Standard Accident Benefits

Income Replacement

This benefit will partially compensate you for loss of your income if you cannot work because of injuries sustained in a car accident; there is a one week waiting period.

• Income replacement benefits are 70% of gross weekly income to a max of $400/wk
• If purchased, levels can be increased to $600, $800 or $1000/wk

Caregiver Care

This benefit would respond to a person providing full time care to a dependant and can no longer provide this because of injuries sustained in a car accident.

• If the injury is non catastrophic, there is no compensation
• If the injury is catastrophic, the policy will provide $250/wk + $50/wk for each additional dependant
• If purchased, coverage will respond even if the injury is non catastrophic  

Dependant Care

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

• The standard policy does not include coverage
• If purchased, coverage will provide $75/wk for 1st dependant, $25/wk for each additional to a maximum of $150/wk. (not applicable if receiving the Caregiver Benefit)

Housekeeping and Home Maintenance

This benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties if you cannot due to a car accident

• If the injury is non catastrophic, there is no compensation
• If the injury is catastrophic, the policy will provide up to $100/wk
• If purchased, coverage will respond even if injury is non catastrophic

Medical, Rehabilitation

Medical & Rehabilitation covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g. Physiotherapy, prescriptions) for injuries sustained in a car accident that are not covered by OHIP or your disability insurance plan.

• If you sustain a minor injury in a car accident, the maximum that will be paid out is $3500
• If the injury is non minor but non catastrophic, the policy will pay to a maximum of $50,000.
• If purchased, and the injury is non minor but non catastrophic, coverage is increased to $100,000

Attendant Care

Attendant Care pays for an aide to look after you if you have been seriously hurt in a car accident.

• No coverage is provided if the injury is minor
• If the injury is non minor but non catastrophic, the limits are $3000/mth to $36000 max.
• If the injury is catastrophic, the limit is $6000/mth to  $1,000,000 max.
• If purchased, and the injury is non minor but non catastrophic, coverage may be increased to $72,000

Medical, Rehabilitation, & Attendant Care

If purchased, these specific coverages would increase by $1,000,000.

Increased Death and Funeral

Death Benefits are lump sum payments made if you have lost a spouse, or dependant in a car accident; funeral benefits provide reimbursement for funeral expenses.

• standard death benefit is $25,000 to surviving spouse or same sex partner and $10,000 to surviving dependants; if purchased, this benefit can be doubled ($50,000 and $20,000)
• standard funeral benefit is $6000; if purchased, this benefit may be increased to $8000

Indexation Benefit

If purchased, certain benefits will increase on an annual basis to reflect the change in inflation.