Applicant's injuries fell outside the Minor Injury Guideline due to chronic pain and psychological impairments.
The Applicant was injured in a rear-end motor vehicle accident and sought accident benefits from the Insurer.
The Insurer denied various treatment plans on the basis that the Applicant's injuries fell within the Minor Injury Guideline (MIG).
The Arbitrator found that the Applicant's injuries fell outside the MIG due to chronic pain, psychological impairments, and radicular symptoms.
The Arbitrator approved several treatment plans for chronic pain assessment, psychological assessment and treatment, active treatment, and a home assessment, while denying others as duplicative or unnecessary.
The Applicant was also awarded interest on overdue payments.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesNov 30, 2017