Insurer ordered to pay IRBs, medical benefits, and a special award; in-house counsel removed for conflict.
The applicant, a personal support worker, was injured while riding as a passenger on a bus that was struck by a car.
She sought income replacement benefits (IRBs), medical benefits, and attendant care benefits (ACBs) after the insurer terminated them.
The arbitrator found the applicant was entitled to IRBs for both the pre-104 week and post-104 week periods, as well as the disputed medical benefits, but denied the claim for ongoing ACBs.
The arbitrator also ordered the insurer to pay a $6,500 special award for unreasonably terminating the applicant's IRBs despite objective medical evidence of a severe knee condition.
In a preliminary ruling, the arbitrator removed the insurer's in-house legal department as representatives of record due to a disqualifying conflict of interest, finding that the mandatory firewall between the insurer's accident benefits and tort files had been breached.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesMay 1, 2018