When you or your client has been injured in a motor vehicle accident, access to Accident Benefit Services is essential. Our experienced case management team delivers white-glove, end-to-end service, guiding clients through every step of the process at a time when they need it most.
These benefits, provided under Ontario’s Statutory Accident Benefits Schedule (SABS), offer critical financial and medical support, regardless of who was at fault.
At Great Oak VFA, we specialize in preparing detailed, defensible reports that help claimants, lawyers, and insurers understand, document, and quantify benefits with confidence.
Get Case Support
The Great Oak VFA Difference
An improperly calculated Income Replacement Benefit (IRB) or Weekly Accident Indemnity (WAI) payment can mean the difference between a strong case and a weak one. At Great Oak VFA, we ensure accuracy, compliance, and clarity in every report.
Our reports are:
- Detailed – capturing both pre- and post-accident income, including variable and self-employment earnings.
- Compliant – aligned with policy caps ($400/week standard, or $600–$1,000 with optional coverage).
- Adjusted – accounting for collateral benefits such as CPP-D, WSIB, LTD, and EI.
- Structured – clearly demonstrating eligibility under the Statutory Accident Benefits Schedule (SABS) rules.
At Great Oak VFA, our forensic accountants prepare court-ready IRB reports designed to withstand cross-examination
Related Services
Income Replacement Benefit (IRB) Calculations
Accurate, SABS-compliant projections of entitlement
Loss of Income SHORT Reports
Streamlined, cost-effective assessments for early-stage cases, with the option to upgrade to a full expert report
Economic Loss Analysis
Quantification of financial damages in tort and personal injury claims
Present Value Calculations & Future cost of care
Determining the current value of future losses or benefits
Vocational Assessments
Expert evaluations of employability, transferable skills and labour market capacity
Report Critiques
Independent reviews of opposing expert reports to identify errors, omissions, or biased assumptions
Expert Witness Testimony & Consulting
Objective, defensible presentation of financial and vocational evidence in mediation, arbitration, or trial
Accident Benefits – IRB FAQs
1. What is an Income Replacement Benefit (IRB)?
An IRB compensates an insured person for lost income after a motor vehicle accident. It’s paid under Ontario’s Statutory Accident Benefits Schedule (SABS) when injuries prevent a person from performing their regular employment duties.
2. Who qualifies for IRBs?
To qualify, a claimant must have been employed or self-employed at the time of the accident and if they are unemployed on DOL, they should have been employed for at least 26 of the previous 52 weeks or should have been receiving EI on DOL.
3. How are IRBs calculated?
Generally, the benefit equals 70% of the claimant’s pre-accident income, up to a maximum of $400 per week, unless optional coverage increases that limit.
4. When do IRBs start and how long can they continue?
Payments typically begin after the first seven days following the accident. IRBs may continue for up to 104 weeks, or longer if the person remains unable to return to work.
5. What’s the difference between IRB and Non-Earner Benefits?
IRBs apply to claimants who were working or recently employed. Non-Earner Benefits apply to those not employed at the time of the accident (such as students or homemakers) who suffer a complete inability to carry on a normal life.
6. Why hire a forensic accounting firm for IRB calculations?
Forensic accountants ensure that income loss calculations are accurate, transparent, and defensible. Great Oak provides clear, evidence-based reports that hold up in mediation, LAT hearings, or negotiations.
7. What information is required to calculate an IRB?
Typical documents include employment records, pay stubs, tax returns (T4s, T1s, T2s), business financials. These allow for a full review of pre-accident earning capacity and post-accident limitations.
8. What if entitlement or ongoing loss is in dispute?
When disputes arise between insurer and claimant, Great Oak provides independent, objective quantification supported by documentation and in compliance with SABS.
9. How long does it take to receive a report?
Most IRB or economic loss reports are completed within 7 working days once all documents are received. Expedited service is available in time-sensitive situations.
10. Can you review another expert’s IRB calculation?
Yes. Great Oak can provide a rebuttal report to assess the accuracy and assumptions of another expert’s work.
11. Do you work directly with law firms or insurers?
We partner with both plaintiff and defence counsel, as well as insurers and adjusters, to deliver fair, defensible numbers grounded in evidence.
12. What regions does Great Oak serve?
We assist clients across Ontario and other Canadian jurisdictions, providing remote consultations and digital delivery of all reports.
13. How can I request an IRB report or sample?
You can request a sample report or consultation directly through our contact form. Our team will respond within one business day.
Refer Your Clients
Strengthen your case by referring your client to Great Oak VFA. From loss of income reports to accident benefit calculations, we deliver precise, court-ready assessments you can trust.
Refer Your Client
Civil Litigation Services
Accident Benefit Services & Income Replacement Benefits
Accident Benefit Services & Section B Weekly Accident Indemnity Benefits
Economic Loss & Loss of Income
Present Value Calculations & Future Cost of Care Reports
Critique Of Other Party IRB Reports
Vocational Services
Expert Testimony
Head Office
Great Oak VFA
#408-1280 Finch Ave West
Toronto, ON M3J 3K6
T: (416) 455-5600
F: 1 (888) 455-4456
© Copyright 2025 Great Oak VFA – All Rights Reserved. Privacy Policy.
100% Canadian owned and operated
