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You can claim accident benefits from the insurance company if you have been injured in an automobile accident.
Accident benefits are provided according to the Statutory Accident Benefits Schedule , which is a rule made under the Insurance Act.
If you qualify, you may receive several kinds of accident benefits. The rules are complex, but the following list will give you an idea of your rights.
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- Income replacement benefits help replace lost income if an employed or self-employed claimant is disabled.
- Caregiver benefits pay certain childcare or other caregiver expenses if a stay-at-home parent or other caregiver is unable to care for a child or other person in need of care.
- Non-earner benefits are paid if a claimant who is not employed or self-employed is unable to carry on with normal life.
- Medical and rehabilitation benefits pay for treatment and rehabilitation assistance that is not covered by OHIP or another disability insurance plan.
- Attendant care benefits pay for someone to look after a seriously injured claimant.
- Funeral expenses and death benefits are paid if an insured person dies as a result of the accident.
- Depending on your circumstances, you may also be entitled to other benefits – for example, benefits to pay for housekeeping assistance, visitors’ expenses, repair or replacement of eyeglasses or clothing damaged in the accident, or case manager services.
- Up to $172,000 in Medical and Rehabilitation Expenses
- Up to $400 per month in Housekeeping Expenses
- Up to $400 per week in Income Replacement
- Up to $250 per week in Caregiver's Expenses
- Up to $3,000 per month in Attendant Care Needs
- Up to $15,000 in lost Educational Expense
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