Application for catastrophic impairment benefits dismissed; applicant failed to prove accident caused marked or extreme psychological impairment.
The applicant sought statutory accident benefits after witnessing a fatal bus accident, claiming it caused a catastrophic impairment (schizophrenia).
The respondent denied the benefits, arguing the applicant's condition was pre-existing or prodromal.
The Tribunal found that while the accident may have triggered an acute psychotic episode, the applicant was likely prodromal for years prior and failed to prove he sustained a Class 4 marked or Class 5 extreme impairment in the required spheres of function.
The Tribunal also dismissed claims for attendant care, rehabilitation support worker services, and other expenses, as the applicant's non-catastrophic policy limits were exhausted and the expenses were either not incurred or not reasonable and necessary.
OLATOntario Licence Appeal TribunalJul 28, 2022