Accident Benefits
Accident benefits are available to anyone involved in a motor vehicle accident regardless of who caused the accident. Accident benefits include income replacement benefits, medical and rehabilitation benefits, attendant care benefits and death benefits.
- In order to protect your entitlement to accident benefits:
- You must determine which insurance company should pay accident benefits
- You must provide notice to the accident benefits insurer within 7 days of the accident
- You must complete an application for accident benefits within 30 days of receiving the application package from your insurance company
- You must complete certain forms by your treating health care professional and your employer
Our experienced team of lawyers can help you obtain full and just compensation by taking all the necessary steps required to protect your rights.
Income Replacement Benefits
- The accident benefits insurer is required to pay the following weekly benefits:
- Income replacement benefits equal to 70% of your gross income, to a maximum of $400/week
- A non-earner benefit of $185/week, if you are not employed. This benefit starts 6 months after your accident
- A caregiver benefit of up to $250/week, if you were the primary caregiver for a person in need of care; plus up to $50 for each additional person requiring care
Medical and Rehabilitation Benefits
- The accident benefits insurer is required to pay for a wide range of medical and rehabilitation expenses in addition to that which is paid by OHIP to a maximum of:
- $50,000 for up to 10 years – if you suffer a non-catastrophic injury
- $1,000,000 over your lifetime – if you suffer a catastrophic injury
- If you suffer a Minor Injury, only $3,500 is available , except in certain circumstances
Attendant Care Benefits
- The accident benefits insurer is also required to pay for personal care services you may require following your accident to a maximum of :
- $36,000 ($3,000/month) for up to 2 years - if you suffer a non-catastrophic injury
- $1,000,000 ($6,000/month) over your lifetime - if you suffer a catastrophic injury
- If you suffer a Minor Injury, Attendant Care Benefits are not available
Death Benefits
- The accident benefits insurer is required to pay the following on the death of a victim:
- $25,000 to the victim’s spouse
- $10,000 to each former supported spouse
- $10,000 to each of the victim’s dependents or more if the victim had no spouse
- $10,000 to the person upon whom the victim was dependant
- Up to $6,000 for funeral expenses
Time Limits and Forms
- The following is a summary of some of the steps that must be taken to claim accident benefits:
- Determine which insurance company should pay accident benefits
- You must provide notice to the accident benefits insurer within 7 days of the accident
- Complete an application for accident benefits within 30 days of receiving the application package from your insurance company
- Your treating health care professional and your employer must complete certain forms in order for you to access benefits