Applicant's injuries fall within the Minor Injury Guideline; insurer must pay for treatment plans during non-compliant denial periods.
The applicant sought statutory accident benefits following a motor vehicle accident.
The respondent denied several treatment plans and income replacement benefits.
The Tribunal found that the respondent failed to provide adequate notice under s. 38(8) of the Schedule for several treatment plans, requiring the respondent to pay for those plans during the periods of non-compliance.
However, the Tribunal concluded that the applicant's injuries fell within the Minor Injury Guideline (MIG), as he failed to prove a pre-existing condition, post-concussive syndrome, chronic pain, or a psychological impairment that would remove him from the MIG.
The Tribunal also dismissed the applicant's claim for income replacement benefits, finding he did not suffer a substantial inability to perform the essential tasks of his employment.
The claim for a special award was dismissed.
OLATOntario Licence Appeal TribunalDec 15, 2021