Disability Criteria

The Statutory Accident Benefits Schedule sets out criteria to use when assessing the applicant's disability. The chart below is a general guide to help you determine if the applicant's disability continues.

FOR ACCIDENTS THAT OCCUR ON OR AFTER NOVEMBER 1, 1996

Benefit / Claimant Category
Disability Test during first 104 weeks of disability
Disability Test after 104 weeks of disability
Income Replacement Benefits
Employed, working at the time of the accident.

Unemployed, but worked 26 weeks during the 52 weeks before the accident.

Future employment, had accepted a job offer to start work within one year of the accident.

As a result of the accident, it the applicant substantially unable to perform the essential tasks of the employment they were engaged in at the time of the accident?


As a result of the accident, is the applicant substantially unable to perform the essential tasks of the employment in which they spent the most time during the 52 weeks before the accident?

As a result of the accident, is the applicant substantially unable to perform the essential tasks of the employment they would have begun?

As a result of the accident, the insured person is suffering a complete inability to engage in any employment for which he or she is reasonably suited by education, training or experience.

As a result of the accident, the insured person is suffering a complete inability to engage in any employment for which he or she is reasonably suited by education, training or experience.

As a result of the accident, is the applicant suffering a complete inability to carry on normal life?


Caregiver Benefit
As a result of the accident, is the applicant substantially unable to carry out the caregiving activities they performed at the time of the accident?
As a result of the accident, is the applicant suffering a complete inability to carry on normal life?
Non-Earner Benefit
As a result of the accident, is the applicant suffering a complete inability to carry on normal life?
As a result of the accident, is the applicant suffering a complete inability to carry on normal life?


FOR ACCIDENTS THAT OCCUR ON OR AFTER JANUARY 1, 1994 AND BEFORE NOVEMBER 1, 1996
Benefit / Claimant Category
Disability Test
Income Replacement Benefits
Employed: working at the time of the accident, or on pregnancy or parental leave, lockout, strike or layoff from employment.
Future employment: had accepted a job offer to start work within one year of the accident.
Unemployed, but worked during the three years before the accident.

Is the applicant substantially unable to perform the essential tasks of his or her employment at the time of the accident?
Is the applicant substantially unable to perform the essential tasks of the employment he or she would have begun?
Is the applicant substantially unable to perform the essential tasks of the employment in which he or she spent the most time during the three years before the accident?
Education Benefits: was enrolled in elementary, secondary or post-secondary school or had completed school less than one year before the accident, but was not employed at the time of the accident in a job that reflected his or her education or training.
Is the applicant substantially unable to continue the education program he or she was enrolled in at the time of the accident? or
Is the applicant substantially unable to engage in employment that reflects his or her education or training? or
Is the applicant substantially unable to carry out his or her normal daily activities? (See description below.)
Caregiver Benefits
Is the applicant substantially unable to carry out the caregiving activities that he or she performed at the time of the accident? or
Is the applicant substantially unable to carry out his or her normal daily activities? (See description below.)
Disability Benefits
Is the applicant substantially unable to carry out his or her normal daily activities? (See description below.)
Normal Daily Activities
A person is partially unable to perform his or her normal daily activities if he or she is substantially unable to do one or more of the following activities. A person is totally unable to perform his or her normal daily activities if he or she is substantially unable to do all of the following activities:
· personal care activities that the person ordinarily did before the accident
· mobility activities that the person ordinarily did before the accident
· household activities that the person ordinarily did before the accident
· activities that the person ordinarily did before the accident that require exercise of cognitive powers
· activities that the person ordinarily did before the accident that require the ability to control emotions or behaviour
· activities that the person ordinarily did before the accident that require communication abilities