Optional Accidental Benefits in Ontario
When it comes to renewing your insurance policy, it may be tempting to go with a basic plan for a more affordable premium instead of adding on optional accident benefits. If you ask anyone who has been injured in a motor vehicle collision, the standard coverage is simply not enough. However, you have choice and flexibility when it comes to the benefits you choose. Depending on the person, not every optional benefit is worth purchasing. Keep reading to find out why.
Medical and Rehabilitation/Attendant Care Benefits
An important category available to you in the event you are injured in a motor vehicle collision. This optional benefit covers physiotherapy, counseling, massage therapy, and other rehabilitation costs. If you need a Personal Support Worker to help you after your accident, the attendant care benefit provides compensation.
Income Replacement Benefit
If the injury you sustained during the accident prevents you from returning to your place of employment at its full capacity, this benefit offers up to 70% of your gross income until the age of 65 if you still meet the eligibility requirements.
In the event of an injury that prevents you from providing care to your children or dependents, this benefit is available to you for a duration of (2) years. You’ll receive $250 per week and an extra $50 for each dependent. This is available only for catastrophic injuries and would be helpful to those who are the primary caregiver of their children and are unemployed. A catastrophic injury is a severe injury to the brain, spine, or spinal cord, that can take months or years to heal, and is sometimes permanent. Contact us for more information.
Housekeeping and Home Maintenance Expenses
If you can no longer manage the upkeep of your home due to a catastrophic injury, this benefit will provide up to $100 per week to pay for housekeeping or assistance with home maintenance.
Death and Funeral Benefits
If a motor vehicle collision results in your death, this benefit provides a $25,000 lump sum payment to your spouse; a $10,000 lump sum payment to each of your dependents; and up to $6,000 for funeral expenses.
Dependent Care Benefits
If you are employed and must pay for additional childcare because of an accident, this benefit will provide payment towards these expenses.
If purchased, this optional benefit will adjust any of your other benefits annually to match inflation.
There are many types of optional accident benefits in Ontario to choose from. Talk to your insurance provider to see which benefits work for you. If you’ve been injured in a motor vehicle accident or any type of catastrophic incident in Kingston or Ottawa Ontario, make sure to contact one of our personal injury lawyers at Zuber Brioux. Your focus should be on your recovery. Let us navigate the insurance laws that apply to your claim.