Bodily Injury & Fatalities


PIPP pays a minor:

A lump sum indemnity for each school term the minor doesn't complete because of injuries sustained in the accident.

Income replacement for any income the minor would have been earning but can't earn because of the injuries from the accident.

PIPP definitions:

Minor: Child under the age of 18 at the time of the accident

Elementary school: Kindergarten to Grade 8

Secondary school: Grade 9 to Grade 12

A school year begins: For the purposes of calculations under PIPP, a school year begins on July 1 and ends on June 30.

A lump sum indemnity is only payable when a minor would have completed the school year if not for the accident. The indemnity becomes payable on July 1 for the loss of part or all of the preceding school year. PIPP Benefits provides more information on this year's maximum and other indemnity amounts.

Josh is 15 and in Grade 10. He also works in a fast-food restaurant on Friday nights and weekends. He's injured in a car accident in August and misses the whole year of school and has to quit his job while he recovers from his injuries and works at his rehabilitation. Josh will receive income replacement to cover the lost income from his part-time restaurant job and a lump sum payment to compensate him for his missed year of schooling.

Entitlement to a lump sum indemnity stops at the end of the school year in which the minor turned 18. If a minor reaches 18 and is still unable to work and begin or resume their studies because of injuries sustained in the accident, income replacement begins based on the Industrial Average Wage for Manitoba. The Industrial Average Wage is set using Statistics Canada data for the earnings of all employees in Manitoba.