PERSONAL INJURY BENEFITS

Income Replacement Benefits

This benefit compensates for lost income if you are unable to perform the essential tasks of the job you did before the accident. The benefit is 80% of your net income before the accident. The maximum benefit is $400 per week. However, if you are covered by optional weekly income replacement benefits, the maximum benefit may be $600, $800, or $1,000 per week.

Non-Earner Benefit

This benefit compensates you if you are completely unable to carry on a normal life, and do not qualify for an Income Replacement Benefit or Caregiver Benefit. The benefit is $185 per week, but may be $320 per week if you were a student or recent graduate. The benefit begins twenty-six weeks after you become completely unable to carry on a normal life.

Caregiver Benefits

This benefit compensates you for expenses incurred if you cannot continue as the main caregiver for a person in your household such as child under age 16 or other person who needs care. The benefit pays expenses up to $250 per week, but if you provide care for more than one person, the limit is increased by $50 for each additional person. If you are covered optional caregiver benefits, the benefit pays expenses up to $325 per week and $75 per week for each additional person.

Medical Benefits

This benefit pays for medical expenses incurred as a result of your injuries. These are expenses that are not covered by any other medical plan, such as the Ontario Health Plan, or any medical plan at the workplace.

Rehabilitation Benefits

This benefit pays for some rehabilitation expenses incurred as a result of your injuries. These are expenses that are not covered by any other plan.

Attendant Care Benefit

This Benefit compensates for the expense of an aide or attendant or services provided b a long-term care facility.

Maximum Medical, Rehabilitation and Attendant Care Benefits

The maximum amount paid for medical and rehabilitation expenses combined is $100,000, with a 10 year limit, and $72,000 for attendant care benefits with a two year time limit. If your impairment is catastrophic, the maximum amount is $1,000,000 for medical and rehabilitation expenses, and $1,000,000 for attendant care expenses, with no time limits. If you are covered by optional medical, rehabilitation and attendant care benefits, an additional $1,000,000 above the basic benefits is available.

Payment of other Expenses

This benefit pays of some other expenses such as the expenses of family members in visiting you during treatment and recovery, it also pays of some housekeeping and home maintenance; the repair or replacement of items lost or damaged in the accident such as clothing, prescription eyewear, dentures, hearing aids, prostheses and medical or dental devices; and lost educational expenses. This benefit also covers the reasonable cost of examinations obtained for the purposes of the Statutory Accident Benefits.

Death Benefits

This benefit pays family members of a person killed in an automobile accident. $25,000 is paid to a surviving spouse, $10,000 to each surviving dependant, and a total of $10,000 to a person in respect of whom the deceased was a dependant. The amounts are double if you are covered by optional benefits.

Funeral Expenses

The benefit pays up to $6,000 to cover funeral expenses. The maximum amount is $8,000 if you are covered by optional benefits.

Optional Benefits

Optional benefits increase the amount of basic benefits. The y must be purchased before the accident. The optional benefits are: Increased Income Replacement; Increased Caregiver and Dependant Care; increased Medical, Rehabilitation and Attendant Care; Increased Death and Funeral, and Optional Indexation Benefit.

You should consult your Advisors to determine if you are covered by Optional Benefits.