Treatment plan payable despite MIG limit due to insurer's failure to provide compliant denial notice.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent denied a treatment plan for physiotherapy, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found the applicant did not provide sufficient medical evidence to warrant removal from the MIG.
However, the Tribunal ordered the respondent to pay the $3,282.81 treatment plan because the respondent failed to comply with the notice requirements under ss. 38(8) and 38(9) of the Schedule, triggering the mandatory payment provision under s. 38(11).
The applicant's claim for an award under s. 10 of Reg. 664 was dismissed, but interest was awarded on the overdue payment.
OLATOntario Licence Appeal TribunalMar 31, 2026