Applicant v. Aviva Insurance Canada (17-005672)

The insurer denied entitlement to medical benefits for chiropractic services and the cost of a psychological assessment based on its finding that the claimant’s injuries fell within the MIG. Adjudicator Kepman held that the claimant’s injuries fell within the MIG and therefore the treatment plans at issue were not payable. The claimant argued that a knee injury excluded her from the MIG; however Adjudicator Kepman found there was no evidence of that injury in the medical records until two years after the accident and therefore no causal connection could be found between the accident and the injury.