Most significant changes
Whether you are buying a new policy or renewing an existing one, you should be aware of the most significant changes to statutory accident benefits:
| Benefit | Current Policy | New Policy |
|---|---|---|
| Medical and Rehabilitation for non-catastrophic injuries | $50,000 |
These benefits have been combined and reduced to $65,000 total |
| Attendant Care for non-catastrophic injuries | $36,000 | |
| Medical and Rehabilitation for catastrophic injuries | $1,000,000 |
These benefits have been combined and reduced to $1,000,000 total |
| Attendant Care for catastrophic injuries | $1,000,000 |
Some important things to remember about these benefits:
- If you have previously chosen to purchase optional benefits to increase these amounts, check your policy – they may have changed to reflect amounts available in new options.
- Medical, Rehabilitation and Attendant Care benefits for minor injuries are fixed at a maximum limit of $3,500.
The optional benefits available for Medical, Rehabilitation and Attendant Care have also changed:
| Current Optional Benefit | Optional Benefit available on or after June 1, 2016 | |
|---|---|---|
| Non-catastrophic injuries | ||
| Medical and Rehabilitation for non-catastrophic injuries $100,000 | $72,000 and $100,000 options have been eliminated.New: Combined Medical, Rehabilitation and Attendant Care of $130,000** for non-catastrophic injuries.
If you have previously chosen to purchase these optional benefits check your policy or contact your agent or broker – they may have changed to reflect the amount available in this new option. |
Attendant Care for non-catastrophic injuries$72,000 |
| Catastrophic injuries | ||
| Not available | New: Combined Medical, Rehabilitation and Attendant Care of $1,000,000 for catastrophic injuries only. | |
The $1,000,000 Medical, Rehabilitation and Attendant Care optional benefit for all injuries (non-catastrophic and catastrophic) remains unchanged. If you have previously chosen to purchase this optional benefit it will appear on your new policy.
The chart below illustrates the overall benefit limits available depending on which optional benefit or combination of optional benefits you purchase, if any
(*$130,000 optional combined (non-catastrophic injuries) and $1 million optional (all injuries) cannot be purchased together.)
(** Duration of benefit is five (5) years for adults.)
| Options: Medical, Rehabilitation and Attendant Care |
Maximum for Non-catastrophic injuries |
Maximum for catastrophic injuries |
|---|---|---|
| Standard: No options purchased | $65,000** | $1 million |
| $130,000 combined (non-catastrophic injuries)* | $130,000** | $1 million |
| $1 million (all injuries)* | $1 million | $2 million |
| $1 million (catastrophic injuries) | $65,000** | $2 million |
| Combinations: | ||
| $130,000 combined (non-catastrophic injuries) + $1 million (catastrophic injuries) |
$130,000** | $2 million |
| $1 million (all injuries) + $1 million (catastrophic injuries) | $1 million | $3 million |
