Accident Benefit Services

Income Replacement Benefit (IRB)

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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.

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Income Replacement Benefits (IRB) Services

In personal injury litigation, Income Replacement Benefits (IRB) are often a central issue. Under Ontario’s SABS, claimants may be entitled to weekly payments if accident-related injuries impact their working capacity.

For lawyers, ensuring these calculations are accurate, defensible, and fully compliant is essential for achieving fair settlements and trial outcomes.

Calculation of Income Replacement Benefits

Calculation of Income Replacement Benefits

SABS-compliant, court-ready calculations of IRBs based on pre-accident earnings, policy caps, and offset collateral benefits. Reports clearly outline both past and future entitlement.

Computation of Interest Owing on Benefits

When IRB payments are delayed, we calculate the interest owed to claimants. Our precise computations help lawyers and insurers resolve disputes fairly and ensure compliance with Ontario’s insurance regulations.

Evaluation of Claimant Eligibility

Detailed eligibility assessments, considering employment history, self-employment income, and policy requirements to confirm whether a claimant qualifies for IRBs.

Delivery of Documentation and Reports

All IRB reports are delivered in a clear, secure, and court-ready format, supporting lawyers at mediation, arbitration, or trial.

Expert and Consulting Witness Testimony

When required, our forensic accountants and vocational experts provide professional, impartial testimony that withstands cross-examination.

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

Partner With Great Oak VFA for IRB Reports

When your case involves Income Replacement Benefits, you need reports that are detailed, defensible, and professionally prepared.

At Great Oak VFA, we partner with personal injury lawyers to provide forensic accounting expertise that strengthens your case.

Related Services

Income Replacement Benefit (IRB) Calculations

Accurate, SABS-compliant projections of entitlement

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Loss of Income Reports

Detailed, defensible analysis of past and future income losses

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Loss of Income SHORT Reports

Streamlined, cost-effective assessments for early-stage cases, with the option to upgrade to a full expert report

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Economic Loss Analysis

Quantification of financial damages in tort and personal injury claims

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Present Value Calculations & Future cost of care

Determining the current value of future losses or benefits

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Vocational Assessments

Expert evaluations of employability, transferable skills and labour market capacity

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Report Critiques

Independent reviews of opposing expert reports to identify errors, omissions, or biased assumptions

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Expert Witness Testimony & Consulting

Objective, defensible presentation of financial and vocational evidence in mediation, arbitration, or trial

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Why Choose Great Oak VFA?

Trusted Expertise

Proven track record, high-quality reports, professional credibility.

Support to Succeed

Case Managers guide clients step-by-step, alleviating burden.

Digital Security

Encrypted transfer and storage ensure the highest level of client confidentiality and data security.

Quick Turnaround

In house CPA’s enable IRB reports in as little as 5 business days after receiving documentation.

Seamless Coordination

We manage communications with insurers and clients to keep cases moving efficiently.

Tailored Services

Flexible report options that align with each case’s strategy and requirements.

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.

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