If you were involved in a car accident in Ontario after June 1, 2016, you are then entitled to the following benefits from your own insurance company, regardless of whether you were at fault or not:
Medical Rehabilitation – chiropractic, psychological, occupational therapy and physiotherapy services; medication; prescription eyewear; dentures and other dental devices; hearing aids, wheelchairs or other mobility devices, prosthesis, orthotics or other assistive devices;
• $3,500 – Minor Injury Guideline (MIG)
• $65,000 combined with Attendant Care – Non-Catastrophic
• $1,000,000 combined with Attendant Care – Catastrophic
• If Non-Catastrophic, you are eligible for treatment for the next 5 years from the date of the accident
Income Replacement Benefit (IRB) – If you are substantially unable to do the tasks of your own employment
• Not payable for the first 7 days from the date of the accident
• 70% of Weekly Income (capped at $400 per week)
• Eligible for this benefit if for the first 2 years from the date of the accident, you are unable to do tasks of your own employment
• Eligible for this benefit after 2 year mark from the date of the accident if unable to do any kind of employment or self-employment for which you may reasonably be suited by education, training or experience
• Can take up to 1 month to begin as insurance requires various documents, in particular if you are self-employed or run your own business.
Attendant Care – help with personal tasks, for example, bathing, showering, feeding etc.
• $3,000 per month if Non-Catastrophic
• Maximum entitlement is $65,000 combined with Medical Rehabilitation
• $1,000,000 combined with Medical Rehabilitation – Catastrophic
• If Non-Catastrophic, you are eligible for treatment for the next 5 years from the date of the accident
Non- Earner – complete inability to carry on a normal life
• 4 weeks waiting period
• If eligible, then entitlement is $185 per week to a maximum of 2 years
Housekeeping
• If deemed Catastrophic – $100 per week
