The applicant was catastrophically impaired in a motor vehicle accident and sought income replacement benefits (IRB).
The parties disputed the quantum of the IRB, specifically whether collateral benefits (STD, LTD, CPP-D) should be deducted on a gross or net basis, and the calculation of post-65 IRB.
The Tribunal held that deductions for collateral benefits under s. 4 of the Schedule are based on gross income, not net.
The Tribunal ordered the applicant to repay $4,872.90 in overpaid IRB.
Furthermore, the Tribunal found that the applicant's post-65 IRB should be calculated based on the base amount of $400 per week before the ramp-down formula in s. 8(1) is applied, resulting in $122.00 per week, rejecting the insurer's argument that it should be reduced to zero.