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Non-Earner Benefits

Civil Litigation & Appellate Advocacy

A category of Ontario accident benefits for those left unable to carry on a normal life after a collision who were not employed at the time of the accident.

Navy title card reading "Major Changes to Ontario Accident Benefits, What the July 1, 2026 reforms mean for you," from Davidson Cahill Morrison LLP (dcmlaw.ca).

Ontario’s Auto Accident Benefits Change Today: What the July 1, 2026 Reforms Mean for You

As of July 1, 2026, most of Ontario’s auto accident benefits are no longer automatic. Only medical, rehabilitation, and attendant care remain mandatory, while income replacement and most other benefits become optional coverage you have to buy. Here is what changed under Ontario Regulation 383/24, who may lose access, and what every driver should do at renewal.

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Traumatic Brain Injury - MRI Results

Non-Earner Benefits Denied Because of Medical Malpractice

It is not uncommon for a car accident victim to suffer further harm through medical negligence while being treated for accident-related injuries. In Midak v RSA, the Licence Appeal Tribunal denied non-earner benefits after finding the claimant’s traumatic brain injury arose from a later fall at a pain clinic, not the accident itself. The decision is a useful study in causation and the interplay between malpractice and statutory accident benefits.

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