Ontario Changes Accident Benefits in July 2026: What You Need to Know
Did Ontario Change Accident Benefits in 2026?
Yes — As of July 1, 2026, many accident benefits in Ontario are no longer mandatory.
Benefits Moving to “Optional”
- Income replacement benefits (IRB)
- Non-earner benefits (NEB)
- Caregiver
- Lost educational expenses
- Visitor expenses
- Housekeeping & home maintenance
- Damage to personal items
- Death
Other Notable Changes
Ontario has also shrunk the definition of an “insured person” to:
- The named insured
- Spouse of the named insured
- Dependants of the named insured
- Persons specified in the policy as drivers of the insured vehicle
The changes come as the province increases the speed limit on approximately 89% of highways to 110 km/hour by the end of September.
Your Rights After a Car Accident in Ontario
If you’re injured in a car accident in Ontario, the province imposes strict timelines — some insurer deadlines are days after an accident.
It’s crucial that you connect with an Ontario personal injury lawyer at Samfiru Tumarkin LLP before accepting a settlement.
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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