Applicant v. Aviva Insurance Canada (17-007527)

The claimant sought a determination that her impairments were outside of the MIG and entitlement to medical benefits proposed in three treatment plans. Adjudicator Maleki-Yasdi found that the claimant’s psychological impairment took her outside of the MIG, based on evidence that pre-existing psychological issues were exacerbated by the accident. The claimant was found entitled to payment for physical treatment, a psychological assessment, and psychological treatment.

Applicant v. Unifund Assurance Company (17-006691)

The claimant sought a determination that his impairments were outside of the MIG and entitlement to medical benefits proposed in five treatment plans. Adjudicator Kepman found that the claimant’s injuries fell outside of the MIG and that he was entitled to payment for two treatment plans for chiropractic services as well as the cost of a functional abilities assessment and an in-home assessment. The claimant was found to be outside of the MIG based on pre-existing chronic lymphocytic leukemia that would prevent maximal medical recovery within the MIG limits.

Applicant v. Aviva Insurance Canada (17-007825)

The claimant sought removal from the MIG and payment of various medical benefits. Adjudicator Ferguson concluded that the claimant did not suffer chronic pain, and was therefore restricted to MIG-level benefits. The insurer, and the claimant accepted, that the Tribunal should refer to the AMA Guides in determining whether the claimant suffered chronic pain syndrome. The AMA Guides set out six factors, of which three had to be met for a diagnosis. Adjudicator Ferguson held that the claimant did not suffer at least three of the factors, and therefore did not suffer chronic pain syndrome. The claimant maintained a full time job; he returned to school after the accident; his relationship with his girlfriend was maintained; he continued to drive a vehicle; and he was independent with self-care, housekeeping, and domestic activities.

K.H. v Unifund Assurance Company (17-008686)

The claimant appealed Unifund’s MIG determination due to a pre-existing condition and sought medical benefits for physiotherapy. Adjudicator Ferguson held that the claimant’s pre-existing scoliosis of the upper thoracic spine did not remove her from the MIG because her condition was undetected before the accident, and the claimant provided no evidence that her condition would prevent maximal recovery within the MIG. Further, none of the IE assessors found any evidence of a pre-existing condition that would remove the claimant from the MIG, and the IE reports were not contested by the claimant. The adjudicator also held that the claimant’s evidence did not support a finding of chronic pain because her medical reports did not contain evidence regarding the severity, frequency, and duration of her pain or the functional impacts of her pain complaints.

T.S. v. Aviva General Insurance Canada (17-000835)

The claimant sought reconsideration of the Tribunal’s decision that his injuries fell under the MIG. The Tribunal had concluded that the claimant suffered chronic pain, but that it was “clinically associated sequelae” of the initial “minor injury.” Executive Chair Lamoureux reversed the Tribunal’s decision. She held that the Tribunal’s finding that the claimant suffered from chronic pain was sufficient to deem his impairment more serious than a “minor injury.” She also wrote that chronic pain syndrome could not be “clinically associated sequelae” falling under the MIG. Executive Chair Lamoureux awarded four treatment plans that were initially denied by the Tribunal based on the claimant’s injuries falling within the MIG.

K.J. v Aviva General Insurance (17-006391)

The applicant sought various medical benefits and assessments and argued that his injuries fell outside the MIG. Adjudicator Hamud held that the applicant’s injuries fell within the MIG, and the applicant failed to establish that he could not achieve maximal recovery from within the MIG. The applicant sustained sprain and strains of the spine, shoulder, wrist, and ankle, and had sleep difficulties. The applicant had pre-existing chronic lower back pain. The adjudicator held that there was no compelling evidence to establish that the claimant’s pre-existing lower back pain would prevent maximal recovery within the MIG.

Applicant v RBC Insurance Company (17-005000)

The claimant argued that her injuries fell outside the MIG and sought medical benefits and the costs of examinations. Adjudicator Lake held that the claimant’s injuries fell within the MIG. The adjudicator concluded that there was insufficient documentary evidence, supporting reasons, or analysis to establish that the claimant had cervical radiculopathy. The claimant relied on a report that stated there was some suggestion of a cervical radiculopathy down the claimant’s right side. However, a Nerve Conduction Test was not conducted, which would have been strong evidence of cervical radiculopathy. Adjudicator Lake also noted that a Spurling’s Test was not conducted, which would have also been strong evidence. With regard to chronic pain, the claimant was not diagnosed with chronic pain syndrome, and could not demonstrate that her pain was ongoing or that she was experiencing any functional impairment.

Applicant v. Unifund Assurance Company (17-006581)

The claimant sought removal from the MIG, entitlement to attendant care benefits, and various medical benefits. Adjudicator Reilly concluded that the claimant’s injuries were predominantly minor. She held that there was no evidence that pre-existing high blood pressure would prevent maximal recovery under the MIG; that the claimant did not suffer a psychological disorder; that he did not display symptoms of post-concussive injuries; and did not suffer chronic pain syndrome. She noted that the claimant had not made complaints about most of these alleged conditions to his family physician, and he had returned to work on a full time basis within a few months of the accident. Finally, Adjudicator Reilly noted that while a subsequent accident may have cause non-minor injuries, the claimant had not proven that “but for” the subject accident he suffered a non-minor injury.

Applicant v. Aviva Insurance Canada (17-008093)

The claimant sought removal from the MIG and entitlement to various medical benefits. Adjudicator Ferguson concluded that the claimant suffered predominantly minor injuries. The medical records showed the claimant suffered soft tissue injuries. Though medical imaging two years after the accident showed a tear in the shoulder, no evidence connected the tear to the accident. Further, surveillance of the claimant showed the claimant working and engaging in normal activities of daily living without apparent difficulty.

Applicant v. Aviva Insurance Canada (17-006787)

The claimant sought removal from the MIG and various medical benefits. Adjudicator Parish concluded that the claimant’s injuries fell within the MIG. The claimant’s injuries were clinically associated sequela to the soft tissue injuries she sustained in the accident. Adjudicator Parish preferred the opinion of the IE assessor, who believed that the claimant’s soft tissue injuries were improving. She was critical of the claimant’s experts, who did not consider the effect of a post-accident fall at work and who failed to connect injuries seen on imaging with the accident.