Options Available to Increase Your Benefits

The Medical and Rehabilitation benefit covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g. physiotherapy, prescriptions) incurred as a result of an auto accident that are not covered by OHIP or your disability insurance plan.

Medical and Rehabilitation Benefit:

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	$100,000
Catastrophic	$1,000,000

Medical and Rehabilitation Benefit PLUS Attendant Care Benefit:

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
	Medical and Rehabilitation	Attendant Care
Non-catastrophic	$1,100,000	$1,072,000
Catastrophic	An additional $1,000,000 for medical, rehabilitation and attendant care benefits including assessment costs.

The Attendant Care benefit pays for an aide or attendant to look after you if you have been seriously injured in an accident.

Attendant Care Benefit:

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	$72,000
Catastrophic	$1,000,000

Attendant Care Benefit PLUS Medical and Rehabilitation Benefit:

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
	Attendant Care	Medical and Rehabilitation
Non-catastrophic	$1,072,000	$1,100,000
Catastrophic	An additional $1,000,000 for medical, rehabilitation and attendant care benefits including assessment costs.

The Income Replacement benefit provides coverage for loss of income if you cannot work as the result of injuries sustained in a car accident. The standard level of income replacement that you may be eligible for is a weekly income benefit of up to $400.

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	Weekly limit can be increased to $600, $800 or $1,000
Catastrophic	Same as above

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.

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	Up to $250 per week for the first dependant plus $50 for each additional dependant
Catastrophic	No options available to increase

If you are unable to perform your usual duties due to your injuries sustained in an auto accident, the Housekeeping and Home Maintenance benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	Up to $100 per week
Catastrophic	No options available to increase

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.

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

Injury Type	Options Available to Increase Your Accident Benefits (Effective Sep 1, 2010 or later)
Non-catastrophic	Up to $75 per week for the first dependant plus $25 for each additional dependant up to a maximum of $150
Catastrophic	Same as above

This benefit provides the automatic adjustment of the income replacement benefit, non-earner benefit, attendant care benefit or medical and rehabilitation benefit according to the Consumer Price Index for Canada to compensate for inflation.