The claimant appealed the denial of her continuing Long Term Income Protection (LTIP) benefits.
The insurer terminated benefits at the change of definition date, asserting she could perform sedentary work despite her chronic back pain and degenerative disc disease.
The arbitrator upheld the appeal, finding that the medical evidence, including an Independent Medical Examination noting a 20-minute sitting and standing tolerance, did not establish an ability to perform sedentary work.
The arbitrator concluded that a functional abilities evaluation should have been conducted and remitted the matter of ongoing compensation to the parties.