Medical and Rehabilitation Benefits: A Summary
Medical and rehabilitation benefits in Ontario include all necessary expenses incurred from a car accident injury. The expense coverage can consist of medical and surgical costs, ambulance and even dental payments. Psychological, occupational, and physiotherapy services are included in the auto insurance medical benefits package as well.
Rehabilitation is an integral part of healing from a car accident injury. Therefore, the medical and rehabilitation benefits in Ontario contain social rehabilitation counselling, employment aid and help with the home, and workplace to increase accessibility for certain disabilities. Medical and Rehabilitation Benefits in Ontario are reliant on various auto insurance packages and fluctuate dependant on what the car owner purchased prior to the accident. Although, Ontario has regulation in place to ensure quality coverage.
Catastrophic Injury vs. Non-Catastrophic Injury Benefits
Medical and rehabilitation benefits in Ontario differ depending on the type of injury that is incurred in a car accident. Catastrophic injuries include more coverage benefits than non-catastrophic injuries due to the intensified medical and rehabilitation needs of the injured person. People who have suffered a catastrophic injury have sustained either an injury to the spinal cord an injury or causing permanent disabilities. Medical and rehabilitation benefits in Ontario will cover up to $1,000,000 in benefits if the injury claim can be proven to be catastrophic.
Non-catastrophic injury benefits include all other injuries and under the Statutory Accident Benefits Schedule (SABS), it will still cover up to $50,000 in medical and rehabilitation benefits. There is a 10 year maximum period for non-catastrophic injury benefits. Overall, there are several resources at the disposal of people who have suffered a car accident to claim medical and rehabilitation benefits in the province of Ontario.
Sources:
http://personal-injury-ontario.ca/accident_benefits.html
http://www.claimscanada.ca/issues/article.aspx?aid=1000390330