Application for accident benefits dismissed as applicant failed to prove inability to work or need for treatment.
The applicant sought income replacement benefits, medical and rehabilitation benefits for chiropractic treatment, and the cost of a psychological assessment following a motor vehicle accident.
The respondent denied the benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG) and she did not suffer a substantial or complete inability to work.
The adjudicator dismissed the application, finding no medical evidence supported the applicant's inability to work.
Insurer examination reports consistently showed no physical or psychological impairments preventing a return to employment.
The adjudicator also found the applicant failed to prove the proposed chiropractic treatments and psychological assessment were reasonable and necessary.
OLATOntario Licence Appeal TribunalSep 9, 2019
