T.O.

The applicant sought non-earner benefits following a motor vehicle accident.

The respondent insurer denied the claim on the basis that the applicant did not suffer a complete inability to carry on a normal life.

The Tribunal found that while the applicant sustained impairments from the accident, including exacerbation of pre-existing back issues and a concussion, she did not meet the test for a complete inability to carry on a normal life.

The Tribunal preferred the evidence of occupational therapists over the applicant's self-reports, noting she continued to engage in substantially all of her pre-accident activities, including providing childcare for her granddaughter.

The application was dismissed.