Income replacement benefits awarded for a limited period due to accident-related panic attacks.
The applicant was injured in a motor vehicle accident and sought ongoing income replacement benefits and supplementary medical benefits for prescriptions after the insurer terminated them.
The arbitrator found that the applicant was not physically disabled from returning to her pre-accident employment as a hairstyling instructor.
However, the arbitrator concluded that the applicant suffered from accident-related panic attacks that substantially disabled her from working during an acute phase between December 1996 and August 1997.
Income replacement benefits were awarded for this limited period.
The arbitrator also awarded the cost of most claimed prescriptions, finding them reasonable and necessary for treating her accident-related psychological condition.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesDec 29, 1998
