ICBC “Impairment” Payments For Shoulder, Sternum, Clavicle, Rib and Arm Fracture and Rib Removal Under No Fault
Earlier I discussed how ICBC’s ‘permanent impairment regulation’ works under no-fault insurance and how woeful some of the payments are. This is my latest in an ongoing series of posts highlighting these numbers for the various injuries so British Columbians can better understand how poorly serious injuries are treated. Today’s topic are Shoulder, Sternum, Clavicle, Rib and Arm Fracture and Rib Removal.
To jog your memory, under the “permanent impairment regulation” if you suffer an injury with a ‘permanent impairment’ you are entitled to a lump sum. But the sums are grotesquely low. Here’s how it works.
A figure of $167,465 is the starting point. Then, depending on your specific injury, (and remember, for many of these we are talking about not just the injury but those that have not recovered and are not expected to in the future) a fraction of this is awarded.
Let’s apply these figures to Shoulder, Sternum, Clavicle, Rib and Arm Fracture and Rib Removal.
Shoulder, rib or arm fracture or rib removal
|1||Fracture of sternum, clavicle, scapula or humerus with non-specified abnormal healing||1%|
|2||Subject to subsection (2), fracture of a rib||0.5% per rib to a maximum of 2%|
|3||Removal of a rib||2% per rib|
|4||Humeral fracture||with angulation of more than 15°||5%|
|with angulation of 5° to 15°||2.5%|
|with shortening of more than 4 cm||5%|
|with shortening of more than 2 cm to 4 cm||3%|
|with shortening of 1 cm to 2 cm||1.5%|
|5||Chronic osteomyelitis of any upper limb bone with active drainage||3%|
For Fracture of sternum, clavicle, scapula or humerus with non-specified abnormal healing 1% = $1,675
For fractured ribs 0.5%-2% = $837 – $3,350
For Removal of a rib 2% per rib = $3,350
For Humeral fracture the ranges of 1.5% – 5% = $2,507 – $8,373
For Chronic osteomyelitis of any upper limb bone with active drainage 3% = $5,024