Quick Reference Guide

Statistics, Citations, and Other Useful Info

Use this page to quickly reference the current government rates and statistics to make your job easier!

• Applicable to multiple heads of damage
• Pain and Suffering or General Damages related
• Loss of Income related
• Loss of Housekeeping related

General

Inflation

As of December 2022, the national inflation rate is 1.5381%

Liability Deductions

As of 2022, the liability deductions for not wearing a seatbelt are:

• 5-10% nationally
• 25% in New Bruinswick

Mileage  Rates

Per the CRA, the 2022 mileage rates are:

• Alberta: $0.55/km
• British Columbia: $0.58/km
• Manitoba: $0.56/km
• New Brunswick: $0.595/km
• Newfoundland and Labrador: $0.62/km
• Northwest Territories: $0.675/km
• Nova Scotia: $0.595/km
• Nunavut: $0.58/km
• Ontario: $0.615/km
• Prince Edward Island: $0.585/km
• Quebec: $0.60/km
• Saskatchewan: $0.55/km
• Yukon: $0.665/km

Discount Rates

As of 2022, the Provincial discount rates are:

• Alberta: 2.50%
• British Columbia: 
  • 1.5% for loss of future earnings, earning capacity or loss of Dependency.
    2.0% for all other future damages (housekeeping, care, etc etc)
• Manitoba: 3%
• New Brunswick: 2.50%
• Newfoundland: 2.50%
• Northwest Territories: 2.50%
• Nova Scotia: 2.50%
• Nunavut: 2.50%
• Ontario: 0% for the first 15 years that follow trial, 2.50% thereafter.
• Prince Edward Island: 2.50%
• Quebec: 
  • Loss of earnings: 2.00%
  • Future Care (Goods): 3.25%
  • Future Care (Services): 2.00%
• Saskatchewan: 0% or 2.50%
  • The rate for the first 15 years that follow trial is the greater of:
    • the average real return bond rate, less 0.5%, rounded to the nearest 0.1%, or
    • zero.
  • 2.50% thereafter
• Yukon: 2.50%

Pain and Suffering/General Damages

Maximum

In 1978, the Supreme Court of Canada set a cap of $100,000 for General Damages in the case Andrews v. Grand & Toy Alberta Ltd. This cap does not apply to cases not directly caused by a bodily injury.

As of Dec 2022, the cap is $428,727 when adjusted for inflation.

Exemptions to the cap are only possible in cases where pain is not directly caused by bodily injury, such as PTSD caused by slander.

Deductible

As of 2022, the deductible for Provinces that have one is:

• Ontario: $44,367.24 for awards under $147,889.59
• Newfoundland and Labrador: $5,000

Minor Injury Caps

As of January 1, 2023, the minor injury caps for Provinces that specify one are:

• Alberta: $5,817
• New Bruinswick: $9,182.57
• Nova Scotia: $10,000
• Prince Edward Island: $9,094

Loss of Income

Retirement Age

As of 2022, the retirement age for public sector employees has a median value of 61.8 years old. Private sector employess have a median retirement age of 64.8 years old and self-employed individuals have a median retirement age of 65.9 years old.

Loss of Household Chores and Services

Replacement Rate

Suggested Rate: $18.26/hour as of 2021. For specific duties, the 2021 rates are:

• Housekeeper: $18/hour
• Childcare Provider: $17/hour
• Dry Cleaning/Laundry: $16.53/hour
• Custodian: $20/hour
• Landscaper: $20/hour
• Groundskeeper: $18/hour

Age Limit

As of 2023, it is presumed that by the age of 80, Canadians will require help with household chores, regardless of injury or accident. 

Life Expectancy

As of 2022, the average life expectancies are:

• Females: 84.53 years old
• Males: 80.29 years old
• All sexes: 82.42 years old

Empty Nest Deduction

Once a child turns 18 they are presumed to be independent. Therefore, childcare hours for a parent are generally considered to go to 0 at this time.