Income replacement benefits awarded for a closed period due to psychological impairment following a motor vehicle accident.
The applicant was injured in a rear-end motor vehicle accident and sought ongoing income replacement benefits after the insurer terminated them.
The arbitrator found no objective physical injury but accepted that the applicant developed significant emotional and psychological problems resulting in a substantial inability to perform her essential job tasks.
However, evidence showed she was functionally able to operate a chip wagon business on her own by the summer of 1997.
The arbitrator ordered the insurer to pay income replacement benefits from the date of termination until June 1, 1997.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesDec 6, 1999
