5 Tips for Completing an OCF-2: Employer’s Confirmation Form
“If you are no longer able to work because of injuries you sustained in a motor vehicle collision, you may be entitled to income replacement benefits through your automobile insurance provider. Income replacement benefits should be offered as part of all automobile insurance policies throughout the province of Ontario, in accordance with the Statutory Accident Benefits Schedule.
An injured car accident survivor 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.
Below are five tips to help you complete the OCF-2.
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.
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 – SELF-EMPLOYED ACCIDENT SURVIVORS MIGHT STILL NEED TO COMPLETE AN OCF-2
Income replacement benefits may be 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.
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. 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
Insurance forms are not always easy to understand. They often include difficult language and complicated instructions. Our Ontario accident benefits lawyers have experience helping clients complete their necessary insurance forms. If you have questions about submitting your accident benefits claim, contact Preszler Injury Lawyers today and receive a free initial consultation. To get started, call 1-800-JUSTICE today.