Your motor vehicle accident benefits can cover a wide range of expenses, including:
- Physiotherapy and chiropractic
- Massage therapy
- Prescription medications
- Medical equipment
- Ambulance bills
- Home modifications
- Gym memberships
If your injury prevents you from returning to work, your insurance company is required to pay for vocational rehabilitation, return-to-work programs, and modifications to your workspace.
Medical and rehabilitation benefits last up to 4 years or until you reach a maximum amount, whichever comes first (like a car warranty). The maximum benefits vary for each province:
New Brunswick: $50 000
Nova Scotia: $50 000
PEI: $50 000
If your injuries keep you from working, you may qualify for weekly loss of income payments. The payments are 80% of your weekly income, up to a maximum of $140 or $250, depending on your province:
Mew Brunswick: MAX $250/Week
Nova Scotia: MAX $250/Week
PEI: MAX $250/Week
In order to qualify for weekly loss of income payments, you must meet the following criteria:
- You were employed at the time of the accident (or you had arranged to start a new job soon), or you were employed for 6 of the 12 months before the accident.
- There were at least 7 days – out of the 30 days following the accident – when you were medically unfit to work
- You have not returned to work, or are earning less money because of your injuries.