Medical, rehabilitation and attendant care expenses:
The amount available under the auto insurance policy for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If someone is catastrophically injured the maximum increases to $1,000,000. Optional benefits can be purchased to increase these amounts to $1,100,000 for non-catastrophic injuries and $2,000,000 for catastrophic injuries.

Optional benefits can also be purchased to increase attendant care (e.g. private nursing) benefits. The standard maximum under this section is $72,000 for non-catastrophic injuries and $1,000,000 for catastrophic injuries. With optional benefits, these amounts can be increased to $1,072,000 and $2,000,000. There is an overall limit for total medical, rehabilitation, and attendant care benefits as well.

Caregiver and dependant care benefits:
Caregiver benefits are weekly benefits payable to full-time caregivers who become disabled as a result of a car accident. Optional benefits can be purchased to increase the benefits from $250 per week plus $50 for each additional person, to $325 per week plus $75 for each additional person. Optional dependant care benefits can only be claimed by employed persons who incur extra babysitting expenses as a result of an accident. Optional benefits will cover up to $75 for the first person and $25 for each additional person.

Death and funeral benefits:
In the event of the death of an insured person, $25,000 would be paid to an eligible spouse, $10,000 to each dependant and $6,000 would be paid for funeral expenses. Optional death and funeral benefits increase these amounts to $50,000 to a spouse, $20,000 to each dependant and $8,000 for funeral expenses.

You may purchase any or all of the available optional benefits according to your needs. You may also purchase indexation of accident benefits to ensure that they stay in line with the Consumer Price Index.

If you have benefits available through your employment or elsewhere, you may not need to buy optional benefits. We, acting as your broker, can help you decide which optional benefits, if any, are appropriate for you.