Print

 

 Volume. 8 Issue. 19 – May 22, 2024


This week’s edition features a deep dive into an Applicant’s claim seeking a CAT determination in accordance with Criterion 8, in addition to ongoing post 104 IRB. The comparisons as between the parties experts reports is instructive, as is a discussion as to the utility, or lack thereof found in a total of 23 days of surveillance.



SABS Summer Session!

Secure your seat for inHEALTH’s 2024 Summer Virtual Training session!

  • SABS Expedited: June 17th – 21st, 2024

*Eligible Participants receive 9 Substantive – CPD hours upon course completion

Course details & register here +



Four Marked Impairments CAT and Post 104 IRB Confirmed

Battle of the Experts – Injured in a June 2017 accident, the Applicant Dyer sought a CAT determination, in addition to post 104 IRB from January 2022 ongoing. In 22-008237 v Economical, Dyers assessors opined that he suffers from a marked impairment in all four areas of functioning. Conversely, the assessors for Economical concluded that Dyer sustained a mild impairment in ADLs and CPP and a moderate impairment in SF and adaptation. Ultimately, the Tribunal agreed with Dyer’s assessors that he had sustained a CAT impairment and that he was entitled to post 104 IRB ongoing.

The Tribunal noted that June 2022 was the second assessment performed by Dyer’s assessors, Levitt/Patar, with the first in April 2022 having the benefit of a fulsome document review by the assessor, with consideration for the Dyer’s self-reported functionality and failed attempts to return to work, and a collateral interview. This contrasted with Economical’s expert, who met with Dyer the one time only for approximately 90 minutes, with no collateral interviews. Noting that Dyer had produced an invalid profile in the Personal Assessment Inventory, it was however confirmed that Dyer had “indicated a desire to get the test over with and a lack of attention to inputting accurate information… inability to persist through the testing rather than an attempt to skew the test results.”

Activities of Daily Living (ADL)

The Tribunal found that Dyer Applicant suffers a marked impairment with respect to activities of daily living, with his experts’ report confirming that he “is generally inactive with respect to his daily functioning as a result of his psychological disorders… rarely leaves his home and engages very little in terms of daily activity, spending much of his time alone or resting.” In addition, his participation in social and recreational activities has also diminished significantly. Periodic examples of engagement in physical activities was not inconsistent with a finding of a Marked impairment, as the underlying issue is the fact that “on the rare occasions when he does engage in physical activity, he has a detrimental impact upon him for a time thereafter that is disproportional to the energy exerted.”

The Tribunal further found that 23 days of surveillance confirmed a low level of activity. However, none of the surveillance showed the aftermath of the physical activity. The expert report for Economical was “less persuasive because it overstates the Applicant’s independence with ADLs…concluded that the Applicant suffers from a mild impairment in this sphere, but the evidence in the report and in the testimony before me fails to indicate that his impairment is compatible with most useful functioning.”



Social Functioning

In Dyer’s experts’ report, he was described as “insulative since the accident and experiences a pervasive depressive loss of interest in socializing”. Dyer’s “inability to communicate adequately was displayed during testimony. Towards the end of his multi-hour testimony, the Applicant’s use of profanities increased and his ability to filter himself appeared to decrease as well. Further, as the time went on, it appears as though the Applicant’s participation decreased and his answers in cross-examination became shorter and shorter as if he cared more about getting the process over with than answering accurately. This is consistent with Dr. Levitt’s conclusion regarding the Applicant’s participation in psychometric testing – that he became careless and focused on getting the task over with rather than being accurate.”

With respect to Economical’s expert report, it was found that it “places too much weight on the Applicant’s ability to be polite and courteous during the assessment in a controlled environment… highlighted that the Applicant’s social communication skills were appropriate within the structured setting but failed to fully consider his drastic decrease in socialization and inability to communicate outside of a structured setting”. Once again, surveillance did not upset the conclusion, as while in one instance Dyer was somewhat active for over three hours, “what is remarkable is that the surveillance continued for about an hour and a half following the event and never observed the Applicant engaging in any further activity and no surveillance was conducted later that evening or the following day to observe the aftermath of the Applicant’s participation in the event… surveillance the following day captured no physical activity, in keeping with the Applicant’s accounts that he is laid out after engaging in physical activity.”

