Company will pay me health insurance if i had bike insurance????
- Thread starter Cody
- Start date
Depends on your Health insurance plan
RandomHero
Well-known member
There's a lot of things ohip doesn't cover.
Yes, and a lot.
Standard medical coverage (included in your policy, you can pay extra for more coverage):
$50,000 for medical and rehab including assessment costs (pay extra for 1.1million)
$36,000 for attendant care benefits (pay extra for 1 million)
Caregiver benefit: Up to $250 per week for the first dependant plus $50 for each additional dependant; available only for catastrophic injuries (you can pay extra to make it available for ALL injuries).
Housekeeping and Home Maintenance expenses: Up to $100 per week, available only for catastrophic injuries (you can pay extra to make it available for ALL injuries).
Income Replacement benefit: 70 per cent of gross income up to $400 per week. (if you make more than $570/week you can pay extra and get coverage for them to reimburse you $600, $800 or $1000 per week.
Dependant care benefit: Not provided (you can pay extra for dependant care covers, includes $75 per week for the first dependant and $25 per week for each additional dependant to a maximum of $150 per week.
Death and Funeral benefits: $25,000 lump sum for an eligible spouse; $10,000 lump sum for each dependant; maximum $6,000 funeral benefits. (you can pay extra for $50,000 lump sum for an eligible spouse; $20,000 lump sum for each dependant; maximum $8,000 for funeral benefits.)
What do the coverages mean?
Income Replacement Benefit: If you cannot work as the result of an auto accident, you may be eligible for basic weekly income replacement benefits of up to $400 (or more).
Medical and Rehabilitation Benefit: Covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g., physiotherapy, prescriptions) that are not covered by OHIP or your disability insurance plan.
Attendant Care Benefit: Pays for an aide or attendant to look after you if you have been seriously injured in an accident.
Housekeeping and Home Maintenance expenses: If you are unable to perform your usual duties due to your injuries, this benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.
Caregiver Benefit: If you are providing full-time care to dependants and can no longer provide that care as the result of an auto accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.
Death & Funeral Benefit: If you die as a result of an auto accident, the death benefit provides a lump sum payout to your spouse and your dependant; the funeral benefit provides a lump sum payout to cover the cost of your funeral expenses.
Dependant Care Benefit: Pays for additional expenses incurred to care for your dependants if you are employed and are injured in an auto accident
I hope that makes it easy to understand.
-Jamie M.
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What injuries would it not cover?
daught
Well-known member
Basically ohip just reassembles you.There's a lot more to recovery than just putting you back together. For example physiotherapy, which makes all the difference in the world.
BD Williams
Member
BD Williams
Member
Accident Benefits cover less then they did prior to 2010. Its a good idea for anyone who reads Jamies post on the Accident Benefit breakdown to call their insurance provider about these changes.
I do have a chart of what it used to be prior to 2010, and what they've shrunk it down to.
Basically on my list, where is says you can buy upgraded coverage, that used to be what they gave you for free, then the reduced it and charge you more to put it back.
The $400/week wage replacement is the real killer. Think to yourself, could you live and support who you need to on $400/week? No? Better call and up your wage replacement coverage!
-Jamie M.
