28.
 28. (1) Every insurer shall offer the following optional benefits: 1.  An optional income replacement benefit that increases the maximum weekly amount of $400 referred to in the definition of “B” in subsection 7 (1) to $600, $800 or $1,000, as selected by the named insured under the policy. 2.  An optional caregiver, housekeeping and home maintenance benefit that, i.  provides caregiver benefits payable in the circumstances described in section 13 if, as a result of and within 104 weeks after the accident, the insured person suffers a substantial inability to engage in the caregiving activities in which he or she engaged at the time of the accident even if the impairment sustained by the insured person is not a catastrophic impairment, but not for any period longer than 104 weeks of disability unless, as a result of the accident, the insured person is suffering a complete inability to carry on a normal life, and ii.  provides a housekeeping and home maintenance benefit payable in the circumstances described in section 23 even if the impairment sustained by the insured person is not a catastrophic impairment, but not for expenses incurred more than 104 weeks after the onset of the disability. 3.  An optional medical, rehabilitation and attendant care benefit of up to $130,000 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019 in respect of an insured person for any one accident in which the impairment sustained by the insured person is not a catastrophic impairment, instead of the maximum amount specified in clause 18 (3) (a). 4.  An optional medical, rehabilitation and attendant care benefit of up to the following maximum amounts plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019, instead of the maximum amount specified in subsection 18 (3), and that does not limit the period of time for which expenses are to be paid by the insurer for medical, rehabilitation and attendant care benefits: i.  $1,000,000 if the insured person did not sustain a catastrophic impairment as a result of the accident. ii.  $2,000,000 if the insured person sustained a catastrophic impairment as a result of the accident. 5.  An optional catastrophic impairment benefit for medical, rehabilitation and attendant care benefits of up to $1,000,000 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019 if the insured person sustained a catastrophic impairment as a result of the accident. 6.  An optional death and funeral benefit that, i.  fixes the amount payable under paragraph 1 of subsection 26 (2) at $50,000, instead of the amount specified in subparagraph 1 i of subsection 26 (2), ii.  fixes the amount payable under paragraph 2 of subsection 26 (2) at $20,000, instead of the amount specified in subparagraph 2 i of subsection 26 (2), iii.  fixes the amount payable under paragraph 3 of subsection 26 (2) at $50,000 instead of the amount specified in subparagraph 3 i of subsection 26 (2), and iv.  fixes the maximum payment for funeral expenses at $8,000 instead of the amount specified in clause 27 (2) (a). 7.  An optional dependant care benefit, as described in section 29. 8.  An optional indexation benefit, as described in section 30.  O. Reg. 34/10, s. 28 (1); O. Reg. 251/15, s. 11 (1); O. Reg. 123/19, s. 5 (1-3). (2) The optional benefits referred to in subsection (1) are applicable only to, (a)  the named insured; (b)  the spouse of the named insured; (c)  the dependants of the named insured and of the named insured’s spouse; and (d)  the persons specified in the policy as drivers of the insured automobile.  O. Reg. 34/10, s. 28 (2). (3) An optional benefit may be purchased at any time before an accident in respect of which an application for benefits is made.  O. Reg. 34/10, s. 28 (3). (4) If a person purchases an optional benefit referred to in subsection (1), the insurer shall issue to the person the endorsement set out in Ontario Policy Change Form 47 (OPCF 47), as approved by the Commissioner of Insurance on December 3, 1996 under section 227 of the Act.  O. Reg. 34/10, s. 28 (4). (5) For the purposes of paragraphs 3, 4 and 5 of subsection (1), the medical, rehabilitation and attendant care benefits payable in respect of an insured person include all fees and expenses for conducting assessments and examinations and preparing reports in connection with any benefit or payment to or for an insured person under this Regulation, other than, (a)  fees in connection with any examination required by an insurer under section 44; and (b)  expenses in respect of a report referred to in subsection 7 (4). O. Reg. 251/15, s. 11 (2). (6) For the purposes of paragraphs 3, 4 and 5 of subsection (1), no attendant care benefit is payable if the insured person’s impairment is a minor injury. O. Reg. 251/15, s. 11 (2). (7) For the purposes of paragraphs 4 and 5 of subsection (1), (a)  the maximum monthly attendant care benefit payable in respect of an insured person shall not exceed $6,000 plus the amount of any applicable harmonized sales tax payable under Part IX of the Excise Tax Act (Canada) for accidents that occur on or after June 3, 2019; and (b)  the medical and rehabilitation benefits payable in respect of an insured person include any amount paid in respect of the insured person for services provided by a qualified case manager as authorized under section 17. O. Reg. 251/15, s. 11 (2); O. Reg. 123/19, s. 5 (4).