Z. Ladak

The Applicant sought various medical and rehabilitation benefits following a motor vehicle accident.

The Tribunal found that the Applicant was barred from disputing several treatment plans because she failed to apply within the two-year limitation period, noting the insurer's denials were compliant with the requirements in Smith v. Co-operators.

For the remaining treatment plans, the Tribunal dismissed the claims, finding the Applicant failed to provide contemporaneous medical evidence demonstrating that the proposed multidisciplinary, neurological, physiotherapy, and psychological treatments were reasonable and necessary.