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I receive a number of calls a week from health care professionals stating that their patients are not fully recovered at the end of the MIG. This week I did some research:

According to Canadian Underwriter, between 1 and 20% of claims were treated in the PAF.

According to ThinkInsure, 69% of claims are being treated in the MIG.

Ontario’s insurance regulator, the Financial Services Commission of Ontario (FSCO), stated after the reforms were implemented that 55% of all minor injuries would have to fit within the new Minor Injury Guideline (MIG) introduced in the reforms for insurers to make a profit.

In 2008 the average medical rehabilitation claims cost was over $43,000.

The Minor Injury cap is $3500.

In 2010 the Minor Injury cap in Nova Scotia was raised to $7500. read more…

The Alberta Court of Queen’s Bench struck down the Alberta cap on the basis that it infringed the plaintiff’s equality rights under section 15 of the Charter, but found no infringement of the section 7 life, liberty and security guarantee. read more…The Alberta Court of Appeal overturned the trial judge’s decision on section 15 and upheld the constitutionality of the Alberta cap. In December 2009, the Supreme Court of Canada denied leave to appeal. Currently the cap is $4000.

Read more about the Minor Injury Caps in Canada.

It will be interesting to see what happens with over 28,00 applications for mediation at FSCO. read more…