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Speak with an insurance agent for more information about Optional Accident Benefits coverage.
STATUTORY ACCIDENT BENEFITS OPTIONS
Statutory Accident Benefits provide coverage if you're injured in a car accident, regardless of whether you're at fault or not at-fault. Here's a summary of the standard benefits and options available to increase your benefits.
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're seriously injured in an accident.
For non-catastrophic injuries
Standard benefit
Up to $65,000 for medical, rehabilitation and
attendant care benefits, including assessment
costs, for a duration of 5 years
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
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
Up to $1,000,000 for medical, rehabilitation and
attendant care benefits, including assessment
costs
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
rehabilitation and attendant care benefits
including assessment costs
Caregiver benefit
If you're providing full-time care to dependants and can no longer provide that care as the result of a car accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.
Standard benefit
Up to $250 per week for the first dependant and $50 for each additional dependant. Available only for catastrophic injuries
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
$50 for each additional dependant. Available for
all injuries
Housekeeping and home maintenance expenses
If you can't do housekeeping or home maintenance chores because of your injuries, this benefit pays for reasonable and necessary additional expenses for someone to complete chores you normally do.
Standard benefit
Up to $100 per week. Available only for
catastrophic injuries
catastrophic injuries
Option available to increase your benefit
Up to $100 per week. Available for all injuries
Income replacement benefit
If you can't work as the result of a car accident, you may be eligible for basic weekly income replacement benefits of up to $400. This benefit starts after one week.
Standard benefit
70% of gross income up to $400 per week
Options availables to increase your benefit
Weekly limit can be increased to $600, $800 or
$1,000 per week
$1,000 per week
Dependant care benefit
If you're employed and are injured in a car accident, dependant care benefit pays for additional expenses to care for your dependants.
Standard benefit
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
$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 a car accident, the death benefit provides a lump sum payout to your spouse and dependants. The funeral benefit provides a lump sum payout for funeral expenses.
Standard benefit
$25,000 lump sum to an eligible spouse
$10,000 lump sum to each dependant
Maximum $6,000 funeral benefits
Option available 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
Lump sum increased to $20,000 to each dependant
Funeral benefits increased to a maximum of $8,000
Indexation benefit
Indexation is an additional benefit that allows the following benefits to be adjusted for inflation:
- Medical, rehabilitation and attendant care benefits
- Caregiver benefit
- Income replacement benefit
- Non-earner benefit
Standard benefit
Not provided
Option available
Annual adjustment according to the Consumer Price Index for Canada
