The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied two treatment plans and the applicant applied to the Tribunal after the standard two-year limitation period.
The Tribunal held a preliminary issue hearing to determine if the claims were statute-barred.
Applying the Smith test, the Tribunal found the denial for the physiotherapy plan was clear and unequivocal, triggering the limitation period, and declined to extend it under section 7 of the LAT Act.
However, the denial for the chiropractic plan was found deficient and boilerplate, failing to trigger the limitation period.
The applicant was permitted to proceed with the chiropractic claim but barred from the physiotherapy claim.