Ontario Auto Insurance should pay for accident injuries NOT your personal Work Benefits.

As a clinic owner, I very much agree!

Work benefits should be for work related injury not auto injuries!

Please change this now...

Don’t offload services to those who have jobs with benefits

The current situation places patients at a disadvantage. People pay for their extended health benefits and also for their car insurance they are two separate contracts. If someone else is responsible for their accident they should not have to suffer the consequences through their own private insurance.

This is the most backward system. It is unfair to chronic sufferers that need their extended healthcare to last them the year. It is also an admin nightmare. Why do people pay for car insurance if all they do is weasel out of the "coverage"?

totally agree, its a very tedious procedure for clinic administration and patient as well to submit to their Private insurance first and then wait for their payment to arrive and then claim it to Auto-insurance, it takes long time for the clinic to get paid for the services they rendered on timely manner. And for patient they exhaust their private insurance with their MVA injuries and not able to use it towards their any other injuries through out the year.

This is unfair of the auto insurance to take personal work benefits for costs that they should be paying.

This rule has baffled me for my 20 years as a physio. A person who has paid for car insurance should be able to use said insurance to cover the costs of their claims and not be forced to use their personal benefits first. Car accident insurance companies are benefitting from this rule as they often pay out little to nothing at all for MIGs as client are forced to use their personal insurance benefits first. People are then left with no benefits to use later in the year should they sustain another injury or have a chronic issue for which they need treatment. How is this, in any way, fair or reasonable for the individual??

I have been practicing in Ontario for over 20 Years and this has always been an issue for patients, clinics and insurers. Nobody like this and it hurts hard working people the most while adding significant red tape for clinics and insurers as well.

1) This is wrong as clients should be able to use benefits later if needed for other injuries. 2) Administrative nightmare attempting to get payment from different insurance companies prior to MVA insurance kicking in. Some pay client instead of clinic. If spouse has coverage even worse as you have to bill and attempt to receive payment from both. A win would be to bill MVA insurance directly and they settle with private insurance. Ideally client keeps benefits for later.

It has never made sense for Patient's to have to use up all their extended health benefits when they are in a motor vehicle collision. Please remove this.

People need their benefits for chronic diseases year round. If they’re used for auto accidents these people suffer even more.

As a chiropractic clinic who takes occasional MVA patients this system is so poorly designed. Individuals should not be force to use their personal benefits for an automobile accident. That is what car insurance is for. If they choose to continue care (recommended)once their MVA benefits have been used up they should have the option to do so. Or to use those benefits for other services that would compliment their treatment. This should change.

This adds undue stress to individuals seeking treatment and is illogical.

As a physio for over 40 years I have always felt this is wrong. MVC money for MVC claims only. And ensure that we are paid our rates in a reasonable and expedient manner.

Work benefits should not pay for auto injury.

Absolutely - work benefits should not be exhausted first. They should be reserved for treating non MVA issues.

I cant begin to explain how much of an administration nightmare this is to involve private coverage, especially now that several of the bigger carriers (Sunlife for example) only allow the member to submit for coverage and not the provider, and will only issue payment to the member. This causes such a huge delay in payments being issued to the provider as patients/plan members dont always see the urgency in submitting, as well as the delay in getting the payment from the client along with the claim summary, nothing can be submitted to the Auto insurer until this is done and we have outstanding invoices from over 6 month due to this negligence. (if the injuries are severe/head injury they often aren't capable/reliable for benefit self submission and tracking of payments) It also doesn't make sense that benefits are used up for auto accidents, what happens if the client has an injury due to something else? The auto claim has used up their benefits first and they then have no coverage for a non auto related injuries.

It's unethical, you pay 2 separate premiums, for 2 separate reasons. Why does a car accident automatically force patients to exhaust their workplace benefits; then when an automobile insurance company choses not to cover further required services, the patient is left to pay our of pocket.