The Applicant was catastrophically injured in a motor vehicle accident and received supplementary attendant care services from her parents and a hospital.
No Form 1 was completed at the time.
Years later, an occupational therapist completed a retroactive Form 1.
The Insurer refused to pay, arguing a Form 1 cannot be retroactive and the expenses were not incurred.
The Arbitrator held that the Schedule does not prohibit a retroactive Form 1 and that the services provided by family and the hospital were 'incurred'.
The Insurer was ordered to pay the attendant care benefits, the cost of the Form 1, interest, and expenses.