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Difference between revisions of "Insurance Benefits for Accident Victims"
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Insurance Benefits for Accident Victims (view source)
Revision as of 00:03, 5 December 2014
, 00:03, 5 December 2014→1. No-fault accident benefits
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'''Homemaker benefits'''—if you stayed home and looked after your family and home, you can get up to $145 a week in homemaker benefits. But your injury must substantially or continuously stop you from regularly performing most household tasks. | '''Homemaker benefits'''—if you stayed home and looked after your family and home, you can get up to $145 a week in homemaker benefits. But your injury must substantially or continuously stop you from regularly performing most household tasks. | ||
Income replacement and homemaker benefits aren’t paid for the first week. They start on the eighth day after the accident. They continue for as long as your disability lasts or until you turn 65, whichever is first. But ICBC can review your eligibility for these benefits each year===You must apply for other benefits first | Income replacement and homemaker benefits aren’t paid for the first week. They start on the eighth day after the accident. They continue for as long as your disability lasts or until you turn 65, whichever is first. But ICBC can review your eligibility for these benefits each year. | ||
===You must apply for other benefits first=== | |||
If you have other benefits like employment insurance, workers compensation or a private disability plan through your job, you must apply for these other benefits first. And ICBC will subtract these other benefits from the accident benefits it pays you. | If you have other benefits like employment insurance, workers compensation or a private disability plan through your job, you must apply for these other benefits first. And ICBC will subtract these other benefits from the accident benefits it pays you. | ||
===Accident benefits are limited=== | |||
Accident benefits only provide limited coverage. They’re not designed to pay you for all the losses you may suffer from an accident, especially if you were seriously injured. So you may also be entitled to payment or damages for losses caused by the negligence of others, explained in the next section. | Accident benefits only provide limited coverage. They’re not designed to pay you for all the losses you may suffer from an accident, especially if you were seriously injured. So you may also be entitled to payment or damages for losses caused by the negligence of others, explained in the next section. | ||