The Applicant was injured in a motor vehicle accident and sought various statutory accident benefits.
The Insurer terminated Income Replacement Benefits, Housekeeping and Home Maintenance Benefits, and denied several treatment plans and assessments.
The Applicant applied for arbitration, and the Insurer raised a preliminary issue that the claims were statute-barred due to the expiry of the two-year limitation period.
The Arbitrator found that the Insurer provided valid termination notices for the Income Replacement Benefits, Housekeeping Benefits, and Dr. Houston's treatment plan, making those claims statute-barred.
However, the Arbitrator found that the Insurer failed to provide sufficient reasons for denying the Social Work and Psychological Assessments, rendering those denials invalid and allowing the Applicant to pursue them at arbitration.