We Conduct Evidence-Based Diagnostic and Impairment Determinations for the Following Types of Independent Medical Evaluations:
Minor Injury Guideline
The purpose of this assessment is to determine whether the insured has sustained a “minor injury” as a result of the accident for which the Minor Injury Guideline would be applicable. A “minor injury” means a “sprain, strain, whiplash associated disorder, contusion, abrasion, laceration or subluxation, and any clinically associated sequelae.” Generally speaking, a psychiatric diagnosis precludes the insured from being considered within the Minor Injury Guidelines.
OCF Treatment and Assessment Plan
The purpose of this assessment is to determine whether a proposed Treatment and Assessment Plan (OCF-18) is reasonable and necessary.
In assessing Treatment and Assessment Plans, we will consider evidenced-based treatments for the psychiatric diagnoses listed, as well as the treatment providers who will be providing said treatments.
Non-Earner Benefit (NEB)
The purpose of this assessment is to determine whether the insured person suffers a complete inability to carry on a normal life, where the person sustains an impairment that continuously prevents the person from engaging in substantially all of the activities in which the person ordinarily engaged before the subject accident.
Pre-104 Income Replacement Benefit (IRB)
The purpose of this assessment is to determine whether the insured suffers a substantial inability to perform the essential tasks of his or her pre-MVC employment.
Post-104 Income Replacement Benefit (IRB)
The purpose of this assessment is to determine whether the insured person suffers a complete inability to engage in any employment for which they are reasonably suited by education, training or experience.
Catastrophic Impairment Determination
For accidents pre June 1, 2016, a mental and behavioral catastrophic impairment is defined by:
Mental or behavioral impairments combined with physical impairments that, in accordance with the American Medical Association’s Guides to
the Evaluation of Permanent Impairment, 4th edition, 1993, results in 55 percent Read more
Medico-Legal Tort/Verbal Threshold Test (as per the Ontario Insurance Act)
The purpose of this test is to establish if one has suffered a permanent serious impairment of an important physical, mental or psychological function.
We work with medical malpractice lawyers to help assess whether the standard of care has been met by other mental health professionals.
The purpose of this assessment is to determine whether the insured continues to suffer a psychiatric impairment that precludes them from returning to their pre-loss vocation.
We work with family lawyers to help assess an individual’s mental fitness to parent children.
We work with criminal lawyers to help assess criminal responsibility or lack thereof.
We work with employers to help assess an employee’s mental ability to perform their essential work tasks.
The purpose of this assessment is to assess an individual’s decisional capacity to manage their own medical care and/or manage their own property and finances.
Courts and lawyers may request psychological validity testing (conducted by a psychologist) to help assess how credible an individual’s self-report is. This can be a standalone assessment or incorporated into a psychiatrist’s report.