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Income Replacement Benefits

You are entitled to income replacement benefits if you sustained an impairment as a result of the accident and any one of the following circumstances apply:

  • You were employed at the time of the accident and, within 2 years following the accident, you suffer a substantial inability to perform the essential tasks of that employment
  • You were not employed at the time of the accident but you held employment for at least 26 weeks during the 52 weeks prior to the accident or were receiving employment insurance benefits at the time of the accident
  • You were not employed at the time of the accident but were at least 16 years of age or was excused from attending school under the Education Act at the time of the accident and, as a result of and within two years after the accident, you suffer a substantial inability to perform the essential tasks of the employment in which you spent the most time during the 52 weeks prior to the accident
  • YYou were self-employed at the time of the accident and suffered, due to and within two years of the accident, a substantial inability to perform the essential tasks of his or her self-employment

The income replacement benefit is calculated based on 70% of your gross income up to a maximum of $400 per week (unless optional benefits were purchased by you).

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