Applicant removed from Minor Injury Guideline due to psychological and neurological impairments; psychological assessment approved.
The applicant was injured in a motor vehicle accident and sought statutory accident benefits.
The insurer denied treatment plans for chiropractic care and a psychological assessment, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that while the applicant's physical injuries were predominantly minor, she had demonstrated on a balance of probabilities that she sustained psychological and neurological impairments justifying removal from the MIG.
The Tribunal approved the $2,200 psychological assessment as reasonable and necessary, but denied the $2,095.28 chiropractic treatment plan, finding the physical complaints did not warrant further facility-based intervention.
OLATOntario Licence Appeal TribunalJan 22, 2020
