Accident Benefits Provides benefits that you and other insured persons are entitled to receive if injured or killed in an automobile accident. These benefits include: income replacement for those who have lost income; payments to non-earners who suffer complete inability to carry on a normal life; payment of care expenses to persons who cannot continue to act as a primary caregiver for a member of their household; payment of medical, rehabilitation and attendant care expenses; payment of certain other expenses; payment of funeral expenses and payments to survivors of a person who is killed. You may also purchase optional benefits to increase the basic level of benefits provided in your policy. --------------------------------------------------------------------------------------- The optional benefits your insurance company must offer are: Increased Income Replacement - the basic level of income replacement provided in the policy ($400 per week maximum) can be increased by purchasing optional coverage so that the weekly limit is up to $600, $800 or $1000. All income replacement benefits are based on 80% of your net weekly income. Increased Care Giver and Dependant Care - the basic level of caregiver benefits for care expenses of persons who are not employed but care for dependants (up to $250 per week for the first person needing care, and $50 per week for every additional person) can be increased by purchasing optional coverage so that the weekly limit is up to $325 for the first person and $75 for additional persons. There is no basic benefits for persons who are employed and care for dependants, but if you purchase this optional coverage you can receive a benefit to cover additional weekly dependant care expenses of $75 for the first dependant, and $25 for each additional dependant up to $150 per week. Increased Medical, Rehabilitational and Attendant Care - The basic benefit pays up to $100,000 for medical and rehabilitational expenses, with a 10 year time limit in most cases, and up to $72,000 for attendant care expenses. If catastrophically impaired, the basic benefit pays $1,000,000 for medical and rehabilitational expenses and $1,000,000 for attendant care expenses. You can purchase optional coverage of $1,000,000 above the basic coverage, and that provides no limitation on the time for which these expenses are paid. Increased Death and Funeral - The basic level of death benefits paid to the surviving spouse or surviving same-sex partner and dependant of a person who is killed ($25,000 to surviving spouse or surviving same-sex partner; $10,000 to surviving dependant) can be doubled by purchasing this optional coverage. This coverage also increases the basic funeral expense benefit from $6,000 to $8,000. Indexation Benefit - This optional coverage will ensure that certain weekly benefit payments and monetary limits will increase on an annual basis to reflect changes in the cost of living.
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