You’ve been to see your doctor, and they have recommended treatment for your injuries. But, it’s expensive and time-consuming. How are you supposed to pay for this if you can’t work? And how are you supposed to work if you can’t get to your treatments to get better?
Thankfully, on every insurance policy sold in Alberta, under the Automobile Accident Insurance Benefits Regulations, there is a mandatory “Section B” coverage. Section B provides most people with coverage for medically necessary treatments that you get on your doctor’s recommendation for 2 years after the accident. Chiropractic treatments are limited to $750, and Massage and Acupuncture treatments are limited to $250 each, but everything else, including Physiotherapy, is capped at $50,000, which is enough for most people’s treatment. Your insurance company will send forms for you and your doctor to fill in. You will need to submit your expenses to your insurance company for reimbursement. Also in your Section B coverage is a Total Disability Benefit. If you are wholly and continuously disabled and can’t perform “any and every” duty of your employment, you are entitled to receive the lesser of 80% of your usual weekly income or $400. Let’s be clear about this… The insurance company does not get to “approve” your Section B coverage. You are entitled to Section B coverage for your medically necessary treatments and if you are unable to work because of your injuries. You are ALSO entitled to 21 treatments in the first 90 days under the Diagnostic and Treatment Protocols Regulation. These are direct billed to the insurance provider by your treatment provider. Your insurance provider could approve further direct bill payments, but if further direct bill payments are not approved, it does not mean that you can’t get your Section B coverage. Comments are closed.
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While this website provides general information, it does not constitute legal advice. The best way to get guidance on your specific legal issue is to contact a lawyer.
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