A leg lost below the knee on Highway 401. A hand lost to faulty equipment. A crush injury that doctors could not save. An amputation changes work, home, and family life, and the costs last for decades. Ontario’s benefit rules list arm amputation, and leg amputation at or above the below-knee level, as catastrophic impairments. That designation lifts your medical, rehab, and attendant care limit from $65,000 to $1,000,000. Insurers can still dispute it. Aman Kalra at Maana Law represents injured people across Mississauga, Peel Region, and nearby Halton communities who face lasting pain, lost income, and disputed benefits. He handles amputation injury claims, car accident claims, accident benefits disputes, and tort lawsuits on a contingency fee basis.
How can we help
After an amputation, you face two battles: recovery and insurance. A 2017 clinical review found that almost half of traumatic amputations are linked to motor vehicle collisions. Insurers can dispute catastrophic status and offer less than your lifetime costs. Aman, a Mississauga amputation injury attorney, helps you apply for benefits, challenge denials, and claim for prosthetics, care, lost income, and pain and suffering.
Aman reviews your benefits and your lawsuit rights together. He files your accident benefits application, supports your catastrophic impairment application, and prepares your tort claim. He plans for prosthetics, therapy, care, and lost income over your lifetime.
Every case gets direct attention. Aman explains each step in plain words, in English or Hindi. He guides you from the first OCF form to your final settlement.
Our Services
The first 7 days shape your claim. What you record, who you call, and what you sign affect your benefits and your lawsuit.
Call 911. Paramedics will take you to the right hospital. If a body part was severed, wrap it in a clean damp cloth, seal it in a bag, and keep it cool. Do not place it directly on ice. Tell your doctors about every symptom. These records link your injuries to the accident.
If police did not attend, report the crash and ask for the report from Peel Regional Police or the OPP. Notify your own insurer within 7 days. Ontario’s no-fault system requires notice regardless of fault.
Under SABS, return your OCF-1 within 30 days of receiving the package. Medical, rehabilitation, and attendant care benefits apply to drivers, passengers, pedestrians, and cyclists. Call Aman at 437-979-4878 before the deadline.
Insurers may offer a payout early or dispute catastrophic status. Do not sign a release before a legal review. Amputation costs last for life, and a quick offer may not cover them.
Adjusters from the other driver’s insurer may call quickly. Never give a statement without legal advice. Let Aman handle insurer communication.
An amputation is the loss of all or part of a limb. It can happen at the scene (traumatic amputation) or in surgery when doctors cannot save the limb. In an Ontario claim, the level of loss can decide whether you are catastrophically impaired.
| Type of Loss | Examples | Catastrophic Status |
|---|---|---|
| Arm | Arm amputation | Listed as catastrophic |
| Leg, trans-tibial or higher | Below-knee, above-knee, hip disarticulation | Listed as catastrophic |
| Hand and fingers | Partial hand, finger loss | Not listed. The 55% whole person test may apply |
| Foot and toes | Partial foot, ankle disarticulation, toes | Not listed. The 55% whole person test may apply |
Phantom limb pain, pain in the limb that is gone, affects about 6 in 10 people with an amputation, based on a 2020 review of studies. Stump pain, loss of mobility, sleep problems, anxiety, and depression are also common. These effects are real even when they are not visible.
Proof comes from surgical and hospital records, prosthetist notes, rehab and occupational therapy reports, and physician assessments for catastrophic impairment. Consistent treatment records protect your claim.
How We Work
Yes. Pain, costs, and care needs continue long after the hospital stay. Many people focus on survival first and see the full cost later.
Surgery, wound care, and pain control come first. Shock, fear, and sleep trouble are common.
Rehab starts. Prosthetic fitting often begins once the limb heals. Phantom limb pain and stump pain may appear.
Sockets need refitting and prostheses wear out. Work, driving, and home needs may change. Anxiety or depression can develop.
Ontario's two-year limit runs from when you knew, or should have known, about your claim. Benefit deadlines are much shorter. Keep every medical record.
