The insurer brought a motion seeking an order requiring the plaintiff to undergo a capacity assessment under the Substitute Decisions Act and requesting that income replacement benefits be paid into court pending the assessment.
The plaintiff opposed the motion and sought direct payment of benefits.
The court considered the statutory presumption of capacity and the factors governing intrusive capacity assessments under s. 105 of the Courts of Justice Act.
Although medical reports documented chronic pain, depression, and psychological symptoms, the evidence did not establish a sufficient basis to believe the plaintiff lacked capacity.
The motion was dismissed and the insurer was ordered to resume payment of outstanding income replacement benefits.