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 |
| 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 |
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 |
| 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 |
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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.