Work Comp Talk Podcast

Work Comp Talk Podcast
Work Comp Talk Podcast

Work Comp Talk features enlightening conversations with amazing people surrounding the workers’ compensation industry. Lawyers, Workers’ and Union folk, Fitness Experts, Doctors and Work Coaches are just an example of the amazing people we feature. Wouldn’t it be nice if you could easily get the best ideas from the people that make up this community? That’s what Work Comp Talk is all about. Each week, we give you the best of the community.

  1. 19 THG 11

    Ep.96 Top Red Flags Claims Adjusters Look for in California Workers' Compensation

    In this episode #96 of Work Comp Talk, host Carmen welcomes Bilal back to discuss important red flags in the California Workers' Compensation system that claims adjusters look for. ☎️ Need help with your Workers' Comp? Call our team 800-606-6999. Schedule your free, confidential consultation here:   https://pacificworkers.co/book-your-appointment/ The discussion underscores the importance of promptly and accurately reporting injuries, maintaining detailed records, and being fully transparent with doctors to protect one’s credibility. Through the lens of a hypothetical worker named Maria, Carmen and Bilal illustrate how even minor inconsistencies can significantly affect the outcome of a claim.  They explore key scenarios, such as delays in reporting injuries, the absence of witnesses, and the potential fallout from engaging in activities that contradict injury claims—particularly when shared on social media. Additionally, they highlight the risks of failing to report injuries before termination, which can result in claims being denied entirely.  Practical advice includes keeping thorough documentation, being honest about one’s condition, and ensuring all forms are completed accurately. By addressing these common pitfalls, Carmen and Bilal provide injured workers with essential insights to navigate their claims effectively and safeguard their benefits.  The hosts aim to provide injured workers with the knowledge to manage their claims effectively and avoid pitfalls that could jeopardize their benefits. 🌐 Sponsor:     This episode is sponsored by Pacific Workers, Northern California’s leading law firm for injured workers.   🔔 Subscribe to Work Comp Talk Podcast for more insights on navigating the California's workers' compensation system and stay updated on our latest episodes! Don't forget to follow us on our other Youtube Channel Pacific Workers as well for additional tips and resources.  #WorkersCompensation #WorkCompTips #InjuryClaims #WorkplaceInjuries #CaliforniaWorkersComp #ReportInjuries #CredibilityMatters #ClaimRedFlags #AvoidMistakes #SocialMediaWarning #WorkersRights #CompensationTips #WorkCompHelp Chapters-  00:00 Introduction to Work Comp Talk 00:32 Reintroducing Bilal and Podcast Series Update 01:26 Understanding Red Flags in Workers' Comp 02:01 Maria's Story: A Hypothetical Case 04:08 Importance of Reporting and Documentation 06:29 Inconsistencies and Their Impact 16:20 Post-Termination Claims and Red Flags 18:35 Social Media and Surveillance Concerns 24:40 Conclusion and Final Thoughts **********************************************************   This video is for educational purposes and does not constitute legal advice. There is no attorney-client relationship formed through interactions with this video. While examples may be given, Prior Results do not guarantee a similar outcome.     For proper legal advice and analysis of your case, call to set up a free consultation at 800-606-6999. This is attorney advertising. Pacific Workers, The Lawyers of Injured Workers, 333 Hegenberger Rd, Suite 751, Oakland, CA. 94621.

    27 phút

  2. 10 THG 11

    Ep.95 Can I Choose My Own Doctor for Workers' Comp in California?

