LAT Satisfaction

This recent and affirming LAT decision finding $8 K in costs for the claimant related concludes with a statement that we hope insurers take to heart:

“ since [the claimant] demonstrated that she was trying to cooperate with the [insurer’s] request, [Security National] should have showed more leniency rather than automatically holding her in non-compliance.”

If only that stance were not so commonplace….


Auto insurer hit with $8K cost award for not replying to insured’s correspondence

May 3, 2021   by David Gambrill


Ontario’s Licence Appeal Tribunal (LAT) has ordered a cost award of $8,598.95 against Security Na


tional Insurance Company for failing to confirm receipt of an auto accident victim’s disability certificate and then not replying to her follow-up correspondence for more than a year.

“The [auto insurance] applicant is a vulnerable individual because she was injured in an accident,” LAT adjudicator Rebecca Hines wrote in A.J. v. Security National Insurance Co., released Apr. 30. “I am not commenting on whether she met the test for entitlement to NEBs [non-earner benefits] when the updated OCF-3 [disability certificate] was submitted, as no evidence is before me to confirm same.

“However, the OCF-3, which the [insurer] ignored, supported that she suffered a complete inability to carry on a normal life, which is a serious impairment. The [insurer] should have taken the OCF-3 more seriously and had a duty to respond promptly.”


Read the full article at the link below:

Auto insurer hit with $8K cost award for not replying to insured’s correspondence

Insurance provider used secret video surveillance to wrongly accuse injured woman of fraud

Undercover surveillance used by insurers across the country despite poor conviction rates, experts say


Injured woman secretly videotaped by insurer, then wrongly accused of fraud. An Ontario woman was secretly followed and videotaped by the organization that should have been helping her recover from a workplace injury. Instead, Ontario’s Workplace Safety and Insurance Board tried to use the videos to discredit her. Experts say all kinds of insurers use covert surveillance to intimidate claimants or discredit claims.

Full Article:

Concussion Research Symposium





The Canadian Concussion Centre’s 8th Annual Concussion Research Symposium

Date Friday, February 26, 2021




For More Information:
Email [email protected]



Ø  Exercise as a treatment for concussion and persistent symptoms

Ø  Tele-therapy treatment of persisting concussion-related mental health disorders

Ø  Headache treatment

Ø  Vestibular physiotherapy treatment for concussion

Ø  Pediatric patients

Ø  Research into Canada’s first school-based concussion curriculum

Ø  Prevention of concussion

Ø  Update on pathological findings after repetitive concussions

Ø  Update on biomarkers for CTE

Ø  Recent research into the imaging of concussion and persisting symptoms

FSRA Priorities Submission

Submitted: October 26, 2020

The Ontario Rehab Alliance (ORA) is highly supportive of FSRA’s stated priorities for 2021-22. This submission will comment primarily on broad-strokes intentions and hoped-for outcomes.

At the Cross Sectoral level, we believe that all four priorities: Protect the Public Interest, Enable Innovation, Modernize Systems and Processes, and Transition to Principles Based Regulation may be harnessed to drive improvement to the auto insurance sector.

The ORA has made a number of previous submissions, along with other HSP associations, that reference our keen support for modernized systems and processes, and have offered multiple examples and specific suggestions of how and where we see the greatest need for these. As Principles-Based Regulation is a new form in Ontario’s regulatory environment we find it challenging to forecast how this transition might change our operations or the experience of our injured clients, so have focused our remarks elsewhere.

Read the rest in the attached PDF submission

ORA Commentary 2021-22 Priorities

Participants Needed: University of Toronto & OAK Concussion Lab study

The University of Toronto and the OAK Concussion Lab are recruiting adolescents (ages 13-18 years) with concussion to participate in a research study. This study explores remote concussion care and will help bring concussion care to youth who live in areas without concussion specialists, or have difficulty attending in-person sessions at a clinic.

More information can be found below and interested participants are encouraged to contact [email protected] / 416-946-3273.

The OAK Concussion Lab is a team of researchers dedicated to improving concussion outcomes, knowledge and advocacy in youth.

ABI & MVA: The lived experience survey findings


Attached here is an important and beautifully crafted advocacy document outlining the findings from the survey conducted jointly by ABISS and McMaster. My apologies for the delay in sharing this with you; it was released earlier this month.

ORA member Sheila MacDonald, (SLP, Sheila MacDonald & Associates), supervised the project along with Dr. Lynn Turkstra. The ORA was very pleased to get to know members of ABISS over the past few years through Sheila’s introduction, and to have them present at several ORA events.

