TD General Insurance was ordered to pay a special award after waiting two months to remove a claimant from the Minor Injury Guideline.
The claimant was injured in an automobile accident on October 27, 2022, and sought statutory accident benefits from TD General Insurance. The insurer determined the injuries fell within the Minor Injury Guideline and capped funding at $3,500, denying several treatment plans.
TD had earlier scheduled insurer's examinations in July, August and September 2023, which the claimant failed to attend. At a case conference on July 31, 2025, the parties agreed he would attend any rescheduled examinations. Multidisciplinary examination reports arrived on November 7, 2025, with TD's own psychological assessor recommending removal from the guideline - but TD did not act on that recommendation for two months.
Only on January 8, 2026 - one day after the claimant filed his written hearing submissions - did TD send a letter removing him from the guideline. Four days later, it approved all three previously denied treatment plans, covering a psychological assessment, a chronic pain assessment and physiotherapy. By January 14, 2026, TD told the tribunal a related preli...