Wage Replacement and Income Loss under Ontario’s No-Fault Benefits

September 16, 2025, Kitchener, Ontario

Posted by: Robert Deutschmann, Personal Injury Lawyer

When injuries force you away from work, wage-loss protections under Ontario’s no-fault system can help bridge the financial gap. This post explains how income replacement benefits work and how to maximise them with Deutschmann de Koning Law.

What you’re seeking: IRBs and NEBs

Deutschmann de Koning Law helps you determine whether Income Replacement Benefits (IRB) or Non-Earner Benefits (NEB) apply to you. In Ontario, wage-related supports are designed to replace or offset lost earnings after a crash. Eligibility depends on your work status at the time of the collision and the extent of your injuries. IRB is common for those who were employed, while NEB may apply if you were not employed when injured. Because the exact rules, waiting periods, and benefit amounts vary, a personalised review with our Ontario team is essential.

How benefits are calculated

Benefits are typically based on your pre-accident earnings and the degree to which injuries limit your ability to work. To ensure you maximise what you’re entitled to, Deutschmann de Koning Law will gather documentation from your employer, pay stubs, tax records, and medical evidence showing the impact of your injuries on your earning capacity. With meticulous records and precise calculations, we help you avoid receiving less than you deserve. The maximum payed amount is remarkably low and will not provide a reasonable amount to live off for most victims.

Documents you’ll need

Key documents include payroll records, applicable tax forms, a letter from your employer detailing hours missed and any accommodations, and ongoing medical reports that support continuing work limitations. Start a running log of days off, the reasons, and any modified duties you attempted. Our team will guide you on exactly what to collect and how to present it to insurers.

Waiting periods and duration

There are waiting periods before wage-replacement benefits begin, and benefits may continue only so long as your injury-related work limitations persist. If your recovery progresses or circumstances change, benefits may be adjusted. Deutschmann de Koning Law helps you anticipate changes, manage timelines, and communicate with insurers to keep your claim on track.

When to seek help

You should ask for a free consultation immediately if you or your loved one is seriously injured.

If your earnings are being reduced, if there’s a dispute about the amount, or if you’re unsure how long benefits will last, consult a specialist Ontario personal injury lawyers. Deutschmann de Koning Law reviews your employment records, medical evidence, and insurer communications to ensure your claim reflects your real losses.

How our firm helps

Deutschmann de Koning Law works with you to gather the right documentation, interpret policy language, and communicate with insurers to protect your wage-replacement rights. We clarify the nuances of IRB and NEB, optimise your documentation, and pursue timely resolutions so you can focus on recovery.

Next steps

If you’re navigating wage loss after an Ontario auto crash, contact Deutschmann de Koning Law for a free, no-obligation assessment. We’ll review your earnings, assess eligibility, and lay out a clear plan to secure the benefits you’re entitled to while you concentrate on getting well. Don't face your situation alone.

About Deutschmann de Koning Law

Deutschmann de Koning Law serves South-Western Ontario with offices in Kitchener-Waterloo, Cambridge, Woodstock, Brantford, Stratford and Ayr. The law practice of Robert Deutschmann and Nick de Koning focuses almost exclusively in personal injury and disability insurance matters. For more information, please visit www.ddinjurylaw.com or call us at 1-519-742-7774.