OCF 6 Form and Ontario Accident Benefits

What is an OCF 6 Form ?ocf 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.


Ontario Accident Benefits Insurance Compensation. Which optional benefits should you purchase?

Ontario Accident Benefits Insurance Claims David Hollingsworth Personal Injury Lawyers.   The Ontario insurance regime is one of the most complicated insurance regimes in North America. When it comes to car insurance, you certainly don’t want to scrimp but you always don’t want to pay extra money if it’s not needed. Sadly, when it comes to choosing optional accident benefits, many people will automatically settle for basic coverage.  As an Ottawa personal injury lawyer, I can tell you, this may be a huge mistake.

Now, the truth is hopefully you will never need to access your accident benefits .  Great !  If you do however get injured in an accident, you may find yourself unable to work, injured, in a home that needs modifications and that’s when you want to make sure you have access to as much accident benefits compensation as possible. Sadly, most people don’t really know what their accident benefits insurance coverage is until they really need it.

A basic auto insurance policy in Ontario contains far less accident benefits coverage than a policy where the “top-ups” have been purchased.  Along with this decrease in benefits comes a decrease in yearly premium payments.  Many will opt for this.   I would caution you not to. I urge everyone to speak with their broker and find out what optional benefits are available to you and at what cost.

For instance the  Medical and  Rehabilitation Benefits jump from $100,000 to $50,000 or possible even $ 3,500 if you have purchased the optional benefit.

If you purchase additional accident benefits, you can be entitled to  Housekeeping Benefits and Caregiver Benefits , which have been eliminated in the basic policy.

Attendant Care Benefits are another optional benefits that can be purchased and allow you to have access to $72,000 instead of  $36,000. You may have access to additional accident benefits through your work and in this case may not require purchasing additional accident benefits.

It’s important to know what options you have and choose what’s best for you and your family.  Another important piece of information you need to know is that if you have more than one vehicle, you only need to purchase these additional accident benefits for one vehicle only.

In my opinion, the top up amounts are well worth it.  An average vehicle can purchase most additional accident benefits for under $200 a year.  That $200 a year translates to a significant amount of money if you need, when you really need it. I cannot tell you how many personal injury cases I have settled where people have given additional much need funds and they are so thankful that they purchased those additional accident benefits. Talk to your broker about what options you have and what accident benefits are available to you. To read about some of the accident benefits settlement amounts we’ve secured for our clients visit http://www.ottawainjury.ca/cases