Applicant found catastrophically impaired due to marked psychological impairment resulting from accident-induced hearing loss.
The applicant was injured in a rear-end motor vehicle accident and subsequently developed complete hearing loss in his left ear and partial hearing loss in his right ear due to a labyrinthine concussion.
He applied for non-earner benefits, housekeeping benefits, and a determination of catastrophic impairment.
The arbitrator found that the applicant's hearing loss and resulting psychological impairments continuously prevented him from engaging in substantially all of his pre-accident activities, entitling him to non-earner benefits.
The arbitrator also concluded that the applicant sustained a catastrophic impairment under criterion (g) of the Schedule, as his psychological impairments resulted in a Class 4 marked impairment in the sphere of social functioning.
The claim for housekeeping benefits was dismissed.
The insurer was ordered to pay the applicant's arbitration expenses.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesJan 5, 2018