Bodily Injury & Fatalities

Questions and Answers

Q
Why don't I receive income replacement for the first seven days I missed work after the accident?
A
The seven-day waiting period is similar to a deductible in other insurance policies - you share a small part of the loss. However, if you're off work for more than a week, you're covered for the more substantial loss. This protects seriously injured people who need income replacement long-term and keeps the overall cost of coverage down.
Q
I was collecting Employment Insurance at the time of my accident. My injuries are serious enough to prevent me from looking for work at this time so I'm no longer eligible for Employment Insurance. Do I qualify for income replacement?
A
Yes. Income replacement will replace 90 per cent of the net benefit you were receiving from Employment Insurance for the first 180 days. At that point, if the disability persists, we will do a 180 day determination to assess your situation.
Q
My car flipped over on an icy road and I was in hospital for two months, then in rehab for six months. I'm now able to return to work. When I contacted my employer, I was told that my full-time job had been taken by someone else and that there was no work for me. Can I still get income replacement?
A
Yes. Income replacement continues temporarily for full-time, part-time and temporary earners who have lost a job because of the accident. Ordinarily, income replacement would end as soon as you were able to return to work at your old job. However, income replacement, following the loss of your job, will continue as follows:
  • for 30 days, if you were eligible for income replacement for 90 to 180 days.
  • for 90 days, if you were eligible for income replacement for 181 days to 365 days.
  • for 180 days, if you were eligible for income replacement for more than one year but less than two years.
  • For one year, if you were eligible for income replacement for more than two years.
Q
I have been collecting income replacement since January 2005 and turned 65 in February 2012. Am I eligible for the Retirement Income Benefit?
A
Yes. You were receiving income replacement when the Retirement Income Benefit came into effect so you are eligible for it. Contact your case manager.
Q
I have been doing the bookkeeping for my husband's greenhouse business for the last five years. I don't get paid. Last week, I was in a car accident and my injuries are preventing me from doing the bookkeeping work at this time. Are the costs of hiring someone to do this work until I'm able to do it again covered?
A
Yes. PIPP covers the cost of hiring someone else to do your work, up to a maximum weekly amount. Please refer to PIPP Basic Benefits for the amount covered at this time. The coverage can continue for 180 days while you're unable to do the bookkeeping because of injuries sustained in the accident. After 180 days, the compensation will end, even if you still can't do the work. However, if you're still disabled at that time, you'll be entitled to income replacement based on a determined employment.
Q
I earn more annually than the insurable gross yearly income maximum. Is there other insurance that I can purchase to cover my loss of income over the limit?
A
Yes. You can purchase an Income Replacement Indemnity (IRI) Extension policy from your Autopac agent.