Applicant v. Co-Operators Insurance Company (17-006513)

The claimant sought medical benefits outside of the MIG and interest on the overdue payment of benefits. Adjudicator Ferguson held that the claimant’s injuries fell within the MIG and dismissed the claimant’s application. Adjudicator Ferguson relied on the claimant’s self-reporting to conclude that the claimant did not have a credible psychological injury arising from the accident. Adjudicator Ferguson noted that the claimant’s own words in examination were “powerful evidence” in determining whether the claimant’s claimed psychological issues were credible. Adjudicator Ferguson also concluded that the claimant had failed to prove that she suffered from chronic pain syndrome because her self-reports were contradictory and non-credible.

B.A. v Certas Direct Insurance Company (17-004796 and 17-004801)

The claimant was involved in two motor vehicle accidents and appealed Certas’ MIG determination for each accident. The claimant also sought medical benefits for physiotherapy for the first accident and chiropractic services for the second accident. Adjudicator Cavdar held that the claimant’s injuries for each accident fell within the MIG. The claimant suffered soft-tissue injuries as a result from the first accident. While the claimant argued that she suffered a psychological injury, her only evidence was a note of emotional disturbance by a physiotherapist, and her self-report to an IE physiatrist that she had a fear of driving. The adjudicator further held that the claimant suffered soft-tissue injures as a result from the second accident, and there was no evidence of a psychological injury except for the claimant’s self-report of anxiety. The adjudicator also held that the claimant did not submit compelling medical evidence to detail how a pre-existing condition would remove her from the MIG for the second accident.

Applicant v. Aviva Insurance Canada (17-003597)

The claimant sought entitlement to medical benefits outside of the MIG, costs of a psychological examination, a special award, and interest. On the basis of the evidence presented by both parties, Adjudicator Hans held that the claimant’s injuries fell within the MIG. The claimant also failed to prove that an earlier motor vehicle accidents and a workplace injury constituted pre-existing conditions that should remove the claimant from the MIG. Adjudicator Hans further concluded that neither a special award nor interest were not warranted.

Valerio v. Security National (2018 ONSC 2395)

The claimant sought judicial review of the LAT’s decision that his injuries fell within the MIG, and that two treatment plans were not payable. The Court upheld the Tribunal’s decision, concluding that it fell within the range of possible acceptable outcomes, and was therefore reasonable. The Court also held that the Tribunal’s decision regarding the sufficiency of the insurer’s denials was correct and that the denials occurred within 10 days. It does not appear that the claimant first sought reconsideration before applying for judicial review.

Applicant v. RBC Insurance (17-005761)

The claimant sought entitlement to treatment outside of the MIG, various medical benefits, and a special award. The claimant argued that her psychological impairments took her outside of the MIG. Adjudicator Ferguson weighed the medical evidence and determined that the claimant did not suffer a psychological injury that would warrant removal from the MIG. As a result, Adjudicator Ferguson held that the claimant was not entitled to the benefits claimed, or to a special award.

Applicant v. Certas Home and Auto Insurance Company (17-005145)

The claimant disputed his MIG status; entitlement to a medical benefit for physiotherapy treatment; and interest on overdue payment of benefits. Adjudicator Norris rejected that the claimant suffered a psychological injury as a result of the accident, finding that the evidence of psychological injury relied upon by the claimant was inconsistent with the entire rest of the claimant’s medical record. Further, the claimant failed to adduce evidence sufficient to establish that a pre-existing finger fracture prohibited him from recovering within the MIG limit. Adjudicator Norris held that the claimant suffered a minor injury within the meaning of the Schedule and is subject to the MIG funding limit. Entitlement to the medical benefit in dispute was rejected as a result.

Applicant v. Aviva General (17-005134)

The claimant disputed his MIG status and entitlement to medical benefits for payment of chiropractic treatment. Adjudicator Driesel denied all of the claims. The claimant failed to provide compelling medical evidence to establish that maximal medical recovery could not be reached within the MIG limit. He sustained sprain and strain injuries as a result of the accident and returned to physically demanding work on modified duties one week after the accident. The LAT preferred the evidence of the insurer’s experts over the claimant’s assessor. He was not entitled to the medical benefits in dispute because he exhausted funding under the MIG.

J.B. v. Coseco Insurance Company (17-005803)

The claimant sought removal from the MIG and entitlement to medical benefits. Adjudicator Ferguson held that the claimant suffered minor injuries and was restricted to MIG level benefits. He concluded that the claimant’s rheumatoid arthritis was not caused by the accident, but was instead an unrelated degenerative disease. He also rejected the position that the claimant suffered a pre-existing condition that would prevent recovery under the MIG.

M.B. v. Travelers (17-003671)

The claimant sought removal from the MIG and entitlement to psychological and physical assessments and treatment. The claimant had a pre-accident medical history relevant for depression and anxiety stemming from infertility issues. Adjudicator Hines concluded that based on the medical records and the evidence of the s. 44 and s. 25 assessors, the claimant’s pre-existing depression and anxiety did not prevent her from reaching maximum medical recovery under the MIG. Adjudicator Hines noted that the claimant had not demonstrated that the accident worsened and/or exacerbated her depression and anxiety. Adjudicator Hines preferred the evidence of the IE assessor to that of Dr. Shaul, s. 25 assessor, as Dr. Shaul’s medical reports contained inconsistencies and because she found Dr. Shaul’s reports unreliable, as Dr. Shaul never actually met the claimant. Adjudicator Hines concluded that the claimant’s injuries fell within the MIG, the disputed psychological assessment and treatment was not payable, and the disputed physical treatment was payable only up to the amounts remaining in the MIG limits.

Applicant v. Aviva Insurance Canada (17-004325)

The claimant sought a declaration that her injuries were not predominantly minor injuries to be treated within the MIG, as well as entitlement to medical benefits for treatment. Adjudicator Watt held that the claimant was not entitled to any of the relief sought. The applicant failed to adduce any medical evidence to indicate that her injuries fell outside of the MIG. The claimant also failed to adduce evidence to address the stated goals of the treatment plans at issue and how the plans would achieve those goals. As such, there was no evidence to show that the treatment plans were reasonable and necessary.