Texting, phone use, and GPS distraction cause crashes on Dundas Street, Burnhamthorpe Road, and across Mississauga. A distracted driver can be found at fault. Aman builds your case using police reports, witness statements, and phone records.
Speeding on Highway 401, the 403, and the QEW turns minor crashes into life-changing ones. Breaking the Highway Traffic Act can support a negligence claim for traumatic injuries, including limb loss.
Impaired driving is a serious breach of the duty of care. A civil claim is separate from any police charge. Aman pursues damages for permanent impairment and lifelong care needs.
Snow, ice, and rain on Highway 401 and Lakeshore Road cause rear-end crashes and pileups at rush hour. Bad weather does not remove liability. Drivers must slow down for conditions.
Ontario’s no-fault insurance means your own insurer pays your accident benefits, regardless of who caused the crash. You then have two tracks: accident benefits under SABS, and a tort claim against the at-fault driver. Both apply to amputation injuries.
For policies issued or renewed on or after July 1, 2026, only medical, rehabilitation, and attendant care come standard. Income replacement and other benefits depend on the coverage on your policy. Your limit depends on classification: $65,000 (non-catastrophic) or $1,000,000 (catastrophic). Aman files the OCF forms and takes denied claims to the Licence Appeal Tribunal.
SABS does not pay for pain and suffering or full income loss. A tort claim does. The injury must be a “permanent serious impairment of an important physical, mental or psychological function” under s. 267.5(5) of the Insurance Act. A statutory deductible of $47,913.01 applies to awards below $159,708.71 (2026 amounts). Income loss and future care costs carry no deductible.
Insurers apply the Fault Determination Rules (R.R.O. 1990, Reg. 668) when they assign fault after a crash. In a lawsuit, a court decides fault. If you share some fault, you can still recover. Aman reviews the evidence to challenge unfair fault assignments.
Your amputation may qualify as catastrophic if any of these apply: arm or leg amputation is listed, or combined impairments reach 55% whole person under the AMA Guides. Catastrophic status raises your benefit limit to $1,000,000.
High-force crashes on Highway 401, the 403, the QEW, and Hurontario Street can crush or sever a limb. Most traumatic amputation patients are male and aged 15 to 40, according to a 2017 clinical review.
Presses, saws, and conveyors cause severe amputations. Aman does not handle WSIB claims. If a third party, such as an equipment maker or contractor outside your workplace, helped cause the injury, a separate claim may exist.
A failed guard or a faulty tool can cost someone a hand. Property owners owe a duty of care under the Occupiers' Liability Act. For injuries on poorly repaired city roads or sidewalks, notice is due in 10 days.
Riders and walkers have no protection in a collision. Aman reviews fault, benefits, and lawsuit rights for people hit by vehicles in Mississauga and across Peel Region.
Catastrophic impairment changes the size of an amputation claim. Without it, medical, rehab, and attendant care benefits stop at $65,000. With it, they rise to $1,000,000. Insurers can still dispute the designation, so your medical evidence matters.
| Classification | Treatment Budget | Time Period |
|---|---|---|
| Non-catastrophic | $65,000 | 5 years |
| Catastrophic (arm or leg amputation, severe impairment) | $1,000,000 | Lifetime |
Your injury may qualify if any of these apply:
Arm amputation: Amputation of an arm, or total and permanent loss of use of an arm, is listed.
Leg amputation: A trans-tibial (below-knee) or higher amputation of a leg is listed.
55% whole person impairment: Physical impairments can combine to reach 55% under the AMA Guides (4th edition). This route can apply to hand, foot, and partial amputations.
Severe mental or behavioural impairment: A very severe psychological impairment is a separate route.
Aman builds your evidence from day one, with physician assessments, therapy records, and proof of daily limits.
Aman reviews your medical records, accident reports, and insurance policy. He checks fault, benefits, and catastrophic status, then builds a plan for your claim.
He collects hospital and surgical records, therapy notes, and prosthetist reports. He works with physicians, occupational therapists, and cost-of-care experts.
