Lost wages can represent a significant financial loss for an accident victim in Ontario. Fortunately, Ontario’s Statutory Accident Benefits Schedule provides an Income Replacement Benefit to help reimburse insured victims for a certain percentage of lost wages.
A victim must submit a detailed Application for Accident Benefits to recover lost wages. An insurance company may request the submission of an Employer’s Confirmation of Income, otherwise known as OCF-2, as part of an application package.
Below are five tips to help you complete the OCF-2 after a car, bike or pedestrian accident in Ontario.
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Tip 1 – Identify who is qualified to complete the form.
You and your employer are required to complete the OCF-2. Identify who at your company is qualified to provide details about your hours, wages and length of employment. This person must be able to answer questions about your job tasks and duties, including a job description and type of employment (full- or part-time, seasonal and so on).
Tip 2 – Ensure there are details to support why you cannot work.
Your employer has space to provide information about the essential tasks of your job and the physical demands associated with each task. Your employer may even provide auxiliary documents to support these assertions. If requested, your employer can provide information that will illustrate why your injuries prevent you from being able to work. For instance, if you have suffered a debilitating back injury, your insurance provider should know that part of your job duties includes lifting heavy boxes or bending and twisting to reach objects.
Tip 3 – A self-employed victim may use OCF-2.
The Income Replacement Benefit is available to those who were self-employed for at least four consecutive weeks just prior to the accident. When completing the OCF-2, consider yourself as both the employee and the employer and answer all questions as such. You still must provide details about your weekly and annual income, benefits and job duties. Your wages will be calculated based on the last fiscal year. However, you must ensure that your taxes have been filed accurately for the previous fiscal year.
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Tip 4 – Know the deadlines for filing.
You have just seven days after an accident in which to inform your insurance provider of the incident. When you notify the insurance company, indicate you are applying for Accident Benefits, including the Income Replacement Benefit. Once you receive your application, you have just 30 days in which to complete and submit the forms, including OCF-2. A failure to meet these deadlines may result in a denial or delay in the payment of benefits.
Tip 5 – Get help filing the OCF-2
A personal injury lawyer who routinely handles Ontario car accident claims can offer insights into how best to approach the Application for Accident Benefits and the surrounding documents. He or she can instruct you about what information is necessary when applying for the Income Replacement Benefit. Your lawyer can review a completed OCF-2 form to identify any weaknesses or missing information.
A Look at What is Covered by Income Replacement Benefits
The Income Replacement Benefit may cover up to 70 percent of your lost gross income at a maximum of $400 per week. This payment is available for 104 weeks after the onset of disability provided that you are unable to return to your pre-accident job. If you can return to work but only in a part time capacity, an Income Replacement Benefit can still be paid but it will be adjusted for the income you receive from your employment. After the 104 weeks, you can still qualify for an Income Replacement Benefits provided that you are unable to perform any job that you are reasonably suited for. This benefit can be paid past the age of 65 so it is very important that this form is completed correctly.
Download the OCF-2 form now to get started on the application process. For personalized help, call 1-800-JUSTICE® and schedule a free case evaluation.