Vestibular-Ocular Assessment at the LAT: The Concussion Evidence That Cannot Be Faked
A pain rating is self-report. A symptom diary is self-report.
Read the briefingThe Blog
Case law that matters. For clinics.
Every LAT decision and CanLII ruling that touches Ontario MVA clinics, monitored and written up in plain language. Briefings are sourced from the tribunal itself, not from someone's summary of it.
- 32 briefings
- LAT + CanLII primary sources
- Weekly monitor
Your Provider Is Not in the Guideline. Here Is What the LAT Actually Pays.
If your clinic bills a profession the Professional Services Guideline never mentions, insurers will often tell you the rate is $58.19 per hour. The line is real.
Read the briefingUnderstanding the OCF-18 Treatment Plan
Before a clinic can bill auto insurers for treating an accident victim, the treatment has to be proposed and approved. The document that does the proposing is the OCF-18.
Read the briefingAttendant Care Invoices: The Minimal Standard - LAT
Attendant Care Invoices: The Minimal Standard - LAT
Read the briefingWhen Your Spouse Is the Treating Chiropractor: What the LAT Decided
Four chiropractic treatment plans land at the Licence Appeal Tribunal. They look like any other plans, except for one detail: they were all authored by the claimant's husband, who was also her treating chiropr…
Read the briefings. 10 Special Awards: The 12 Times the LAT Made an Insurer Pay in 2026
In May 2026, a Certas decision produced a strange result. The applicant lost the catastrophic impairment issue.
Read the briefingPsychological Validity Testing at the LAT: What's Winning in 2026
You submit an OCF-18 for psychological treatment. The insurer sends the claimant to a section 44 examination.
Read the briefingThe Rebuttal Report Playbook: How to Write One That Survives at the LAT
A section 44 insurer examination came back against your patient. The diagnosis you made is described as soft tissue only.
Read the briefingPsychometric Testing at the LAT: Which Batteries Win and Which Lose
Psychometric testing appears in nearly every psychological assessment that reaches the Licence Appeal Tribunal. Across 25 LAT decisions where psychometric testing was central, one pattern stands out: no single…
Read the briefingHow Psychological Evidence Wins Post-104 IRB Cases at the LAT
After 104 weeks of income replacement benefits, the test changes. The insured person has to prove a complete inability to engage in any employment or self-employment for which they are reasonably suited by edu…
Read the briefingPre-Screens Are Not Winning at the LAT: What Clinics Should Do Instead
The psychological pre-screen is one of the most common line items on an MVA file: a short screening interview, typically $190 to $282.50, attached to an OCF-18 for a full psychological assessment. Clinics use …
Read the briefingHow Physical Injury Claims Win (And Lose) Post-104 IRB
The post-104-week income replacement test reads like it was written for desk jobs. Complete inability to engage in any employment for which the insured is reasonably suited by education, training, or experienc…
Read the briefingBuild Planning Into the Session - A 2026 LAT Guide for Occupational Therapists
An occupational therapist submits an OCF-18 with planning and preparation fees billed as separate line items. The insurer denies them.
Read the briefingInsurer Tried to Cap an Osteopath's Rate. The Tribunal Said No.
A treatment plan proposed four sessions of osteopathic therapy at $128.32 per hour. The insurer paid the file at $58.19, arguing that osteopaths fall under the "unregulated providers" line in the Professional …
Read the briefingThe Onus Never Shifts: What 2025 CanLII 132394 Means for Your Next Rebuttal
In December 2025, the Licence Appeal Tribunal released a reconsideration decision that boils the rebuttal report question down to a single sentence. The original ruling kept the applicant inside the Minor Inju…
Read the briefingThe Insurer Says OHIP Will Pay for It. Here Is When the LAT Agrees.
"It is covered by OHIP." "Please seek this assessment through the public system first." "Provide documentation that this service is not available unde
Read the briefingNutritional Assessments Approved at the LAT
A patient gains 50 pounds in the year after a car accident. A clinic submits a $1,050 OCF-18 for a nutritional assessment.
