Applicant's chronic pain and psychological impairment removed her from the Minor Injury Guideline; treatment plans partially approved.
The applicant was injured in a rear-end motor vehicle accident and sought statutory accident benefits from the insurer.
The insurer denied several treatment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The arbitrator found that the applicant's ongoing chronic pain and worsening psychological condition, which interfered with her functioning, removed her from the MIG.
The arbitrator approved treatment plans for physical therapy, psychological assessment and treatment, and chronic pain assessment, but denied several other assessments as premature or unnecessary.
The applicant was also awarded interest on overdue benefits.
OFSCDRSOntario Financial Services Commission - Dispute Resolution ServicesNov 30, 2017