The package of benefits for No Fault and Tort Coverage vary significantly. See below for a comparison:
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No Fault Coverage |
Tort Coverage |
| General information |
- Saskatchewan residents with No Fault Coverage receive a higher level of defined benefits, regardless of who is responsible for the collision.
- They can sue for expenses not covered by the defined benefits.
- They can't sue for pain and suffering except in very limited circumstances.
- For the majority of injured people, their claim settlement is made up entirely of defined benefits.
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- Saskatchewan residents with Tort Coverage receive a lower level of defined benefits, regardless of who is responsible for the collision.
- They can sue for expenses not covered by the defined benefits.
- They can also sue for pain and suffering.
- For most injured people, the defined benefits make up only part of their claim settlement.
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| Income benefit |
- Up to $82,804 per year to age 65, if required.
- After 180 days, non-earners including homemakers who continue to be disabled will receive at least minimum wage.
- Students will receive up to:
- Elementary year: $5,014
- Secondary year: $9,315
- Post-secondary year: $18,630
- Substitute worker or caregiver benefit available up to $41,028 per year.
- Those younger than age 65 at the time of the crash and off work for at least 2 years also receive a pension equal to 10% of total income benefit received.
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- Up to $19,136 per year.
- For a maximum of 2 years unless your injuries prevent you from working at all - if totally disabled, benefit will be paid for life.
- Homemakers will also be paid up to $19,136 annually for a maximum of 2 years.
- Those who don't qualify for the benefits above, but who are confined to a hospital, bed or wheelchair, will receive $9,568 annually for up to 1 year.
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| Medical and rehabilitation coverage |
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- Up to $24,440 except for those with catastrophic injuries.
- Up to $183,308 for those with catastrophic injuries.
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| Permanent impairment payment |
- Up to $179,126 except for those with catastrophic injuries.
- Up to $218,779 for those with catastrophic injuries.
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- Up to $12,220 except for those with catastrophic injuries.
- Up to $158,867 for those with catastrophic injuries.
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| Death benefit |
- Surviving spouse - 45% of deceased's net income to a maximum gross salary of $82,804 per year.
- Education and training allowance of up to $42,991 for dependent spouses.
- Surviving dependent child - 5% of calculated death benefit per dependent child or disabled adult.
- $28,660 for loss of a dependent child.
- For deceased with no spouse or dependents, $14,330 payment to each surviving parent and each child older than age 21, to a maximum total of $64,486.
- $9,376 funeral benefit.
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- Surviving spouse - 45% of deceased's net income to a maximum gross salary of $82,804 per year.
- Surviving dependent child - 5% of calculated death benefit per dependent child.
- $12,220 for loss of a child.
- $12,220 to estate of those with no spouse or dependants.
- $6,110 funeral benefit.
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