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In the context of insurance benefits for injured individuals, particularly in Ontario's automobile insurance system, understanding the distinct categories of benefits is crucial.

Non-earner benefits are specifically designed for those who are not employed or have not been employed prior to their accident and therefore cannot claim traditional income replacement benefits. This means that individuals who fall under the category of "non-earner" are not entitled to income replacement benefits, which are intended for individuals who were employed and are now unable to work due to their injuries.

Caregiver benefits, on the other hand, are available to individuals who are responsible for the care of others, and these benefits are typically intended for those who have caregiving responsibilities that have been impacted due to their injuries.

Given that a non-earner does not qualify for income replacement benefits, nor would they typically qualify for caregiver benefits since these are provided based on current or past employment status and responsibility for caregiving under employment, it becomes clear that all the listed benefits—income replacement benefits, caregiver benefits, and non-earner benefits—are not payable to a non-earner.

Therefore, stating that "All of the above" are not payable to a non-earner accurately reflects the limitation of benefits available to individuals who fall into this category.