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Select the Optional Accident Benefits you would like to add to your policy

Income replacement

If you are unable to work, you may qualify for income replacement benefits up to 70 per cent of your gross income, capped at $400 per week. The following chart helps identify your income replacement needs.

Income Range Consider an Income Replacement Benefit at this level*
$30,000 - $44,000 $600 / week
$45,000 - $59,000 $800 / week
$60,000 + $1,000 / week
* 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.
  Coverage Options:

Caregiver Benefit

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. These benefits reimburse you for expenses associated with to 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 subsequent dependant in the household.
Coverage Options:

Medical, Rehabilitation, and Attendant Care

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

Coverage Options:

Death and Funeral Expenses

In the event that you die as the result of a car accident, this benefit will provide a lump sum payout to your spouse and dependants.

The benefit includes a payout of:

  • $25,000 to your spouse
  • $10,000 to each of your dependants
  • A maximum of $6,000 for funeral expenses
Coverage Options:

Dependant 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.

Coverage Options:

Indexation Benefit

This benefit will provide an annual adjustment to account 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
Coverage Options:

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