Application for non-earner benefit dismissed as applicant did not suffer complete inability to carry on normal life.
The applicant sought a non-earner benefit (NEB) following a motor vehicle accident, which the respondent insurer denied.
The applicant argued the denial notice was deficient and that she met the disability test based on psychological assessments.
The Tribunal found the denial notice compliant as it clearly referenced the independent medical assessors' conclusions.
Relying on the insurer's psychological assessment, the Tribunal concluded the applicant did not suffer a complete inability to carry on a normal life, as she continued to perform personal care, household chores, and caregiving duties.
The application for the NEB, an award, and interest was dismissed.
OLATOntario Licence Appeal TribunalAug 8, 2025
