Insurer ordered to pay medical and examination benefits as treatment was reasonable and necessary for chronic pain.
The applicant was injured in a rear-end motor vehicle accident and sought statutory accident benefits for medical treatment and examinations related to chronic pain.
The insurer denied the treatment plans, arguing the injuries were minor soft tissue injuries that did not justify further treatment two years post-accident.
The arbitrator found the applicant credible and accepted expert evidence that she suffered from a chronic pain disorder.
The arbitrator concluded the treatment at the Rehab Centre was reasonable and necessary to manage pain, improve function, and allow the applicant to continue working.
The applicant was awarded $11,695 for medical benefits, $1,462.44 for examinations, and interest on overdue payments.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesApr 26, 2013
