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
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
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
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
5
Q
A