While pre-selected coverage with mandatory and optional benefits are included in your policy, there are options which should be considered depending on your unique circumstances. 

Below is a summary of what is included in the mandatory Standard Accident Benefits Schedule (SABS), as well as the optional benefits. View or download the complete Statutory Accident Benefits Schedule from the Government of Ontario website. 

OTIP brokers are on your side 

If you are a current OTIP Insurance customer and would like to submit a change request to your policy, register or log into My Member Account through member.otip.com and visit your Home and Auto Benefits Dashboard.  

For more information about accident benefits or to review your existing policy options, please contact our OTIP Broker Service at 1-800-267-6847. 

Shopping for a new home and/or auto policy? Connect with our knowledgeable sales brokers today at 1-866-561-5559. 

Download the Statutory Accident Benefits Schedule 

Read or download the complete Statutory Accident Benefits Schedule from the Government of Ontario website. 

• Income Replacement, Non-earner, and Caregiver Benefits
• Medical, Rehabilitation, and Attendant Care Benefits
• Death and Funeral Expenses
• Other Expenses
• Other Optional Benefits

Medical, Rehabilitation, and Attendant Care Benefits 

Medical and Rehabilitation Benefit 

This mandatory benefit, included in all auto policies, covers costs of health care and rehabilitation as the result of an accident. Benefits include physiotherapy, prescriptions, chiropractic treatment, counseling, workplace and home modifications, as well as other services that are not covered by the Ontario Health Insurance Plan (OHIP) or through your group insurance plan (if applicable). Medical care and costs that qualify are listed in the Statutory Accident Benefits Schedule. 

Attendant Care 

This mandatory benefit covers the cost of an attendant should you require one to care for you, either at home or in a healthcare facility. An aide or attendant helps with things like bathing, dressing, toileting, etc. This benefit is included if you’ve been seriously injured in an auto accident for the limits shown below. 

This coverage for Medical, Rehabilitation and Attendant Care is limited to $65,000 for non-catastrophic injuries and $1,000,000 for catastrophic injuries. 

You can purchase the following increased limits: 

A. Increase coverage for non-catastrophic injuries to $130,000

B. Add “all injury” benefit at $1,000,000 for non-catastrophic injuries ($2,000,000 for catastrophic injuries)

C. Increase catastrophic injury coverage by $1,000,000 (for a total of $2,000,000)

D. Option A and C

E. Option B and C (total eligible benefit amount for catastrophic injuries at $3,000,000)

Income Replacement, Non-earner, and Caregiver Benefits 

Income Replacement (optional) 

If you are unable to work, you may qualify for income replacement benefits up to 70% of your gross income, capped at $400 per week with the option to increase your coverage up to $1,000 per week. The following chart helps identify your income replacement needs. 

* If you have other income replacement assistance available (e.g. sick leave from an employer), your benefit will be reduced in accordance with the amounts being received.  

Non-earner Benefit (optional) 

If you don’t qualify for income replacement, are a student, and cannot continue daily life as before an automobile accident, you may qualify to receive non-earner benefits of $185 per week (optional). There is a four-week waiting period for this coverage. 

Caregiver Benefit (optional) 

If you can no longer provide care to a dependant residing with you (child or other) as a result of a catastrophic impairment, you may be eligible for the caregiver benefit (optional). These benefits reimburse you for expenses associated with hiring someone to provide care while you are not able to do so. 

The caregiver benefit includes: 

• Up to $250 per week for the first dependant
• An additional $50 per week for each subsequentdependant in the household.

Standard accident benefit coverage only provides that payout for those suffering “catastrophic injuries,” but you can purchase additional coverage to get this benefit for all injuries. For the definition of a catastrophic injury, visit our FAQs below. 

Death and Funeral Expenses 

If you die as the result of a car accident, this benefit will provide a lump sum payout to your spouse and dependants (optional).
The benefit includes a payout of: 

• $25,000 to your spouse
• $10,000 to each of yourdependants
• A maximum of $6,000 for funeral expenses

You can choose to increase this benefit payout to: 

• $50,000 to your spouse
• $20,000 to each of yourdependants
• A maximum of $8,000 for funeral expenses

Other Expenses 

Additional expenses may also be covered as a part of your optional accident benefits coverage. They include: 

Lost Education Expenses (optional) 

This benefit provides compensation for lost tuition, books and other education related expenses up to $15,000, for those who can’t continue studies as a result of injuries from an auto accident (optional).  

Expenses of Visitors (optional) 

This benefit provides compensation for reasonable and necessary expenses incurred by some of those closest to you if they must visit you during your treatment or recovery (optional). It includes your spouse, children, grandchildren, parents, grandparents, siblings, and certain other dependants and guardians. Expenses can be claimed for a maximum of 104 weeks after the accident, unless injuries are catastrophic. 

Housekeeping and Home Maintenance (optional) 

This benefit provides $100 a week if you experience catastrophic injuries due to an auto accident and need to hire someone to carry out your housekeeping or home maintenance responsibilities (optional).  

You can purchase optional coverage to extend this benefit to all injuries. 

Damage to Clothing, Glasses and Other Belongings (optional) 

This benefit will provide compensation for damaged clothing, glasses and other personal medical devices damaged during an auto accident (optional). 

Cost of Examinations (optional) 

This benefit provides compensation for the cost of approved examinations related to treatments as part of your recovery from an auto accident (optional). 

Other Optional Benefits 

Optional Dependent Care Benefit 

This benefit will pay for additional childcare expenses due to injuries sustained from an auto accident. It provides coverage up to $75 a week for your first dependant and $25 for each additional dependant and can only be claimed if you were employed at the time of an accident. To be eligible for this benefit, you cannot receive the caregiver benefit. 

Optional Indexation Benefit 

This benefit provides an annual adjustment for inflation for certain accident benefits. Adjustments are done in accordance with the Consumer Price Index of Canada and applies to the following benefits: 

• Income replacement benefit
• Non-earner benefit
• Attendant care benefit
• Medical and rehabilitation benefit

FAQs 

Should I keep the optional accident benefits on my policy? 

Effective July 1, some of the previously mandatory accident benefits are now optional, giving customers more choice in their coverage options. However, the optional coverage may be important to support yourself and your loved ones in the event of an accident. 

To better understand your specific coverage needs and budget, we strongly recommend you contact an OTIP Broker at 1-800-267-6847. 

What is a minor injury? 

Minor injuries typically include sprains, strains, whiplash injuries and subluxations. These injuries have quick access to treatment and resolution with medical and rehabilitation benefits limited to $3,500. 

View the full Minor Injury Guideline. 

What is Catastrophic Impairment? 

To be considered catastrophic, injuries need to significantly impact a person’s ability to function and the impairment must be permanent. Examples include blindness, paralysis and permanent brain damage. 

See the full definition in section 3.1 of the SABS. 

What is Non-Catastrophic impairment? 

Non-Catastrophic impairment include injuries that don’t fall under the minor injury guideline or the definition of a catastrophic impairment (e.g. fractures).