Income Replacement Benefits (IRB)

Calculating Income Replacement Benefits (IRBs) for self-employed individuals under Ontario’s Statutory Accident Benefits Schedule (SABS) can be deceptively complex. One of the most contested issues? Whether IRBs should be based on the claimant’s last completed taxation year or on the 52 weeks immediately prior to the accident. Recent decisions from Ontario’s Licence Appeal Tribunal (LAT), … Read more

For lawyers and law clerks supporting self-employed clients in Statutory Accident Benefits (SABS) claims, Income Replacement Benefits (IRBs) can be one of the most complex benefits to quantify and defend. Unlike salaried employees, sole proprietors or incorporated owners rarely maintain clean accounting, and their reported income often doesn’t tell the full story. To make a … Read more