Insurer ordered to pay ongoing income replacement benefits due to accident-induced chronic pain and depression.
The applicant was injured in a motor vehicle accident and received income replacement benefits until the insurer terminated them.
The applicant applied for arbitration, claiming ongoing entitlement due to complete inability to engage in employment.
The arbitrator found that the accident materially contributed to the applicant's disability, exacerbating pre-existing injuries and causing chronic pain and depression.
The applicant was awarded income replacement benefits for both the pre- and post-104 week periods, along with interest and arbitration expenses.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesNov 16, 2006
