What Kinds of Benefits Does The Section B Schedule Provide?
Section B benefits
provide up to $50,000 per insured person for all reasonable medical expenses incurred within two years of the date of the accident for treatment of injuries associated with that accident. These include: medical, surgical, chiropractic, dental, hospital, psychological, physical therapy, occupational therapy, massage therapy, acupuncture, professional nursing and ambulance services and any medically necessary equipment, home modifications or vehicle modifications deemed essential for the treatment or rehabilitation of the injured person.
In the case of common minor injuries such as strains, sprains and whiplash associated disorder (WAD), an injured person can seek treatment under the Diagnostic and Treatment Protocols Regulation
(Alberta Regulation 116/2014). These protocols classify these injuries, provide criteria to establish degree of severity, and outline courses of treatment.
If injuries resulting from an accident prevent a person from working, they may be entitled to disability benefits worth up to $600 a week or 80% of their weekly pre-tax earnings, whichever is less. If there are other disability benefits, the other disability provider and Section B share the responsibility to pay disability benefits.
In order to qualify for these benefits, a person must be:
- injured in an accident involving a motor vehicle;
- able to identify a Section B insurer to claim against;
- be actively employed at the time of the accident or be at least 18 years old and have been employed for at least six of the last 12 months (months worked do not need to be consecutive);
- disabled to the extent that they cannot perform ALL of the duties of their job within 60 days of the accident; and
- be available to be evaluated and certified as disabled by a Section B insurer-appointed medical practitioner who is duly qualified.
To claim these benefits a person must be wholly and continuously disabled. Since these benefits do not apply to a claimant’s first seven days off work and they will not cover all lost employment income in and of themselves, an accident victim could make a subsequent tort claim for this portion of lost earnings.
Death, Funeral and Grief Counselling Benefits
In the event of a fatal accident, a basic death benefit is payable to a household based on the deceased person’s age and status within the household. Deceased heads of household or spouses/interdependent partners of heads of households aged 10 or older provide a $10,000 death benefit. Deceased dependent relatives aged up to four years old or over the age of 70 provide $1,000. Deceased dependent relatives aged five to nine years old or aged 18 to 69 provide $2,000. Deceased dependent relatives aged 10 to 17 provide $3,000.
Funeral service expenses up to the amount of $6150 and grief counselling expenses up to the amount of $500 in respect of the death of any one person in a household are also payable.