The applicant's husband fell from his wheelchair while disembarking from a transit van, sustaining a concussion and severe back pain.
Due to the uncontrolled pain from the fall, he refused his life-sustaining dialysis treatments and subsequently died.
The applicant sought death and funeral benefits under the Statutory Accident Benefits Schedule.
The Licence Appeal Tribunal applied the 'but for' causation test and found that the fall directly caused the uncontrolled pain, which in turn caused the refusal of dialysis and resulting death.
The Tribunal ordered the insurer to pay the death and funeral benefits.