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 |
$50,000 |
These benefits have been combined and reduced to $65,000 total |
Increase the benefit to $130,0002 total |
Attendant Care for non-catastrophic injuries |
$30,000 |
||
Attendant Care for catastrophic injuries |
$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 |
$1,000,000 |
||
Medical and Rehabilitation for catastrophic 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 |
|---|---|---|---|
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. |
|
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. |
|
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. |
|
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. |
|
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. |
|
Not provided |
Not provided |
Annual adjustment for inflation for many benefits according to the Consumer Price Index for Canada. |
|
$200,000 minimum for claims as a result of lawsuits against you. |
No change |
Options exist to increase the minimum amount. |
|
$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. |
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