Arbitrator's termination of income replacement benefits overturned due to an unsupported factual inference amounting to an error of law.
The appellant was injured in a motor vehicle accident and received income replacement benefits for two years until the insurer terminated them, arguing she did not meet the 'any occupation' test.
At arbitration, the Arbitrator ordered benefits reinstated but only until September 2000, inferring from a psychiatrist's report that the appellant could perform some work.
On appeal, the Director's Delegate found the Arbitrator erred in law by drawing an inference that was not supported by the evidence, as the psychiatrist's report did not recommend a work trial but merely suggested one to prove his unqualified opinion that she was completely disabled.
The appeal was allowed and the issue of entitlement to benefits was remitted to a new arbitration hearing.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesFeb 26, 2003