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What are the Ontario Statutory Accident Benefits?

Anyone who is injured in a motor vehicle accident in Ontario is entitled to statutory accident benefits regardless of their role in the accident, whether or not they have insurance, and whether or not they are employed. This applies to any motor vehicle driver, motorcyclist, bicyclist or pedestrian. If you have been involved in a motor vehicle accident in Ontario, it is a good idea to become familiar with the statutory accident benefits that you are entitled to.

IRB

Income replacement benefits (IRB) are based on 70% of your current income up to a maximum of $400 per week and can last for two full years or longer, depending on the severity of your injuries.

The waiting period before IRB payments can begin is one week from the date of the accident.

If it is determined that your injuries prevent you from ever working at any kind of job for the rest of your life, then your IRB payments can be extended indefinitely.

NEB

Non-earner benefits (NEB) cover people who are unemployed at the time of their accident. The benefit offers a maximum payment of $185 per week and can last for two years, and possibly longer than that at a reduced rate, depending on the severity of your injuries.

Prior to being awarded NEB payments, there is a six-month waiting period from the date of the accident before payments can be made.

Students

Students are in a unique situation because they often rely on part-time jobs and student loans for expenses and spending money. If a student is involved in an accident, he or she is entitled to be reimbursed for up to $15,000 in expenses incurred before the accident. These expenses include tuition, room and board, books and supplies.

Students are also able to collect NEB benefits as per the NEB guidelines. One additional benefit students have is that NEB benefits can be bumped up to $320 per week if the effects of the injury are significant enough to prevent the student from continuing with a normal lifestyle after the initial two-year period.

Additional Benefits

Additional benefits, such as the cost of having in-home care as a result of the accident, and coverage for medical and rehabilitation expenses, are also available.

Other additional benefits that you should consider discussing with an insurance carrier are visitor expenses, optional caregiver benefits, optional housekeeping and home maintenance benefits, and personal property reimbursement.

  • Your closest family members can be entitled to reimbursement for expenses incurred while visiting you after an accident. Those expenses include transportation expenses, food, lodging and any other pertinent expenses incurred during the visit.
  • If you are the primary caregiver to a young child or an elderly relative, you can purchase optional benefits that will ensure they are cared for by another in the event that your injuries prevent you from performing your normal caregiving duties
  • You can also purchase additional benefits that cover the costs of having a professional cleaning company come to your home to do housekeeping duties. This applies only to accident victims that have been deemed physically unable to perform their own housekeeping duties.
  • Your insurance policy may also cover the repair or replacement of items that were damaged or lost as a result of the accident. To get the specifics of this coverage, be sure to ask your insurance carrier for details.

For assistance with a personal injury or insurance claim, please email David at dhimelfarb@himprolaw.com. To be contacted immediately call 1-855-446-7765 for a free case evaluation.

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