Read the briefingWhen the LAT Pays for Medical Cannabis: The J.M. v Wawanesa Framework
If your clinic treats MVA patients, medical cannabis is increasingly part of the conversation - for pain, for sleep, and especially for the psychiatric fallout of a crash: anxiety, PTSD, and insomnia. The qu…
Read the briefingMeal Delivery as an Accident Benefit - A 2026 LAT Ruling
Can an auto insurer be required to pay for meal delivery? The Licence Appeal Tribunal said yes - but only after the claimant won on reconsideration what they lost at the initial hearing.
Read the briefingLegal Decisions in 2026 That Affect Your HCAI Invoicing
If you run a clinic in Ontario that treats motor vehicle accident patients, you have probably had a treatment plan denied. Maybe the insurer cut your form completion fee from $200 to one hour of your time.
Read the briefingLate Reporting of Injuries After an Accident: Not Hopeless
This guide is for applicants who reported their injuries late because of a late onset of injuries. When an insurer wins a late-notice argument, the claim is dismissed before anyone argues about whether treatme…
Read the briefingReporting Injuries to the Insurance Company Late: How to Beat It
Late notice is one of the fastest ways to turn an accident-benefits file into a denial fight. If the insurer says the claimant missed the section 32 deadline, the discussion can end there unless the applicant …
Read the briefingThe $200 Form Completion Fee: The LAT Affirmed It.
There is a $200 fee hiding in plain sight on every OCF-18 your clinic submits: the documentation support activity line for completing the form itself. The Professional Services Guideline caps that fee at $200.…
Read the briefingForm 1 Hourly Rates Are Not Billing Caps - A 2020 LAT Ruling Explained
A personal support worker submits attendant care invoices at $25 to $26 per hour. The insurer caps them at the Form 1 hourly rate, which is lower.
Read the briefingThe Concussion Rule Changed in 2026. Insurers Who Missed It Are Paying.
On February 25, 2026, the Divisional Court released [2026 ONSC 974 (CanLII)](https://canlii.ca/t/kjfwr), and rewrote the MIG gate for Ontario concussion files. The holding is categorical: a concussion is not a…
Read the briefingWhat the LAT Considers Compelling Medical Evidence
"Compelling medical evidence." The Tribunal has now applied that phrase across dozens of 2026 decisions, and a clear weight hierarchy has emerged. At the top sits the OHIP family doctor, who the Tribunal treat…
Read the briefingClothing Damaged in a Car Accident? How to Get It Paid For
A jacket torn when the airbag deployed. A helmet cracked on impact.
Read the briefingCharging for: Planning, Preparation, and Progress Reports
A Treatment and Assessment (OCF-18) plan lands at the Licence Appeal Tribunal with three ancillary line items: Planning, service, $149.61. Documentation, support activity, $448.83.
Read the briefingThe LAT Has Paid Non-Catastrophic Brokerage Fees Twice: What Both Wins Look Like
If you bill brokerage fees in Ontario, there is a number to know first: two. Across the published Licence Appeal Tribunal case law, exactly two decisions have ordered brokerage fees payable, both in catastroph…
Read the briefingPsychotherapist Billed at a Higher Rate. The Tribunal Said: Show Your Worth.
A psychotherapist submits an invoice at $149.61 per hour. The insurer pays $99.75.
Read the briefingAttendant Care Ordered Paid - A 2026 LAT Ruling Against Definity
The Licence Appeal Tribunal does not often order an insurer to pay denied attendant care benefits outright. When it does, clinics and caregivers should pay attention to what made the difference.
Read the briefingAdmin Time Is Not Treatment Time - A 2026 LAT Ruling
You finish a 45-minute treatment session with an MVA patient. You spend the next 15 minutes writing clinical notes, updating the file, and sending a quick update to the patient's lawyer.
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