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5 Tips For Filling Out The OCF-3 Form: Disability Certificate

If you were injured in a motor vehicle collision, you should be able to access certain accident benefits through your automobile insurance provider. The amount of accident benefits to which you might be entitled are determined based on the severity of your injuries, the financial costs you have incurred because of your injuries, and other factors. If your injuries are disabling in nature, you may be required to submit an OCF-3 form, also referred to as a Disability Certificate.

Your right to certain benefits may depend, in part, on the information included in this document. Below are five tips to help you properly complete the OCF-3.

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If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

Tip 1: Do Not Miss the Deadline for Application

You must take quick action when seeking accident benefits. In fact, you must alert your insurance provider to the accident within seven days of the occurrence. You have just 30 days in which to complete and submit all paperwork once you have received it. Your right to accident benefits may be delayed if you fail to meet these deadlines.

A special note about deadlines: Your health care providers cannot complete the OCF-3 any earlier than 10 business days from the date you submit your initial application. Further, you must provide a new OCF-3 within 15 business days in the event your insurer requests a new Disability Certificate.

Call 1-888-608-2111 for available options or Book a Consultation

Tip 2: Complete Only the Specified Sections

You are responsible only for completing the first three parts of the four-page form:

  • Details of the accident
  • Your insurance company’s name
  • Policyholder information

Tip 3: Consult with Applicable Specialists to Help You Complete the Form

Your healthcare providers may be responsible for completing certain sements of the OCF-3. These healthcare providers might include:

  • Dentists
  • Physicians
  • Psychologists
  • Chiropractors
  • Occupational therapists
  • Physical therapists
  • Nurse practitioners
  • Optometrists
  • Speech language pathologists
  • Other medical professionals who can authoritatively attest to your accident injuries

Your health care practitioners are expected to provide details such as the date of onset of symptoms, medications, pre-existing conditions and other relevant information.

Tip 4: Understand What You Are Agreeing To Before Signing

You are required to sign Part Four of the OCF-3, which grants certain rights to your insurer and medical care providers. You should not take this step until your physician(s) complete the remainder of the form and explain your diagnosis.

Tip 5: Be Careful, Thorough and Honest

All accident benefit forms, including the OCF-3, should be neatly printed and as detailed as possible. Ensure there are no inaccuracies or inconsistencies before submitting the document.

If you have questions about completing your OCF-3, contact our Ontario accident benefits lawyers and receive a free initial consultation on your case. For more information, call 1-800-JUSTICE.

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Toronto, ON
M4R 1A6
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Burlington, ON
L7L 4X6
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L6W 3W8
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Whitby, ON
L1N 1C4
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L4N 0Z7
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London, ON
N6A 5B5
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East Tower Mississauga, ON
L5N 6A6
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1 Hunter St E,
Hamilton, ON
L8N 3W1
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459 George St N,
Peterborough, ON
K9H 3R9
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22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
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116 Lisgar Street, Suite 300
Ottawa ON
K2P 0C2
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10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
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*consultation offices

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