UNPAID ACCIDENT BENEFITS ONTARIO BILL 164-1994-1996

The Statutory Accident Benefits Schedule (SABS) is mandatory, and no-fault insurance coverage is included in every Ontario automobile insurance policy. It ensures that if you are injured in a motor vehicle accident, you have access to a range of benefits regardless of who caused the accident.

 

Key Benefits under the SABS include:

 

• Income Replacement Benefits (IRBs): If your injuries prevent you from working, you may receive up to 70% of your gross weekly income, capped at $400 per week, unless you have purchased optional benefits. These benefits help replace lost wages during your recovery.

 

• Non-Earner Benefits: If you were not employed at the time of the accident and cannot lead a normal life after the incident, you may qualify for a non-earner benefit of $185 per week for up to 104 weeks. This benefit helps individuals who can no longer engage in their regular daily activities due to injury.

 

• Caregiver Benefits: If a catastrophic impairment prevents you from performing caregiving duties you provided before the accident, you may receive caregiver benefits to compensate for the loss of those services. The caregiver benefit covers reasonable expenses from an accident, up to $250 per week for the first person needing care and $50 per week for each additional person.

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• Medical and Rehabilitation Benefits: These cover necessary medical treatments such as physiotherapy, chiropractic care, psychological therapy, and other rehabilitation services to aid recovery. Coverage limits vary depending on the severity of your injuries and any optional coverage purchased.

 

• Attendant Care Benefits: If your injuries require assistance with daily living activities such as bathing or dressing, attendant care benefits provide funding for these services. Coverage is available for up to $3,000.00/month for non-catastrophic injuries, and up to $6,000.00/month for catastrophic injuries, depending on your individual need. 

 

• Death and Funeral Benefits: In the tragic event of death resulting from a motor vehicle accident, the SABS provides up to $6,000 or the amount fixed by the optional benefit, to cover funeral expenses, $25,000 to support eligible spouses and $10,000 to support eligible dependents.

 

Important Considerations:

 

• The SABS applies to accidents occurring in Canada or the United States, including motor vehicle, snowmobile, ATV and motorcycle accidents.

 

• Benefits are payable despite other insurance or government programs (ie. Employment Insurance, Social Assistance), ensuring you receive the support you need immediately. Individuals are responsible for claiming accident benefits received to any other insurance or government program where applicable to ensure there is no duplication of payments.

 

• There are specific time limits and documentation requirements for making claims or disputing denials, and failure to comply can result in loss of benefits.

 

• Amendments to the SABS, such as those coming into effect July 1, 2026, may change benefit amounts and eligibility criteria. Staying informed is essential to maximize your entitlements.

 

For more information, please visit our FAQ page.