You have access to Statutory Accident Benefits as the victim of an automotive accident in Ontario. The value of your claim and qualification for certain benefits will depend on the nature of your injuries. As such, your insurance company may ask for proof that you have suffered disability as the result of the accident.
To that end, you may be asked to complete and submit a Disability Certificate, otherwise known as OCF-3. 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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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.
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; and
- policyholder information.
Tip 3: Consult with Applicable Specialists to Help You Complete the Form
Your medical professionals providing your healthcare are responsible for completing parts five through ten of the OCF-3.
Applicable medical professionals include:
- occupational therapist;
- physical therapist;
- nurse practitioner;
- speech language pathologist; and/or
- 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. Ensure that your health practitioner includes all of your accident related injuries and any pre-existing conditions that will be a barrier to your recovery. Only authorized health practitioners may complete an OCF-3.
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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. Further, you should not sign the document unless you fully understand your rights and obligations as outlined in part four.
Tip 5: Be Careful, Complete 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.
Download a blank OCF-3 Disability Certificate to get started with the application process today. Questions about your right to benefits or unsure of how best to complete the form? Call 1-800-JUSTICE® and schedule a free case evaluation in Ontario with a personal injury lawyer.