The applicant sought statutory accident benefits following a motor vehicle accident.
The insurer denied a treatment plan for physiotherapy and chiropractic services, arguing the applicant's injuries fell within the Minor Injury Guideline (MIG).
The Tribunal found that the applicant's chronic musculoskeletal pain and resulting functional impairment warranted removal from the MIG.
However, the Tribunal dismissed the claim for the $2,675.00 treatment plan, finding the applicant failed to prove it was reasonable and necessary, particularly given medical evidence that facility-based treatment had provided no sustained benefit over four years.
