Losing a loved one in a motor vehicle accident is devastating. Along with the emotional toll, families are confronted with unexpected funeral expenses, financial uncertainty and complicated insurance paperwork.
While no amount of money can replace a loved one, Ontario’s accident benefits system may provide financial assistance through death and funeral benefits. To claim these benefits, eligible family members generally need to complete the Death and/or Funeral Benefits Application, known as the OCF-4.
However, important changes to Ontario’s automobile insurance system took effect on July 1, 2026, making it more important than ever to understand what coverage is available.
Important Changes Effective July 1, 2026
As of July 1, 2026, death and funeral benefits became optional coverage under Ontario’s automobile insurance system.
As a result the availability of these benefits will depend on the insurance policy coverages at the time of the accident.
There are also new restrictions concerning which insured individuals qualify for optional benefits.
Families should not assume they are either covered or excluded without having the applicable insurance policy carefully reviewed.
Completing the OCF-4 Application
The OCF-4 requires information about the deceased, their relationship to the applicants and the funeral expenses being claimed.
Several important details deserve attention:
- Eligible family members may apply together or separately.
- A copy of the death certificate must be attached.
- Funeral expenses should be supported by original receipts, with explanations provided for missing receipts.
- An Application for Accident Benefits (OCF-1) should also be completed if it has not already been submitted.
It is important to submit the necessary documentation promptly to avoid unnecessary delays or disputes.
You Don’t Have to Navigate This Alone
Dealing with insurance companies after losing a family member can feel overwhelming.
An experienced personal injury lawyer can help determine what benefits may be available, review the applicable insurance coverage and assist with completing the OCF-4.
If you have lost a loved one in an Ontario motor vehicle accident, contact our firm for a consultation. We can help you understand your rights and pursue the financial benefits to which your family may be entitled, allowing you to focus on what matters most during this difficult time.
