Income Replacement Benefit Vs. Non-Earner Benefit: Things You Should Know

While no person thinks about accidents while buying a car, most of them cannot shake the chances of an accident every time they sit behind the wheel. That is one of the reasons why most of the car insurance companies offer benefits for the victims of the accidents.

Personal Injury Lawyer

Now, if you are in such a vehicle accident, the accident benefits insurer will offer you with a couple of different options. A personal injury lawyer explains the difference between the most common options, the income replacement benefits (IRB) and the Non-Earner Benefit (NEB) in the following section of this article. Keep on reading if you want to know which one you should choose after the accident.

Income Replacement Benefit

More often than not, the car accident injury compels the victims to take some time off work to recover. This causes a substantial loss of income. The IRB is there to offer compensation to the accident victims for their loss of income. However, the victim would need to meet certain requirements to become qualified for this opportunity.

The statutory Accident Benefits Schedule depicts that you are eligible for the benefit, if:

  • You were not employed, however, were 16 years old and excused from the school during the accident.
  • Employed during the time of the accident but have not been able to go back to the school due to the injuries.
  • You were unemployed during the accident but have a record of working for 26 weeks in the past 52 weeks.
  • Were availing employment insurance at the time of the accident.

A personal injury lawyer points out that the victim would not get any benefits right after the accident. The insurance company will offer IRB within 104 weeks if you are unable to perform your essential duties due to the injury. After 104, the insurance company will continue to pay the IRB if you suffer from a complete inability to engage in any employment.

Personal Injury Lawyer

Non-Earner Benefit

Even if you do not qualify for the IRB, you can still apply for the non-earner benefit. However, just like the IRB, you have to fulfil certain criteria to get the benefit. Here are the requirements that you need to fulfil to get the perk.

  • You should suffer from a complete inability to carry on a normal life.
  • You were a full-time student at the post-secondary or secondary level during the accident.
  • You were unemployed and a recent graduate at the time of the accident.

For the accidents that happened after 1st June, 2016, the victim is eligible to get paid $185 per week once the waiting period of four week finishes. That means the victim has to wait for that four weeks period from the date of the accident to get this benefit. You can avail of this compensation for two years maximum after the accident.

There is no doubt that it is hard for anyone to apply for any of the above types of benefits. Only a personal injury lawyer has enough experience to make the application process easier than it is. So, if you are a victim of a car accident and are thinking about applying for the benefits, it is better if you get in touch with a lawyer first. 

What To Expect From A Lawyer While Reporting Sexual Assault To Law Enforcement In Toronto?

Sexual assault in themselves is a horrifying experience for the victims. More often than not, the victims find it hard to explain the incident to other persons. When they do tell, sometimes their family and friends refuse to believe their stories. That is one of the reasons why most of the sexual assault case goes unreported.

Toronto sexual assault lawyer

To demystify the entire process, the Toronto sexual assault lawyers explained everything associated with a sexual assault case in the following section of this article. Read on to know to have an idea about the steps a victim has to take if he or she wants to report the assault.

Steps The Survivors Can Take

As most of the survivors do not have any idea about the laws and society, almost every one of them blames themselves for the assault. The shame that police interrogation brings on them does not make things easier as well.

While deciding whether or not to report the case is an entirely personal decision, knowing the exact steps might make this process a bit less intimidating to the survivors.

Rape Kit

Following a rape, the first steps the victims can take towards justice is to get a sexual assault medical forensic exam, which is commonly known as the rape kit. As no one ever prepares themselves about taking this examination, most of the victims find themselves uncertain and at a loss while having the tests.

There is no doubt that the examination process is difficult and brings up bad memories. However, the Toronto sexual assault lawyer thinks that knowing exactly what a person will be experiencing during the examination process, it would be easier for the survivor.

Toronto sexual assault lawyer

The survivors should also know that every hospital does not have the trained staff who can perform the sexual assault medical forensic examination. That’s why getting in touch with an experienced lawyer might get benefits for the visitors. It is difficult for survivors to advocate for themselves after the traumatic experience. The lawyers, on the other hand, have enough experience to guide the survivors in the right direction.

Why Those At Risks Don’t Report?

The #MeToo movement has revealed how deep the roots of this problem are. However, the studies showed that the victims who are more at risk, do not report the assaults as often. Even though the women of colour are assaulted more than white women, it is the white women who have reported almost 80% of the assault cases. Systematic racism plays one of the major roles in this problem.

While problems like systematic racism cannot get solved overnight, the simple move to make sure that all survivors have access to the information and resources they deserve can improve the number of sexual assault report charges.

The government, as well as society, have to work together to reduce the shaming and blaming culture that makes these survivors think that nobody would believe their stories. While reporting the assault to the law enforcement is no doubt a big step, the survivors require the help of the Toronto sexual assault lawyer after it. As the lawyers know the legal procedure inside and out, they can guide the victim through the events and help them to get justice