Ever Changing World of the Statutory Accident Benefits Schedule (SABS)

In Ontario’s 2014 Budget, the government announced significant auto insurance reforms. A key change involves transferring the Auto Insurance Dispute Resolution System from the Financial Services Commission of Ontario (FSCO) to the Licence Appeal Tribunal (LAT), with applications beginning April 1, 2016.

New Dispute Resolution System

The updated system prioritizes expedited claim resolution through written submissions. Existing FSCO cases in mediation will move to the Automobile Accident Benefits Service (AABS) if mediation fails, while arbitration cases remain with FSCO. All new claims proceed directly to AABS.

AABS aims to “deal with your case in a fair, independent and timely manner” with resolution targets of six months.

Benefit Changes (Effective June 1, 2016)

Catastrophic Injuries:
Previously, injured parties received $1 million for medical/rehabilitation and $1 million for attendant care separately. Under new rules, these combine into a single $1 million limit.

Non-Catastrophic Injuries:
Maximum entitlements increased to $65,000 (from $50,000) for medical and rehabilitation, with $36,000 available for attendant care. Benefits now extend only five years instead of ten, while non-earner benefits limit to two years.

Minor Injury Guidelines:
Medical, rehabilitation, and attendant care benefits remain capped at $3,500.

It is important to review your insurance policies carefully. Optional coverage remains available for purchase to supplement these standard benefits.