Print

 

  MIG Update – January 13, 2025



A Brain Contusion is Not Enough for a Concussion Diagnosis

This week, a MIG hold case where the Tribunal considered the Applicant’s evidence that a diagnosis of a cerebral contusion represents intracranial pathology which together indicate a traumatic brain injury as a result of the subject accident.

With 1700+ MIG decisions determined by the LAT so far… we provide research support that gives you answers.



Virtual Training – New – Upcoming Sessions!

Secure your seat for inHEALTH’s 2025 Winter Virtual Training session!

  • BI Fundamentals: January 20th – 24th, 2025
  • SABS Expedited: February 10th – 14th, 2025

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

Course details & register here +


In Marcelo v. The Personal Insurance Company (22-009313), Flordeliza Marcelo was involved in a motor vehicle accident on August 29, 2019 and sought entitlement to three Treatment Plans for physiotherapy, neuropsychological assessment, and a chronic pain assessment. She claimed that she should not be held within the MIG due to a concussion, chronic pain, and a pre-existing impairment that prevented her from achieving maximal recovery.

With respect to the concussion/brain injury Marcelo submitted that family physician Dr. El-Kateb, diagnosed a concussion. She relied on the Ambulance Call Report, which stated that she lost consciousness, had no memory of the accident, and complained of pain to her forehead, left side of her neck and right knee. Relying on the definitions in two medical dictionaries and a reference to an excerpt from a medical article, Marcelo submitted that a brain contusion diagnosed by the ER physician, Dr. Yeung, is a serious form of traumatic brain injury. Further, in her affidavit, her daughter stated that she observed cognitive changes in her mother after the accident.

Marcelo relied on psychologist Dr. Davidson’s July 2022 OCF-18 for a neuropsychology assessment, as well as a November 2022 letter from Dr. L. Becker and Dr. H. Becker, which stated that the left frontal cerebral contusion “represents intracranial pathology as a result of the accident” and that she “sustained a traumatic brain injury as a result of the accident.”

The Personal argued that Marcelo suffered soft tissue issues that disappeared within three months of the accident. It submitted that there was never a formal diagnosis of a concussion by any of her treating physicians, and she was never referred to a specialist for head-related complaints. Further that the medical literature referred to by Marcelo was irrelevant, and an attempt at diagnosing a brain injury that her family doctor never did. It submitted that the OCF-18 by Dr. Davidson was not evidence and that as a psychologist, she was not qualified to diagnose a brain injury. The letter from Doctors Becker should be given no weight as it is not supported by the medical records and is not objective medical evidence since the clinic they work for will benefit financially from providing services to Marcelo beyond the MIG. Lastly, Marcelo’s daughter’s affidavit should be given no weight since she is not a doctor and the affidavit is not objective medical evidence.




The Tribunal found:

    • “Firstly, a “minor injury” as defined in section 3(1) expressly includes a “contusion”. The word “contusion” is not limited in the Schedule. In other words, a contusion includes all types of contusions, including a brain contusion. The CT scan showed, and Dr. Leung opined that there was a cerebral contusion. Accordingly, I find that the applicant’s cerebral contusion is a “contusion” within the meaning of “minor injury”.
    • The family physician Dr. El-Katab did not diagnose Marcelo with a concussion and nor did the Ambulance Call Report state that she lost consciousness in the accident. Rather, the CNRs indicated that Marcelo told Dr. El-Katab that she was diagnosed with a concussion. Nor was there evidence that someone else had diagnosed her with a concussion.
    • After September 2019 (approximately three weeks post accident) Marcelo did not report any further head-related issues to Dr. El-Kateb despite seeing her on a regular basis.
    • The notes of both physiotherapist Ms. Sookmangal, and RMT Ms. Villarosa did not support the finding of a concussion or concussion symptoms, only a report of pain to the cervical spine which improved over time.
    • The November 2022 letter from Drs. Becker was not persuasive, since their diagnosis of a traumatic brain injury was made more than three years after the accident, and they never examined Marcelo. Their opinion was based on a review of a “medical brief.” However, there was no explanation of what was in the medical brief, and they did not explain why their diagnosis should be preferred over Dr. Leung’s finding of a cerebral contusion.
    • The affidavit of Marcelo’s daughter was dated nearly four years after the accident and the noted observations were very brief and general.

Our MIG Monday series discusses the multitude of factors to consider when evaluating a risk position on MIG cases. The Tribunal has ruled on the MIG in 33% of the decisions so far. Each case is nuanced, but with similar factors.

Inform your position & present persuasive arguments. Include an Outcome Analysis Report (OAR) in your case evaluation complete with For/Against cases. Get an OAR!

 

Archive of LAT Updates

January 29, 2025: Application Lost in the Mail Deemed as Received?

Procedure, SABS

January 27, 2025: CNR’s + Imaging Determinative of Complete Shoulder Tear

MIG

January 22, 2025: Court of Appeal Upholds Divisional Court Decision

Divisional Court, NEB, Reconsideration

January 20, 2025: GP’s Diagnosis of “Head Injury” Prevails

MIG

January 15, 2025: Tribunal Accepts Neither Expert in Awarding Pre But Not Post 104 IRB

IRB

January 13, 2025: A Brain Contusion is Not Enough for a Concussion Diagnosis

MIG

January 9, 2025: Court Awards $69K in Costs for Apparent Miscarriage of Justice

Divisional Court,Costs

January 6, 2025: Corroborative Evidence Not Necessarily Required in Psych Diagnoses

MIG

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