Statutory Accident Benefits Schedule (2026 Edition)
Your Essential Guide to SABS in Ontario
What are SABS
What are Statutory Accident Benefits?
SABS are mandatory benefits included in every Ontario auto insurance policy. They are designed to provide immediate financial and medical support following an accident. Because Ontario uses a “No-Fault” system, you apply for these benefits through your own insurance company, even if the other driver caused the crash.
“The SABS system is designed to be a safety net, but for many, it feels like a maze. Our job is to cut through the red tape so you can focus on healing.” — Avi Vaturi, Partner
Funding tiers
How Much Funding is Available?
In 2026, the amount of medical and rehabilitation funding you can access depends on the “Classification” of your injury:
Minor Injury Guideline (MIG)
Covers strains, sprains, and whiplash. Funding is typically capped at $3,500.Non-Catastrophic Injuries
Covers more serious fractures or psychological trauma. Funding is capped at $65,000 for up to 5 years.Catastrophic Impairment (CAT)
Covers life-altering injuries such as brain damage or paralysis. Funding provides up to $1,000,000 for life.
Essential benefits
More Than Just Medical Bills
The SABS schedule covers a wide range of expenses that many victims overlook:
Income Replacement Benefits (IRB)
Up to $400 per week (or more if you purchased optional coverage) if you cannot work.Non-Earner Benefits
For students or retirees who cannot carry on a normal life.Attendant Care Benefits
Funding for someone to help you with personal grooming, dressing, or bathing.Housekeeping & Home Maintenance
(For Catastrophic cases) Funding for cleaning, snow removal, and lawn care.Death & Funeral Benefits
Financial support for grieving families.
Critical deadlines
4 Critical Deadlines You Cannot Miss
Missing a deadline can result in a permanent denial of benefits.
- You must notify your insurance company of the accident.
- 7 Days
- You must submit the completed OCF-1 (Application for Accident Benefits).
- 30 Days
- If your insurer requests a medical examination (IE), you must respond within 10 business days.
- 10 Days
- If your benefits are denied, you generally have two years to dispute the decision through the Licence Appeal Tribunal (LAT).
- 2 Years
You must notify your insurance company of the accident.
You must submit the completed OCF-1 (Application for Accident Benefits).
If your insurer requests a medical examination (IE), you must respond within 10 business days.
If your benefits are denied, you generally have two years to dispute the decision through the Licence Appeal Tribunal (LAT).
Why hire a lawyer
Don’t Let the Insurer Decide Your Future
Insurance adjusters are often under pressure to keep claims within the “Minor Injury” cap. At VC Lawyers, we use a data-driven approach to fight for higher classifications:
Expert Medical Network
We connect you with top Ontario specialists to provide the evidence needed to move you out of the MIG.Digital Evidence
We utilize 2026 forensic tools and Vision Zero data to demonstrate the severity of the impact.LAT Advocacy
If your benefits are cut off, we represent you at the Licence Appeal Tribunal to restore your funding.
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