When involved in a motor vehicle collision, you are able to
collect no-fault benefits from your insurance provider. If you are
unable to return to work as a result of your injury, then one of
the benefits you receive from your insurer are income replacement
benefits (IRBs). The amount received in IRBs is 70% of your gross
pre-injury income, up to a maximum of $400.00 per week.
In order to be eligible for IRBs, you must be either employed or
self-employed for at least 26 out of 52 weeks before the accident.
Also, you must have suffered an impairment, which was directly
caused by the motor vehicle collision, including both physical and
psychological impairments. The test to determine whether you are
eligible for IRBs is found in s. 6(1) of the Statutory Accident
Benefits Schedule, where it states:
