Bodily Injury & Fatalities

Payments

Spouses, common–law partners, dependants and, in some cases, grown children and parents of a person who was fatally injured, are eligible for lump–sum payments under the Personal Injury Protection Plan (PIPP).

The amounts paid depend on the deceased's age, gross yearly employment income and the age(s) of the dependent children.

If there are dependent children but no spouse or common–law partner, the dependent children share the amount that otherwise would have been paid to the spouse. This amount is in addition to the payment they receive as dependants.

If there is no spouse, common–law partner or dependants, then non–dependent children and parents are eligible to receive a payment.

If there is no immediate family, no lump–sum payments would be made.

Each year on March 1, we use the Consumer Price Index to adjust lump–sum payments for inflation.

Payment to Spouse or Common–law Partner

PIPP pays a lump–sum to a spouse or common–law partner. The amount paid depends on the age and income of the deceased at the time of the accident.

A spouse is: someone who was married to and living with the person at the time of the fatal injury.

A common–law partner is: someone who was living with the person in an unmarried, conjugal relationship at the time of the fatal injury AND the relationship involved any of these three circumstances:

  • the common–law relationship had been registered under section 13.1 of The Vital Statistics Act
  • the partners had been living together for at least three years at the time of the accident
  • the partners had been living together for at least one year at the time of the accident and had parented a child together

Determining the payment amount

If the deceased had been employed at the time of the accident, the payment is based on the person's gross yearly employment income and age.

To calculate the amount that a spouse or common–law partner will receive, we multiply the gross yearly employment income by a payment factor from 1 to 5. The highest payment factor of 5 applies when a person is fatally injured at age 45.

If the deceased had been unemployed at the time of the accident and would not have been entitled to income replacement benefits, the spouse or common–law partner receives the minimum lump–sum payment. Please refer to the PIPP Benefits outline for the current payment rate.

Payments to Dependants

PIPP pays a dependant a lump-sum depending on the dependant's age at the time of the accident.

A dependant can be any of the following:

  • a child who was under 18 at the time of the accident
  • a child who was substantially dependant at the time of the accident
  • someone married to the deceased but legally or otherwise separated from that person
  • someone divorced from the deceased and who, at the time of the accident, was entitled to receive support payments according to an agreement or court judgment
  • a parent who was substantially dependant at the time of the accident allergic 

Disabled dependants

A disabled dependant is entitled to an additional payment.

Disabled dependants have a mental or physical disability that prevents them from being financially self–sufficient. Their disability must have existed at the time of the accident. Your case manager will discuss the ways in which this entitlement can be confirmed.

Payment to Dependants of a Single Parent

When a single parent is fatally injured, PIPP provides two payments to dependent children:

1 - the payment that would have been made to a spouse or common–law partner, if there had been one, is divided equally among the dependent children

2 - the regular payment made to a dependent child

This payment structure recognizes that dependants of a single parent could have limited financial resources and provides some additional financial support in consideration of these circumstances.

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

Payments in Other Situations

When the deceased had no spouse, common–law partner or dependants, then non–dependent parents and non–dependent children will each receive a lump–sum payment. Please refer to the PIPP Benefits outline for the current payment rate.

Payments to Caregivers

If at the time of the accident the deceased’s main occupation was to care for a child under 16 or a disabled adult without pay, then the new primary caregiver may be entitled to compensation under PIPP.

Your case manager is there to advise you on what information you can submit to support an entitlement to this coverage.