27. (1) Every insurer shall offer the following optional benefits: 1.  An optional income replacement benefit that fixes the amount referred to in subparagraph ii of paragraph 2 of subsection 7 (1) at $600, $800 or $1,000, as selected by the named insured under the policy, for the purpose of determining the weekly amount of an income replacement benefit. 2.  An optional caregiver and dependant care benefit that, i.  fixes the maximum payment for expenses incurred in caring for a person in need of care at $325 per week for the first person in need of care and $75 per week for each additional person in need of care, instead of the amounts specified in subclauses 13 (3) (a) (i) and 13 (3) (b) (i), and ii.  provides for the dependant care benefit described in section 28. 3.  An optional medical, rehabilitation and attendant care benefit that provides for the following maximum limits on medical, rehabilitation and attendant care benefits, instead of the limits specified in subsections 19 (1) and (2), and that provides for no limitation on the period of time for which expenses shall be paid for medical, rehabilitation and attendant care benefits: i.  The sum of the medical and rehabilitation benefits paid in respect of an insured person shall not exceed, for any one accident, A.  $1,100,000, or B.  $2,000,000, if the insured person sustained a catastrophic impairment as a result of the accident. ii.  The amount of the attendant care benefit paid in respect of an insured person shall not exceed, for any one accident, A.  $2,000,000, if the insured person sustained a catastrophic impairment as a result of the accident, B.  $1,072,000 in any case in which the insured person did not sustain as a result of the accident, 1.  a
catastrophic impairment, or 2.  an impairment in an accident occurring after April 14, 2004 that is a Grade I or Grade II whiplash-associated disorder that comes within a Pre-approved Framework Guideline, or C.  nil, if the accident occurred after April 14, 2004 and the insured person’s impairment is a Grade I or Grade II whiplash-associated disorder that comes within a Pre-approved Framework Guideline. iii.  Despite the limits established by subparagraphs i and ii, the overall total of the medical, rehabilitation and attendant care benefits paid in respect of an insured person for any one accident shall not exceed, A.  $1,172,000, or B.  $3,000,000, if the insured person sustained a catastrophic impairment as a result of the accident. 4.  An optional death and funeral benefit that, i.  fixes the amount payable under paragraph 1 of subsection 25 (2) at $50,000, instead of the amount specified in subparagraph 1 i of subsection 25 (2), ii.  fixes the amount payable under paragraph 2 of subsection 25 (2) at $20,000, instead of the amount specified in subparagraph 2 i of subsection 25 (2), iii.  fixes the amount payable under paragraph 3 of subsection 25 (2) at $50,000 if the accident occurred on or after October 1, 2003, instead of the amount specified in subparagraph 3 i of subsection 25 (2), and iv.  fixes the maximum payment for funeral expenses at $8,000 instead of the amount specified in clause 26 (2) (a). 5.  An optional indexation benefit, as described in section 29.  O. Reg. 403/96, s. 27 (1); O. Reg. 114/00, s. 4 (1); O. Reg. 281/03, s. 9 (1); O. Reg. 458/03, s. 9 (1); O. Reg. 295/07, s. 5. (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. 403/96, s. 27 (2); O. Reg. 114/00, s. 4 (2); O. Reg. 314/05, s. 4. (3) An optional benefit may be purchased at any time before an accident in respect of which a claim is made.  O. Reg. 403/96, s. 27 (3). (3.1) 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 Insurance Act.  O. Reg. 551/96, s. 1; O. Reg. 303/98, s. 5. (4) For the purpose of paragraph 3 of subsection (1), the medical and rehabilitation benefits paid in respect of an insured person include any amount paid in respect of the insured person under section 17.  O. Reg. 403/96, s. 27 (4). (5) The maximum monthly attendant care benefit payable in respect of an insured person shall not exceed $6,000 if the benefit is payable in respect of an accident that occurs on or after October 1, 2003.  O. Reg. 458/03, s. 9 (2). Dependant Care Benefit