    In episode #95 of Work Comp Talk, Carmen Ramirez sits down with Workers’ Comp Attorney David Mojica to discuss if you can choose your own doctor within the California's Workers' Compensation System. This is one of the most asked questions injured workers ask.  ☎️ Need help with your Workers' Comp? Call our team 800-606-6999. Schedule your free, confidential consultation here:   https://pacificworkers.co/book-your-appointment/ Some of the questions they address are: Is it legal to consult your personal doctor for work-related injuries and what are the financial implications of doing so, and the benefits of sticking with doctors within the Medical Provider Network (MPN)? The discussion then shifts to what injured workers can do if they are unhappy with their current MPN doctor, including the process for changing doctors and the complexities involved in rural areas where specialized care may be limited. They also emphasize the vital role of attorneys in navigating the workers' compensation system, helping ensure that insurance companies comply with laws and don't take advantage of injured workers. Real-life examples are shared, including a case where an insurance company was sanctioned for failing to fulfill their obligations, highlighting the potential penalties and sanctions for non-compliance. This episode is an essential listen for anyone navigating the complexities of workers' compensation in California, it provides valuable insights and actionable tips to ensure fair treatment and adequate compensation. 🌐 Sponsor:     This episode is sponsored by Pacific Workers, Northern California’s leading law firm for injured workers.   🔔 Subscribe to Work Comp Talk Podcast for more insights on navigating the California's workers' compensation system and stay updated on our latest episodes! Don't forget to follow us on our other Youtube Channel Pacific Workers as well for additional tips and resources.  #WorkersCompensation #CaliforniaLaw #InjuredWorkers #WorkInjuryRights #MedicalProviderNetwork #WorkersCompDoctors #KnowYourRights  #WorkersCompLaw #DoctorChoice #WorkCompTalk #CaliforniaWorkersComp 🎥 Chapters-  00:00 Introduction and Welcome 00:29 Today's Topic: Using Your Own Doctor 01:25 Legal Implications and Costs 02:32 Benefits of Workers Comp Doctors 08:03 Changing Doctors Within the NPN 11:03 The Importance of Having an Attorney 13:59 Penalties and Sanctions for Insurance Companies 20:36 Final Thoughts and Advice **********************************************************   This video is for educational purposes and does not constitute legal advice. There is no attorney-client relationship formed through interactions with this video. While examples may be given, Prior Results do not guarantee a similar outcome.   For proper legal advice and analysis of your case, call to set up a free consultation at 800-606-6999. This is attorney advertising. Pacific Workers, The Lawyers of Injured Workers, 333 Hegenberger Rd, Suite 751, Oakland, CA. 94621.

    23 phút

  3. 27 THG 10

    Ep.94 What Every Firefighter Should Know About Workers' Comp?

    ☎️  Need help with your Workers' Comp? Call our team at 800-606-6999.  Schedule your free, confidential consultation here:     https://pacificworkers.co/book-your-appointment/ Episode #94 is all about Firefighters. Host Carmen Ramirez and Attorney Shane McKay from Pacific Workers explore the intricacies of the California's workers' compensation system, with a special focus on firefighters.  Learn about the common injuries firefighters face, such as PTSD, knee injuries, and the legal rights and benefits available to firefighters. Shane shares his journey from being on the criminal defense to aiding injured workers and offers invaluable advice.   · Navigating the claims process  · Understanding presumptions for conditions like cancer  · Overcoming obstacles to gain proper compensation.   · Temporary Disability  · Wage Replacement  · Settlements  · Union Support  Don’t miss out on this conversation jammed packed with tips and insights designed to help firefighters maximize their injury claims and ensure fair treatment. Connect with us through comments, questions and subscribe for more valuable content.  🌐 Sponsor:       This episode is sponsored by Pacific Workers, Northern California’s leading law firm for injured workers in Northern California.     🔔 Subscribe to Work Comp Talk Podcast for more insights on navigating the California's workers' compensation system and stay updated on our latest episodes! Don't forget to follow us on our other Youtube Channel Pacific Workers as well for additional tips and resources.    #WorkCompTalk #InjuredWorkers #WorkersCompensation #Podcast #WorkplaceInjury #CaliforniaWorkers #FirefighterRights #InjuredWorkers #FirefighterInjuries #PTSDRecovery #FirefighterHealth #CancerPresumptions #DisabilityClaims   🎙Listen On:   Spotify:   https://shorturl.at/YJpC1   Apple Podcasts:   https://shorturl.at/hsZSo   Amazon Music:   https://shorturl.at/b6r0T   iHeart:   https://shorturl.at/a371e   Deezer:   https://shorturl.at/oElDn    🎥 Chapters-   00:00 Introduction and Guest Welcome 00:27 Shane McKay's Career Journey 01:49 Challenges in Workers' Compensation 05:01 Focus on Firefighters 06:06 Common Injuries and Legal Protections 14:04 Navigating the Workers' Comp System 15:53 Navigating Authorization Delays 16:16 Documenting Work-Related Conditions 16:56 Understanding Presumptions in Workers' Compensation 19:21 Tips for Firefighters on Claiming Benefits 21:03 Salary Continuation and Wage Replacement 24:52 Settlement Processes in Workers' Compensation 28:55 Avoiding Double Dipping in Benefits 31:47 The Value of Legal Representation 34:22 Conclusion and Final Thoughts  **********************************************************     This video is for educational purposes and does not constitute legal advice. There is no attorney-client relationship formed through interactions with this video. While examples may be given, Prior Results do not guarantee a similar outcome.     For proper legal advice and analysis of your case, call to set up a free consultation at 800-606-6999. This is attorney advertising. Pacific Workers, The Lawyers of Injured Workers, 333 Hegenberger Rd, Suite 751, Oakland, CA. 94621.

