Catastrophic Impairments

Various injuries may be considered “catastrophic” by medical experts who conduct these assessments.  Some examples of catastrophic impairments are paraplegia, quadriplegia, permanent loss of a limb, loss of vision in both eyes and certain brain injuries. Where you do not meet one of these tests, once your condition has stabilized or two years has elapsed since the accident, you may make an application to your insurance company for a determination that the impairment is catastrophic.


If your injury is defined as a catastrophic impairment by the Insurance Act, you are entitled to a much higher level of medical and rehabilitation benefits and attendant care benefits (a maximum of $1,000,000 for medical and rehabilitation benefits and $1,000,000 for attendant care benefits). These benefits are payable over your entire lifetime.

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