OCF-10: Election of Income Replacement, Non-Earner and Caregiver Benefit

Although a claimant may qualify for Income Replacement, Non-Earner or Caregiver Benefits, they can receive only one of these benefits and must choose which one to receive. Note that once you, the claimant, decide which benefit to receive, you cannot change your mind later, so choose the benefit thoughtfully. Unless the insurer may require that you complete this form, refrain from doing so unless they ask you to.

You can download the OCF-10 here.

OCF-10: Election of Income Replacement, Non-Earner or Caregiver Benefit – Download
(Effective September 1, 2010)

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    Although the form is straightforward and requests you select the benefit you wish to receive, most claimants find it difficult to decide which benefit to select. Below is an outline of the various benefits. We also recommend that you contact a personal injury lawyer to help you decide the benefit most suitable for you:

    – Income Replacement Benefit: This benefit applies to those employed or self-employed at the time of the accident or who had worked for a minimum period before the accident. The benefit entitles you to a certain percentage of your gross income with a cap on the maximum payout for which you may qualify.

    – Non-earner Benefit: This benefit applies to those unemployed at the time of the accident and whose injuries prevent the completion of regular day-to-day activities.

    Those who qualify for it receive a fixed amount for a prescribed period.

    The payout is a fixed amount issued for only a prescribed period.

    – Caregiver Benefit: This optional benefit applies to accident victims acting as the primary caretakers for a dependant or an adult in need at the time of the accident. It aims to compensate the accident victim for the cost of hiring someone to assume caregiver responsibilities when the accident victim’s injuries prevent them from doing so. If you have a catastrophic impairment, you may qualify for a caregiver benefit even if you did not purchase it as an optional benefit.

    We recommend hiring a personal injury lawyer to help you process your claim because doing so will ensure you submit your forms punctually and correctly.

    Call Us For A Free Consultation

    The personal injury lawyers at McNally Gervan LLP understand the system and are here to help car accident victims in Ottawa get the support they need and the benefits they deserve.

    Legal assistance with Lawyers in Ottawa

    If you have a question or need assistance, our team of personal injury lawyers is here to help. We know every personal injury case is unique and we work hard to make sure our clients are fairly compensated.

    If you are unable to travel to our downtown Ottawa office, one of our lawyers or paralegals can come to meet you at your home or some other convenient location. During the free consultation, we will get to know you and to understand the nature of your injuries, as well as the impact the accident is having on you and your family. Contact us for a free Consultation. We know it’s personal.


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