What are rehabilitation benefits and should you opt for additional coverage? Is it worth it? Ottawa injury lawyer David Hollingsworth gives his opinion on Ontario accident benefits.
If you own a vehicle , you must insure it in Ontario. The question is, should you also purchase all the extra additional coverage. As an Ottawa personal injury lawyer, I feel strongly about certain additional benefits that can be purchased and then others that you may not need. One additional benefit that can be purchased is an increase in rehabilitation benefits.
What are rehabilitation benefits under your Ontario accident benefits insurance policy?
Depending on your accident, injuries and the type of insurance policy you have, you may be entitled to rehabilitation benefits. Rehabilitation benefits cover the cost of expenses incurred by you or for you, as a result of injuries caused by a motor vehicle accident in Ontario. It is important to understand that the expense incurred must be as a result of the injury you sustained in the car accident, as well as being reasonable and necessary. Rehabilitation benefits are designed to reimburse accident victims for treatments and expenses related to:
• reducing and/or eliminating the disability resulting from the injury,
• assisting individuals in reintegrating into a family role or back to work,
Rehabilitation benefits cover expenses for:
• family counselling,
• rehabilitation counselling,
• financial counselling,
• employment counselling,
• vocational assessments,
• modifications to one’s workplace, home or vehicle,
• transportation to and from counselling and training sessions,
• miscellaneous items and services required for rehabilitation.
How much are you entitled to in rehabilitative benefits?
For medical and rehabilitation expenses such as physiotherapy, chiropractic services and dental services, standard Ontario insurance covers up to $50,000. For minor injuries medical and rehabilitation Ontario accident benefits are capped at $3,500. You have additional benefits that may be purchased. I recommend to all my clients that if you can afford it, opt for the additional benefits which can increase your limits to $100,000 or $1,100,000.
Rehabilitative benefits for catastrophic injuries For catastrophic injuries, the standard coverage for medical and rehabilitation expenses is $1,000,000. You may also opt for additional coverage and increase the limit by $1,000,000. Catastrophic injuries include quadriplegia, paraplegia, permanent loss of an arm or leg and total vision in both eyes.
Why might you need a treatment plan to receive rehabilitative benefits? If your injuries are more serious in nature, your insurance company may ask that an application be made which includes a treatment plan prepared by your health professional or a designated health professional. A treatment plan typically includes a description of the injuries and impairment and resulting disability from the injuries along with the goods and services to be implemented throughout the treatment. Insurance companies respond to a treatment plan within 10 business days of receiving the plan. Once the plan is accepted, your insurance company will pay for expenses within 30 days of receiving your invoices for rehabilitation. When it comes to purchasing insurance, it is tough to know what to do. As a personal injury lawyer, I always recommend to my clients that if possible to purchase the additional Ontario accident benefits. They cost a little more; however your benefits coverage increases significantly. I believe it is a decision you would not regret.
For more information on other Ontario accident benefits, visit www.ottawainjury.ca/insurance-claims/