ICBC Income Loss/Disability Benefits

You may be eligible for income loss benefits if you were employed at the time of the accident (or at least 6 months in the year preceding the accident) and the injuries you suffered in the accident render you totally disabled from working, no later than 20 days after the accident.

How much does ICBC pay?

ICBC’s income loss benefits are based on your gross earnings in the 12 months preceding the accident. Your benefits are calculated as 75% of you average weekly gross earnings during that 12 month period. The benefits are also capped at $300/week. So if you earned at least $400/week ($20,800/year) over that period, you qualify for the maximum benefits.

When does ICBC pay?

ICBC income loss benefits start one week after the accident – you are not covered for the first 7 days. However, starting on day 8, you are entitled to ICBC benefits unless you are already eligible for private or public income loss benefits.

I qualify for EI sickness – how does that affect my ICBC income loss benefits?

Since EI only starts after two weeks, most people receive one week of income loss benefits from ICBC, followed by up to 15 weeks of EI sickness, and then if they are still disabled, the ICBC income loss benefits resume. Note that ICBC will deduct the amount of EI sickness benefits owed to you, regardless of whether you claim them.

How long do ICBC income loss benefits last?

Your eligibility for ICBC’s income loss benefits continues until you reach 65. However, after two years, ICBC deducts any available CPP disability payments, whether you have applied for those payments or not.

Can I receive ICBC benefits and other benefits at the same time?

If your private income loss benefits or EI benefits pay you less than you would receive in ICBC income loss benefits, then you can apply to ICBC for a ‘top-up’.

What happens to my ICBC income loss benefits if I return to work part-time?

ICBC’s income loss benefits are designed to encourage you to return to work. So you can earn up to 25% of your income loss benefits before they are reduced. Once you exceed 25%, your ICBC benefits are reduced dollar for dollar by your actual earnings.