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 & SHORT Reports

Detailed, defensible analysis of past and future income losses or streamlined, cost-effective assessments for early-stage cases

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Family Law Services

Independent family law valuations and forensic financial analysis across Ontario, supporting income disputes, support claims, and equalization matters

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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.

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.

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