The Annotated Statutory Accident Benefits Schedule, 2026 Edition

Laura Emmett is a Partner at SBA Lawyers LLP. Ms. Emmett's practice is primarily focused on accident benefits matters. After completing a Bachelor of Administrative and Commercial Studies at the University of Western Ontario, Ms. Emmett graduated from the University of Windsor’s Faculty of Law in 2007. A member of the Canadian Defence Lawyers (CDL), Ms. Emmett is the Past President (2018). She is a Bencher for the Law Society of Ontario where she chairs the Compensation Fund, serves as the Vice-Chair of the Audit and Finance Committee, and is a member of the Proceedings Authorization Committee. Ms. Emmett is also an active member of Defence Research Institute (DRI) based in the United States, where she previously served on the Board of Directors, Membership Committee, Women in the Law Steering Committee and International Committee. Laura is the past Chair of the Ontario Bar Association’s Young Lawyers Division in the Southwest Region. In 2014, Ms. Emmett was recognized as one of London’s Top 20 Under 40 by Emerging Leaders and Business London Magazine. In 2015, Laura received the CDL’s Richard B. Lindsay QC Exceptional Young Lawyer Award. In 2016, she received the Lexpert Rising Stars Award, which recognizes leaders under 40 years of age from across Canada. In 2017, she was invited to join the International Association of Defense Counsel and in 2022, she was invited to join the Association of Defense Trial Atorneys. Laura has also been recognized on the Lexpert Leading Lawyers and Best Lawyers Directories. Most recently, in 2025, she received the Windsor Law Distinguished Alumni Award.

Andrea R. Lim is a Partner at Dutton Brock LLP and has practiced in the area of insurance defence with an emphasis on first party accident benefits since 2009. Ms. Lim graduated from University of Windsor Law in 2008 and articled with Dutton Brock LLP. She also received a Master of Arts degree from Queen’s University, and her Honours Bachelor of Arts from the University of Toronto, Trinity College. Ms. Lim has authored various published articles regarding first party accident benefits in Ontario, including “My Beautiful Dark Twisted Fantasy: Combining Physical and Psychological Impairment”, Toronto Law Journal, June 2012, and “The Fine Line Between Custodial and ‘On Call’ Care”, Claims Canada, October 2012. Ms. Lim is a past President of the Medico-Legal Society of Toronto for 2024-2025, past President of the Canadian Defence Lawyers (CDL) for 2022-2023, a past-Chair of the Continuing Legal Education Committee and Diversity and Inclusion Committee of the Canadian Defence Lawyers, the recipient of the 2016 Richard B. Lindsay Q.C. Exceptional Young Lawyer Award, and the inaugural Medico-Legal Society of Toronto Dr. Grant Farrow Award in 2021. Andrea has also been recognized on the Best Lawyer Directory since 2023, and 5-Star Insurance Lawyers in 2021.