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$400.00/week if any injury resulting from an automobile accident
prevents you from working your own occupation. This benefit is
available for up to 104 weeks of payment (2 years) and is based on 80%
of net employment income. Self-employed individuals may receive 80% of
actual income loss and/or up to 80% of losses to a combined maximum of
$400.00. No benefit is payable for the first week following the
accident.
Income Replacement
Benefits (After 2 years)
This benefit will continue after
104 weeks of payments, only if your injuries prevent you from the
pursuit of any occupation for which you are reasonably suited by
education, training or experience.
Benefit for Non Earners
If you were not employed, or do
not meet the expanded definition of “employed”
under the policy, and suffer a complete inability to carry on a normal
life, you may be eligible to receive a non-earner benefit of
$185.00/week, following a 6 month waiting period. Students who are
unable to continue their education may be reimbursed for actual
expenses incurred before the accident of up to $15,000.00 for lost
tuition, books, and room and board. Students over 16 may also qualify
for the $185.00 weekly non-earners benefit. After 2 years or 104 weeks
of payments, the payment increases to $320.00/week.
Caregiver Benefits
Caregivers who are unable to
engage in their caregiving activities may be reimbursed for additional
incurred expenses of up to $250.00/week plus $50.00/week for each
additional dependant.
Attendant Care
This benefit compensates insured
persons for the expense of an aide or attendant. Unless your policy has
an enhanced level of coverage, or your injuries are deemed to be
catastrophic, you have up to $3,000.00/month available for incurred
expenses, for a period of up to 2 years ($72,000.00 maximum). If you
are deemed to have suffered catastrophic injuries, you may be eligible
for up to $6,000.00/month during your lifetime to a maximum of
$1,000,000.00.
Medical and
Rehabilitation Expenses
This benefit pays for medical
expenses required as a result of an automobile accident injury. These
are expenses that are not covered by any other medical plan, such as
your provincial health insurance or supplementary medical expense
recovery plans available through your employer or another family
member’s employer’s plan from which you are
entitled to coverage. The maximum amount available for expenses
incurred over a period of 10 years (or 25 years minus your age, which
is greater) after the accident is $100,000.00, unless your policy has
enhanced coverage. If your injuries are deemed to be catastrophic, the
maximum coverage available for such expenses, during your lifetime, is
$1,000,000.00.
Specifically, within this
particular coverage, is a provision for recovery of reasonable
transportation expenses, to and from treatment necessitated by your
accident-related injuries. Please note that each return trip is subject
to a 50-kilometer deductible.
Other Expenses
Coverage is available for
certain individual’s reasonable expenses in visiting you
during treatment recovery.
You may also be eligible to
claim for any additional expenses you must incur for home maintenance
and housekeeping activities that you performed prior to the accident
for the period that you can not complete these activities as a result
of your injuries. The maximum amount available under this coverage for
additional expenses you must incur as a result of your injuries is
$100.00/week for a period of 2 years.
There is also limited coverage
for the cost of repairing or replacing personal items lost or damaged
in the accident, with some restrictions.
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