Many students dedicate their time to their studies and cannot work, therefore they fall under the category of a non-earner.
According to Insurance (Vehicle) Act, non-earner benefits are benefits available to motor vehicle accident victims who are unemployed or not working prior to the accident, such as students. They are entitled to a fixed benefit of $185.00 per week for a maximum of two years.
The insurer shall pay a non-earner benefit to an insured person who sustains an impairment as a result of an accident if the insured person satisfies any of the following conditions:
- The person suffers a complete inability to carry on a normal life as a result of and within 104 weeks after the accident and does not qualify for an income replacement benefit.
- The insured person suffers a complete inability to carry on a normal life as a result of and within 104 weeks after the accident and,
- was enrolled on a full-time basis in elementary, secondary, or post-secondary education at the time of the accident, or
- completed his or her education less than one year before the accident and was neither employed nor a self-employed person after completing his or her education and before the accident, in a capacity that reflected his or her education and training.
The insurer is not required to pay a non-earner benefit:
- for the first four weeks after the onset of the complete inability to carry on a normal life
- before the insured person is 18 years of age;
- for more than 104 weeks after the accident; or
- if the insured person is eligible to receive and has elected under section 35 to receive either an income replacement benefit or a caregiver benefit under this Part.