Bodily Injury & Fatalities

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 per cent of your net employment insurance benefits, lost wages or salary based on gross yearly employment income.

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

  • A motor vehicle accident caused the injury.
  • 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.

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 180 days after the accident when injuries continue to prevent you from working. However, you are only eligible for income replacement if you still can't work because of injuries sustained in the accident.
  • Unemployable at time of the accident: No eligibility for income replacement.
  • Income replacement payments start 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 past income tax returns and employment slips are the best ways to establish your income at the time of the accident.
  • Income replacement is 90 per cent of your net income, up to a maximum amount that's adjusted annually.