Application for non-earner benefit dismissed as applicant failed to prove complete inability to carry on normal life.
The applicant was injured in a motor vehicle accident and sought a non-earner benefit, the cost of a social work assessment, and the cost of three disability certificates from her insurer.
The insurer denied the claims, arguing the applicant did not suffer a complete inability to carry on a normal life and that the assessments were not reasonable and necessary.
The Licence Appeal Tribunal dismissed the application, finding the applicant's self-reported activities and the insurer's medical examinations demonstrated she was not completely prevented from engaging in her pre-accident activities.
The Tribunal also found the social work assessment was not reasonable and necessary, and the disability certificates were not payable as they were duplicative and not requested by the insurer.
OLATOntario Licence Appeal TribunalDec 9, 2019