    35 phút

  4. 20 THG 10

    Ep.93 Why did the CA Workers' Compensation Deny My Case?

    In episode #93 of Work Comp Talk, host Carmen is joined by Michael Ulrich, Managing Attorney at Pacific Workers, for an in-depth exploration of the intricacies of workers' compensation in Northern California. Whether you're new to workers' comp or currently navigating the system, this episode is packed with essential information and practical advice to help you understand the complexities involved. 🌐 Sponsor:     This episode is sponsored by Pacific Workers, the leading law firm for injured workers in Northern California.   ☎️ Need help with your Workers' Compensation case?   Call us now at 800-606-6999   Or schedule your free, confidential consultation here:   https://pacificworkers.co/book-your-appointment/  Michael and Carmen begin by addressing one of the most common frustrations injured workers face: denied claims. They discuss the reasons why claims are often rejected, shedding light on common pitfalls that can lead to denial, such as incomplete documentation, inaccurate medical reports, or procedural errors. If you've experienced a denial, you're not alone, and this episode outlines the steps you can take to appeal successfully. Gain valuable insights into managing and appealing workers' compensation denials effectively and understand the importance of professional help in ensuring your claim progresses smoothly.  Empower yourself with essential tips for successfully navigating the system, and stay informed with future episodes featuring more expert advice from Pacific Workers. Don't forget to leave your questions for the ongoing Ask Bilal series and subscribe for updates on new content. 🔔 Subscribe to Work Comp Talk Podcast for more insights on navigating the California's workers' compensation system and stay updated on our latest episodes! Don't forget to follow us on our other Youtube Channel Pacific Workers as well for additional tips and resources.  #WorkCompTalk #InjuredWorkers #WorkersCompensation #Podcast #WorkplaceInjury #CaliforniaWorkers #PermanentDisability #InjuryLawyer #WorkplaceSafety #KnowYourRights #CompensationClaims #PacificWorkers #Podcast  🎙Follow Us:  Spotify:  https://shorturl.at/YJpC1  Apple Podcasts:  https://shorturl.at/hsZSo  Amazon Music:  https://shorturl.at/b6r0T  iHeart:  https://shorturl.at/a371e  Deezer:  https://shorturl.at/oElDn  🎥 Chapters-  00:00 Introduction and Guest Introduction 00:38 Understanding Workers' Compensation Denials 02:17 The QME Process Explained 04:19 Challenging QME Opinions 05:27 Additional Resources and Encouragement 06:08 Other Denial Scenarios in Workers' Comp Claims 06:54 Understanding Treatment Requests in Workers' Comp 07:24 The Appeal Process for Denied Treatments 08:16 Independent Medical Review (IMR) Explained 08:52 Navigating Paperwork and Appeals Without an Attorney 11:27 The Benefits of Hiring a Workers' Comp Attorney 13:34 Conclusion and Next Steps **********************************************************   This video is for educational purposes and does not constitute legal advice. There is no attorney-client relationship formed through interactions with this video. While examples may be given, Prior Results do not guarantee a similar outcome.   For proper legal advice and analysis of your case, call to set up a free consultation at 800-606-6999. This is attorney advertising. Pacific Workers, The Lawyers of Injured Workers, 33 Hegenberger Rd, Suite 751, Oakland, CA. 94621.

