Ms. Hadida

The applicant was injured in a T-bone collision and received income replacement benefits (IRBs) for two years.

The insurer terminated IRBs at the 104-week mark, arguing the applicant could return to suitable employment.

The Tribunal found that the applicant's accident-related soft tissue injuries aggravated pre-existing arthritis in his hand, resulting in chronic pain and functional limitations.

Given his physical restrictions, limited education, and lack of transferable skills, the Tribunal concluded he suffered a complete inability to engage in suitable employment and was entitled to ongoing IRBs.

Claims for further chiropractic and massage treatments were dismissed as not reasonable or necessary.