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There are quite a lot of different issues that may arise after an accident in relation to your health. For instance, you might be crippled for life or you might suffer from certain mental disorder. With this in mind, it’s important to understand that the personal injury law in Ontario is particularly extensive and it encompasses quite a lot of different scenarios. The different types of benefits are designated to reimburse different types of accidents and consequences but let’s take a look.
· Income replacement benefits
Now, if you have been injured so much that you aren’t able to work, you are going to be eligible for income replacement benefits through the accident benefit claim. With this in mind, you should understand that as per the current legislative provisions of Ontario, you are entitled to as much as 70% of your net income but not more than $400 per week. Of course, this is the standard coverage but you can also opt for additional. Income replacement benefits will get reduced if you receive other benefits which stem from short term disability, for instance.
· 2. Non-earner benefits
If you weren’t employed at the time of the accident, you might apply for non-earner benefits which amount to a total of $185. This is in case you have a complete inability to go on with your regular life. Accident benefits are also capable of paying non-earner benefits 26 weeks after the actual accident.
Optional Benefits – Caregiver advantages
If you lived with someone who actually required your help to support himself, you will be entitled to the so called caregiver benefits. These can amount to as much as $250 per week and an additional $50 for any other person who needs substantial help.
The Election of the benefit
This is one of the important things that you might want to take into account. You may meet all of the income replacement benefits. Once you are through with that it would be best if you select the benefit that you want. Unfortunately, that’s the procedure. Of course, you should also be aware that there are different benefits that you can choose from and this is of critical significance. You should be aware of all the benefits under your policy. With this in mind, income replacement could be the thing you need to actually handle yourself right after the accident. A lot of people struggle with managing their finances after an accident as the medical bills keep on piling on and on. This is quickly going to conclude with a mount of debt which is absolutely challenging and very tough to pay off so income replacement is without a doubt advantageous.
When you work with a personal injury lawyer it becomes important to find someone that has experience in similar cases. You may look online or get referrals to schedule and appointment to discuss your case.