The applicant was injured in a motor vehicle accident and applied for medical and non-earner benefits.
The insurer refused to pay for medical benefits because the applicant failed to attend insurer's examinations to determine if her injuries fell within the Minor Injury Guideline, and argued this precluded her from mediating the refusal.
The insurer also refused to pay a non-earner benefit, arguing she did not apply for it.
The arbitrator held that the insurer's notices did not comply with the Statutory Accident Benefits Schedule, so the applicant was not precluded from mediating her medical benefits claim.
The arbitrator also found the applicant was not precluded from pursuing her non-earner benefit claim, as her initial application and disability certificate triggered the insurer's obligation to determine continuing entitlement.
The insurer was ordered to pay the claimed treatment expenses.