Accident Benefits
Learn About The Accident Benefits As A Result of A Car Accident
If you've been injured in a car or motorcycle accident in Ontario, the impact can be life-altering. At Pranzitelli Law, we’re here to guide you through your options, protect your rights, and help you access the compensation you deserve.
Ontario’s No-Fault Insurance System: What It Means for You
Ontario operates under a no-fault insurance system, meaning:
You're entitled to Statutory Accident Benefits regardless of who caused the accident.
These benefits apply whether you were a driver, passenger, or motorcyclist.
You may still be able to sue the at-fault driver for additional compensation, such as pain and suffering, if your injuries meet the legal threshold.
Two Potential Avenues for Compensation
If you’ve been injured in an Ontario motor vehicle accident, you may be entitled to compensation from two main sources:
Accident Benefits
Through your own auto insurance policy or another vehicle’s insurer involved in the accident.
Tort Claim
A lawsuit against the at-fault driver for compensation not covered by accident benefits..
Accident Benefits Explained
Accident Benefits can include:
Income Replacement
Medical & Rehabilitation Expenses
Attendant Care
Non-Earner Benefits
Housekeeping & Home Maintenance
Caregiver Benefits
Death & Funeral Benefits
These claims are governed by Ontario’s Statutory Accident Benefits Schedule (SABS), O. Reg. 34/10—a complex regulation that is often amended and difficult to navigate without legal help.
Accident Benefits can include:
Income Replacement
Medical & Rehabilitation Expenses
Attendant Care
Non-Earner Benefits
Housekeeping & Home Maintenance
Caregiver Benefits
Death & Funeral Benefits
These claims are governed by Ontario’s Statutory Accident Benefits Schedule (SABS), O. Reg. 34/10—a complex regulation that is often amended and difficult to navigate without legal help.
Accident Benefits Explained
Income Replacement Benefits (IRB)
Eligibility: If you cannot perform essential duties of your job.
Amount: 70% of gross weekly income, up to $400/week (or more with optional coverage).
Duration: Up to 104 weeks, or longer if you cannot work in any suitable job based on education, training, or experience.
Non Earner Benefits
Eligibility: You were unemployed at the time of the accident.
Amount: $185/week (up to 2 years).
Waiting Period: 4 weeks post-accident.
Caregiver Benefits
Eligibility: You provided unpaid care to dependents and suffered a catastrophic impairment.
Amount: $250/week + $50 for each additional dependent.
Medical, Rehabilitation & Attendant Care
Minor Injury: Up to $3,500
Non-Catastrophic Injury: Up to $65,000 (or $130,000 with optional coverage)
Catastrophic Injury: Higher coverage amounts available
Duration (non-catastrophic): Benefits available up to 5 years
Housekeeping & Home Maintenance
Amount: Up to $100/week
Eligibility: Only if you suffered a catastrophic injury, or if optional coverage was purchased.
Death & Funeral Benefits
Spouse: $25,000 – $50,000
Former Supported Spouse: $10,000 – $20,000
Dependents: $10,000 – $20,000
Funeral Expenses: Up to $6,000 – $8,000
(Depending on policy and optional coverage)
Dealing with Accident Benefits Can Be Overwhelming
From selecting the correct insurer (due to insurance priority rules) to managing countless forms and meeting strict deadlines—this process can quickly become stressful and confusing.
Let Pranzitelli Law Firm handle:
✅ All Accident Benefits paperwork
✅ Communication with your insurance company
✅ Disputes over which insurer is responsible
✅ Ensuring you receive the full compensation you’re entitled to
Learn About The Accident Benefits As A Result of A Car Accident
If you've been injured in a car or motorcycle accident in Ontario, the impact can be life-altering. At Pranzitelli Law, we’re here to guide you through your options, protect your rights, and help you access the compensation you deserve.
Ontario’s No-Fault Insurance System: What It Means for You
Ontario operates under a no-fault insurance system, meaning:
You're entitled to Statutory Accident Benefits regardless of who caused the accident.
These benefits apply whether you were a driver, passenger, or motorcyclist.
You may still be able to sue the at-fault driver for additional compensation, such as pain and suffering, if your injuries meet the legal threshold.
Two Potential Avenues for Compensation
If you’ve been injured in an Ontario motor vehicle accident, you may be entitled to compensation from two main sources:
Accident Benefits
Through your own auto insurance policy or another vehicle’s insurer involved in the accident.
Tort Claim
A lawsuit against the at-fault driver for compensation not covered by accident benefits..
Accident Benefits Explained
Accident Benefits can include:
Income Replacement
Medical & Rehabilitation Expenses
Attendant Care
Non-Earner Benefits
Housekeeping & Home Maintenance
Caregiver Benefits
Death & Funeral Benefits
These claims are governed by Ontario’s Statutory Accident Benefits Schedule (SABS), O. Reg. 34/10—a complex regulation that is often amended and difficult to navigate without legal help.
Accident Benefits can include:
Income Replacement
Medical & Rehabilitation Expenses
Attendant Care
Non-Earner Benefits
Housekeeping & Home Maintenance
Caregiver Benefits
Death & Funeral Benefits
These claims are governed by Ontario’s Statutory Accident Benefits Schedule (SABS), O. Reg. 34/10—a complex regulation that is often amended and difficult to navigate without legal help.
Accident Benefits Explained
Income Replacement Benefits (IRB)
Eligibility: If you cannot perform essential duties of your job.
Amount: 70% of gross weekly income, up to $400/week (or more with optional coverage).
