Comparison tables of accident benefits coverage

Since June 1, 2016, you have the following options with respect to Statutory Accident Benefits. These benefits are available if you have been injured in an auto accident, regardless of who was at fault.

Medical, rehabilitation and attendant care benefits

Medical and rehabilitation benefits cover the cost of reasonable and necessary expenses, such as physiotherapy and prescriptions, that are not covered by OHIP (Ontario Health Insurance Plan) or your disability insurance plan.

Attendant care benefit pays for an aide or attendant to look after you if you have been seriously injured in an accident.

For non-catastrophic injuries

Standard benefit before June 2016

Up to $50,000 for medical and rehabilitation benefits, including assessment costs, for a duration of 10 years
and
Up to $36,000 for attendant care benefits, for a duration of 104 weeks

Standard benefit after June 2016

Up to $65,000 for medical, rehabilitation and attendant care benefits, including assessment costs, for a duration of 5 years

Options available to increase your benefits

Up to $130,000 for medical, rehabilitation and attendant care benefits, including assessment costs, for a duration of 5 years
or
Up to $1,000,000 for medical, rehabilitation and attendant care benefits, including assessment costs, for a lifetime duration

For catastrophic injuries

If you suffer an injury in an accident, you can apply for a determination of whether your injury qualifies as “catastrophic” (e.g. loss of a limb, paraplegia). If the injury qualifies as “catastrophic”, you are eligible for an increased level of benefits.

Standard benefit before June 2016

Up to $1,000,000 for medical and rehabilitation benefits including assessment costs
and
Up to $1,000,000 for attendant care benefits

Standard benefit after June 2016

Up to $1,000,000 for medical, rehabilitation and attendant care benefits, including assessment costs

Option available to increase your benefits

An additional $1,000,000 for medical, rehabilitation and attendant care benefits including assessment costs

Caregiver benefit

If you are providing full-time care to dependants and can no longer provide that care as the result of an auto accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.

Standard benefit before June 2016

Up to $250 per week for the first dependant and $50 for each additional dependant. Available only for catastrophic injuries

Standard benefit after June 2016

No change

Option available to increase your benefit

Up to $250 per week for the first dependant and $50 for each additional dependant. Available for all injuries

Housekeeping and home maintenance expenses

If you are unable to perform your usual duties due to your injuries, this benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.

Standard benefit before June 2016

Up to $100 per week. Available only for catastrophic injuries

Standard benefit after June 2016

No change

Option available to increase your benefit

Up to $100 per week. Available for all injuries

Income replacement benefit

If you cannot work as the result of an auto accident, you may be eligible for basic weekly income replacement benefits of up to $400. This benefit commences after one week.

Standard benefit before June 2016

70% of gross income up to $400 per week

Standard benefit after June 2016

No change

Options availables to increase your benefit

Weekly limit can be increased to $600, $800 or $1000 per week

Dependant care benefit

Dependant care benefit pays for additional expenses incurred to care for your dependants if you are employed and are injured in an auto accident.

Standard benefit before June 2016

Not provided

Standard benefit after June 2016

Not provided

Option available to increase your benefits

Up to $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week

Death and funeral benefits

If you die as a result of an auto accident, the death benefit provides a lump sum payout to your spouse and your dependant; the funeral benefit provides a lump sum payout to cover the cost of your funeral expenses.

Standard benefit before June 2016

$25,000 lump sum to an eligible spouse

$10,000 lump sum to each dependant

Maximum $6,000 funeral benefits

Standard benefit after June 2016

No change

Options availables to increase your benefits

Lump sum increased to $50,000 to an eligible spouse

Lump sum increased to $20,000 to each dependant

Funeral benefits increased to a maximum of $8,000

Indexation benefit

Indexation benefit is the automatic adjustment of medical, rehabilitation and attendant care benefits, the income replacement benefit, the non earner benefit and the caregiver benefit, according to the Consumer Price Index for Canada to compensate for inflation.

Standard benefit before June 2016

Not provided

Standard benefit after June 2016

Not provided

Option available to increase your benefits

Annual adjustment according to the Consumer Price Index for Canada

Still have questions?

Read all Frequently asked questions about Ontario auto insurance reforms

Learn more

Speak with an insurance agent for more information about Optional Accident Benefits coverage.

Learn more about Ontario Auto Insurance Reforms

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.