12. (1) The insurer shall pay an insured person who sustains an impairment as a result of an accident a non-earner benefit if the insured person meets any of the following qualifications: 1.  The insured person suffers a complete inability to carry on a normal life as a result of and within 104 weeks after the accident and does not qualify for an income replacement benefit. 2.  The insured person suffers a complete inability to carry on a normal life as a result of and within 104 weeks after the accident, received a caregiver benefit as a result of the accident and there is no longer a person in need of care. 3.  The insured person suffers a complete inability to carry on a normal life as a result of and within 104 weeks after the accident and, i.  was enrolled on a full-time basis in elementary, secondary or post-secondary education at the time of the accident, or ii.  completed his or her education less than one year before the accident and was not employed, after completing his or her education and before the accident, in an employment that reflected his or her education and training.  O. Reg. 403/96, s. 12 (1). (2) Subject to subsection (3), the amount of the non-earner benefit shall be $185 for each week that the insured person is eligible to receive the benefit.  O. Reg. 403/96, s. 12 (2). (3) If a person qualifies for a non-earner benefit under paragraph 3 of subsection (1) and more than 104 weeks have elapsed since the onset of the disability, the amount of the non-earner benefit shall be $320 for each week that the insured person continues to be eligible to receive the benefit.  O. Reg. 403/96, s. 12 (3). (4) The insurer may deduct the following amounts from the amount payable to an insured person as a non-earner benefit: 1.  Net weekly payments for loss of income that are being received by the insured person as a result of the accident under the laws of any jurisdiction or under any income continuation benefit plan. 2.  Net weekly payments for loss of income that are not being received by the insured person but are available to the insured person as a result of the accident under the laws of any jurisdiction or under any income continuation benefit plan, unless the insured person has applied to receive the payments for loss of income.  O. Reg. 403/96, s. 12 (4); O. Reg. 462/96, s. 6. (5) For the purpose of subsection (4), subsections 7 (2) and (3) apply with necessary modifications.  O. Reg. 403/96, s. 12 (5). (6) Subject to subsection (7), the non-earner benefit is payable during the period that the insured person suffers a complete inability to carry on a normal life.  O. Reg. 403/96, s. 12 (6). (7) The insurer, (a)  is not required to pay a non-earner benefit for the first 26 weeks after the onset of the complete inability to carry on a normal life; and (b)  is not required to pay a non-earner benefit for any period before the insured person attains 16 years of age.  O. Reg. 403/96, s. 12 (7). (8) Sections 9 and 10 apply, with necessary modifications, to a non-earner benefit and, for that purpose, the reference in subsection 10 (1) to “the amount determined under section 7” shall be deemed to be a reference to the amount referred to in subsection (2) of this section.  O. Reg. 403/96, s. 12 (8). PART IV   CAREGIVER BENEFIT