A catastrophic injury can arise in cases where you or a loved one is injured in a car accident, motorcycle accident or where you are injured by a motor vehicle accident while a pedestrian. In Ontario, a catastrophic injury is one which is defined by the Statutory Accident Benefits Schedule. This means that your injuries will need to meet a certain test in order for you to be entitled to enhanced accidents benefits.
In Ontario, if you have sustained a catastrophic injury, you are entitled to enhanced benefits. You will be entitled to up to $1 million in medical, rehabilitation and attendant care benefits for the rest of your life. Furthermore, you will be able to collect a housekeeping benefit of up to $100 per week over the course of your life.
The system in Ontario to have someone designated as sustaining a catastrophic impairment is difficult in most cases. It is not uncommon for insurers to deny claims for such a designation. In such instances, you need a lawyer with the ability and experience to advance your interests via the dispute process established in Ontario. Again, experience in trial and hearings is critical in such matters and it is important that you have a lawyer who is prepared to advance your interests.