Keep in mind they'll only ever pay out a maximum of 100% over a lifetime. So if you bust up a few things throughout your career, and then lose your legs, you may not get that full 100% cheque you'd expect.
Once you hit 100%, the lump sum limit is exhausted. It sucks, as the figure VAC uses is totally arbitrary, it has no correlation to the upper limit of pain and suffering as established by the SCC.
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