What is an OCF 6 Form ?
The importance of properly filling out the OCF 6 form when applying for Ontario Accident Benefits.
If you have been injured in a motor vehicle accident in Ontario, chances are you will need support and compensation. This support and compensation comes from insurance. Ontario Accident Benefits can also cover many expenses, supports and treatments. Ontario Accident Benefits can also cover lost wages. There is a section under Ontario Accident Benefits that are considered to “Other Expenses”. To apply for compensation for these benefits, you must complete and a detailed OCF-6 form, otherwise known as an “Expenses Claim Form”.
It’s important you try as best as possible to properly and completely fill out this form. If in doubt, consult with an experienced personal injury lawyer. At our firm, we have staff dedicated to filling out Ontario Accident Benefits Forms and can help.
Take your time filling out an OCF 6 Form
It’s important to really take your time when filling an OCF-6 Accident Benefits form. Keep a close track of lost income and other financial losses. When filing an OCF-6 Accident Benefits form remember that insurance companies are going to ask for proof. You will be required to show proof of your losses in the form of original bills and receipts. It’s important you ask for a receipt for everything you are going to claim under your insurance policy. It’s also a good idea to keep a copy of all your receipts, bills and documents and keep a copy for your records.
Know to ask for an OCF 6 Form
The OCF 6 form is not included in a“basic” Accident Benefits Application Package. Obtaining an Accident Benefits package is simple. Once you contact your insurance company, they will send you a package in the mail and you must complete it and send back within a timely manner. Be sure to ask for an OCF 6 Form as well if you have incurred other expenses. Alternatively you can download OCF Forms here.
Other Expenses refers to additional expenses that are deemed “reasonable and necessary.” These expenses must be directly related to your accident. It’s important to be honest. Falsifying an Accident Benefits application is a serious offense under the Ontario Insurance Act. No one wins with insurance fraud. There may be some expenses that are covered in other sections of your Ontario Accident Benefits. Even if an expense is covered under another benefit or insurance policy and you aren’t sure whether or not to submit it, consult your personal injury lawyer or include it and let the insurance adjuster will look at it and determine what is covered
Examples of other expenses that may be covered on an OCF 6 Form:
“Other Expenses” may include a variety of expenses as long as they are directly related to your accident. For example, typical expenses that are often included on an OCF 6 form include:
- Visitors’ travel expenses such as hotels, taxis, parking, flights
- Housekeeping and home maintenance costs. This is an optional benefit that you have hopefully purchased
- Caregiver benefit: Another optional benefit which you have hopefully opted for and purchased
- Lost, damaged clothing and personal items such as eyeglasses, hearing aids, dentures and so on
- Prescriptions, ambulance bills and personal belongings
- Assistive devices such as walkers, crutches, prostheses and wheelchairs
- Lost educational expenses such as tuition, fees
We have a team of lawyers and Accident Benefits specialists dedicated to helping you with your Accident Benefits. We can help you complete your OCF 6 forms and help you by ensuring your application is complete. There are many expenses that are covered that most people do not know about. We do.
Let us help you with your OCF 6 Form
If you would like help with your OCF 6 Form, contact one of our personal injury lawyers or accident benefits specialists free of charge and we can help you.
Ottawa Lawyers and Insurance Claims
If you have been in a motor vehicle accident in Ontario and you have suffered personal injury, you will likely need to apply for Ontario accident benefits from your own insurance company, regardless of who is at fault in the accident. Obtaining the forms is simple, simply visit the Financial Services Commission of Ontario website and download the forms. Filling out the forms properly is critical to your personal injury claim. It is always best that you get an experienced personal injury lawyer to fill out the forms for you to ensure that no loop holes are missed and that you get the maximum in compensation for your injuries. We fill out all the Ontario accident benefit forms for our clients. There is no charge for doing this, it’s simply a way to protect you and make sure that you get everything you are entitled to. The main forms in the Ontario accident benefits package:
1. Application for Accident Benefits (OCF-1)
This Application for Accident Benefits form must be completed and returned within 30 days of receiving the accident benefits package. If you are unable to return your accident benefits forms within 30 days, submit your forms late to your insurance company and provide anyway and ea detailed explanation as to why the forms are late. Your Ontario personal injury lawyer can also do this for you on your behalf. It is always recommended that you let your personal injury lawyer represent you and deal directly with your insurance company. Always keep a copy for your records.
2. Employer’s Confirmation of Income (OCF-2)
This accident benefit form needs to be filled out only if you are claiming Income Replacement Benefits. This means you were employed for at least 26 weeks in the year prior to your accident and you are unable to return to work for more than a week following your accident.
3. Disability Certificate (OCF-3)
This accident benefit form must be completed by you and your treating physicians or other health practitioner (chiropractors, dentists, occupational therapists, nurse practitioners, occupational therapists, physiotherapists, optometrists, physicians, speech language pathologists or psychologists).
4.Permission to Disclose Health Information (OCF-5)
This accident benefit form gives your insurance company full access to your medical records. Please do not fill out this form unless the adjuster handling your claim specifically requests it. Please also consider allowing your personal injury lawyer to fill out this form on your behalf. If your personal injury lawyer is representing you, they can ask your insurance adjuster which medical records are required and why.
5. Pre-approved Framework Treatment Confirmation Form (OCF-23)
This accident benefits form only needs to be filled out if your injuries fall into certain categories and you insurance company requests it.
6. Election of Income Replacement, Non-Earner, or Caregiver Benefit (OCF-10)
In most cases, you will be entitled to Income Replacement Benefit, Non-Earner Benefit and/or the Caregiver Benefit ; you can only receive one of these accident benefits. You must elect which accident benefit you wish to receive. Your personal injury lawyer will know which is the best choice for you and which accident benefit offers you maximum compensation. Let your personal injury lawyer address this with the insurance company on your behalf. This accident benefit form must also be returned no later than 30 days from the day you receive your accident benefits package. Always make a copy for your own records.
7. Application for Expenses (OCF-6)
This Ontario accident benefits form is used to submit expenses such as medication; physiotherapy, massage or other treatment approved by the insurer; babysitting; attendant care; housekeeping or home maintenance; transportation; destroyed clothing or glasses, etc. Original receipts for any claimed expenses must be submitted with this form. It is critical that you keep all receipts. In fact, I suggest you keep a “journal” of all related expenses sop that when it comes time to being compensated, nothing gets missed.
8. Activities of Normal Life (OCF-12)
If you are eligible for housekeeping, attendant care or non-earner benefits, this accident benefits form must be completed. Your personal injury lawyer will be able to explain to you whether or not you are eligible.
9. Declaration of Post-Accident Income and Benefits (OCF-13)
This accident benefit form is to be used if you are unable to work at your regular job or regular hours, but are able to partially work to some extent or get disability benefits from your work. This form can be used by your insurance company to calculate the amount of your Income Replacement Benefits. We understand that being in an accident is very stressful. Unfortunately the insurance process afterwards can also be very stressful. We as personal injury lawyers remove this stress from our clients. We fill out, submit all Ontario accident benefits forms for our clients and make sure they are done right. The reality is that one small mistake can result in the loss of thousands of dollars and we don’t want that happening to anyone. Let us help you… For more information, visit www.ottawainjury.ca.