    14 phút

  5. 13 THG 10

    Ep. 92 Permanent Disability in Workers' Comp: Attorney Tips You Can Trust

    In episode #92 of Work Comp Talk, host Carmen Ramirez sits down with Workers’ Comp Attorney David Mojica from Pacific Workers, The Lawyers for Injured Workers, to discuss the intricacies of complicated system of workers' compensation in California. Together, they reveal some of the common complexities and misconceptions that injured workers often face when navigating the system.   🌐 Sponsor:    This episode is sponsored by Pacific Workers, the leading law firm for injured workers in Northern California.   ☎️ Need help with your Workers' Compensation case?   Call us now at 800-606-6999   Or schedule your free, confidential consultation here:  https://pacificworkers.co/book-your-appointment/  David shares his extensive experience dealing with workers' compensation cases, offering great insights into key issues such as permanent disability ratings and how they are calculated, the limitations of workers' comp coverage, and the important distinction between workers' compensation benefits and state disability insurance.  Throughout the conversation, Carmen and David emphasize the critical role that legal assistance can play in ensuring that injured workers receive the full benefits they are entitled to. They also share a particularly challenging case, highlighting the difficulties injured workers may encounter and how proper legal representation can make a significant difference in the outcome.   Whether you're an injured worker or someone interested in understanding California's workers' compensation system, this episode is enriched with valuable information that can help guide you through the often-overwhelming process of pursuing compensation after a work-related injury. Don’t miss this deep dive into the world of workers’ comp with one of the leading attorneys in the field!  🔔 Subscribe to Work Comp Talk Podcast for more insights on navigating the California's workers' compensation system and stay updated on our latest episodes! Don't forget to follow us on our other Youtube Channel Pacific Workers as well for additional tips and resources.  #WorkCompTalk #InjuredWorkers #WorkersCompensation #Podcast #WorkplaceInjury #CaliforniaWorkers #PermanentDisability #InjuryLawyer #WorkplaceSafety #KnowYourRights #CompensationClaims #PacificWorkers #Podcast  🎙Follow Us: Spotify: https://shorturl.at/YJpC1 Apple Podcasts: https://shorturl.at/hsZSo Amazon Music: https://shorturl.at/b6r0T iHeart: https://shorturl.at/a371e Deezer: https://shorturl.at/oElDn  🎥 Chapters- 00:00 Welcome to Work Comp Talk 00:16 Meet David, the Workers' Compensation Attorney 01:10 Understanding Workers' Compensation 02:38 Real-Life Case Example: Beryllium Poisoning 06:23 Permanent Disability Explained 07:20 The Role of Qualified Medical Examiners (QME) 11:42 Comparing Different Workers' Comp Cases 14:01 Understanding Workers' Compensation vs. Lawsuits 14:53 Benefits of Workers' Compensation 16:07 Common Misconceptions About Workers' Compensation 17:24 State Disability vs. Workers' Compensation 19:50 Eligibility and Employment Status 22:09 Employer Fraud and Legal Rights 23:59 Real-Life Case: Employer Denies Employment 29:02 Legal Advice and Conclusion  **********************************************************   This video is for educational purposes and does not constitute legal advice. There is no attorney-client relationship formed through interactions with this video. While examples may be given, Prior Results do not guarantee a similar outcome.   For proper legal advice and analysis of your case, call to set up a free consultation at 800-606-6999. This is attorney advertising. Pacific Workers, The Lawyers of Injured Workers, 33 Hegenberger Rd, Suite 751, Oakland, CA. 94621.