Concentration, Persistence, and Pace

The experts for Dyer confirmed that he “is fearful of exacerbating pain and balance issues and is therefore avoidant of leaving his home and engaging in certain tasks… cognitive difficulties impact his ability to reliably attend appointments and multi-task. The report also notes that the Applicant is unable to complete tasks reliably, precluding him from meaningfully engaging in work or hobbies”. Dyer’s “discomposure/degradation during testimony is also indicative of his impairment in CPP.” His performance “demonstrated signs of fatigue and decomposition…he became more defiant and used inappropriate language more frequently as the process went on, and at one time crassly commented that he was experiencing incontinence during the process but chose not to do anything about it in order to avoid prolonging the process. I agree with the Respondent that the Applicant never asked for breaks during the process; however, I find that this behaviour is consistent with his get-it-over-with attitude. Such behaviour demonstrates that the Applicant is unable to persist in stressful situations.”

Economical’s expert also noted that Dyer’s “poor emotional regulation could result in workplace conflict, amotivation, and/or avoidance or withdrawal and that his cognitive difficulties could lead to poor decision-making, increased errors, and decreased task efficiency.” Despite this, it was opined that the impairment was merely mild, hence compatible with most useful functioning, with which the Tribunal could not agree in light of the evidence provided.

Adaption

Dyer’s experts concluded that he “could not be relied upon to engage in any consistent activity reliably and independently and attempting to do so would result in further significant deterioration from a psychological perspective… pain has become entrenched and highly distressing, contributing to avoidance behaviours resulting in significant functional impairment…his highly pain avoidant behaviour that causes him to spend days or weeks laid out and doing nothing.”

Economical relied upon a specific instance wherein Dyer “was able to respond to a random event when a neighbour appeared at his front door, bleeding profusely due to a knife attack.. the Applicant was functional enough to assess the situation and apply pressure to the wound until medical attention arrived – effectively saving the neighbour’s life.” However, the Tribunal noted that “ marked impairment results in a significant impediment of useful functioning not a total impediment of useful functioning”. Economical’s expert found a moderate impairment, given Dyer’s “calm and organized mental state and ability to follow simple instructions and maintain attention during the assessment. Yet, the Applicant’s demeanor during the structured assessment is not the sole source of information and should not be given the weight that the assessor appended to it.

With the finding of four Marked impairments, Dyer more than satisfied the criteria for CAT under Criterion 8.

Post 104 IRB

The Tribunal found that Dyer “does not have the requisite stress tolerance to engage in any employment or self-employment for which he is reasonably suited”. Even Economical’s expert “who generally downplayed the level of the Applicant’s impairments, found that the Applicant has impaired stress tolerance that seems to cause withdrawal or a worsening of symptoms.” Dyer’s expert confirmed that his “emotional dysregulation precludes him from engaging in any employment…the Applicant’s poor emotional regulation could result in workplace conflict, amotivation, or withdrawal.”

An expert for Economical “acknowledged that the Applicant was diagnosed by Dr. Parekh with a Somatic Symptom Disorder with Predominant Pain in October 2018, but never clearly addresses why such a diagnosis is not currently present in the report. I find Dr. Sethi’s failure to address whether the Applicant suffers from a pain disorder undermines the overall persuasiveness of the report.” Accordingly, Dyer was “significantly impaired from a mental and behavioural aspect and that the impairment is of such significance that he is unable to engage in employment or self-employment that he is reasonably suited”.



Access inHEALTH’s research resources through Live Chat and receive your OAR. Get It now!

 

Archive of LAT Updates

December 18, 2024: Applicant Successful in CAT Case Where Respondent’s Expert Unavailable

CAT

December 16, 2024: Applicants Lose on Flawed Interpretation of the Schedule

MIG

December 11, 2024: Court Sends Paraplegic Matter Back to Tribunal re “Accident”

Definition Accident, Divisional Court, Reconsiderations

December 9, 2024: Pre-Existing Conditions MIG Escapes?

MIG

December 4, 2024: Court Remits $770K Award Worthy Matter Back to Tribunal

Award, Divisional Court, IRB

December 2, 2024: GP Questionnaire Does Not Trigger MIG Escape on Pre Existing

MIG

November 27, 2024: Court Remits $200K Award Worthy Matters Back to Tribunal

Award, Divisional Court, IRB

November 25, 2024: Pre-Screen Not Psychological Diagnosis

MIG

November 20, 2024: IE Not Reasonable or Necessary – No to CAT & IRB

CAT, IRB, Procedure

November 18, 2024: No Evidence Pre-Existing Conditions Prevent MMR

MIG

November 13, 2024: Applicant’s Explanation for Delayed Application Found Reasonable