Aman answers early low offers with documented evidence. He negotiates for medical costs, income loss, future care, and pain and suffering.
He represents you at the Licence Appeal Tribunal and in the Ontario Superior Court of Justice if the insurer refuses a fair settlement.
You pursue compensation through two tracks: accident benefits (your own insurer) and a tort claim (against the at-fault party). Aman reviews both.
Recover costs for therapy, prosthetics, surgery, and assistive devices. The budget depends on classification: $65,000 (non-catastrophic) or $1,000,000 (catastrophic).
Income replacement depends on the coverage on your policy. For lost earning capacity, a tort claim can recover the difference. No deductible applies to income loss.
This requires a tort claim. The 2026 deductible is $47,913.01 for awards below $159,708.71. Courts cap pain and suffering awards at roughly $470,000 in 2026 dollars (an estimate). Phantom limb pain and loss of enjoyment of life support your award.
Prosthetic replacement, attendant care, therapy, home changes, and vehicle changes can run for decades. A tort claim recovers these costs with no deductible.
If your injury stops you from household tasks, claim housekeeping benefits. Family members may also claim for loss of care, guidance, and companionship under s. 61 of the Family Law Act, with a lower 2026 deductible of $23,956.52.
Yes. Ontario uses comparative negligence. Your tort award is reduced by your share of fault, but accident benefits are unaffected. Ontario’s no-fault system pays regardless of fault.
Example: 10% at fault with $500,000 in damages = $450,000 recovery, before any deductible. In a rear-end crash, the following driver is usually found fully at fault.
Act fast. Ontario gives you two years to sue, but accident benefit deadlines are much shorter.
| Deadline | Action Required |
|---|---|
| 7 days | Notify your auto insurer of the accident |
| 30 days | File your OCF-1 (Application for Accident Benefits) |
| 120 days | Give written notice of your intent to sue the at-fault driver |
| 10 days | Notify the municipality for road, sidewalk, or bridge injuries |
| 2 years | File a tort lawsuit (Limitations Act, 2002) |
For children, special rules may delay the two-year period. The clock generally runs from when you knew, or should have known, about your claim. Late notice is sometimes excused, but do not rely on it.
Your Case, Our Priority
At Maana Law, we believe in providing personalized care and attention to each case. Meet the two passionate leaders of our firm, who are dedicated to securing the best outcomes for our clients:
Aman Kalra, the founder of Maana Law, has spent his career advocating for those affected by negligence and accidents. With his deep commitment to justice and exceptional legal expertise, Aman ensures that each client receives the compensation they deserve. Fluent in both Hindi and English, Aman connects effortlessly with clients from diverse backgrounds, making him a trusted advocate in Mississauga and beyond. His leadership and the team at Maana Law share his passion for excellence in personal injury law.
Gagan is the backbone of our firm’s day-to-day operations, ensuring that everything runs smoothly for our clients. As a law clerk and office administrator, Gagan is often the first point of contact for clients and ensures their needs are met with efficiency and care. A proud alumna of Osgoode Hall Law School, she is a licensing candidate with the Law Society of Ontario. Fluent in English, Hindi, and Punjabi, Gagan bridges language barriers, making sure all clients feel understood and supported in their legal journey.
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Manna Law is located at 90 Matheson Blvd W Suite 101, Mississauga, ON L5R 3R3, Canada.
If you would like to visit our law office and are traveling by bus from downtown Mississauga, take the MiWay Bus to Square One Terminal. Then, walk west (around 5-7 minutes) to reach our office at 90 Matheson Blvd W. The approximate travel time is about 20-30 minutes.
If you are traveling by car from downtown Mississauga, head west on Dundas Street towards Hurontario Street. Turn right onto Hurontario Street, continue for a short distance, and our office will be on your left. The approximate travel time is about 5-10 minutes (depending on traffic).
We are available 24/7.
For additional questions, you can call us at +1 437-979-4878 or check our reviews on Google.