    30 phút

  6. 6 THG 10

    Ep.91 Best of Work Comp Talk Part 7: Settlements, Trials and More

    Welcome to Work Comp Talk, the podcast #91 is dedicated to all injured workers in California! 🎙️ In this special "Best of Work Comp Talk" episode, we’re bringing you some of the most insightful discussions from our previous episodes, focusing on a topic that comes up time and time again—settlements in workers’ compensation cases. If you've ever wondered what happens when a workers’ comp settlement offer is on the table and you’re unsure whether to accept it or go to trial, this episode is for you! Sponsor:    This episode is sponsored by Pacific Workers, a leading law firm for injured workers. Learn more at pacificworkers.com   Stay Connected:   Don't forget to like, comment, and subscribe for more episodes of Work Comp Talk Podcast. Hit the notification bell to stay updated on our latest content!   🔗 Resources:   Visit Pacific Workers: https://www.pacificworkers.com/   Visit Pacific Workers YouTube Channel: @pacificworkers   #WorkersCompensation #WorkmansComp #InjuredWorkers #Attorney #InjuryLawyers #PacificWorkers #WorkplaceInjury #IndustrialMedicine #LawAndMedicine #LegalFees  Many injured workers face the difficult decision of whether to accept a settlement offer or take their chances by going to trial. But what are the real risks involved? And why would anyone choose the uncertainty of trial when there’s an offer on the table? Host Carmen and workers’ compensation attorney Bilal Qasim break down these critical questions to help you understand the pros and cons of accepting or rejecting a settlement. The episode also delves into common misconceptions about what is and isn’t covered in workers’ compensation. From pain and suffering to psychological stress, many injured workers are surprised to learn that certain types of damages they may expect from personal injury lawsuits aren’t available in workers’ comp. We also touch on the changes to vocational rehabilitation benefits and how job retraining programs have been significantly reduced over the years. Key Discussion Points in This Episode: What happens when a settlement offer is made, and why might someone choose to reject it? What are the risks of going to trial? Could you lose everything, or is there still hope for an appeal? Common reasons why cases are denied and end up in trial, such as medical opinions, legal barriers, or conflicts between you and your employer. What judges can and cannot do: Debunking the myth that a judge can give you more money than the insurance company offers—learn about the true limitations in workers’ comp cases. The emotional aspect of going to trial: Why some injured workers feel the need to "fight for more," even when the outcome is uncertain. Appeals process: What happens if you go to trial and lose—can you appeal the decision? Why people often feel they’re not compensated enough, even after a "successful" settlement. Whether you're just starting your claim or seeking ways to improve your current situation, this episode offers essential insights. Don't miss out on this comprehensive guide to navigating the workers' comp system.  Join the Conversation! Have a question about workers' compensation settlements? Drop it in the comments below, and we’ll cover it in future episodes. We’re here to provide injured workers with the knowledge and support they need to make informed decisions. Don’t forget to subscribe to our channel for more episodes of Work Comp Talk, and check out our previous podcasts for in-depth discussions on workers’ compensation topics that matter most to you. Your feedback helps us create content that truly serves injured workers across California. Thank you for listening! Chapters: 00:00 WCT Ep 91 - BEST OF - Part 7 01:02 Should You Accept a Workers Comp Settlement Offer? 06:20 What is NOT Covered in Workers Comp?

    13 phút

  7. 29 THG 9

    Ep.90 Best of Work Comp Talk Part 6

    Welcome to Work Comp Talk. In this special 'Best of Work Comp Talk' episode #90, host Carmen highlights top discussions and expert advice on navigating workers' compensation claims in California. This episode highlights the importance of connecting with a dedicated attorney and understanding the role of Qualified Medical Evaluators (QMEs) and Agreed Medical Evaluators (AMEs). The discussion covers navigating claims, settlement strategies, the significance of medical buyouts, and why it’s crucial to seek legal counsel. Sponsor:    This episode is sponsored by Pacific Workers, a leading law firm for injured workers. Learn more at pacificworkers.com   Stay Connected:   Don't forget to like, comment, and subscribe for more episodes of Work Comp Talk Podcast. Hit the notification bell to stay updated on our latest content!   🔗 Resources:   Visit Pacific Workers: https://www.pacificworkers.com/   Visit Pacific Workers YouTube Channel: @pacificworkers   #WorkersCompensation #WorkmansComp #InjuredWorkers #Attorney #InjuryLawyers #PacificWorkers #WorkplaceInjury #IndustrialMedicine #LawAndMedicine #LegalFees  If you’re facing difficulties with your workers' compensation claim, this episode is a must-listen. In this episode, Carmen emphasizes the importance of selecting the right attorney and QME (qualified medical evaluator) to ensure you receive the maximum benefits from your claim.  Additionally, the discussion sheds light on common misconceptions about becoming wealthy through workers' compensation and the realistic expectations injured workers should have. Insurance companies aim to minimize their long-term financial risk, and understanding how settlements and medical buyouts work can significantly impact the outcome of your claim.  The podcast also addresses the often lengthy and frustrating process of QME evaluations and provides strategies for getting the most out of your workers' comp case. Listeners are encouraged to engage with the content by checking the episode description for links to the full episodes referenced, and subscribing for more in-depth discussions. Plus, there's exciting news about the upcoming Season 5, which promises to bring more knowledge, diverse viewpoints from guest co-host attorneys, and stories from various members of Pacific Workers.  Whether you're just starting your claim or seeking ways to improve your current situation, this episode offers essential insights. Don't miss out on this comprehensive guide to navigating the workers' comp system.  Like, subscribe, and leave your questions in the comments to get even more personalized advice. Together, let's make sure you get the compensation you deserve. Chapters: 01:29 Don't Settle for Less 05:07 Understanding AME`s and QME`s 09:18 Medical Buyout in Workers Comp

