Types of Independent Medical Evaluations

We Conduct Evidence Based Diagnostic And Impairment Determinations For The Following Types Of Independent Medical Evaluations:

Accident Benefits

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 he or she is 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

Personal Injury

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.

Medical Malpractice

We work with medical malpractice lawyers to help assess whether the standard of care has been met by other mental health professionals.

Other Types

Long-Term Disability

The purpose of this assessment is to determine whether the insured continues to suffer a psychiatric an impairment that precludes them from returning to their pre-loss vocation.

Family Law

We work with family lawyers to help assess an individual’s mental fitness to parent children.

Criminal Law

We work with criminal lawyers to help assess criminal responsibility or lack thereof.

Employer

We work with employers to help assess an employee’s mental ability to perform their essential work tasks.

Capacity

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.

Validity Testing

Courts and lawyers sometimes 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.