Maria Makarova

The applicant sought statutory accident benefits following a rear-end motor vehicle accident, including ongoing income replacement benefits (IRBs) and various treatment plans.

The Licence Appeal Tribunal dismissed the application, preferring the respondent's insurer examination reports which found no physical, neurological, or psychological impairments preventing the applicant from working.

The Tribunal also noted the applicant's family doctor refused to complete IRB forms due to a lack of ongoing symptoms.

The claims for medical assessments and treatment plans were denied as they were not reasonable and necessary, and had not been incurred.

The applicant was injured in a motor vehicle accident and sought payment for a medical cannabis treatment plan to address chronic neck and back pain and sleep issues.

The respondent insurer denied the treatment plan, relying on a section 44 assessment that concluded cannabis was not reasonable and necessary for chronic pain.

The Tribunal preferred the evidence of the applicant's chronic pain specialist and cannabis clinic physician, finding that the treatment goals of reducing pain were reasonable and likely to be achieved.

The Tribunal ordered the respondent to pay the cost of the treatment plan, plus interest on the overdue amount.

The applicant was injured in a motor vehicle accident and sought income replacement benefits (IRBs) for a six-month period during which the respondent insurer had terminated them.

The adjudicator found that the applicant, who worked as a personal support worker at two locations prior to the accident, suffered physical impairments that rendered her substantially unable to perform the essential tasks of her employment.

Relying on the applicant's medical evidence, including reports from her family doctor and specialists, the adjudicator ordered the respondent to pay the IRBs with interest.

However, the applicant's request for an award under Ontario Regulation 664 for unreasonable delay was denied, as the respondent had actively assessed the file and relied on its own medical assessors.