If you’ve been injured in a motor vehicle accident and can’t work, you may qualify for Income Replacement Benefits (IRB) through ICBC. These benefits are designed to help support you financially while you recover.

IRB provides up to 90% of your net income, based on a maximum yearly insurable earnings limit — $119,000 as of April 1, 2025. Whether you’re an employee or self-employed, you may be eligible.

Here’s what you need to know:

• One-week waiting period: IRB begins after the first week of your injury.
• Apply for other benefits first: Before ICBC will begin paying IRB, you must first apply for EI sick benefits, short-term disability, or long-term disability benefits.
• ICBC tops up your benefits: If those other benefits don’t reach 90% of your net income, ICBC is required to make up the difference.
• Additional entitlements: Contributions your employer makes toward your pension and extended health benefits premiums may also be factored into your IRB.

Having trouble accessing your IRB? We’re here to help. Contact us today to ensure you are getting the support you’re entitled to.