After a motor vehicle accident, it’s common to feel unsure about what support is available or where to turn next. Section B benefits are meant to offer some early support, but accessing these benefits can feel confusing, especially when you’re already dealing with pain and disruption to your everyday life. You don’t have to sort through it alone.
Since 1976, our team has helped injured Albertans navigate auto insurance coverage and understand their options after a car accident. Today, our Edmonton Section B benefits lawyers continue that work by helping people make sense of the benefits available to them and feel more in control during a time that often feels anything but. When you reach out, you’ll get free legal guidance from a team that listens first, explains things in plain language, and makes the process easier to navigate.
It won’t cost you anything to speak with our legal team, and injury consultations are always free. Contact us today.
Get answers to the following topics and questions:
- What Are Section B Benefits in Edmonton, AB?
- Who Is Eligible for Alberta Section B Accident Benefits?
- What Do Section B Benefits Cover When You’re Injured in a Car Accident in Edmonton?
- How Insurance Companies Complicate Section B Benefit Claims in Edmonton
- How an Edmonton Section B Benefits Lawyer Can Help
- What to Do If Your Section B Benefits Are Denied or Delayed
- Why Choose The Section B Benefits Lawyers at Litco Law
- Why Do Insurance Companies Deny or Limit Section B Claims?
- Support for Your Section B Benefits Claim
- FAQs About Section B Benefits in Edmonton.
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What Are Section B Benefits in Edmonton, AB?
Section B benefits are a mandatory part of every auto insurance policy in Alberta. These benefits provide some no-fault coverage for medical care, short-term income support if your injuries prevent you from working, as well as death and funeral benefits for families after a fatal accident. They are designed to offer early help after an accident so you can focus on your recovery, no matter who was at fault.
Who Is Eligible for Alberta Section B Accident Benefits?
Most people injured in an automobile accident in Alberta will qualify for Section B benefits. Drivers, passengers, pedestrians, and cyclists are all be eligible, regardless of who caused the accident. In most cases, you’ll make your claim through your own auto insurer. If you were a passenger in a motor vehicle, you’ll make your claim through the auto insurer of that vehicle. If you were a pedestrian or cyclist and do not have your own auto insurance, you’ll make your claim through the auto insurer of the vehicle that struck you.
Some Section B benefits, such as disability benefits, have additional requirements. These income replacement benefits are only available when your injuries prevent you from performing the essential duties of your job. The insurer also always requires a medical professional to certify your disability before your benefits are approved.
What Do Section B Benefits Cover When You’re Injured in a Car Accident in Edmonton?
After an accident, Section B benefits include coverage for reasonable medical and rehabilitation expenses related to your injuries and essential for your recovery, up to a maximum of $50,000 per person. This can include treatment recommended by your health care provider, essential rehabilitation services, and other medically necessary care to support your recovery.
If you were employed and your injuries prevent you from working altogether, Section B provides short-term disability benefits. If you were in the course of your employment when the accident happened, and were WCB covered, you are required to make a WCB claim, rather than a Section B claim. People who weren’t employed at the time of the accident may qualify for limited help with essential household duties. In situations where a loved one has passed away because of the accident, Section B benefits also includes specific death and funeral benefits to support the family.
While Section B benefits don’t cover everything, it does offer important early support as you begin your recovery.
How Insurance Companies Complicate Section B Benefit Claims in Edmonton
Accessing these benefits isn’t always as straightforward as you’d expect. Many Albertans are often surprised to learn that insurance companies may question injuries, delay approvals, or limit care in ways that make it harder to access the treatment they need. It can be difficult to determine what’s required and to know what to do when an insurer pushes back.
When you’re counting on this support during your recovery, even small delays can feel overwhelming. Our Edmonton Section B benefits lawyers can help you understand what the insurer is asking for, what your policy requires, and what options may be available if your benefits are delayed or denied.
How an Edmonton Section B Benefits Lawyer Can Help
Understanding how to navigate these benefits can feel complicated, especially when different rules or timelines affect your claim. That’s where having knowledgeable legal support can make things feel more manageable. When you work with Litco Law, you’ll have a team behind you with extensive experience and a strong understanding of how Section B benefits work, as well as the roadblocks that can appear and slow things down. We can help you push back on the insurance company if you’re not getting the support you need and keep things moving forward for you and your recovery.
Our Edmonton motor vehicle accident legal team can help you open a claim, respond to complicated requests from the insurer, and deal with delays or decisions that don’t seem consistent with Section B coverage. If you’re asked to attend an assessment with an insurer-selected medical provider, we’ll explain what that means and what you can expect. And if any part of your benefits has been denied, we can review the decision with you and help you understand the steps that may be available to have it reconsidered.
Even if deadlines have passed or paperwork feels unclear, you may still have options. Our team can look at your situation, help determine the next steps, and support you in accessing the benefits available through your policy.
What to Do If Your Section B Benefits Are Denied or Delayed
Having your Section B benefits delayed or denied can be incredibly discouraging, especially when you’re depending on that support to help you recover. But a denial doesn’t always mean the insurer made the right decision or that you’re out of options.
If this happens, the first step is to understand the reason behind the decision and whether important information may have been missed. Our Edmonton Section B benefits legal team can help you review the insurer’s findings, explain the information they relied on, and identify where there may be room to revisit or challenge the outcome.
No matter what stage your insurance claim is in, you don’t have to figure it out alone. We’re here to answer your questions and help you explore what options may still be available.
In more extreme cases where the insurance company has improperly denied Section B benefits and they refuse to comply with the regulations, there may be additional recourse to the regulatory body that governs insurers. Our legal team can help you understand whether your situation qualifies, and if so, we can support the necessary next steps.
