Glossary of Terms

Acronym Common Pronunciation Term Description Related Link
AC Ay-see Attendant Care Care given by an attendant who does personal tasks which a person cannot do for themselves. This includes care in certain types of facilities
AIM Aim Ontario Automobile Insurance Mitigation Plan?
AIR Air Auto Insurance Reform A public consultation with drivers, consumers and stakeholders across the auto insurance system to explore options put forth in February 2019
CAT Cat Catastrophic Impairment Long-term impairment that meets the statutory criteria for “catastrophic impairment”. Since June 1, 2016, a Catastrophic Impairment has been defined to include 8 categories of impairments. The complete criteria can be found at section 3.1(1) of the SABS.
FSCO Fisco Financial Services Regulatory Authority Effective June 8, 2019, the Financial Services Regulatory Authority (FSRA) will assume the regulatory functions of the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO). FSRA is in the process of moving content from thier website to Visit for updates.
FSRA Fizra Financial Services Regulatory Agency “We protect the rights of consumers by promoting high standards of business conduct and transparency within the financial services we regulate.” – from their website
HCAI H-kai Health Claims for Auto Insurance Part of the delivery of health care benefits to Ontarians injured in automobile collisions. Further to the Auto Insurance Standard Invoice, introduced in 2001, HCAI seeks to automate the exchange of standardized health claim information between health care providers and insurance companies.
IEC I.E.C. Independent Evaluation Centre Conducts medical evaluations and assessments for people injured in motor vehicle accidents to provide an independent and objective opinion on their health.
LAT Lat Licensing Appeals Tribunal The Licence Appeal Tribunal (LAT) is an independent, quasi-judicial agency and is one of the thirteen tribunals in Tribunals Ontario.

LAT adjudicates applications and resolves disputes concerning compensation claims and licensing activities regulated by the provincial government, including those activities of delegated administrative authorities.
MIG Mig Minor Injury Guideline Individuals with “minor injuries” (defined as whiplash-related injuries, muscular strains/sprains, contusions and lacerations)
MVA M.V.A. Motor Vehicle Accident
OCF O.C.F. Auto Insurance Claims Forms (OCF Forms)
PA P.A. Protected Account A protected account is an irrevocable agreement in which the injured person and his or her therapist agree to continue to work together without immediate payment for service. The agreement is such that the account will eventually be paid when the claim settles.
PSG P.S.G. Professional Services Guidelines This Guideline establishes the maximum expenses payable by automobile insurers under
the SABS related to the services of any of the health care professions or health care
providers listed in the Guideline.
SABS Sabz Statutory Accident Benefits Schedule A mandatory no-fault auto insurance coverage in Ontario, included with all basic auto insurance policies.

Administered by the Automobile Accident Benefits Service of Ontario, accident benefits are paid through the auto insurer covering the vehicle. If injuries are suffered when a vehicle hits a pedestrian or bicyclist, the claimant will have to file a claim with the insurance company of the vehicle that hit them.
WPI W.P.I. Whole Person Index rating Assigns percentages to the various impairments and calculates an overall Impairment rating. If this overall rating exceeds 55%, the claimant is deemed CAT.