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.

Applicant v. Aviva Insurance Canada (17-006157)

The claimant sought removal from the MIG and entitlement to five treatment plans. Adjudicator Boyce concluded that the claimant’s injuries were minor. Adjudicator Boyce held that the claimant failed to provide evidence of chronic pain and that pain lasting more than six months was not sufficient proof for removal from the MIG. He also held that the claimant did not suffer a psychological impairment, preferring the IE assessor’s conclusions that there was no objective evidence of a DSM-5 diagnosis.

Applicant v. Aviva Insurance Canada (17-006159)

The claimant sought removal from the MIG and entitlement to five treatment plans. Adjudicator Boyce concluded that the claimant’s injuries were minor. Adjudicator Boyce held that the claimant failed to provide evidence of chronic pain and that pain lasting more than six months was not sufficient proof for removal from the MIG. He also held that the claimant did not suffer a psychological impairment, preferring the IE assessor’s conclusions that there was no objective evidence of a DSM-5 diagnosis.

Applicant v. Pembridge Insurance Company (17-005315)

The claimant sought removal from the MIG and entitlement to chronic pain treatment. Adjudicator Grant dismissed the claims. He accepted the opinions of the IE assessors that the claimant had normal physical functional limits and that no diagnosable psychological condition was demonstrated.

Applicant v. Royal Sun Alliance (RSA) (17-006236)

The claimant sought entitlement to two years of IRBs, removal from the MIG, and six treatment plans. Adjudicator Punyarthi concluded that the claimant sustained a concussion and that his injuries were therefore not minor. All of the disputed treatment plans were awarded because they directly addressed the impairments the claimant was suffering. Finally, Adjudicator Punyarthi awarded IRBs on the basis that the claimant could not complete the essential tasks of his employment as a produce clerk at a grocery store.

Applicant v. The Guarantee Company of North America (17-004431)

The claimant sought entitlement to treatment outside of the MIG, and NEBs. Adjudicator Gosio held that the claimant’s injuries fell within the MIG. Adjudicator Gosio held that while the claimant had pre-existing back pain, she failed to submit compelling evidence that her pre-existing back pain prevented her from achieving maximal medical recovery within the MIG. With respect to NEBs, Adjudicator Gosio held that while the claimant demonstrated that there were some changes in her post-accident life with respect, she failed to establish that those changes amounted to her being continuously prevented from engaging in substantially all of her pre-accident activities.

Applicant v. Certas Home and Auto Insurance Company (17-006967)

The claimant sought a determination that her impairments were outside of the MIG as well as entitlement to medical benefits proposed in two treatment plans. Adjudicator Parish found that the claimant was removed from the MIG as a result of the insurer’s failure to comply with the “medical and all other reasons” requirement in s. 38(8) of the SABS. The incurred psychological assessment in dispute was found payable pursuant to s. 38(11) of the SABS. Adjudicator Parish found the proposed psychological treatment to be reasonable and necessary. The claim for a Special Award was denied.

Z.V. v Aviva Insurance Canada (17-006874)

The claimant sought treatment outside of the MIG, entitlement to a disputed chiropractic treatment plan, a special award, and interest. The claimant argued that she had been removed from the MIG as the insurer had approved previous treatment plans above the MIG limits. The insurer, however, claimed that these approvals were an administrative error, and not an admission that the claimant fell outside of the MIG. Adjudicator Purdy agreed with the insurer, and held that payments above MIG limits due to administrative errors did not result in a claimant being automatically removed from the MIG. Adjudicator Purdy further held that the claimant’s injuries warranted treatment within the MIG, and denied entitlement to the benefits sought or the granting of a special award.