Financial benefits to support your recovery
A crash can affect your financial wellbeing as much as your physical wellbeing. That’s why ICBC has financial benefits to support your recovery.
Income replacement benefits
If your injuries have prevented you from working after the first seven days, you may be eligible for the income replacement benefit. Learn more about this benefit.
If travelling to your treatments requires you to pay any costs (like mileage, transit or parking) ICBC can reimburse you. Keep track of your travel expense with the Treatment Travel Expense form and submit them for reimbursement through the online claims service.
Personal care assistance
If you need help performing daily tasks during your recovery, you may also be eligible for the personal care assistance benefit. To see if you qualify, discuss completing a Personal Care Assessment with your ICBC recovery specialist to determine your needs.
If the Personal Care Assistance Report identifies the need for further support, you may hire a personal care assistant to help you with daily activities as you recover. You may choose to hire a professional assistant, or someone close to you, like a family member. If you qualify, ICBC will reimburse you for the cost of their assistance.
To be reimbursed, you'll need to maintain records of all costs of your personal care, which includes tracking and documenting the hours that your personal care assistant works. Submit them regularly through the online claims service for reimbursement.
Based on your Personal Care Assessment, the benefit amount will depend on the nature of your injuries and assistance required.
Most injuries: up to a maximum of $5,484 per month
Catastrophic injuries that don’t require 24-hour care: up to a maximum of $6,558 per month
Catastrophic injuries that do require 24-hour care: up to a maximum of $10,897 per month
If you were the primary caregiver of another person before the crash and are no longer able to provide that care due to your injuries, you may be eligible for a weekly payment to cover new caregiving expenses. Your claim representative can let you know if you are eligible and help you apply for this benefit.
Auto and bike repairs
If your vehicle or bike was damaged in the crash, you may be eligible to have the repair costs covered. Speak to your claim representative so they can help.
Learn how ICBC supports you if you are in a crash as a cyclist or pedestrian.
Financial benefits for severe, permanent and catastrophic injuries
If your injuries are permanent, ICBC is here to support you with additional benefits, including a lump sum payment. The amount of the payment depends on your specific injury, so speak to your recovery specialist to see if you qualify.
Not all severe and permanent injuries are catastrophic Injuries. Catastrophic injuries are typically the loss of a limb, a traumatic brain injury (TBI) or another injury of similar severity. If your injury is categorized as catastrophic, you may be eligible for:
Higher coverage for personal care assistance.
A lump sum payment to help you adjust to your injuries.
Benefits covering extraordinary expenses for travel, accommodation or other special circumstances.
If you think this applies to you, speak to your ICBC recovery specialist to see if you are eligible for additional benefits.
If you have permanent injuries that prevent you from participating in your previous recreational and leisure activities, like sports and exercise, you may be eligible for additional support benefits or expense reimbursement. Talk to your ICBC recovery specialist to see if you qualify.