The applicant sought statutory accident benefits following a motor vehicle accident. The adjudicator found that the applicant should be removed from the Minor Injury Guideline due to chronic pain with functional impairment. However, the applicant was not entitled to a non-earner benefit because he did not suffer a complete inability to carry on a normal life, as he continued to work part-time and perform some daily activities. The adjudicator approved several treatment plans for physiotherapy and an in-home assessment because the insurer failed to provide valid denial notices under s. 38(8) of the Schedule. Claims for a chiropractic examination, an award, and costs were dismissed.
Licence Appeal Tribunal File Number: 23-005141/AABS
In the matter of an application pursuant to subsection 280(2) of the [Insurance Act](https://www.canlii.org/en/on