Case Summary

The applicant was injured in a motor vehicle accident and sought statutory accident benefits from the insurer. The insurer denied several benefits, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG). The arbitrator found that the applicant had developed chronic pain syndrome and psychological impairments, removing his injuries from the MIG. The arbitrator awarded medical benefits for physiotherapy and transportation expenses. The applicant was also awarded income replacement benefits for the pre-104-week period, as he suffered a substantial inability to perform his pre-accident job. However, the claim for post-104-week income replacement benefits was dismissed, as the applicant failed to prove a complete inability to engage in any suitable employment. The claim for a special award was also dismissed, as the insurer had not unreasonably withheld payments.