Dr. S. Schwartz

The applicant sought statutory accident benefits following a motor vehicle accident.

The respondent denied funding for several treatment and assessment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).

The adjudicator found that the applicant failed to prove he suffered from a pre-existing condition, psychological injury, or chronic pain condition that would remove him from the MIG.

Relying on insurer's examinations and the lack of consistent medical complaints, the adjudicator concluded the injuries were predominantly minor.

The application for disputed benefits and interest was dismissed.

The applicant was injured in a motor vehicle accident and sought statutory accident benefits.

The insurer determined the injuries fell within the Minor Injury Guideline (MIG) and denied several treatment plans.

The Tribunal found that the applicant sustained psychological injuries, including an adjustment disorder with mixed anxiety and depressed mood, which removed him from the MIG.

The Tribunal ordered payment for a psychological assessment plan and a chiropractic treatment plan that the insurer had failed to deny within the required timelines.

A second chiropractic treatment plan was found not reasonable and necessary.