After a collision, you may be entitled to medical and rehabilitation benefits. Based on your injuries, you can fall under the Minor Injury Guideline (“MIG”) which provides up to $3,500 in medical and rehabilitation benefits. If you fall outside the MIG, you may be entitled to up to $65,000 in medical and rehabilitation benefits. If you are considered Catastrophically impaired, you may be entitled to up to $1 million in medical and rehabilitation benefits.
When it comes to commencing an Accident Benefits claim, the insurance company requires certain forms to be completed. An OCF-18 form is required when your impairments and injuries fall outside the MIG.
An OCF-18 form, however, is not required for medical items and devices that cost $250 or less.
Moreover, OCF-18 forms are required to be completed and submitted to the insurance company for approval of treatment. The OCF-18 form is crucial in securing your owed medical and rehabilitation benefits. If you incur medical and rehabilitation costs without submitting them to your insurer via an OCF-18, the insurer is not liable to make payment of those medical and rehabilitation costs.
An OCF-18 form should be completed by a regulated health professional as it must be signed and authorized by a health practitioner.
Once an OCF-18 form is submitted, your treatment providers will be paid in a fair and timely manner provided that the OCF-18 form is medically supported and considered by the insurance company to be reasonable and necessary.
If you or a loved one have been injured in a collision, you may be entitled to receive the help you deserve. Contact us at JEWELL RADIMISIS JORGE LLPand a member of our team will be happy to assist you.