Income Replacement Benefit calculator

Please read carefully. This calculator gives a general estimate of the standard Income Replacement Benefit under Ontario's Statutory Accident Benefits Schedule (SABS): 70% of gross weekly income, up to a standard maximum of $400/week unless higher optional coverage was purchased. It is not legal advice, not a determination that you are eligible, and does not create a lawyer-client relationship. Actual entitlement depends on eligibility tests, a waiting period (benefits are generally not payable for the first week), how your income is calculated, deductions for other income or benefits you receive, the terms of your policy, and the rules in force on your accident date. For accidents on or after July 1, 2026, IRB is optional coverage — you receive it only if that coverage was purchased on the policy. Insurers frequently dispute IRB. For advice about your benefits, speak with a licensed Ontario lawyer. Azimi Law is regulated by the Law Society of Ontario, and its founder Ben Azimi is a member of the Law Society of Ontario. Your privacy is protected. Everything you enter is processed entirely in your own browser — it is not transmitted to, collected, or stored by Azimi Law unless you deliberately choose to contact us. Any personal information you share is handled in accordance with our Privacy Policy and applicable privacy legislation, including Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). Current as of July 14, 2026. The information in these guides reflects our understanding of Ontario law as of that date. Legislation, limitation periods, benefit levels, and dollar figures change over time and may have changed since; this content may become out of date. Azimi Law makes no representation or warranty that it is accurate, complete, or current, and accepts no responsibility for any decision or action taken in reliance on it. Always confirm the current law with a licensed Ontario lawyer before acting.