Procedure

November 11, 2024: GP Concussion Diagnosis Accepted as Legitimate

MIG

November 6, 2024: Court Remits “Unsafe” Decision Back for Rehearing

CAT

November 4, 2024: Submissions Do Not = Evidence

MIG

October 30, 2024: Court Remits “Unsafe” Decision Back for Rehearing

CAT, Divisional Court

October 28, 2024: IE Fails to Explain Lack of Diagnosis

MIG

October 23, 2024: Loose Lid Unexpected "Accident"

Definition Accident

October 21, 2024: Dental Work Required Not Caused by MVA

MIG

October 7, 2024: Continuity of Complaints Confirm Chronic Pain

MIG

October 2, 2024: All Items in Dispute Deemed Incurred

Treatment Plans

September 30, 2024: Ignoring Medical Evidence Proves Award Worthy

MIG

September 25, 2024: Credibility Issues Abound with IE Assessor

IE

September 23, 2024: Reliance on Symptom Magnification Test Proves Fatal

MIG

September 16, 2024: Self Reporting Accepted for Psych MIG Escape

MIG

September 9, 2024: Diagnosis Alone Falls Short in Chronic Pain Case

MIG

September 4, 2024: CAT Finding Upheld on Reconsideration

CAT, Reconsiderations

August 28, 2024: Staged MVA Results in $93K Repayment Order

Definition Accident, Evidence

August 26, 2024: What Exactly Constitutes “Compelling” Evidence?

MIG

August 21, 2024: Extreme Impairment Confirmed in CAT Decision

CAT

August 19, 2024: Post Concussive Syndrome Diagnosed in Telephone Interview

MIG

August 14, 2024: Reconsideration Varies Decision Regarding “Accident”

Definition Accident, Divisional Court

August 12, 2024: Adverse Inference Considered in MIG Determination

MIG

August 7, 2024: Re-Training Not A Viable Option - Post 104 IRB Confirmed

IRB

July 31, 2024: Applicants Allowed to Proceed to Hearing Despite Alleged Non – Compliance

Insurer’s Examinations, Procedure

July 29, 2024: No Specific Reference to Evidence Precludes MIG Escape

MIG

July 24, 2024: When is a Spouse Not a “Spouse”?

Death Benefit

July 22, 2024: No Evidence Tendered to Rebut Concussion Diagnosis

MIG

July 17, 2024: 196K Grievance Award Factored into IRB Calculation

IRB

July 15, 2024: Chronic Pain Diagnosis Does Not Warrant MIG Escape

MIG

July 10, 2024: Court Allows Applicant to Submit Judicial Review After the Fact

Divisional Court

July 8, 2024: MIG Escape Despite Unrelated Psych Issues

MIG

July 3, 2024:Application Premature On Benefits Claimed in Excess of Limits

Award, CAT, Jurisdiction

June 26, 2024: Multiple Wilful Misrepresentations Claimed but Only One Established

IRB

June 24, 2024: Chronic Pain Diagnosis 4 Years Later Uncontroverted

MIG

June 19, 2024: Court Sets Aside Tribunal Decision and Makes Decision that Ought to Have Been Made

Definition Accident, Divisional Court

June 17, 2024: Cause of ‘Remote’ Finger Fracture Questioned

MIG

June 10, 2024: Reliability on IE Opinions Challenged

MIG

June 5, 2024: IE 'Highly Intrusive' - Not Acceptable Reason For Failure To Attend

Insurer's Examinations

June 3, 2024: MVA Necessary Cause of Subluxation of Shoulder Joint

MIG

May 29, 2024: Practicing Lawyer Seeks CAT Determination

CAT

May 27, 2024: Differing Opinions on Right Knee Injury Causation

MIG

May 22, 2024: Four Marked Impairments CAT and Post 104 IRB Confirmed

CAT, IRB

May 15, 2024: Court Confirms Three Breaches of Procedural Fairness by Tribunal

Div Court

May 13, 2024: Little Weight Given to Illegible Doctor's Notes

MIG

May 8, 2024: Reasonable Perception of Bias Involving Former Adjudicator Requires Rehearing

Reconsideration

May 6, 2024: Potential Causation Does Not Support MIG Escape

MIG

May 1, 2024: Tribunal Varies Three Decisions on Reconsideration

Reconsideration, Treatment Plans

April 29, 2024: Credibility of Assessment Favored Over Psych Validity Testing

MIG

April 24, 2024: Wilful Misrepresentation Abounds on IRB Repayments

IRB

April 22, 2024: Records Alone Do Not Warrant MIG Removal on Pre-Existing

MIG

April 15, 2024: Demands of Child-birth Pre-Existing Condition?

MIG