An Overview of Section B Benefits in Alberta
Under the Alberta Insurance Act, every automobile insurance contract across the province must include a standard set of accident benefits. A person involved in a car accident may access these benefits to help cover costs associated with medical treatment, disability support, and more. Found in section B of this standard automobile insurance contract, they are referred to as “Section B Benefits.”
If you have questions about Section B Benefits, or are in need of legal advice regarding a particular case, contact our Edmonton Section B Benefits lawyers today and schedule a free consultation.
Eligibility for Section B Benefits
Any insured person who is a resident of Alberta is eligible for Section B Benefits, whether or not they were at fault for the accident. This is known as “no-fault” benefits. The definition of “insured person” covers more than just the individual who owns the insured vehicle. It can also apply to the spouse or children of the vehicle owner, an occupant of the vehicle at the time the accident occurred, or a pedestrian struck by the insured car.
You may be eligible for Section B Benefits even if you are uninsured, or if you were driving someone else’s car. To discuss your specific circumstances, schedule a free consultation with our Edmonton Section B Benefits lawyers today.
What do Section B Benefits Cover?
Section B Benefits can cover medical expenses, expenses associated with death and disability, as well as costs associated with accidents that occur in no-fault jurisdictions outside Alberta.
The benefits available to a given individual will vary depending on the specific nature and scope of their injuries. In general, Section B Benefits pay up to $50,000 for any medically necessary treatments for injuries that arise within two years of the car accident in question - in the event said treatments are not already covered by Alberta Health Care or other insurance.
Examples of medical costs that may be covered by Section B Benefits include:
- Ambulance services
- Hospital services
- Medical supplies
- Medical equipment
- Occupational Therapy
- Speech therapy
- Acupuncture (up to $250)
- Chiropractic care (cup to $750)
- Massage therapy (up to $250)
- And more
If the injuries caused by the accident have led to you being unable to work, you may be eligible for disability benefits under Section B. These benefits are intended to provide financial support while you recover, and are calculated as a percentage (80%) of your gross weekly earnings. The maximum is $400 a week, for up to two years.
Disability benefits can be accessed even if you have other benefits available to you, such as through employment insurance. In this case, Section B Benefits can “top up” other disability benefits, up to the aforementioned maximum of $400/week, for up to two years.
Contact Our Edmonton Section B Benefits Lawyers Today for a Consultation
Following an injurious accident, many stressors may add up. Physical pain, stress about losing work due to your injuries, debts incurred in the process of your recovery, and more, may contribute to feelings of overwhelm. There is no need to navigate the insurance system alone. Contact our Edmonton Section B Benefits lawyers today to discuss your unique case, and learn what options may be available for you.
** Please be advised, this article is intended as a general overview on a legal subject, and does not constitute legal advice. For legal advice, please consult with a lawyer.