Why Choose The Section B Benefits Lawyers at Litco Law
When an insurance company controls the information, timelines, and approval of the benefits you’re counting on, it can feel like you’re at a disadvantage. At Litco Law, we’ve spent over 50 years helping injured Albertans access their coverage and navigate insurer systems with confidence. We’re here to balance the power between you and the insurance company to help you access the benefits available under your policy.
When you work with our Edmonton Section B benefits lawyers, you’re supported by your own personal legal team that knows how these claims work and what needs to happen at each stage of the process. You can count on clear explanations, fast responses, and consistent updates through our 24/30 Rule. We’ll check in with updates at least every 30 days (often sooner) and respond to any messages or questions you may have within 24 hours, so you always know where things stand and what we’re doing to help.
Client Testimonials
At Litco Law, we want every person who reaches out to feel heard, supported, and cared for. It means a great deal to us when clients share their experiences and let us know how we were able to help. We’re grateful to everyone who has taken the time to leave a review or share a testimonial.
“I was rear-ended more than a year ago. I would highly recommend Litco Law to anyone who has been in a car accident. They helped me to understand the steps or the process we will do on my personal injury claim. They were very professional and friendly from the very start, they explained the details in legal terms thoroughly on what was happening, and they even called me every month to update and check on me. They wanted me to focus more on getting myself better and back in shape. They really did the best to maximize the claims I deserve to receive. I was overwhelmed by how great they really are. I received more than I expected. I would highly recommend Litco Law to anyone looking for an awesome, friendly, and professional Law Firm.” – DW_Minuteman18
“Awesome legal firm. They handled everything after we were rear-ended, taking all the hassle and stress off of us. I would recommend them 100%.” – Brent D.
“I really appreciate the good work of Litco Law —a professional and experienced law firm. Thanks very much for the good job.” – Ben A.
Why Do Insurance Companies Deny or Limit Section B Claims?
Even though Section B benefits are intended to support your recovery, insurers may take a narrow view of what is medically necessary, rely on their own medical consultants, or request additional documentation before approving treatment. In other situations, delays or denials happen because of strict interpretations of the policy or missing information that may not fully reflect what you’re experiencing day to day.
When you’re hurt and trying to heal, these decisions can feel frustrating and unfair. You expect your insurance to help you get the care you need, not add more stress to an already difficult time. If your treatment has been reduced, if disability benefits were denied, or if your claim seems to be slowing down without a clear reason, you’re not alone. Understanding why these decisions happen is an important first step toward knowing what options may still be available and how to move forward.
Support for Your Section B Benefits Claim
You don’t have to navigate Section B benefits on your own. Whether you’re unsure about your coverage, facing delays, or need help understanding a decision from your insurer, our Edmonton employment lawyers are here to listen, answer your questions, and help you make sense of your options. We take the time to understand your insurance claim and guide you forward in a way that feels clear and manageable.
If you’d like a free, no obligation consultation or simply want to talk to someone who understands this process, we’re here to help. Call (403) 273-8580 today or contact us online to schedule your free consultation.
Visit Our Edmonton Office
Our Edmonton office is located at Suite 230, 8414 109 Street NW, a few blocks from the University of Alberta. Free underground client parking is accessible from the South Side of the building. If it’s difficult for you to reach our office, we can meet virtually.
FAQs About Section B Benefits in Edmonton.
We’ve provided answers to common questions we receive about Section B benefits below, but every case is unique. For answers about your specific situation, reach out to our team anytime to get free legal guidance and learn how our Edmonton injury lawyers may be able to help.
What’s the Maximum Amount Section B Will Pay for Medical Care?
Section B can provide up to $50,000 per person for medically necessary treatment related to your accident injuries. This includes qualifying reasonable care recommended by your health provider, as long as the expenses are incurred within two years of the accident. Coverage includes qualifying treatment recommended by a regulated health-care provider, subject to statutory limits, exclusions, and applicable treatment protocols. Certain types of care are capped outside of protocol treatment. For example, non-protocol massage therapy is generally capped at $350 in total, acupuncture at $350, and chiropractic care at $1,000, regardless of a doctor’s recommendation. Our legal team is here to help you understand these and support your recovery.
How Long Do Disability Benefits Last Under Section B?
Disability benefits through Section B can continue for up to two years if your accident-related injuries prevent you from performing all the duties of your job. The benefits end sooner if you return to work, your doctor or treatment provider determine you’re able to return to at least some of your work, or if the insurer’s independent medical doctor determines you are able to return to at least some of your work. These benefits are meant to provide short-term help during your initial recovery.
Can I File a Section B Claim if I Was a Pedestrian or Cyclist?
Yes. Pedestrians and cyclists who are injured in a motor vehicle accident may be able to access Section B benefits. If you have your own auto insurance, you’ll make a Section B claim through your own auto insurer. If you do not have auto insurance, you’ll make a Section B claim through the auto insurer of the vehicle which hit you.
Do Section B Benefits Affect My Personal Injury Claim?
Yes, they do. Section B benefits cover some medical costs and lost income right away. If you later claim compensation for those same losses through a personal injury claim, the amounts paid under Section B will be deducted from your settlement. This is done to prevent what insurance companies and courts often refer to as “double recovery,” but it doesn’t stop you from pursuing additional compensation for other losses. Similarly, if you fail to make a Section B claim when you were eligible to, the amount of compensation you are entitled to under a personal injury claim may be reduced by the amount of the benefits you would have been entitled to receive under the Section B claim.
