Section B Benefits in Alberta (2025 Guide)
What Are Section B Benefits in Alberta?
In Alberta, Section B benefits — also called accident benefits — are mandatory in every standard auto insurance policy.
They provide no-fault coverage for:
- Medical and rehabilitation expenses
- Income replacement if you can’t work
- Death and funeral benefits for families after a fatal accident
You can claim Section B benefits regardless of who was at fault, and you don’t have to wait for your car accident settlement payout from a personal injury claim to settle.
2025 Section B Coverage at a Glance
| Coverage Type | 2025 Limit | Time Limit |
|---|---|---|
| Medical & Rehab | Up to $50,000/person | 2 years from accident |
| Weekly Disability (earners) | Lesser of $600/week or 80% of gross wages | Max 104 weeks (7-day waiting period) |
| Weekly Disability (non-earners/homemakers) | $200/week | Max 104 weeks |
| Funeral Expenses | Up to $6,150/person | Within 2 years |
| Grief Counselling | Up to $500/family | Within 2 years |
| Death Benefit | Varies by age & relationship | Within 2 years |
Who Qualifies for Section B Benefits?
You may be eligible if:
- You were injured in an automobile accident in Alberta (driver, passenger, cyclist, or pedestrian)
- For disability benefits: you were employed at the time, or at least 18 and employed for 6 of the last 12 months
- Your injuries prevent you from doing all your job duties within 60 days of the accident
- A doctor certifies you are wholly and continuously disabled
What Does Section B Cover?
Medical and Rehab:
- Hospital and ambulance services
- Physiotherapy, chiropractic, massage therapy
- Acupuncture, dental care, medication
- Psychological treatment
Treatment Sub-Limits (Per Person):
- Hospital anAcupuncture: $350
- Massage therapy: $350
- Chiropractic care: $1,000
Disability Benefits:
- Paid weekly, up to $600 or 80% of gross wages (whichever is less)
- For non-earners, $200/week for household incapacity
Death and Funeral Benefits:
- Age- and relationship-based lump sum to dependents
- Funeral coverage up to $6,150
- Grief counselling up to $500/family
How to File a Section B Claim
- Notify your insurer within 30 days of the accident
- Complete the AB-1 form (Notice of Loss & Proof of Claim) within 90 days
- For disability claims, submit an AB-1A or AB-2 (doctor and employer must complete) within 60 days
- Provide all required medical reports and receipts
- Cooperate with your insurer — but you’re never required to speak to or provide information to the other driver’s insurance company
Deadlines You Must Know
- 30 days – Notify insurer of accident
- 90 days – Submit AB-1 for medical benefits
- 60 days – Submit disability claim forms
- 2 years – Absolute deadline to claim any Section B benefit
If Your Section B Claim Is Denied
Denials can happen due to:
- Missed deadlines
- Disputes over whether treatment is “medically necessary”
- Disagreements about your disability status
You can appeal a denial and, in many cases, recover treatment costs or wage losses through a personal injury claim and car accident settlement in Alberta.
How Long Do Section B Benefits Last?
- Medical and rehab: up to 2 years (max $50,000/person)
- Disability benefits: up to 104 weeks, as long as you remain totally disabled from work
Section B vs. Your Lawsuit
Section B is separate from a personal injury lawsuit.
You can:
- Collect Section B benefits now
- Sue the at-fault driver for pain & suffering, future losses, and any amounts not covered by Section B
Why You Should Get Legal Help Early
While you don’t need a lawyer to file a Section B claim, an experienced Alberta injury lawyer can:
- Ensure you claim the maximum under Section B
- Handle disputes with insurers
- Coordinate Section B and lawsuit claims to avoid repayment traps
- Protect your rights from day one
Speak to an Alberta Car Accident Lawyer
At Samfiru Tumarkin LLP, we help Albertans get the compensation they deserve. We provide FREE consultations, and there are no fees unless we win.
Why Choose Samfiru Tumarkin LLP?
We’re not just any personal injury firm. Samfiru Tumarkin LLP has a national reputation for client advocacy and proven results. We take the time to understand your situation and build the strongest possible claim.
- 💰 No Win, No Fee — you don’t pay unless we succeed
- 👥 Personalized legal support throughout your case
- 📍 Deep local experience in Alberta courts, tribunals, and negotiations
- ⭐ Thousands of 5-star reviews from injury, disability, and employment law clients in Canada
- 🗺️ Serving clients across Alberta in-person and virtually, wherever you’re located
Free Consultation with a Personal Injury Lawyer Today
Wondering how much your car accident claim is worth? Don’t rely on estimates or insurance adjusters. Get real legal advice from a firm that’s on your side.
Call us at 1-855-821-5900 or request a callback from a Calgary personal injury lawyer through our online form.
About the Author
Sivan Tumarkin
Sivan Tumarkin is a Founding Partner of Samfiru Tumarkin LLP and Practice Leader for the firm's Long-term Disability & Personal Injury Law Group. His previous experience working for insurance companies has given him unique insight into the long-term disability claim denial and appeals process, allowing him to secure strong results for his clients.
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