Section 7 of the Statutory Accident Benefits Schedule provides that income replacement benefits payable by an auto insurer are subject to a deduction for CPP disability benefits paid or payable. If an individual has been in a car accident and is receiving income replacement benefits, then after 104 weeks the auto insurer will usually ask that the individual apply for CPP disability benefits. The test for receiving post-104 week income replacement benefits is arguably very similar to the test for receiving CPP disability benefits.