Download OCF-3 Disability Certificate for 2024 + tips to fill out
verified information
Information verified by Alexandre Desoutter
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodology
Whether you're at fault or not, being injured in an accident in Ontario—whether as a cyclist, driver, pedestrian, or any other mode of transportation—entitles you to claim the Accident Benefits Application Package.
This guide focuses on the OCF-3 form, also known as the "Disability Certificate," a crucial document in the Accident Benefits claim process. The OCF-3 form plays a vital role in documenting and evaluating the extent of your injuries and any resulting impairments or disabilities from the accident.
Understanding how to accurately complete the OCF-3 form is essential for your claim. That's why we've crafted this guide, offering step-by-step assistance to ensure you fill out the form correctly and thoroughly, helping you secure the benefits you're entitled to.
Download the OCF-3 Disability Certificate
Here's the OCF-3 Form in a PDF format. Download it for free:
Good to know
The OCF-3 Form is only a part of the total Accidents Benefits Application Package. Check which other OCF forms you should fill out and send it all together with this one. To access the other forms, scroll to the bottom of this guide.
Car insurance is mandatory in Ontario. To get the best offer possible, check out car insurance offers in Canada with our free comparison tool below. Compare quotes based on your unique needs and get the most economical plan now.
Compare Canada's best car insurance plans
What is an OCF-3 Form?
This form must be completed if you are disabled and unable to show up at work and must be filled out by an authorized health practitioner like your family doctor, surgeon, chiropractor, dentist, occupational therapist, nurse practitioner, optometrist, physician, physiotherapist, occupational therapist, speech-language pathologist or psychologist, etc.
You will need to complete Parts 1 and 3 of the OCF-3 form and then address it to your health practitioner to fill out the rest. He will explain your accident-related injury, complete the form based on his most recent diagnostic, and then return it to your insurance company.
Watch out!
All accidents must be reported to the police before claiming any benefit to any insurance company. If you are new to car insurance and don't have a policy yet, or are looking to change your current plan, you're in the right place. Check out our full guide on the best Ontario car insurance plans, and how they work, and compare them online.
Where to send the OCF-3 Form?
Depending on how you've been injured in an automobile accident, you must complete and return the OCF-3 Form to different companies:
| Situation | Where to send the OCF forms? |
|---|---|
| If You Own, Lease, or Have Regular Use of a Company Automobile | Send the OCF-3 Form to the insurance company that insures the vehicle, or in the case of leasing, to the insurance company that insures the car in which you were an occupant. |
| If You are a Listed Driver | If you are listed as a driver on somebody's insurance policy, send the OCF-3 Form to the insurance company that issued the policy you are listed on. |
| Occupant of Somebody Else's Automobile | If you are an occupant of somebody else's automobile that was insured at the time of the accident, send your OCF forms to the insurance company that insures this automobile. |
| Pedestrian or Bicyclist | If you are a pedestrian or a bicyclist struck by an automobile that was insured at the time of the accident, send your OCF forms to the insurance company of the automobile that struck you. |
| Uninsured Automobile | If you are an occupant of an automobile that was not insured at the time of the accident, send your OCF-3 Form to the insurance company of any other automobile that was involved in the accident. |
| None of the Above Apply | You may be able to obtain accident benefits from the Motor Vehicle Accident Claims Fund (see Part 11). |
What is the OCF Accidents Benefits Application Package?
In Ontario, when you are injured after an automobile accident and you need to claim benefits, you first need to complete the right Auto Insurance Claim Forms. To get Statutory Accident Benefits, you will need to send at once several forms depending on your situation and what you are claiming after the accident.
All those forms are part of the Accidents Benefits Application Package. Find them all below:
Expert advice
To know which OCF forms you need to fill out for your application to be complete, you can make a quick phone call to your insurance company upfront.
Once your insurer has received your application, you will be contacted to know which benefits you can get. They will tell you if there are missing information.
If you don't have insurance yet and are wondering how to get one, we've got you covered. Use our free tool below to explore the best car insurance plans in Canada and get personalized quotes based on your unique needs.
Compare Canada's best car insurance plans
Our top 5 tips to properly fill out the OCF-3 Form
Keep these things in mind before filling out the OCF forms and claiming accident benefits:
- Tip #1: Seek for legal advice to be sure you are correctly claiming benefits.
- Tip #2: Print out your form as clearly as possible.
- Tip #3: Send it to the right people and make sure they return it to your insurance company.
- Tip #4: Do not complete the health information disclosure without knowing what will be shown exactly to your employer or insurance company.
- Tip #5: Never lie about your application to get your benefits, this is a criminal offense punished by the law.
