course), refunds are not issued further back than 30 days. Please note that any return of premiums arising under the LAWPRO policy is made payable to the original payor, unless otherwise requested by you and original payor in writing. Although a refund may be issued relating to the 30-day period immediately preceding LAWPRO's receipt of your completed exemption form, regretfully, for those carrying the Real Estate Practice Coverage Option, we are not able to backdate for this 30 day period.