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Understanding the Settlement Disclosure Notice (SDN) in the Statutory Accident Benefits Schedule (SABS)


As an Ontario injury lawyer, one of the crucial aspects of representing clients injured in automobile accidents is navigating the Statutory Accident Benefits Schedule (SABS). Among the various provisions and forms in the SABS, the Settlement Disclosure Notice (SDN) plays a significant role in the claims process. In this blog post, we will delve into the SDN, its purpose, and other essential features that every Ontarian should be aware of when dealing with accident benefits claims.


  1. What is the Settlement Disclosure Notice (SDN)?


The Settlement Disclosure Notice, often referred to as SDN, is a mandatory form that insurance companies must provide to claimants in Ontario during the settlement process of accident benefits claims. It serves as an essential tool for ensuring transparency and fairness when an insurer offers a settlement to an injured party. The SDN aims to inform claimants of their rights and entitlements under the SABS, ensuring they have a clear understanding of the settlement offer being made.


  1. The Purpose of SDN


One of the primary purposes of the SDN is to inform claimants about the statutory accident benefits available to them under the SABS. When an insurance company offers a settlement, it is crucial for the injured party to comprehend the implications of accepting the offer, especially in cases of severe injuries or long-term disabilities. The SDN provides a detailed breakdown of the available benefits, the proposed settlement, and the potential consequences of accepting the offer, helping claimants make informed decisions regarding their claims.


  1. Key Features of the SDN


  • Explanation of Benefits and Limits: The SDN provides a detailed breakdown of the various accident benefits available under the SABS, including income replacement benefits, medical and rehabilitation benefits, attendant care benefits, and other pertinent coverage. It also outlines the limits and restrictions associated with each benefit.
  • Proposed Settlement Amount: The SDN includes the settlement amount offered by the insurance company. This amount may not fully cover all the available benefits, and it’s essential for claimants to understand that accepting the settlement might waive their right to future claims for additional benefits.
  • Independent Legal Advice (ILA): The SDN explicitly advises claimants to seek independent legal advice before accepting the settlement offer. This provision ensures that claimants are aware of their right to consult a lawyer to review the offer and provide guidance on the adequacy of the settlement.
  • Expiry Date: The SDN may specify a time limit for accepting the settlement offer. Claimants must respond within this timeframe, or the offer may be deemed expired, leaving them with limited options.
  • Importance of Seeking Legal Representation: Given the complexities of accident benefits claims and the potential long-term consequences of accepting a settlement offer, consulting an lawyer is crucial. An experienced lawyer can review the SDN, assess the claim’s worth, and negotiate on behalf of the injured party to secure a fair settlement that adequately covers their current and future needs.




The Settlement Disclosure Notice (SDN) is an essential component of the Statutory Accident Benefits Schedule (SABS) in Ontario. Its purpose is to ensure that claimants have a clear understanding of their rights and entitlements before accepting a settlement offer from an insurance company. By providing a detailed breakdown of benefits and settlement offers, the SDN promotes transparency and empowers claimants to make informed decisions about their accident benefits claims.


If you or a loved one have been injured in an automobile accident and are dealing with an insurance claim, it is crucial to seek legal representation to protect your interests. Remember, an experienced Ontario injury lawyer can help you navigate the complexities of the SDN and the SABS, ensuring you receive the compensation you rightfully deserve.



Gavin Cosgrove is a graduate of Holy Cross Catholic Secondary School in Kingston. Upon graduation, he attended Manhattan College (New York, NY) on an athletic scholarship where he competed in track and field. Gavin completed his legal studies at the University of New Brunswick.

Gavin joined Bergeron Clifford in the summer of 2009 and is now a partner with our firm.

Gavin is a proud member of the Ontario Trial Lawyers Association, the Frontenac Law Association, the County of Carleton Law Association, The Advocates’ Society, and the County of Lanark Law Association. He represents innocent victims of negligence in auto cases, medical malpractice and negligence cases.

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