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Bodily Injury/PIPP Claims > Income Replacement

The Personal Injury Protection Plan (PIPP) provides income replacement to people who were working (full or part-time) or could have been working when the accident happened. It covers 90% of your net employment insurance benefits, lost wages, or salary based on gross yearly employment income. Please review our key points for further information.

You're entitled to income replacement, beginning on the eighth day after the accident, when:

• a motor vehicle accident caused the injury, and
• the injury prevents you from performing all or most of the main daily duties of the job that you had at the time of the accident.

Here are some things you can do to speed up your claim for income replacement:

• Make sure we have all the information we need about your employment income at the time of the accident.
• Answer our requests for information as quickly as you can. We can't begin regular income replacement payments until we have all the required documents.

Key Points

• Working at the time of the accident: Income replacement begins on the eighth day after the accident when injuries continue to prevent you from working.
• Employable but not working at time of the accident: Income replacement begins after 180 days after the accident when injuries continue to prevent you from working. However, if you can prove you would have held employment during the first 180 days, you'll be entitled to income replacement based on that job.
• If unemployable at time of the accident, please see this section for further information.
• Income replacement starts after we've received income information from your employer or the required business records from you.
• Once income replacement payments begin, a cheque will be mailed or deposited directly into your bank account every 14 days, until you're no longer eligible for income replacement. Income replacement stops when there's no medical reason preventing your return to work.
• Income replacement is based on the income you were earning before the accident. Your previous income tax returns and employment slips are the best ways to establish your income at the time of the accident.
• Income replacement is 90% of your net income, up to a maximum amount that's adjusted annually.

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