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What’s Changing Starting July 1, 2026, Ontario’s SABS shifts from a standardized mandatory benefit package to a consumer “opt-in” model. Only three benefits will remain automatic in every auto policy: Medical, Rehabilitation, and Attendant Care. Everything else — including Income Replacement Benefits (IRB), Non-Earner Benefits, Caregiver, and Housekeeping Benefits — becomes optional coverage that must be … Read more

A recent Licence Appeal Tribunal decision provides important clarification on Income Replacement Benefit (“IRB”) entitlement where a claimant has a mixed history of employment and self-employment. In Zeineddine v. Economical Mutual Insurance Co., the Tribunal confirmed that weeks of self-employment cannot be counted toward the requirement of being employed for at least 26 weeks in … Read more