Accident Benefits Overview
Understand the role of Statutory Accident Benefits, what they may cover, and how insurers review requests connected to care and treatment.
MVA Resources
MVA Benefits & Assessment Guide
Clear, structured information to help clients, families, lawyers, and referral partners understand accident benefits, assessment pathways, and how Form 1 and OCF-18 requests fit into Ontario MVA files.
General guidance only. This page provides high-level information about Ontario accident benefits, assessment pathways, and common documentation. Eligibility, approval, and benefit limits are determined by the insurer and applicable legislation.
What This Guide Covers
This page gives a practical overview of how accident benefits and common assessment requests are typically organized. It is designed to make the system easier to understand before you move into a live file or intake process.
Form 1 & OCF-18
Learn what these two common forms are used for, how they support care or assessment requests, and why structured documentation matters.
Insurer & Legal Flow
See how clients, families, legal representatives, adjusters, and assessment providers fit into one coordinated process.
Statutory Accident Benefits (SABS)
What SABS Means
Individuals injured in a motor vehicle accident in Ontario may be eligible for Statutory Accident Benefits under Ontario’s auto insurance system. These benefits are governed by the Statutory Accident Benefits Schedule and administered through automobile insurers.
- Medical and rehabilitation benefits
- Attendant care benefits
- Assessment and examination costs
- Income replacement and other supports
How Insurers Review Benefits
Ontario operates under a no-fault accident benefits system, meaning eligible individuals may access certain benefits regardless of who caused the accident. Eligibility, benefit limits, and approvals are determined by the insurer in accordance with SABS.
That is why clear documentation, proper assessment requests, and structured follow-up matter throughout the file.
Common Assessment Forms
Form 1 – Attendant Care Needs
Form 1 is used to assess the need for attendant care services following a motor vehicle accident. It helps document the level of support a client may require in daily living activities and organized care delivery.
When structured properly, it becomes a key part of the care and benefits pathway for eligible files.
OCF-18 – Treatment & Assessment Plan
OCF-18 is commonly used to request approval for proposed treatment or assessment services. It is reviewed by the insurer in accordance with applicable legislation and documentation requirements.
The form itself is only one part of the process — the surrounding documentation and coordination are equally important.
Important note. Completion of a form does not guarantee approval. Benefit decisions remain with the insurer and must be assessed against the applicable policy, accident benefits framework, and supporting documentation.
How the Process Usually Works
Step 1
Referral or Intake
A client, family member, lawyer, or referral partner starts the file and identifies the need for support, care, or assessment coordination.
Step 2
Assessment Planning
The appropriate assessment path is identified based on the case context, documentation needs, and the type of benefits being pursued.
Step 3
Insurer Review
Forms and supporting information are reviewed by the insurer in accordance with accident benefits rules and internal claim handling processes.
Step 4
Follow-Up & Coordination
Communication, reporting, and next steps are managed with continuity in mind to help avoid delays and confusion.
Where DailySupport Fits
Our Role
DailySupport provides care services, attendant care, assessments, and coordination that may be required as part of an accident benefit file. Our role is to support structured intake, documentation flow, coordination, and continuity across the process.
What We Do Not Do
- We do not determine eligibility for accident benefits
- We do not approve or deny claims
- We do not provide legal advice
For case-specific legal questions, individuals should speak with their legal representative or insurer.
Need Help Understanding the Next Step?
Speak with us about MVA support and assessment coordination.
If you need help understanding what may be required for a file, or how assessment and care coordination may fit into the process, we can help explain the general pathway and next step.