Duration: Up to 104 weeks, or longer if you cannot work in any suitable job based on education, training, or experience.
Non Earner Benefits
Eligibility: You were unemployed at the time of the accident.
Amount: $185/week (up to 2 years).
Waiting Period: 4 weeks post-accident.
Caregiver Benefits
Eligibility: You provided unpaid care to dependents and suffered a catastrophic impairment.
Amount: $250/week + $50 for each additional dependent.
Medical, Rehabilitation & Attendant Care
Minor Injury: Up to $3,500
Non-Catastrophic Injury: Up to $65,000 (or $130,000 with optional coverage)
Catastrophic Injury: Higher coverage amounts available
Duration (non-catastrophic): Benefits available up to 5 years
Housekeeping & Home Maintenance
Amount: Up to $100/week
Eligibility: Only if you suffered a catastrophic injury, or if optional coverage was purchased.
Death & Funeral Benefits
Spouse: $25,000 – $50,000
Former Supported Spouse: $10,000 – $20,000
Dependents: $10,000 – $20,000
Funeral Expenses: Up to $6,000 – $8,000
(Depending on policy and optional coverage)
Dealing with Accident Benefits Can Be Overwhelming
From selecting the correct insurer (due to insurance priority rules) to managing countless forms and meeting strict deadlines—this process can quickly become stressful and confusing.
Let Pranzitelli Law Firm handle:
✅ All Accident Benefits paperwork
✅ Communication with your insurance company
✅ Disputes over which insurer is responsible
✅ Ensuring you receive the full compensation you’re entitled to
Are Consultations Free?
We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.
The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.
These consultations are ALWAYS free.
What About Out Of Pocket Fees?
On all our contingency fee retainers, you will not be responsible for out of pocket fees.
Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.
Who Will Work On My Case?
At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!
How Long Do I Have To File My Lawsuit?
Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.
How Much Can I Expect To Win?
While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..
What is Long-Term Disability (LTD) Insurance
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
How Long Can I Receive Long-Term Disability Benefits?
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
What Should I DO If My Long-Term Disability Claim Is Denied?
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
Are Consultations Free?
We NEVER charge for an initial consultation. At the FREE initial consulation, we will discuss the details of your case, the legal process and answer any questions you may have.
The consultation can take place wherever works best for you! We are available to meet with you at the hospital, rehabilitation centre, your home, over the phone, or in our office.
These consultations are ALWAYS free.
What About Out Of Pocket Fees?
On all our contingency fee retainers, you will not be responsible for out of pocket fees.
Our firm will pay for all necessary out of pocket expenses until your case is settled or decided in court.
Who Will Work On My Case?
At Pranzitelli Law Firm, you have a team of lawyers, articling students, paralegals, law clerks and legal assistants working on your case. All cases are overseen by Adriano personally!
How Long Do I Have To File My Lawsuit?
Every case is different. Its important to get legal advice on your case immediately to ensure you do not miss any limitation periods.
How Much Can I Expect To Win?
While every case is different, the value of your case will depend on a number of factors. Request a FREE consultation below to see if you have a case..
What is Long-Term Disability (LTD) Insurance
Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.
How Do I Qualify For Long-Term Disability Benefits In Ontario?
To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.
What Types Of Conditions Are Covered Under Long Term Disability Insurance?
LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.
How Long Can I Receive Long-Term Disability Benefits?
The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.
What Should I DO If My Long-Term Disability Claim Is Denied?
If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.
⬇️ REQUEST A FREE CONSULTATION ⬇️
We will contact you to talk a bit more about your unique needs, and get the ball rolling!
I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Our Addresses
(Vaughan | Toronto | London)
Vaughan
4370 Steeles Avenue West, Suite 16
Vaughan, On L4L 4Y4
Toronto
18 King Street East, Suite 1400
Toronto, On M5C 1C418
London
341 Talbot St, Suite 333
London, ON N6A 2R5
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
1-844-757-HURT
Email
[email protected]
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved
⬇️ REQUEST A FREE CONSULTATION ⬇️
We will contact you to talk a bit more about your unique needs, and get the ball rolling!
I Consent to Receive SMS Notifications and Alerts. Message frequency varies. Message & data rates may apply. You can reply STOP to unsubscribe at any time.
We strive for Customer Satisfaction. Coming from in-depth understanding of the law and the industry, capitalizing on extensive experience, we provide hands-on advice that speaks the language of our client’s needs. No matter if your case is large or small, we treat your matter with importance, integrity and hard work, your success is our satisfaction.
Our Addresses
(Vaughan | Toronto | London)
Vaughan
4370 Steeles Avenue West, Suite 16
Vaughan, On L4L 4Y4
Toronto
18 King Street East, Suite 1400
Toronto, On M5C 1C418
London
341 Talbot St, Suite 333
London, ON N6A 2R5
Contact Us
(Local | Toll Free | Email)
Local
905 - 266 - 2633
Toll Free
1-844-757-HURT
Email
[email protected]
Toronto | Mississauga | Brampton | Vaughan | Hamilton | Markham | Oakville | Burlington | Kitchener | London
This site is not legal advice. We occasionally use content and information that is prepared by AI. Including but not limited to technology from Gemini, Chat GPT, Grok, Canva, and other technologies from Open AI. Always consult with a lawyer regarding specific legal questions and advice. Give us a call at 905-266-2633 to set up a consultation
Copyright © 2025 Pranzitelli Law Firm | All rights reserved