Claim for ongoing accident benefits dismissed as extensive surveillance contradicted applicant's claims of severe disability.
The applicant was injured in a motor vehicle accident and received weekly income benefits for three years.
The insurer terminated benefits on the basis that the applicant did not meet the stricter test of being continuously prevented from engaging in any suitable occupation after 156 weeks.
The arbitrator found the applicant lacked credibility, as extensive video surveillance contradicted his claims of severe physical and cognitive disability, showing him engaging in vigorous activities and working as a waiter.
The arbitrator dismissed the claim for ongoing benefits, ordered repayment of an overpayment due to CPP benefits, and awarded the applicant only 50% of his arbitration expenses.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesAug 16, 1996