The applicant, a university student, was injured in a motor vehicle accident and missed the first week of her third year.
She returned to school but claimed she was substantially unable to perform her essential tasks due to pain, lack of concentration, and lower grades.
The insurer paid no-fault weekly benefits until April 1991, then terminated them and sought repayment, arguing she was not disabled and had failed to cooperate with medical assessments.
The arbitrator found the applicant was only disabled for the first six weeks after returning to school, as her academic performance did not demonstrate a substantial inability to perform her essential tasks as a student.
The arbitrator ordered the applicant to repay the benefits received after October 16, 1990, finding they were paid through error materially caused by the applicant's failure to provide medical releases or attend an independent medical examination.