Applicant removed from Minor Injury Guideline due to psychological impairment; partial treatment benefits awarded.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied several treatment plans and an income replacement benefit, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant sustained a psychological impairment, removing her from the MIG.
The Tribunal approved treatment plans for psychological services, a psychological assessment, physiotherapy, and a chronic pain assessment, finding them reasonable and necessary.
However, claims for chiropractic services and an income replacement benefit were dismissed due to insufficient evidence.
The Tribunal awarded interest on the approved benefits but declined to order a special award, finding the insurer's conduct was not unreasonable.
OLATOntario Licence Appeal TribunalApr 16, 2025