Income replacement benefits awarded for a limited period; ongoing benefits denied based on surveillance and DAC assessment.
The applicant was injured in a motor vehicle accident and sought income replacement benefits and medical benefits after the insurer terminated them.
The arbitrator found that the applicant was entitled to income replacement benefits for a limited period from July 22, 2000, to October 4, 2000, based on his family doctor's evidence of ongoing improvement.
However, relying on surveillance evidence and a Med Rehab DAC assessment, the arbitrator concluded the applicant was substantially able to perform his pre-accident employment as a welder after October 4, 2000.
The arbitrator also awarded $1,522 for chiropractic treatments but denied the claim for physiotherapy and massage treatments, finding them not reasonable and necessary.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesDec 3, 2002
