Extras in Ontario

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Keep this in mind while reading through these optional coverages. You may want to investigate a separate disability insurance policy. Sometimes it's cheaper to buy this coverage outside your auto insurance policy - and you get better coverage, too!

Income replacement benefits
Medical, rehabilitation and attendant care benefits
Dependent care benefits
Death and funeral benefits
Caregiver benefits

Income replacement benefits
If you become disabled as the result of an automobile accident, you may be eligible for weekly income replacement benefits of up to $400. If this isn't enough to cover your current income level, you can buy optional Income Replacement Benefits to increase your maximum weekly protection to $600, $800 or $1,000.

Medical, rehabilitation and attendant care benefits
The standard maximum amount for medical and rehabilitation expenses, such as physiotherapy, chiropractic treatment, dental expenses, etc., is $100,000. If you are catastrophically injured, the maximum is $1,000,000. The standard maximum for attendant care is $72,000. If you are catastrophically injured, the maximum is $1,000,000. You can buy optional benefits to cover up to $1,000,000 in additional medical, rehabilitation and attendant care expenses, and up to $2,000,000 for catastrophic injuries.

Dependent care benefits
If you have young children, this option is worth considering. You can claim for optional Dependant Care Benefits if you're employed at the time of the accident, and you have to pay for childcare expenses as a result of the accident. Optional Dependant Care Benefits cover up to $75 per week for the first dependant and $25 for each additional dependant.

Death and funeral benefits
No one likes to think of the worst. But it is beneficial to plan ahead. If you die as a result of an automobile accident, the standard amount which will be paid is $25,000 to your eligible spouse, $10,000 for each dependant, and a maximum of $6,000 for funeral expenses. If you buy optional benefits, you can increase these amounts to $50,000 to your eligible spouse, $20,000 for each dependant, and $8,000 for funeral expenses.

Caregiver benefits
If you provide full-time care to dependants, and are disabled as the result of a car accident, this coverage will help you. The standard maximum amount for caregiver benefits is $250 per week for one dependant, plus $50 per week for each additional dependant. If you buy optional Caregiver Benefits, the coverage increases to $325 per week for one dependant, plus $75 per week for each additional dependant.