Ontario insurance laws changed in 2010. So too have the accident benefits you receive under a standard policy. This chart shows you what coverage you will get. You also have the option to increase your coverage. You will pay a higher premium for this extra coverage.
| Benefits |
Coverage under a standard policy |
Medical, Rehabilitation and Attendant Care benefits:
(for non-catastrophic injuries) |
$50,000 for medical and rehabilitation benefits, including assessment costs
$36,000 for attendant care benefits |
Medical, Rehabilitation and Attendant Care benefits:
(for catastrophic injuries) |
$1 million for medical and rehabilitation benefits, including assessment costs
$1 million for attendant care benefits |
| Caregiver benefit |
Up to $250 per week for the first dependant plus $50 for each additional dependant (only for catastrophic injuries) |
| Housekeeping and Home Maintenance expenses |
Up to $100 per week (only for catastrophic injuries) |
| Income Replacement |
70 per cent of net income up to $400 per week |
| Dependant Care |
Not provided |
| Death and Funeral benefits |
$25,000 lump sum to an eligible spouse
$10,000 lump sum to each dependant
maximum $6,000 funeral benefits |