Bodily Injury & Fatalities

Students

Under PIPP, a student must be at least 18 and enrolled full time in a secondary or post-secondary school, or may be a minor who has met the requirements for receiving a high school diploma or provincial certificate of completion and is enrolled full time in post-secondary school at the time of the accident.

PIPP provides a lump sum indemnity to students for each term not completed because of injuries sustained in an accident.

Students who lose a full year of secondary school or post-secondary school because of injuries sustained in the accident receive a maximum lump sum indemnity.

If the student misses one term of school, the lump sum is pro-rated. For example, if there are three terms in the student's secondary school year and the student loses one term, PIPP will pay the student one-third of the lump sum indemnity.

When the student loses a full school year, the lump sum indemnity is paid on July 1, following the lost school year. When the student loses a term or semester of the school year, the lump sum indemnity is paid at the beginning of the next term or semester.

These lump sum payments continue until the scheduled end date for the student's current level of studies. For example, the end date would be the completion of high school if the student were in high school. If the student was in college or university, the end date would be the completion of a degree.

If the student is still unable to work or return to studies once the end date is reached, PIPP pays income replacement based on the Industrial Average Wage. This income replacement will continue for as long as the claimant meets the eligibility criteria.

We may also determine employment for students who are able to work.