Motor Vehicle Accidents – Optional Coverage for Medical & Rehabilitation Benefits

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Motor Vehicle Accidents – Optional Coverage for Medical & Rehabilitation Benefits

Medical and Rehabilitation benefits cover medical and rehabilitation expenses that are not covered by OHIP or most employer benefits plans.  Examples include physiotherapy, chiropractic treatments, prescriptions, and etcetera.  If you have suffered a minor injury, the standard insurance policy will pay for medical and rehabilitation benefits up to $3,500.  You do not have the option to purchase increased coverage if you have suffered a minor injury.  A minor injury has been defined to include a sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation and any clinically associated sequelae.  This term is to be interpreted to apply where a person sustains any one or more of these injuries.

If you suffered an injury that is outside of the minor injury guidelines, your insurance policy may pay medical and rehabilitation benefits up to $50,000.  If you have purchased optional coverage, your insurance company may pay medical and rehabilitation benefits up to $100,000.  If you are catastrophically impaired, you may receive medical and rehabilitation benefits up to $1,000,000.

You might think that $50,000 is a lot of coverage for physiotherapy treatments – it sure sounds like a lot of money.  But – these benefits include all fees and expenses for conducting assessments and examinations and preparing reports in connection with this benefit.  This means that the actual amount available for treatment will be much lower.  Let’s say it is recommended that you have physiotherapy three times per week.  The cost per hour is approximately $110.  That equals approximately $1,300 per month.  What if you also need massage therapy once per week?  That cost is approximately $360 per month.  You’re already spending over $1,600 per month and you haven’t taken out the cost for assessments, examinations and report writing!  Based on this example, $50,000 won’t last very long.

What if your insurance company says your injury is a minor injury?  The $3,500 limit is not nearly enough to pay for your treatment needs, especially if you suffer from chronic pain.  Protect yourself.  We recommend you speak with an automobile accident lawyer who specializes in personal injury to get advice about any medical and rehabilitation benefits you may be entitled to.  At Nyland Personal Injury Law, we’d be happy to discuss these issues with you.