AUTO: SECTION 4: ACCIDENT AND BENEFITS Flashcards

1
Q

Section 4: ACCIDENT AND BENEFITS

A

covers expenses not covered by OHIP regardless who is at fault (conditions secct.4.4):

  • medical rehab
  • attendant care
  • income replacement benefits
  • death and funeral benefits (add on)
  • catastrophic injuries caregiver benefits
  • housekeeping/home maintenance
  • dependant care benefit (add on)
  • indexation benefit- Must buy
  • tort deductible
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2
Q

Accident benefits coverage before and after June 2016

A

Prior to June 2016:

Non catastrophic

  • medical and rehab: $50,000
  • Attendant care: $36,000

Catastrophic:

  • Medical and rehab: $1,000,000
  • attendant care: $1,000,000

After June 2016:

Non catastrophic:

  • medical and rehab and attendant care: $65,000 (reduced)

Catastrophic:

  • medical and rehad and attendant care: $1,000,000
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3
Q

Accident benefits coverage:

Income Replacement Benefits (IRB)

A
  • weekly income up to $400 1 week after accident
    • AFTER TRIAL: potentially 100%
  • 70% of gross income up to $400/wk max
  • can inccrease to $600, $800, $1000 a week
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4
Q

Accidents benefit coverage:

Medical and rehab and attendant care

A

Prior to June 2016:

Non catastrophic

  • medical and rehab: $50,000
  • Attendant care: $36,000

Catastrophic:

  • Medical and rehab: $1,000,000
  • attendant care: $1,000,000

After June 2016:

Non catastrophic:

  • medical and rehab and attendant care: $65,000 (reduced)

Catastrophic:

  • medical and rehad and attendant care:
  • $1,000,000
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5
Q
A
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