Do read this – the results and recommendations for all stakeholders are summarized in the attached brief. Copies of the longer report are available on request.

Do share this on your websites and through social media posts.

McMaster-ABISS Study Findings.PDF

Image by Ryan McGuire, Pixabay

It’s Quintuplets! ORA Members Sweep Award Nominations

Do consider supporting your fellow ORA members when you cast your ballot (by Aug 31) for the annual OBIA & PIA Awards of Excellence. There’s lots to choose from!

All five of the companies nominated in the Rehab Company of the Year category are ORA members, so you can’t go wrong voting for Abilities Rehab, Brainworks, Essentially YouFunctionAbility or Wright Rehab.

Colleen Boyce, (Bayshore), Sheila MacDonaldKindrey Rowland (Orangeville, ORA members all, are nominated in the category of Healthcare Provider of the Year category.

Jennifer Jones (Abilities Rehab), Jodi Harendorf (Neuro-Rehab Services Inc.), Laura MacPhee (Rehab Results) and Maureen Palmer, are nominated in the Case Manager of Year category.

Happy voting!

Help Distribute Important Survey of Individuals with Brain Injuries

The ORA is asking its members to assist in disseminating a survey to individuals with brain injuries sustained in motor vehicle collisions to obtain information about their experience with auto insurance claims.

Please see the attached letters from student researchers at McMaster University and Acquired Brain Injury Survivor Solutions (ABISS), an advocacy group.

ABISS MCMASTER.TBI Insurance Study Approval 2020

Letter & Survey for Participants

Letter to Organizations & Professionals Assisting with Survey Distribution.

This research has received ethics approval through McMaster University from the Hamilton Integrated Research Ethics Board. The researchers include:

  • Principal Investigator, Dr. Lyn Turkstra, Department of Rehabilitation Science, McMaster University
  • Research Supervisor, Sheila MacDonald, Assistant Professor (Adjunct), Department of Rehabilitation Science, McMaster University
  • Student Investigators: Laura Brooks, Yvette Hou, Daniella Reid, Aileen Zhou

Clinicians distributing the survey are asked to ensure objectivity and privacy by observing the following:

  • Allow the person to complete the survey in their private (non-therapy) time
  • Do not discuss, assist with, or document survey completion in clinical notes and records (reporting, chart notes, emails etc.).

If you have questions or need more information about the study itself, please contact student investigator Laura Brooks by email at [email protected], or call Dr. Turkstra at 905.525.9140 Extension 28648.

The goal of this research project is to help better understand the experiences that those with brain injury following a motor vehicle collision have with their auto insurance claims.

Data from surveys like is so badly needed to support our advocacy for changes. Please do what you can to support this initiative.

With thanks,

Laurie Davis 

Executive Director, ORA


<a href=’’>Background vector created by freepik –</a>

ORA ED Laurie Davis shares thoughts on COVID-19 and Auto Accident Survivors

“We have people who are seriously and catastrophically injured who are in their own homes or in community settings and they are vulnerable”

How COVID-19 is probably affecting your auto claimants

ORA Pandemic Issues Letter to FSRA

ORA Pandemic Issues Letter to FSRA PDF

Sent via email

March 26, 2020
Dear Ann and Stuart,
The ORA is very gratified by the deferral of the AIR filing. Thank you for any contributions you may have made to that announcement.
Along with all healthcare providers we’ve been asked to do our part and help mitigate the impact of this pandemic on our most vulnerable populations and on our acute care sector. We are ready and anxious to do so. Help us do our part.
The ORA has been holding weekly consultations with our members to hear what their experiences and questions are during this pandemic. Below I’ve outlined the issues and requests for FSRA’s guidance and assistance that have emerged thus far. We appreciate that some may be out of scope for FSRA and would, in these cases, be grateful for suggestions or introductions as to where to redirect.

Suspension of Non-Essential Regulated Health Provider (RHP) Services by Ontario’s Chief Medical Officer of Health in the on March 19, 2020.
Early communications from some RHP members’ Colleges indicate that this directive is being interpreted to relate to in-person services though the wording of the directive is not clear. Though health care facilities and home care services have subsequently been deemed essential in Ontario we are concerned that insurers may be confused and are consequently denying approvals for services that may be safely delivered virtually and/or in-person in cases where that may be deemed essential.
A further concern is that while some services may not be considered essential in the early days of this pandemic its highly likely they may become essential in coming weeks


To read the whole letter please see link to PDF above