Income Replacement Benefits in Ontario are typically 70% of gross income up to $400/week, not your full pay.
Many people are surprised by the gap when they first go off work which is why you should have optional benefits in case you are unable to work after an accident!
In Ontario, your own auto insurer pays your initial medical/rehabilitation and income replacement benefits after a car accident — even if the other driver is at fault.
This is called the no-fault accident benefits system.
Treatment plans after a car accident must be approved before you can start attending. Starting care without approval can leave you stuck with unpaid bills which the accident benefits insurer is not responsible for.
In other words, do not attend treatment without an approved treatment plan if you want the insurer to pay!
After a car accident, your first medical visit matters more than most people realize.
Early documentation connects your symptoms to the collision and reduces disputes later about whether your injuries were pre-existing or caused by something else!
You generally have 7 days to notify your insurer after a car accident and 30 days to submit a completed application for accident benefits (OCF-1) form from the date of receiving it.
Missing timelines can delay or reduce access to treatment funding!
Daniel Badre
Surveillance is legal in Ontario car accident personal injury claims. Insurers may hire investigators to observe claimants in public places.
Consistency between reports and real-world activity is critical!
16 hours ago | [YT] | 2
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Daniel Badre
Income Replacement Benefits in Ontario are typically 70% of gross income up to $400/week, not your full pay.
Many people are surprised by the gap when they first go off work which is why you should have optional benefits in case you are unable to work after an accident!
1 day ago | [YT] | 0
View 0 replies
Daniel Badre
In Ontario, your own auto insurer pays your initial medical/rehabilitation and income replacement benefits after a car accident — even if the other driver is at fault.
This is called the no-fault accident benefits system.
2 days ago | [YT] | 1
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Daniel Badre
In Ontario, you cannot sue for pain and suffering unless your injuries meet a legal threshold of a "serious and permanent impairment".
Many people are surprised this rule exists!
3 days ago | [YT] | 1
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Daniel Badre
Treatment plans after a car accident must be approved before you can start attending. Starting care without approval can leave you stuck with unpaid bills which the accident benefits insurer is not responsible for.
In other words, do not attend treatment without an approved treatment plan if you want the insurer to pay!
4 days ago | [YT] | 1
View 0 replies
Daniel Badre
Returning to work part-time after a car accident doesn’t automatically end your claim.
It often becomes a partial income replacement payment or compensation that is retrieved on the tort claim against the other driver.
5 days ago | [YT] | 1
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Daniel Badre
The OCF-3 Disability Certificate is required to start receiving income replacement benefits after a car accident.
No form, no IRB payments — even if you’re clearly unable to work.
6 days ago | [YT] | 1
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Daniel Badre
In Ontario car accident personal injury claims, gaps in treatment are often used against injured plaintiffs.
If you stop therapy without good reason for months, insurers may argue you've recovered — even if you are still in pain.
1 week ago | [YT] | 0
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Daniel Badre
After a car accident, your first medical visit matters more than most people realize.
Early documentation connects your symptoms to the collision and reduces disputes later about whether your injuries were pre-existing or caused by something else!
1 week ago | [YT] | 0
View 0 replies
Daniel Badre
You generally have 7 days to notify your insurer after a car accident and 30 days to submit a completed application for accident benefits (OCF-1) form from the date of receiving it.
Missing timelines can delay or reduce access to treatment funding!
1 week ago | [YT] | 1
View 0 replies
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