11 total
Insurer ordered to pay disputed treatment plans and an unreasonable delay award for withholding benefits.
The applicant sought entitlement to various chiropractic and psychological treatment plans following a motor vehicle accident, as well as an award for unreasonable delay.
The Tribunal found all disputed treatment plans to be reasonable and necessary, noting consistent medical reporting and rejecting the insurer's credibility concerns.
The Tribunal also granted an award under s. 10 of Regulation 664, finding the insurer unreasonably withheld benefits, particularly by denying psychological services despite agreement between its own assessor and the applicant's assessor.
The award was set at 10% for psychological services and 5% for chiropractic services.
Application for accident benefits dismissed; applicant failed to prove chronic pain or psychological impairment warranting removal from MIG.
The applicant sought statutory accident benefits following a motor vehicle accident, arguing he should be removed from the Minor Injury Guideline (MIG) due to a pre-existing shoulder condition, chronic pain, and a psychological impairment.
The Tribunal found insufficient evidence that a pre-existing condition would preclude maximal medical recovery within the MIG.
Applying the AMA Guides criteria, the Tribunal concluded the applicant did not suffer from a chronic pain condition, as medical reports indicated he had returned to full-time work and pre-accident activities without functional impairment.
The Tribunal also accepted the respondent's psychological assessment, finding no accident-related psychological diagnosis.
As the applicant's injuries were predominantly minor, he remained subject to the $3,500 MIG limit, and his claims for further assessments, interest, and an award were dismissed.
Orthopaedic assessment granted for accident-related aggravation of pre-existing osteoarthritis; chiropractic and attendant care plans denied.
The applicant sought statutory accident benefits following a motor vehicle accident, including six chiropractic treatment plans, an attendant care needs assessment, and an orthopaedic assessment.
The respondent denied the benefits, relying on insurer's examinations which concluded the applicant's injuries were minor and had resolved, and that her ongoing complaints stemmed from pre-existing osteoarthritis.
The Tribunal found that the chiropractic treatment plans and attendant care needs assessment were not reasonable and necessary, preferring the respondent's physiatrist's reports over the applicant's orthopaedic surgeon's report.
However, the Tribunal granted the orthopaedic assessment, finding that the family doctor's clinical notes corroborated an aggravation of the applicant's pre-existing knee condition caused by the accident.
The Tribunal also found the respondent's denial notices compliant with the Schedule and declined to order a special award.
Application for accident benefits dismissed as applicant failed to prove treatment plans were reasonable and necessary.
The applicant sought statutory accident benefits for various treatment plans, including assistive devices, psychological services, a chronic pain assessment, and a neurology assessment, following a 2018 motor vehicle accident.
The respondent denied the plans.
The Tribunal found that the applicant failed to prove on a balance of probabilities that the proposed treatment plans were reasonable and necessary.
The Tribunal also found that the respondent complied with the notice requirements under section 38 of the Schedule.
The application was dismissed in its entirety, and claims for interest and a section 10 award were denied.
Application for accident benefits dismissed as injuries fell within the Minor Injury Guideline limits.
The applicant sought accident benefits following a motor vehicle accident, arguing that chronic pain and psychological impairments warranted removal from the Minor Injury Guideline (MIG).
The Licence Appeal Tribunal found that the applicant failed to establish chronic pain with functional limitations or a psychological impairment, noting a lack of supporting contemporaneous medical evidence and relying on the respondent's section 44 assessment.
As the applicant's injuries were deemed predominantly minor and the $3,500 MIG limit had been exhausted, the claim for a $2,500 orthopedic assessment and interest was dismissed.
Application for accident benefits dismissed as injuries fell within the Minor Injury Guideline.
The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied various treatment plans, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant's injuries were predominantly minor, preferring the insurer's medical examinations which showed the applicant's pain did not significantly impede his function and that he had returned to physical work.
As the applicant remained within the MIG and the disputed plans exceeded the $3,500 limit, the application for the treatment plans and interest was dismissed.
Claims for acupuncture and assistive devices denied as not reasonable and necessary for chronic pain.
The applicant sought statutory accident benefits for physiotherapy, acupuncture, and assistive devices following a 2015 motor vehicle accident.
The Licence Appeal Tribunal found that the applicant was not entitled to reimbursement for physiotherapy expenses incurred before submitting a treatment plan.
For two subsequent treatment plans, the Tribunal approved shockwave therapy at a reduced rate but dismissed claims for acupuncture, orthotics, and other assistive devices, finding them not reasonable and necessary given the applicant's ongoing participation in a chronic pain program and lack of evidence supporting their efficacy.
The applicant's claim for costs was dismissed.
Chronic pain assessment granted due to ongoing symptoms; psychological treatment denied due to treatment gap.
The applicant sought statutory accident benefits for psychological treatment and a chronic pain assessment following a motor vehicle accident.
The adjudicator denied the psychological treatment plans, finding an unexplained gap in treatment and a lack of supporting documentation.
However, the adjudicator granted the chronic pain assessment, concluding that the applicant's ongoing pain complaints and functional limitations made it reasonably possible she suffered from chronic pain syndrome.
The respondent's request for costs was denied as the applicant's conduct was not unreasonable, frivolous, vexatious, or in bad faith.
Insurer justified in suspending IRBs for non-attendance at reasonable IE; costs awarded against insurer for evading summons.
The applicant sought income replacement benefits (IRBs) following a motor vehicle accident.
The respondent insurer suspended the IRBs after the applicant failed to attend a scheduled orthopaedic insurer's examination (IE).
The applicant argued the IE was not reasonably necessary and sought payment of the withheld IRBs, an award, and interest.
The Tribunal found that the requested orthopaedic IE was reasonably necessary given new medical evidence (an MRI showing an annular tear) and that the applicant failed to provide a reasonable explanation for his non-attendance.
Consequently, the insurer was not required to pay IRBs for the period of non-compliance.
However, the Tribunal awarded the applicant $250 in costs due to the insurer's unreasonable and bad faith conduct in evading service of a summons for its adjuster.
The insurer's request for costs was denied.
Minor Injury Guideline provisions capping benefits for chronic pain and requiring pre-accident documentation held unconstitutional.
The applicant was injured in a motor vehicle accident and sought accident benefits.
The insurer denied certain benefits on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG), which caps medical and rehabilitation benefits at $3,500.
The applicant brought a preliminary issue hearing challenging the constitutionality of the MIG under the Charter.
The arbitrator found that the MIG's inclusion of 'clinically associated sequelae' and its requirement that pre-existing conditions be documented before the accident discriminated against individuals with chronic pain and undocumented pre-existing conditions, violating section 15(1) of the Charter.
The infringement was not justified under section 1.
The arbitrator read down the definition of 'clinically associated sequelae' to exclude chronic pain and severed the requirement for pre-accident documentation.
Accident benefits claim dismissed as applicant failed to prove injuries fell outside the Minor Injury Guideline.
The applicant was injured in a rear-end motor vehicle accident and sought statutory accident benefits for an attendant care assessment and chiropractic treatment.
The respondent insurer denied the benefits on the basis that the applicant's injuries fell within the Minor Injury Guideline (MIG) and the proposed treatment would exceed the $3,500 cap.
The Tribunal found that while the applicant sustained an impairment, he failed to meet the burden of proving his injuries warranted treatment outside the MIG.
The Tribunal rejected the applicant's claims of chronic pain and psychological impairment due to insufficient medical evidence and credibility issues.
Consequently, the disputed treatment plans and claim for interest were dismissed.
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