Income replacement benefits awarded based on psychological impairment preventing return to work.
The applicant was injured in a motor vehicle accident and received income replacement benefits until they were terminated by the insurer.
The applicant sought further income replacement benefits, arguing he was unable to return to his pre-accident employment as a concrete cutter due to physical and psychological impairments.
The arbitrator found the applicant's physical impairment evidence unreliable, but accepted the psychological evidence that he suffered from major depressive disorder and anxiety which prevented him from working.
The arbitrator preferred the applicant's psychological expert over the insurer's expert.
The applicant was awarded income replacement benefits for the disputed period.
Claims for attendant care and housekeeping were withdrawn, and a claim for the cost of a functional abilities evaluation was denied for failing to seek prior approval.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesOct 14, 2005
