These benefits cover costs for services, medical treatments, and expenses that are reasonable and necessary for your recovery.  The Minor Injury Guideline (MIG) is used to determine whether an injury falls within the definitions outlined in the MIG.  Please contact an ICS Legal Services representative for further details.

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Medical Benefits and Rehabilitation Benefits

Medical benefits pay for medical expenses not covered under OHIP or any other private plan, where rehabilitation benefits pay for treatment or other measures you have taken to heal your injuries or re-integrate into your family, society, and the labour market.

These benefits are subject to the following limits:

For minor injuries, individuals are subject to a maximum of $3,500 for medical and rehabilitation benefits, which includes the cost of medical and rehabilitation assessments and examinations.

For non-catastrophic and non-minor claims, medical and rehabilitation benefits are subject to a $50,000 maximum for up to 5 years or until the age of 28 for minors, or up to $65,000.00 if you are not claiming attendant care benefits.  The maximum amounts for non-catastrophic claims may be increased if the optional benefits were purchased.  See your insurance broker for coverage details.

For catastrophic claims, benefits are subject to a $1,000,000 maximum over your lifetime; both are inclusive of medical, rehabilitation, and attendant care benefits.