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STATUTORY ACCIDENT BENEFITS
Accident benefits are set by the provincial government under the Insurance Act of Alberta. Basic accident benefits are compulsory and meant to cover certain damages drivers sustain whenever they are involved in an automobile collision.
However, benefits are not just for the driver. The Insurance Bureau of Canada (IBC) explains:
“Any person who is injured in a motor vehicle collision or certain relatives or dependants of any person who is injured in a motor vehicle collision may be eligible for benefits.”
The coverage applies in any car accident anywhere in Canada or the United States, regardless of the cause of the accident. The details about accident benefits coverage are laid out in the Statutory Accident Benefits Schedule (SABS).
TYPES OF CALGARY ACCIDENT BENEFITS
Statutory accident benefits cover a wide range of damages, regardless of who caused the accident. SABS lists some of the available benefits:
- Income replacement benefit. If someone is unable to work because of their injuries, they can receive up to 70% of their gross weekly income (with a max figure of $400 per week and a max duration of 104 weeks). If they are unable to do any job that is reasonably suited for them, they can receive benefits past 104 weeks.
- Non-earner benefit.The IBC explains that if they do not qualify for income replacement benefits but are at least age 16 and “suffer a complete inability to carry on their normal life,” they can receive non-earner benefits, which entitle them to $185 per week for a period of 104 weeks. If they continue to qualify after 104 weeks, this benefit will increase.
- Medical and rehabilitation benefits. This will cover any reasonable and necessary medical and rehabilitation expenses up to $1 million that their regular health insurance policy does not cover.
- Attendant care benefits. If their injuries require them to hire an attendant to assist them with personal care activities, this benefit will provide them with up to $3,000 per month.
- Expenses of immediate family members for visiting their loved one in a hospital.
- Reimbursement for personal effects destroyed in accident.
- Funeral and death benefits.
- Housekeeping and home maintenance benefit. If applicable, they can receive up to $100 per week for this benefit.
- Caregiver benefit.If they are a caregiver (which may include a parent) who no longer can perform their duties due to their injury, this benefit will provide them with $250 per week for the first person and $50 per week for each subsequent person.