OCF-10: Election of Income Replacement, Non-Earner and Caregiver Benefit

Although the form is straightforward and requests you select the benefit you wish to receive, most claimants find it difficult to decide which benefit to select. Below is an outline of the various benefits. We also recommend that you contact a personal injury lawyer to help you decide the benefit most suitable for you:

– Income Replacement Benefit: This benefit applies to those employed or self-employed at the time of the accident or who had worked for a minimum period before the accident. The benefit entitles you to a certain percentage of your gross income with a cap on the maximum payout for which you may qualify.

– Non-earner Benefit: This benefit applies to those unemployed at the time of the accident and whose injuries prevent the completion of regular day-to-day activities.

Those who qualify for it receive a fixed amount for a prescribed period.

The payout is a fixed amount issued for only a prescribed period.

– Caregiver Benefit: This optional benefit applies to accident victims acting as the primary caretakers for a dependant or an adult in need at the time of the accident. It aims to compensate the accident victim for the cost of hiring someone to assume caregiver responsibilities when the accident victim’s injuries prevent them from doing so. If you have a catastrophic impairment, you may qualify for a caregiver benefit even if you did not purchase it as an optional benefit.