What is the waiting period for Income Replacement Indemnity under the Personal Injury Protection Program?

The waiting period for Income Replacement Indemnity under the Personal Injury Protection Program is indeed 7 days. This means individuals who suffer an injury and are unable to work must wait a full week after the injury occurs before they can begin receiving income replacement benefits.

This initial waiting period is common in many insurance programs as it helps to filter out short-term disabilities and encourages individuals to return to work as soon as possible if they are able. It also allows the program to reduce the administrative burden of processing claims for very brief incapacities.

The other options, such as 90 days and 60 days, represent longer waiting periods that are not in line with the policies of the Personal Injury Protection Program. An immediate payment would not allow for any assessment of the situation and would not fit with the standard approach of waiting periods, which is designed to balance support for those genuinely unable to work with the management of claims.