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BILL 59
(accidents from Nov. 1, '96)
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BILL 164
(Jan. 1, '94 - Oct. 31, '96)
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O.M.P.P.
(June 22, '90 - Dec. 31, '93)
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1
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Weekly indemnity or income replacement benefits
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80% of net income up to $400.00 per week. May be increased if optional coverage purchased.
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90% of net income up to $1,000.00 per week.
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80% of gross income up to $600.00 per week.
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2
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Time frame for Short-Term Income Replacement Benefits
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Payable for 104 weeks after the accident if the insured person suffers a substantial inability to perform the essential tasks of his/her employment.
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Payable for up to 2 years from the date of the accident if the insured person suffers a substantial inability to perform the essential tasks of his/her employment.
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Payable for 156 weeks while insured person suffers a substantial inability to perform the essential tasks of his/her occupation or employment.
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3
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Long-Term Income Replacement Benefits
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After 104 weeks, weekly benefit is payable if injury prevents insured from "engaging in any occupation or employment for which he or she is reasonably suited by education, training or experience." Benefits payable to age 65, Then benefits reduced according to a formula.
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After two years, loss of earning capacity benefit is payable if there is a total or partial restriction on earning capacity. Payable to age 65. At age 65, benefits are generally reduced.
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After 156 weeks (3 years), if the insured person is continuously prevented from engaging in any occupation or employment for which he or she is reasonably suited by education, training or experience, he/she is entitled to receive Statutory Accident Benefits for the duration of the disability, i.e. for life.
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4
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Medical and Rehab Benefits
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$100,000 basic limit. 10-year limit for adults, or 25 years, minus the age of child, whichever is greater. $1 million cap for catastrophic impairments.
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$1 million cap - no time limit.
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$500,000.00. 10 years for adults. For children 20 years less the age of the child at the time of the accident.
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5
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Attendant Care
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$3,000.00 per month limit for 2 years for non-catastrophic impairment up to $72,000.00. $6,000.00 monthly limit for catastrophic impairments with overall limit of $1 million. Optional coverage may be purchased.
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$3,000.00 per month or $6,000.00 per month or $10,000.00 per month depending on extent of injury. No time limit. Indexed to inflation
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$500,000.00. No time limit but payable $3,000.00 per month.
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6
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Benefits if no income
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$185.00 per week. 6-month waiting period.
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$185.00 per week.
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$185.00 per week.
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