If you or a loved one has been injured in an automobile accident in Ontario, you are most likely looking into what coverage you have through your insurance company.
In Ontario, accident benefits are available to Ontario drivers. Whether you are at fault or not in the accident, your Ontario insurance policy will provide you with certain accident benefits. One accident benefit that you may need is Caregiver Benefits. If before your accident you were providing full-time care to dependants and you no longer can as the result of your automobile accident, you may be eligible for caregiver benefits in the instance that you need to hire someone to step in, take over and care for your dependants. The maximum amount for caregiver benefits is $250 each week for one dependant, and another $50 each week for each additional dependant.
Catastrophic injury and caregiver benefits
The caregiver benefits are available to catastrophically injured accident victims. In the event that you have suffered a serious injury but are not deemed to be catastrophically injured ,you may still access caregiver benefits if you have purchased the “top up” and extended your accident benefits coverage. These additional accident benefits are optional benefits and may not be for everyone.
As an Ottawa personal injury lawyer, I meet with people everyday who have purchased the additional accident benefits and have had to use them. In a time of need, they can make all the difference. If you are wondering whether or not you can receive these accident benefits, give us a call and we can help you figure it out. After an accident, figuring out your best options in Ontario accident benefits is the last thing you need. It’s time to focus on yourself, your family and recovering. You owe it to yourself.
Ontario Accident Benefits Caregiver Benefits
Injury and Insurance Lawyers in Ottawa Ontario.
Unfortunately Ontario accidents happen every day. When someone is involved in an accident they typically need to access their accident benefits through either their insurance company or the insurance company of the at fault driver. One of the accident benefits that is most often needed is the medical, rehabilitation and attendant care benefits.
The typical maximum amount for medical and rehabilitation expenses, (physiotherapy, chiropractic treatment, dental expenses, etc..) is $50,000 if your injuries are deemed to be non-catastrophic. If you are deemed to have catastrophic injuries, the standard maximum is $1,000,000 in medical, rehabilitation or attendant care benefits . The standard maximum for attendant care is $36,000. If you are catastrophically injured, the standard maximum is $1,000,000.
Additional optional benefits can be purchased through your insurance company and can cover up to $100,000 or $1,100,000 in medical and rehabilitation expenses as well as $72,000 or $1,072,000 in attendant care expenses, and up to $3,000,000 in combined medical, rehabilitation and attendant care expenses for any one deemed to be catastrophically injured.
While OHIP covers medical visits, it does not cover all health care expenses. If your accident has left you with serious injuries, chances are you will need many treatments that are not covered or partially covered by OHIP such as physiotherapy, chiropractor, mobility devices (crutches, wheelchairs), home modifications, car modifications and other goods and services. These additional medical, rehabilitation and attendant care benefits can make all the difference.
Most serious injuries such as brain injuries, spinal injuries and amputations are permanent and require hundreds of thousands of dollars in treatments and equipment on an ongoing basis. It may even be possible, depending on the severity of your injury that you require attendant care 24 hours/day, 7 days/week.
Having all the benefits available to you when you need them is critical. If you are unsure of what Ontario accident benefits you need and can access, we can help you figure it out. We can sit down you and walk you through your options and help you figure out how to get maximum accident benefits.
Ontario Car Insurance Claims and Accident Benefits. Who can access Ontario benefits?
- Income Replacement: Just like it says…the income replacement benefit compensates for lost income/wages.
- Non-earner benefit: The non-earner benefit applies when you are unable to carry on a “normal life” and do not qualify for either an Income Replacement benefit or Caregiver benefit.
- Caregiver benefits: Compensation for expenses incurred when a member of your home needs care and someone is hired to care for them because you no longer can.
- Medical benefits: Covers medical expenses that occurred as a result of the injury.
- Rehabilitation benefits: Covers rehabilitation expenses incurred as a result of an injury.
- Attendant Care benefits: Covers some of the expense incurred by hiring an aide or attendant.
- Compensation for Other Expenses: These accident benefits pay for some expenses such as monies put out by family members costs in being with you during visitation and recovery. Often times some housekeeping and home maintenance is also covered , as well as lost or damaged articles during accident. ie: computer in car etc…
- Death benefits: Family members may collect this accident benefit on behalf of a deceased family member.
- Funeral benefits: These accident benefits help cover funeral expenses.
There are many more Ontario accident benefits available to Ontario drivers. If you are unsure of whether or not you are receiving everything you are entitled to from your Ontario insurance company, it is best you consult with an Ontario injury lawyer. We meet daily with people and walk them through their best options. Often times all they need is a little advice. Unfortunately most insurance companies will not tell you unless you ask and most people don’t know what to ask for. We know Ontario accident benefits inside and out we have experienced staff who specialize in Ontario accident benefits. We can help.