Applicant found catastrophically impaired due to marked psychological impairment; ongoing income replacement and attendant care awarded.
The applicant was injured in a motor vehicle accident and sought enhanced statutory accident benefits, claiming she suffered a catastrophic impairment.
The arbitrator found that the applicant sustained a catastrophic impairment under section 2(1.2)(g) of the Schedule, as she suffered a marked impairment in the area of adaptation due to a major depressive disorder.
The arbitrator preferred the evidence of the applicant's psychological expert over the insurer's expert, noting the former's comprehensive review of medical records and adherence to the AMA Guides.
The applicant was awarded ongoing income replacement benefits, having established a complete inability to engage in suitable employment due to chronic pain and medication side effects.
The arbitrator also awarded housekeeping benefits, specific periods of attendant care benefits, and approved several treatment plans.
A special award of 20% was ordered against the insurer for unreasonably delaying the assessment and payment of pre-104 week attendant care benefits following the applicant's surgery.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesFeb 4, 2016