Personal Injury
Accident benefits (SABS)
OCF applications, income replacement benefits, denied treatment plans, and disputes at the Licence Appeal Tribunal.
Accident benefits are the no-fault portion of Ontario auto insurance, governed by the Statutory Accident Benefits Schedule. They pay for medical and rehabilitation treatment, income replacement, attendant care, and, in serious cases, benefits at the catastrophic level.
The forms that start the clock
The OCF-1 Application for Accident Benefits is generally due within thirty days of receiving the package from your insurer. The OCF-2 comes from your employer, the OCF-3 Disability Certificate from your health practitioner. Late or inconsistent forms are the most common reason benefits stall.
When a treatment plan is denied
A denial is not the end of the process. Insurer examinations can be challenged with your own treating evidence, and disputes are heard by the Licence Appeal Tribunal. Applications to the Tribunal are subject to a two-year limitation running from the denial, so denial letters should be reviewed as they arrive rather than collected.
Questions clients ask
Can I claim accident benefits if the accident was my fault?
Yes. Accident benefits are payable regardless of fault, subject to limited exclusions such as operating a vehicle without insurance.
I was a pedestrian or cyclist. Am I covered?
Generally yes, if a motor vehicle was involved. Coverage may come from your own policy, a household policy, or the insurer of the vehicle involved.
This page is general information about Ontario law, not legal advice for your situation. Book a consultation for advice on your own matter.
Consultation
Find out where your claim stands.
A short, confidential conversation is usually enough to tell you whether there is a claim, what the deadlines are, and what the next step would cost you.
- 905-801-8777
- 289-803-2803
- 400 Applewood CrescentSuite 100Vaughan, Ontario, L4K 0C3
- Monday – Friday | 9:00 a.m. – 5:00 p.m. In-person meetings: by appointment