Applicant removed from Minor Injury Guideline due to chronic pain; various treatment plans partially approved.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found the applicant was removed from the MIG due to accident-related chronic pain that impaired her function, relying on treating practitioner records and the insurer's own physiatry assessments.
The Tribunal awarded partial entitlement to attendant care benefits, but found them not payable as they had not been incurred.
Various treatment plans for occupational therapy, assistive devices, a psychological assessment, and physiotherapy were partially or fully approved as reasonable and necessary.
The applicant's claim for a special award was dismissed due to procedural non-compliance in her submissions.
OLATOntario Licence Appeal TribunalDec 17, 2025
