Have you experienced an Auto Injury? Attendant Care Under Ontario Auto Insurance (SABS): You and your Occupational Therapist
When a person is injured in a motor vehicle accident, recovery rarely ends at the hospital doors. Under Ontario’s Statutory Accident Benefits Schedule (SABS), many individuals are entitled to attendant care services to support daily living during rehabilitation—or permanently, in the case of catastrophic injuries.
The Occupational Therapists (OTs) completing your Form 1 Attendant Care Assessment, understands what types of care is typically funded—and who is qualified to deliver that care. Your Occupational Therapist Case Manager properly complete the Form 1 and submit it to the insurance companies. This is essential to ensuring timely, compliant, and client-centred outcomes. You do not need to be a driver or a passenger in a car to qualify for benefits. Every driver and automobile should be insured, not only to cover their own injuries but also the injuries of others that they may have caused.
What Is Attendant Care Under SABS?
Attendant care is designed to support individuals who, as a result of an auto injury, require assistance with Activities of Daily Living (ADLs). Funding eligibility is based on functional need, not diagnosis alone, and must be supported by a Form 1 assessment completed by a qualified OT or RN.
Services must be reasonable and necessary, directly related to the auto injury, and delivered by a licensed and compliant provider such as In-Home Assisted Living.
Types of Attendant Care Commonly Approved
Under SABS, attendant care generally falls into three core categories reflected on Form 1:
1. Personal Care
This includes hands-on assistance with:
- Bathing and grooming
- Dressing and undressing
- Toileting and continence care
- Feeding and mobility support
These supports are frequently required following orthopedic injuries, neurological trauma, spinal cord injuries, or post-surgical recovery.
2. Essential Household Assistance
When injuries prevent an individual from safely managing their home, attendant care may include:
- Meal preparation
- Light housekeeping related to personal use
- Laundry
- Medication reminders (non-nursing)
This category is particularly relevant for clients transitioning home from hospital or inpatient rehabilitation.
3. Safety Supervision
Some auto injuries—such as traumatic brain injury, cognitive impairment, or severe chronic pain—create safety risks that require ongoing supervision. This may include:
- Cueing and redirection
- Fall prevention
- Monitoring for unsafe behaviours
Supervision is often misunderstood, but when properly justified on Form 1, it is a critical and fundable component of attendant care.
Catastrophic vs. Non-Catastrophic Injuries
While catastrophic injuries typically allow for higher funding limits and longer durations of care, many non-catastrophic auto injuries still qualify for meaningful attendant care benefits—especially during the acute and sub-acute phases of recovery.
Regardless of injury classification, insurers expect:
- Clear functional rationale
- Accurate time allocations
- Services delivered by qualified providers
Why the Attendant Care Provider Matters
Insurers increasingly scrutinize attendant care claims—not just the assessment, but who delivers the care.
For Occupational Therapists, partnering with a provider that understands SABS requirements can significantly reduce delays, denials, and administrative burden.
In-Home Assisted Living (ihal.ca) is:
- Fully qualified and licensed to provide attendant care under Ontario auto insurance
- Experienced in supporting Form 1-based care plans
- Familiar with insurer documentation, invoicing, and compliance standards
- Able to supply PSWs, attendants, and supervised care staff across Toronto, Mississauga, and the GTA
Our care model is designed to align with OT recommendations—ensuring that what is assessed is what is delivered.
Supporting Recovery Beyond the Assessment
Attendant care is not just about meeting insurance criteria—it’s about enabling recovery, dignity, and safety at home. When care is implemented correctly, clients experience:
- Reduced hospital readmissions
- Improved rehabilitation outcomes
- Greater independence and quality of life
For OTs, having confidence in the care provider means fewer follow-ups, fewer insurer disputes, and better outcomes for your clients.
Partner With a Provider That Understands SABS
If you have been injured in an automobile accident or you are an OT who regularly completes Form 1 Attendant Care Assessments and are seeking a reliable, compliant attendant care provider for auto injury clients, In-Home Assisted Living is here to support you.
We work collaboratively with Occupational Therapists, insurers, personal injury lawyers and case managers to ensure that approved attendant care is delivered accurately, professionally, and without unnecessary friction.
Learn more at
ihal.ca
or connect with our care coordination team to discuss how we support
Auto Injury Home Care
across
Toronto, Mississauga, and the GTA.
Call: 416-595-5888
Email: care@ihal.ca
These Blogs are written by Steve Jones, President of In-Home Assisted Living Inc. The topics and content reflect the everyday discussions that Steve and the Care Managers at In-Home Assisted Living have with families about their needs and concerns.










