Bodily Injury & Fatalities

Catastrophic Injuries

The Personal Injury Protection Plan (PIPP) provides enhanced coverage for the people who need it most. If you have been catastrophically injured in an accident, PIPP offers you enhanced income replacement, permanent impairment payments and more money for personal care.

Key Points

Catastrophic Injury is defined as the following:

  • Permanent and complete spinal cord injury (paralysis)
  • Brain injury resulting in a permanent need for supervision
  • Multiple amputations
  • Complete loss of sight
  • Debilitating psychological injury
  • And other similar injuries

People who are catastrophically injured in an accident are eligible for enhanced coverage under PIPP:

  • The minimum Income Replacement you're eligible to receive is based on the Industrial Average
  • The maximum payment for a Permanent Impairment is significantly enhanced
  • The maximum monthly Personal Care coverage is enhanced
  • We can offer additional Attendant Care Coverage to support a return to work and mitigate Income Replacement costs
  • We can cover the extra-ordinary costs associated with an attendant to accompany a victim while travelling or other additional costs to travel
  • We can cover the extra-ordinary costs for a victim to take part in recreation or leisure activities as a result of the accident related impairment


  • A victim who was involved in an aquatic program prior to the accident now requires assistance in the pool. Those extra-ordinary expenses may be considered for coverage.
  • A victim that used to enjoy fishing but now requires a specialized prosthesis constructed to hold the rod may be reimbursed
  • A victim who could normally participate in recreational activities within their local community but now must travel a great distance to take part in a specialized program such as sledge hockey, wheelchair basketball or rugby may be entitled to the additional costs to travel to these events
  • We may cover the costs to secure specialized transportation


  • A vehicle purchased for the victim’s use that requires modification to the point where it can be used for little else could be reimbursed
  • We may coordinate eligible benefits from other governmental agencies such as, but not limited to:
  • Regional Health Authorities
  • Child and Family Services
  • The Public Guardian and Trustee of Manitoba
  • Vulnerable Persons’ Commissioner Office
  • Manitoba Housing

Claimants who are deemed catastrophically injured and entitled to the enhanced benefits may also be entitled to reimbursement of the extraordinary expenses under the following circumstances:

  • To provide temporary benefits when a claimant is waiting for funds from an alternate government program
  • To cover an expense not normally paid under PIPP that will lead to fewer PIPP benefits being needed in the longer term
  • To top-up the benefits of another governmental agency that will lead to fewer PIPP benefits needed in the longer term

Please refer to the PIPP Benefits outline for the current reimbursement rate.