Ontario form
OCF-18 — Treatment and Assessment Plan
OCF-18 is the Ontario auto-insurance Treatment and Assessment Plan under the Statutory Accident Benefits Schedule. You use it to propose assessment or treatment for accident-related injuries and to ask the insurer to pay. It is not OCF-3 (disability certificate), not a WSIB program-of-care report, and not a blank cheque. Insurers approve, partially approve, or deny lines. You still treat within your college rules either way.
What OCF-18 is asking
The plan lists injuries, goals, proposed goods and services, frequency, duration, and cost. SABS has guideline and non-guideline pathways. If the person is in the Minor Injury Guideline, do not submit an OCF-18 that pretends they are not — unless you have a defensible reason they are outside it. The insurer will read both the form and your chart.
Use the current OCF-18. Auto forms change. Propose only what you (or the named provider) will actually deliver. A 40-week psychology block you cannot staff is not a plan.
Approval is not a diagnosis
An insurer may deny a line item. That is a funding decision. It does not by itself mean the injury is gone. Document what you recommended, what was approved, and what the patient was told about paying out of pocket.
Who completes OCF-18
- A regulated health professional listed on the current form who is proposing the plan — often the treating physician, chiropractor, physiotherapist, occupational therapist, or psychologist.
- Multi-disciplinary clinics: one responsible signatory, with other providers named on the lines they will deliver.
- Do not sign an OCF-18 for services you will not oversee.
- The claimant completes their parts (including any consent / assignment language on the current form). Do not initial those for them.
How to complete the plan
- Accident date, claim number, injuries being treated now.
- Goals that are measurable: reduce headache days, return to modified work, independent dressing. “Get better” is not a goal.
- Each line: provider, profession, service, quantity, frequency, duration, fee. Bundle only if the form allows it.
- Why this is accident-related and why it is reasonable now — especially if you are past the usual recovery window for that injury.
- Prior treatment already delivered (including MIG or other providers) so you are not double-counting.
- Barriers: missed sessions, language, transportation, concurrent WSIB. Do not hide them.
- Reassessment date. An open-ended plan is how you get a denial.
If you need an assessment (neuropsych, chronic pain, IE-style evaluation you are proposing), say assessment, not 24 treatment visits you have not justified. OCF-18 is in the name: treatment and assessment.
Worked example (fictional)
OCF-18 — physiotherapy after MIG, family-practice referral
Fictional 45-year-old. Do not copy into a real OCF-18.
Accident 2026-08-10, cervical strain. Completed MIG physiotherapy. Residual limited rotation, desk-work aggravation. Goals: cervical rotation within 10° of contralateral by 8 weeks; sit 90 minutes with one break; return to unrestricted accounting duties. Plan: PT 2x/week x 6 weeks, then reassess (named clinic, named PT). Home program. No imaging proposed. No psychology on this plan. Not an OCF-3. Work status lives on OCF-3 / clinical notes. I am the family physician proposing this plan in coordination with PT. Patient consents on the form.
Why OCF-18 is denied or sent back
- Services that duplicate a guideline already paid.
- No goals, or goals that do not match the listed injuries.
- Providers not named, or professions that cannot deliver that line.
- Using OCF-18 as a disability certificate.
- Unsigned claimant or practitioner sections.
Draft OCF-18 from the visit, then check every line item
In Scribeberry, open Forms, search for OCF-18 or treatment plan, or upload the official SABS PDF. Generate from the encounter and your notes, then review every field before you sign. The clinician still certifies the content. Scribeberry does not file with the insurer, FSRA, or the Government of Ontario.
Frequently asked questions
Do I still need OCF-3 if I complete OCF-18?
They answer different questions. OCF-18 proposes treatment. OCF-3 describes disability and work/caregiving. The insurer may want both. Complete the form that was requested.
What if the insurer denies the plan?
That is a funding decision under SABS. Document it. Discuss options with the patient (appeal, revised plan, paying privately). Do not invent a different diagnosis to get the same line approved.
Is OCF-18 the same as a WSIB program of care?
No. WSIB has its own programs of care and report forms. Auto insurance uses SABS OCF forms. Do not submit an OCF-18 to WSIB or a Form 26 to an auto insurer.
Does Scribeberry submit OCF-18 to the insurer?
No. Scribeberry helps you complete the PDF from clinical context. You or the clinic submit it through the insurer’s process. You keep a copy in the chart.
Forms
