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Ottawa Insurance Claims Lawyer David Hollingsworth: SABS Accident Benefits

Ottawa accident Benefits Lawyer David Hollingsworth, Ottawa Accident Lawyers.

Who is entitled to Ontario Accident Benefits? Ontario Accident benefits are available to people suffering from personal injury in a motor vehicle accident in Ontario. Often after being discharged from an Ottawa rehabilitation centre, (The Ottawa Rehabilitation Centre, The Ottawa Hospital-Civic Campus or Elizabeth Bruyere, in Eastern Ontario) , people with personal injuries will  return to their homes only to find that their home needs modifications and their home  cannot accommodate them. The Statutory Accident Benefits Schedule (SABS) is available to motor vehicle (car accident, boating accident etc.. victims in Ontario to help with these modifications.

Accident Benefits Schedule: Typically,  Ontario car accident victims can receive accident benefits. Normally, these accident benefits are covered by the injured person’s own insurance company. However, accident benefits also provide coverage for people who do not have their own insurance. Typically, statutory accident benefits are there to replace lost wages, attendant care benefits, rehabilitation and medical benefits as well as wrongful death benefits.

Housing: The insurance company must pay the injured person for all reasonable and necessary home modifications and home devices, including communication aids. Ontario’s statutory accident benefits  permits an injured person to buy or renovate  a new home to meet his or her needs where that is the option that makes more sense than renovating an existing house. Having said that, the money alloted for the purchase of a home cannot be greater than the estimated cost of any renovations that would be needed to meet the injured victims needs.

The medical and rehabilitation benefits are supposed to pay for all reasonable and necessary expenses that arise because of the accident. Home modification comes under the medical / rehabilitation category.

After September 2010, this information will change.  For now, if the injured person did not suffer a “catastrophic impairment” as that is described in the Accident Benefit regime, the total amount of the medical / rehabilitation benefit is $100,000 and the benefits expire after 10 years from the date of the accident. If the injured person did suffer a “catastrophic impairment” the medical / rehabilitation benefit increases to $1 Million and last for the duration of the victim’s life.

Timelines: It is important you notify your insurance company that you have had an Ontario accident within 7 days of the Ontario accident, or as soon as possible, and you must complete your application for Accident Benefits within 30 days of the Ontario accident.

What is an assessment? The assessments give suggestions to assist a person who is injured how to live safely and comfortably in their home if possible. The assessment focuses on returning the person who is injured to a level of function that approaches his or her pre-accident state to the extent that that can be done safely.

People who suffer a  catastrophic injury may also need additional assessments .  The assessments will result in a report. After the report is written, another form called a “OCF 18: Treatment Plan” will be submitted to the insurance company, outlining the proposed cost of the recommendations in the report. If the OCF 18 is approved, the work can begin.

Are home modifications limited to catastrophic injuries? Sometimes.  Where the injured person has suffered personal injury that cause impairment but are on the less serious end of the spectrum, and if the renovations are not going to be extensive, an occupational therapist can perform a home assessment.

An assessment of the activities of daily living of the injured person is included in a home assessment. This assessment looks at personal care, housekeeping, home maintenance and care giving tasks. The report written by the occupational therapist will outline a list of any assistive devices and changes required to the home. For example: a  railing, raising or lowering a bed or counter or adding hip-level storage in a kitchen.

If the recommended renovations included in the report are complete, it  is submitted to the insurance company together with a Treatment Plan costing the recommendations to the insurance company for approval. If a person has serious personal injury and needs significant home modifications like ramps, additions, elevators, walls moved, a home accessibility report is required. For more information regarding Ontario insurance claims, visit www.ottawainjury.ca .

 

 

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