Applicant found catastrophically impaired due to combined physical and psychological injuries from a motorcycle accident.
The applicant was injured in a motorcycle accident and sought statutory accident benefits from the insurer, claiming she suffered a catastrophic impairment due to a combination of physical injuries and severe psychological disorders (depression, PTSD, and chronic pain).
The arbitrator found that the applicant's combined physical and psychological impairments met the 55% whole person impairment threshold, qualifying her for catastrophic impairment status.
The arbitrator also found the applicant suffered a complete inability to carry on a normal life, entitling her to ongoing non-earner benefits.
Claims for a specialized hospital bed and certain rehabilitation expenses were granted, while claims for massage therapy, travel time, and a special award were denied.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesMay 16, 2016
