Accident Benefits: The Forms (Part 1)

Written by: Sajjad Jaffer

To receive accident benefits from your auto insurer after an accident, you will need to fill out a variety of forms. This entry provides a brief outline of some of the forms.

OCF-1: Application for Accident Benefits

Fill out this form when you are applying for benefits for the first time as a result of an accident, including if you are injured and are applying for income replacement benefits. This form must be returned within 30 days after receiving the package. If you are unable to return it within 30 days, submit it to your insurance company anyway and explain why you were not able to complete it within 30 days.

OCF-2: Employer’s Confirmation of Income

If the insurance company asks you to, please give this form to your employer. This form is completed by you or your representative and by your employer. If you had more than one employer during the past 52 weeks, it is necessary for each employer to complete a separate form. Your insurance company may ask for other proof of income.

OCF-3: Disability Certificate

If the insurance company asks you to, please fill out the first section and give this form to your health practitioner (chiropractor, dentist, occupational therapist, nurse practitioner, optometrist, physician, physiotherapist, occupational therapist, speech language pathologist or psychologist). This form is completed by you or your representative and by your health practitioner.

OCF-5: Permission to Disclose Health Information

This form allows the insurance company access to your personal medical records. Do not fill out this form unless the adjuster handling your claim specifically requests it. Ask the adjuster which records are required and why, and be sure to write on the form the specific dates to which you are permitting the insurance company to access.

OCF-23: Treatment Confirmation Form

This form must be completed to confirm treatment received under the Minor Injury Guideline for accidents which occurred on or after September 1, 2010, or the Pre-approved Framework Guideline for accidents which occurred prior to September 1, 2010. There are exceptions. Please contact your insurance company to find out if this form is required.

After the insurance company reviews your complete application package, you will be contacted about the benefits you are entitled to receive. If your insurance company needs any additional information in order to process your application, they will contact you.

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