    14 phút

  8. 22 THG 9

    Ep.89 Best of Work Comp Talk Part 5

    This podcast episode #89 of Work Comp Talk is dedicated to injured workers in California, sponsored by Pacific Workers, The Lawyers for Injured Workers.  Host Carmen introduces 'The Best of Work Comp Talk Series' and highlights key discussions around workers' compensation claims in California. This episode delves into the complexities of money settlements, the valuation of workers' comp cases, and the role of primary treating physicians. The guests, including Dr. Jamozby, Donnie Cho, and Dr. Morley, share their expertise on primary treating physicians, nurse case managers, utilization reviews, and the challenges of getting treatments authorized. They also address common roadblocks injured workers face and provide valuable tips for navigating the system effectively. Sponsor:     This episode is sponsored by Pacific Workers, the leading law firm for injured workers in all of Northern CA. Check them out at: https://www.pacificworkers.com/   Stay Connected:    This podcast continues to thrive because of the community’s support. Please like, comment, and subscribe. Hit the notification bell to stay updated with our latest content!    🔗 Resources:    Visit Pacific Workers: https://www.pacificworkers.com/    Visit Pacific Workers YouTube Channel: @pacificworkers      *Topics Covered:* ### Discussion on Money in Workers' Compensation Cases: Carmen and Bilal discuss how money is added to a case, settlements, and the valuation of workers' comp cases. Understanding the ratings for permanent disability and how these influence compensation. ### Penalties and Sanctions: Exploring what penalties and sanctions are within the workers' compensation system. Discussion on late payments, temporary disability, and permanent disability checks and the penalties for late settlements. ### Role of Healthcare Professionals in Workers' Compensation: Introduction of Dr. Jamozby, Donnie Cho, and Dr. Morley, who discuss their backgrounds and roles in the workers' comp system. Explanation of primary treating physicians, nurse case managers, and physician assistants. Challenges faced in getting treatments authorized due to utilization reviews and other bureaucratic hurdles. Impact of utilization reviews on patient care and treatment authorization processes. Tune in to gain comprehensive knowledge on navigating these multifaceted issues and stay updated on upcoming episodes with fresh perspectives and expert co-hosts. For more detailed discussions and expert advice, make sure to subscribe to our channel and hit the notification bell so you never miss an update. Let's empower injured workers with the knowledge they deserve! Chapters: 01:29 Never Accept the First Workers Comp Offer 07:34 Penalties and Sanctions 13:45 Exploring Healthcare Professionals in Workers' Compensation

    26 phút
Xem tất cả (97)

Xếp Hạng & Nhận Xét

5
/5
4 Xếp hạng

Giới Thiệu

Work Comp Talk features enlightening conversations with amazing people surrounding the workers’ compensation industry. Lawyers, Workers’ and Union folk, Fitness Experts, Doctors and Work Coaches are just an example of the amazing people we feature. Wouldn’t it be nice if you could easily get the best ideas from the people that make up this community? That’s what Work Comp Talk is all about. Each week, we give you the best of the community.

Thông Tin

  • Nhà sáng tạo
    Work Comp Talk Podcast
  • Năm hoạt động
    2020 - 2024
  • Tập
    97
  • Xếp hạng
    Thô tục
  • Bản quyền
    © 2020
  • Trang web chương trình
    Work Comp Talk Podcast

Có Thể Bạn Cũng Thích

Bạn cần đăng nhập để nghe các tập có chứa nội dung thô tục.

Luôn cập nhật thông tin về chương trình này

Đăng nhập hoặc đăng ký để theo dõi các chương trình, lưu các tập và nhận những thông tin cập nhật mới nhất.
Chọn quốc gia hoặc vùng

Châu Phi, Trung Đông và Ấn Độ

Châu Á Thái Bình Dương

Châu Âu

Châu Mỹ Latinh và Caribê

Hoa Kỳ và Canada