Accident Benefits: Best Practices for Discharge and Beyond

At Excel Care we want to be with you from your Discharge and Beyond after your Motor Vehicle Accident. We dedicate this page with everything you need to get started in applying for your Accident Benefits.

We encourage you to contact Excel Care while you are still in the hospital. Having a Nurse Case Manager upfront helps you avoid delays in your discharge. We will help you coordinate your paperwork, plan your rehabilitation team, coordinate your discharge, and help you with finding a lawyer if you haven’t obtained one.

Applying for Accident Benefits

When you or a loved one is involved in a Motor Vehicle Accident, you need to know that as a driver, cyclist, or a pedestrian, in Ontario, you are entitled to receive Accident Benefits from your insurance provider, regardless of whether or not you have been deemed to have caused the accident.

In the event that you do not have insurance, you will receive benefits under the insurance policy of the vehicle that was involved in the accident. If that vehicle has no insurance, you will still be able to access insurance through the Motor Vehicle Accident Claims Fund.

Necessary Forms

In order to begin accessing these benefits, the following documents must be completed and submitted to the insurance company:

OCF-1: Application for Accident Benefits (PDF)

This form is required to initiate any claim with the insurance company. Once the accident has been reported to the appropriate insurance company, they will send you these documents in the mail. DO NOT WAIT for the insurance company to send you the OCF- 1. You can begin completing it right away. You do not require a lawyer to assist you in completing this document.

OCF-3: Disability Certificate (PDF)

The OCF-3 is one of the most important forms that you have to fill out. It requires the injured party to provide a description of the car accident, along with injuries sustainedThis form should be completed by the physician (or other appropriate health care provider) while you are still in the hospital. The description of your injuries of the car accident need to align with the police reports, insurance company, and to your lawyer. This ensures that there is no delay in accessing your benefits upon discharge from the hospital.

OCF-19: Determination of Catastrophic Impairment (PDF)

This form must be completed by your physician. This form should be completed as soon as possible to avoid any delay in accessing the full scope of benefits as you may be suffering from a catastrophic impairment and there are benefits that you are entitled to receive.

OCF-2: Employer’s Confirmation Form (PDF)

This form allows you to give permission to your Insurance Company to contact your current employer to release details about your employment history and salary.

Ensure your Care Team is Assembled

Excel Care will be your key to effective discharge planning and rehabilitation. We will help you build your care team and ensure continuity of rehabilitation upon discharge and beyond. We will also make sure that there is a safe home environment upon your discharge. Please review Excel Care’s Medical Nurse Case Management Services to understand more about our role as your Medical Nurse Case Manager.

Retain a Qualified Lawyer

We strongly recommend that you retain a qualified Personal Injury Lawyer if you or your family member has been involved in a Motor Vehicle Accident.

When hiring a Personal Injury Lawyer, here are some things to keep in mind:

  • Look for a lawyer who specializes in the area of Personal Injury Law
  • You should not be asked to pay upfront costs or retainer fees
  • Finding a lawyer who is certified by the Law Society of Upper Canada as a Specialist in Civil Litigation (or has other objectively validated criteria establishing their experience and expertise as a plaintiff’s Personal Injury Lawyer)
  • You must feel comfortable with your lawyer; that they are someone that you trust as you will most likely be working with this lawyer for many years to come.

PLEASE NOTE: Certain legal claims must be advanced immediately following an accident (such as providing notice of potential claim against a Municipality – notice must be provided within 10 days post accident) so try to encourage a timely consultation with a Personal Injury Lawyer.

To help you keep track of all these details, please download the attachedĀ Discharge Checklist for your files.

All other Ontario Auto Insurance Claim Forms (OCF Forms), can be reviewed and downloaded here.

 

 

 

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