Accident Benefits choices in Ontario

The benefits most affected by the recent changes are the Accident Benefits. Regardless of fault, you are entitled to these benefits when you are injured in an automobile accident.

Benefit

Current Policy

New Policy

You can choose1

Medical and Rehabilitation for non-catastrophic injuries
Attendant Care for non-catastrophic injuries

$50,000


$30,000

These benefits have been combined and reduced to $65,000 total

Increase the benefit to $130,0002 total

Medical and Rehabilitation for catastrophic injuries
Attendant Care for catastrophic injuries

$1,000,000


$1,000,000

These benefits have been combined and reduced to $1,000,000 total

An additional $1,000,000 for a total of $2,000,0002 for catastrophic injuries

Medical, Rehabilitation and Attendant Care, all injuries

Not applicable

Not applicable

Increase the combined non-catastrophic benefit to $1,000,000 and the combined catastrophic benefit total to $2,000,0002,3


1 If you have previously chosen to purchase these optional benefits check your policy – they may have changed to reflect amounts available in new options.

2 Medical, Rehabilitation and Attendant Care benefits for minor injuries are fixed at a maximum limit of $3,500.

3 If you purchase both the additional Medical, Rehabilitation and Attendant Care benefit for catastrophic injuries and for all injuries, the total eligible benefit amount for a catastrophic impairment would be $3,000,000.

Other options

The following chart lists some, but not all of the options available to purchase other additional or increased benefits and coverages. You can also choose not to increase any benefit or coverage.


Benefit/Coverage Current Policy New Policy You can choose

Income Replacement benefit

70 per cent of gross income up to $400 per week

No change

To increase the weekly limit to $600, $800 or $1,000 per week.

Caregiver benefit

Available only for catastrophic injuries: Up to $250 per week for the first dependant plus $50 for each additional dependant.

No change

To make the same amounts available in current policy for catastrophic injuries available for all injuries.

Housekeeping and Home Maintenance expenses

Available only for catastrophic injuries: Up to $100 per week.

No change

To make the same amounts available in current policy for catastrophic injuries available for all injuries.

Death and Funeral benefits

25,000 lump sum to an eligible spouse; $10,000 lump sum to each dependant; maximum $6,000 funeral benefits

No change

$50,000 lump sum to an eligible spouse; $20,000 lump sum to each dependant; maximum $8,000 funeral benefits.

Dependant Care benefit

Not provided

Not provided

Up to $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week.

Indexation benefit

Not provided

Not provided

Annual adjustment for inflation for many benefits according to the Consumer Price Index for Canada.

Third Party Liability

$200,000 minimum for claims as a result of lawsuits against you.

No change

Options exist to increase the minimum amount.

Tort Deductible

$36,905.40 deductible for court awarded compensation for pain and suffering (Jan 1 – Dec 31, 2016)

No change

Reduce deductible by $10,000 regardless of annual indexation percentage increases.