Physiotherapy benefits denied due to pre-existing conditions; psychological monitoring approved as integral to treatment.
The applicant sought statutory accident benefits following a motor vehicle accident, disputing the insurer's denial of two physiotherapy treatment plans and a portion of a psychological treatment plan.
The Tribunal found the physiotherapy plans were not reasonable and necessary, preferring the evidence of the insurer's examination assessors over the applicant's medical reports, which contained inconsistencies regarding pre-existing conditions.
The Tribunal approved the disputed psychological treatment for observation and monitoring, finding it integral to the approved psychotherapy.
Claims for a special award and costs were dismissed, while interest was granted on the overdue psychological benefits.
OLATOntario Licence Appeal TribunalMar 11, 2026
