What Care-First auto insurance means for you

Today medical and rehabilitation benefits are limited to $50,000 up to two years following an accident. With Care-First, these benefits have no overall dollar or time limits. Some parameters and conditions may apply to specific types of assistance, but coverage continues for as long as it is needed to support your recovery.

Income replacement will be based on your yearly employment income, subject to 90% of net income up to a maximum annual gross income of $128,000 payable until you reach the age of 65. For those who are retired, Care-First will pay 70% of net retirement income, less any other pension income (including CPP, OAS, or employer-based pensions) or disability benefit.

Under Care-First, insurance companies are required to ensure a claimant is informed about benefits to which they may be entitled, assist the claimant with making a claim and work to ensure the claimant receives all the benefits to which they are entitled.

In Care-First, insurers will provide comprehensive recovery support to their consumers with the goal of returning individuals to pre-accident function (or as close as possible). Insurers will actively manage cases from claim initiation to claim closure, providing support and guidance to their customers throughout their recovery journey.

If a claimant needs assistance to complete the daily living activities they used to be able to perform independently, the Personal Care benefit provides monthly assistance to cover the costs incurred by the claimant. These tasks could include grocery shopping, housekeeping, managing finances, transportation, personal hygiene, and meal preparation.

A permanent impairment benefit paid to a claimant will be reduced or eliminated if the claimant was convicted of certain offences under the criminal code or was convicted of impaired driving or failing to stop for a peace officer under the Traffic Safety Act.

If the claimant’s main occupation at the time of the accident was caring for dependants without remuneration, they would be eligible for the Caregiver Benefit.

If you are responsible for the care of children under the age of 16, you may be eligible for childcare reimbursement (with receipts).

Death Benefits are paid in the event of a loss of life due to a vehicle accident as a lumpsum. If the deceased didn’t have a spouse but did have dependants, the dependants would equally share the spousal benefit and would also receive the dependant benefit.

• Meal allowance: helps cover expenses if you are required to travel for the purpose of receiving treatment.
• Critical care attendance: helps cover expenses up to $5,615, if you are attending to a close relative in hospital who requires critical care because of a vehicle collision.
• Travel allowance: Reimbursement for travel and accommodation expenses in accordance with guidelines.
• Clothing allowance: allowance of up to $1,305 is available for those who require accommodation relating to using a wheelchair / prosthetic / orthotic device.