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Maximum Limits on Medical, Rehabilitation and Attendant Care Benefits (Province of Ontario)
If you're a
motorcycle driver who has insured your
motorbike by finding the lowest rate through
http://www.InsuranceHotline.com, then you should also be aware of the benefits that would be paid out to you in various circumstances. The information below is from the Insurance Act for the province of Ontario, and you may wish to consult the Act in your own state or province to determine the exact benefit amounts that apply to you.
19. (1) The sum of the medical and rehabilitation benefits paid in respect of an insured person shall not exceed, for any one accident,
(a) $100,000; or
(b) if the insured person sustained a catastrophic impairment as a result of the accident, $1,000,000. O. Reg. 403/96, s. 19 (1).
(2) The amount of the attendant care benefit paid in respect of an insured person shall not exceed, for any one accident,
(a) $1,000,000, if the insured person sustained a catastrophic impairment as a result of the accident;
(b) nil, if the accident occurred after April 14, 2004 and the insured person sustained an impairment that comes within the Grade I Whiplash Guideline or the Grade II Whiplash Guideline; or
(c) $72,000 in any other case. O. Reg. 458/03, s. 7
(3) If the optional medical, rehabilitation and attendant care benefit referred to in section 27 was purchased and applies to the insured person, the maximum limits fixed by the optional benefit apply and subsection (1) and clauses (2) (a) and (c) do not apply. O. Reg. 458/03, s. 7.
(4) For the purpose of subsection (1), the medical and rehabilitation benefits paid in respect of an insured person include any amount paid in respect of the insured person under section 17. O. Reg. 403/96, s. 19 (4).
Housekeeping $100/week up to 104 weeks
Visitation Expenses - no limit
Lost Education Expenses - $15,000
Non-Earner $185/week payable if test is met after 26 weeks - complete disability
IRB $400/week maximum payable to 104 weeks, after test change to complete disability
Caregiver Benefit $250/week, each additional child is $50.00 to 104 weeks, after test change to complete disability
Source: Ontario Insurance Act
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