Z.A. v. Certas Direct Insurance (17-003297)

The claimant, who was catastrophically impaired in an earlier accident, sought entitlement to NEBs and treatment plans for medical marijuana and osteopathic treatment in relation to a subsequent accident. Adjudicator Go found that the claimant was entitled to the cost of the two disputed treatment plans plus interest, but he was not entitled to NEBs. Adjudicator Go noted that the evidence relied on by the claimant in the claim for NEBs, an OCF-3 by an OT who assessed the claimant once, a two-line report by the family doctor, and the claimant’s oral testimony given at the hearing, was less persuasive than the evidence presented by the insurer, which included IE physiatry and in-home assessment reports which addressed the claimant’s pre- and post-accident activities.

V.A. v. Wawanesa Mutual Insurance Company (17-002948)

The claimant disputed his MIG status; entitlement to payment for treatment; entitlement to payment for examinations and completion of OCF-3s; and entitlement to IRBs. Adjudicator Sewrattan denied all of the claims. The claimant, allegedly suffering from chronic pain, failed to prove that he suffered from an injury not predominantly minor in nature. The expert reports relied upon by the claimant were scant in their descriptions of methodologies used to reach the diagnoses made. The claimant was self-employed at the material time and failed to provide an intelligible basis upon which IRB could be calculated. Although he may be entitled to an IRB, he failed to prove what the weekly rate of the benefit should be. As a result, Adjudicator Sewrattan held his IRB entitlement to be $0 per week.

Applicant v. Certas Home and Auto Insurance (16-003480)

The claimant, who was working as a PSW at the time of the accident, sought entitlement to pre-104 IRBs and a treatment plan proposing a psychological assessment. Adjudicator Reilly found that the claimant was entitled to the cost of the proposed assessment plus interest, but she was not entitled to IRBs. Adjudicator Reilly concluded that the claimant failed to prove that she suffered a substantial inability to perform her pre-accident employment.

F.H. v. Certas Direct Insurance Company (17-003735)

The claimant sought entitlement to treatment outside of the MIG, five treatment plans, and a special award. Adjudicator Sewrattan found that the claimant suffered from Chronic Post Traumatic Pain Syndrome and was entitled to treatment outside of the MIG. Adjudicator Sewrattan preferred the claimant’s expert report over the insurer’s, as the insurer’s report failed to address the claimant’s pre-existing carpal tunnel syndrome and the issue of chronic pain.  Adjudicator Sewrattan found that all of the treatment plans in dispute were reasonable and necessary. Adjudicator Sewrattan held that the claimant was not entitled to a special award as the insurer had not acted unreasonably.

Applicant v. Certas Home and Auto Insurance (17-004509)

The claimant sought entitlement to the cost of three assessments. Adjudicator Fricot concluded that the chronic pain assessment was reasonable and necessary based on the medical evidence showing a reasonable possibility that the claimant suffers from chronic pain. The orthopaedic and neurological assessment were denied due to the lack of relevant symptoms supporting impairments in those areas.

K.W.D. v. Progressive American Insurance Company (17-003705)

The claimant sought entitlement to one treatment plan. Adjudicator Goela found that the treatment plan for physiotherapy was reasonable and necessary. Adjudicator Goela noted that the IE assessor’s acknowledgment that the claimant still required daily stretching and range of motion exercises supported the need for the proposed physiotherapy.

Applicant v. Aviva Insurance Company (17-004394)

The claimant sought entitlement to four medical benefits. Adjudicator Mazerolle found the proposed physiotherapy and chiropractic therapy to be reasonable and necessary based on the persistent nature of claimant’s injuries. An acupuncture treatment plan and a proposed orthotics assessments were denied due to the lack of evidence connecting the claimant’s injuries to the proposed benefits.

Applicant v. Certas Home and Auto Insurance Company (17-005008)

The claimant sought removal from the MIG and one treatment plan. Adjudicator Kepman concluded that the claimant’s back spasm were clinically associated sequelae to a soft tissue injury, and that the claimant was therefore restricted to MIG-level benefits.

M.F. v. Allstate Insurance Company (17-001328)

The claimant sought entitlement to the cost of an attendant care assessment and interest. Adjudicator Kowal dismissed the claimant’s application as the claimant had not incurred the cost of the attendant care assessment. However, Adjudicator Kowal held that in order for an initial s. 25 attendant care assessment to be found payable, five criteria must be met: (1) the claimant’s injuries be outside the MIG; (2) the OCF-18 for an attendant care assessment be submitted to an insurer and compliant with s. 32; (3) the attendant care assessment be incurred; (4) the attendant care assessment and Form 1 be completed by a registered nurse or occupational therapist; and (5) the fees be reasonable as per the Professional Services Fee Guidelines.

A.K. v. Aviva Insurance Canada (16-004622)

The claimant sought entitlement to three disputed treatment plans and the payment of an OCF-3. Adjudicator Anwar found that the claimant was entitled to all three disputed treatment plans but not the cost of the OCF-3. Adjudicator Anwar concluded that the accident aggravated the claimant’s pre-existing chronic back and neck pain and the proposed treatment plans were reasonable and necessary. Adjudicator Anwar held that the 27 minute surveillance video was not sufficient to sway him that the claimant did not have functional limitations and did not suffer from chronic pain. Adjudicator Anwar opined that as the insurer did not provide the surveillance report to its assessors or rely on the report to deny the treatment plans, he did not attach any weight to the surveillance. As for the OCF-3, Adjudicator Anwar concluded that as the insurer did not request the updated OCF-3 and as the OCF-3 did not provide any new information, the insurer was not liable to pay for this expense.