Payment of medical expenses;
payment of rehabilitation expenses; and
payment of wage benefits.
However, like any insurance policy or coverage, the benefits are often limited and there is an abundance of “small print” which restricts or even precludes coverage. In many instances, ICBC sets a policy which further restricts what will be paid under Part 7.
What ICBC generally requires, but what is NOT REQUIRED to be provided is:
A signed statement covering all of the accident circumstances
A signed authorizations to obtain medical and wage loss information
The signed statement is intended almost totally to assist ICBC in defending a personal injury or death claim; it is not needed or intended to determine whether a person is entitled to Part 7 benefits. For example, it does not matter in a Part 7 claim if a person was or was not wearing a seatbelt because Part 7 is paid regardless of fault – but that is almost always canvassed in the signed statement. Similarly, other matters that deal solely with fault are canvassed in this signed statement.
IT IS NEITHER NECESSARY NOR A GOOD IDEA TO PROVIDE ICBC WITH A SIGNED STATEMENT TO OBTAIN PART 7 BENEFITS.
The medical authorizations and the wage/employment authorizations are again intended more for use by ICBC in defending an injury or death claim that in determining if a person is entitled to Part 7 benefits
WAGE BENEFITS: Regulation 80 provides for payment of wage benefits if an accident and injury prevents a person from working. These benefits are called Total Disability Benefits or TTDs. To qualify for TTDs, a person must have either been employed at the time of the accident or have worked at least 50% of the year before the accident.