What are Statutory Accident Benefits and what do they cover
Statutory Accident Benefits, or SABS, pay for expenses related to car accident injuries in Ontario. The coverage pays for health costs NOT covered by OHIP or the government. These benefits offer support to victims recovering from injury and help with related income expenses. The SABS schedule is a form of no-fault insurance, which is mandatory and included in standard car insurance. As such, certain benefits are available to anyone injured in a car accident, regardless of who is at fault.
So, what kinds of benefits are available? SABS cover the following:
- Income replacement as a result of not being able to work.
- A caregiver if you can no longer provide care for dependents as a result of catastrophic injuries.
- Non-earner benefits if you don’t qualify for income replacement because of being a student or self-employed.
- Expenses related to medical and rehabilitation care, as well as surgical, hospital, medication, physio etc.
- Attendant care if you require long-term aid.
- Death and funeral expenses.
Additional SABS are also available to assist those recovering:
- Childcare expenses for stay-at-home parents unable to care for their children.
- Assistance expenses to help an injured person while at home.
- Housekeeping costs.
- Repair or replacement of eyeglasses, clothing and other personal items damaged in the accident.
Here https://ahinjurylaw.com/wp-content/uploads/2022/01/AB-Infographic-2020.pdf is a full list of SABs and the potential financial support you could receive.
