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Non-earner benefit denied due to post-accident accomplishments; chiropractic treatment plan approved for pain relief.
The applicant sought a non-earner benefit (NEB) and a medical benefit for chiropractic services following a motor vehicle accident.
The insurer denied the NEB on the basis that the applicant did not suffer a complete inability to carry on a normal life, and denied the medical benefit as not reasonable and necessary.
The adjudicator found that the applicant was not entitled to the NEB, as she had successfully returned to school and secured full-time employment post-accident, demonstrating an ability to engage in substantially all of her pre-accident activities.
However, the adjudicator found the proposed chiropractic treatment plan to be reasonable and necessary for pain relief, noting that the applicant's symptoms had improved with similar past treatment.
The medical benefit was granted with interest.
