Accident Benefits Changes to Ontario’s Car Insurance System
PDF Version - Fall 2010 E-Newsletter
In September, 2010, there were various changes to Ontario’s car insurance system concerning the Accident Benefits regime available to people injured in car accidents.
There have been changes to entitlement to income replacement benefits, medical and rehabilitation benefits, attendant care, housekeeping, issues related to catastrophic impairment designation (CAT) and other issues.
A few of the changes include:
- substantive changes to the issue of CAT designations and applications;
- elimination of the housekeeping benefits for standard policies;
- elimination of caregiver benefits for most (non-CAT) cases;
- reduction of med/rehab benefits to $50,000 (from $100,000) in non-CAT cases plus the inclusion of assessment costs within this policy limit;
- reduction of attendant care entitlement;
- changes in the calculation of income replacement benefits;
- the introduction of the Minor Injury Guideline for the purposes of determining entitlement to medical and rehabilitation benefits; and
- capping med/rehab benefits to $3,500 for those who fall within the Minor Injury Guidelines.
For more background information, you can review our ongoing blogs on Accident Benefits entitlement, including our Sept 7/2010 blog and our Sept 3/2010 blog.
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