Chiropractic treatment plan approved; insurer's neurosurgeon opinion outweighed by treating practitioners and insurer's occupational therapist.
The applicant was injured in a motor vehicle accident and sought payment for a treatment plan for chiropractic services and massage in the amount of $2,425.47.
The insurer denied the benefit, relying on an insurer's examination by a neurosurgeon.
The Tribunal found the treatment plan to be reasonable and necessary, preferring the evidence of the applicant's treating practitioners and the insurer's own occupational therapy assessor, who noted ongoing pain and functional deficits.
The applicant was awarded the cost of the treatment plan and interest on overdue benefits.
OLATOntario Licence Appeal TribunalSep 17, 2025
