Self-assessment
Do you need optional accident benefits?
Tick the boxes that apply to you. If you check one or more in a section, that benefit may be worth considering. Then bring your results to a BrokerUnion broker.
Source: Adapted from the FSRA Auto Insurance Reforms Communications Toolkit — Self-Assessment Checklist. For the original document and the latest updates, refer directly to FSRA's July 1, 2026 SABS changes page.
Before you begin
If you have a private or workplace benefits plan, you may already have coverage for some of these benefits. Review your existing plan or speak with your benefits advisor to confirm you have appropriate coverage before making changes.
1. Income replacement benefit
What it covers: Helps replace income you or another covered person may lose because of an auto accident.
2. Non-earner benefit
What it covers: Provides financial support if you or another covered person is a student, unemployed, or retired and an auto accident keeps you from leading a normal life.
3. Caregiver benefit
What it covers: Helps cover caregiving expenses if you can no longer provide care for a household member, such as a child or aging parent.
4. Lost educational expenses
What it covers: Helps cover education costs if an auto accident keeps you or another covered person from attending school or an education program.
5. Expenses of visitors benefit
What it covers: Helps cover reasonable and necessary expenses of visitors, such as siblings or parents, if you or another covered person is injured.
6. Housekeeping & home maintenance benefit
What it covers: Helps cover costs if you or another covered person is unable to perform housekeeping and home maintenance tasks normally done before an accident.
7. Damage to personal items benefit
What it covers: Helps cover the cost to repair or replace personal items (clothing, prescription eyewear, hearing aids, etc.) damaged in an accident.
8. Death benefit
What it covers: Compensates some family members if you or another covered person die due to an auto accident.
9. Funeral benefit
What it covers: Helps cover some funeral costs if you or another covered person die due to an auto accident.
10. Supplementary medical, rehabilitation & attendant care
What it covers: Helps cover expenses for medical benefits beyond the standard limits.
11. Dependant care benefit
What it covers: Helps cover reasonable and necessary additional expenses associated with caring for dependants such as a child, spouse, or aging parent.
12. Indexation benefit
What it covers: Helps ensure that certain weekly payments and monetary limits are adjusted annually to reflect changes in the cost of living.
Your results
Tick the questions that apply to you above. Benefits worth considering will appear here.
Disclaimer: The descriptions of statutory accident benefits in this document are a summary of the statutory accident benefits in Ontario Regulation 34/10 (the "SABS"). Do not rely on this summary alone. For full details, refer to the FSRA or speak to your licensed insurance broker.