{"id":2994,"date":"2020-03-19T09:00:15","date_gmt":"2020-03-19T13:00:15","guid":{"rendered":"http:\/\/stage.tbkdev.com\/dev\/davismartindale.com\/src\/?p=2994"},"modified":"2020-06-15T12:01:41","modified_gmt":"2020-06-15T16:01:41","slug":"lat_rules_for_irb_purposes","status":"publish","type":"post","link":"https:\/\/stage.tbkdev.com\/dev\/davismartindale.com\/src\/lat_rules_for_irb_purposes\/","title":{"rendered":"LAT rules on Section 8(1) for IRB Purposes"},"content":{"rendered":"

[vc_row][vc_column][basic_container container_size=”container container-narrow” bg_overlay=”overlay-light”][vc_column_text]In the LAT decision released on January 13, 2020, T.A.K. v Aviva General Insurance Company (18-008232\/AABS), the Adjudicator provides interpretation for the Section 8(1) adjustment in the SABS.<\/p>\n

The Applicant was injured in a motor vehicle accident on December 10, 2016. Prior to the accident, both parties agreed the Applicant was employed earning $19,847.96 during the 52 weeks before the accident and that 70% of the weekly base amount is $267.18 before any deduction for income replacement assistance. \u00a0However, both parties could not agree on the amount of CPP disability benefits to be deducted when calculating the IRB, and as such, no IRBs were paid to the Applicant.<\/p>\n

After resolving the issues regarding the IRBs payable for December 17, 2016 to December 16, 2018, the Adjudicator ruled on the Applicant\u2019s interpretation of Section 8(1) of the SABS.\u00a0 This section considers an Applicant who was receiving an IRB immediately before<\/u> his or her 65th<\/sup> birthday and outlines the formula to be used when adjusting a weekly IRB on the later of reaching the age of 65 or the second anniversary of when an Applicant becomes entitled to IRBs.<\/p>\n

In this decision, that Applicant submitted that the age 65 adjustment does not apply [i.e.\u00a0 Section 8(1)] to them as they were not receiving an IRB immediately before their 65th<\/sup> birthday.<\/p>\n

The Adjudicator and Respondent agreed on interpreting \u201creceiving an IRB\u201d means \u201centitled to receive an IRB\u201d.\u00a0 The Respondent relied on the FSCO decision Hamilton and Dominion of Canada<\/em>.\u00a0 The LAT Adjudicator agreed with the interpretation in the FSCO decision, which meant the Section 8(1) adjustment would apply.<\/p>\n

The interpretation of the ruling confirms that \u201cc\u201d of the Section 8(1) formula is the weekly IRB that the claimant was entitled to receive (or was receiving as noted above) immediately before the adjustment.\u00a0 This means that the claimant\u2019s weekly IRB<\/u> that is being received is adjusted (i.e. after deductions for CPP disability benefits, LTD benefits, etc.), not solely 70% of their gross weekly pre-accident income earned.<\/p>\n

In the Applicant\u2019s case, the later date was the second anniversary the Applicant became entitled to receive an IRB, however, by the time the Applicant reached the second anniversary, his CPP disability benefits had ceased.<\/p>\n

Read the decision in full detail here:<\/h4>\n
T.A.K. v Aviva General Insurance Company, 2020 CanLII 14424 (ON LAT)<\/a><\/div>\n

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A growing trend has emerged recently as it relates to individuals making a claim for income replacement benefits (\u201cIRBs\u201d). \u00a0More frequently than ever, insured\u2019s seem ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t

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For self-employed individuals seeking to claim an income replacement benefit (\u201cIRB\u201d), the calculation of their pre-accident gross weekly income is not always straightforward.\u00a0 Two recent ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t

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In the LAT decision released on January 13, 2020, T.A.K. v Aviva General Insurance Company (18-008232\/AABS), the Adjudicator provides interpretation for the Section 8(1) adjustment ...<\/p>\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\tRead More<\/span>\r\n\t\t\t\t\t\t\t<\/a>\r\n\t\t\r\n\t\t\t\t\t

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Prior to the accident, both parties agreed the Applicant was employed earning $19,847.96 during [...]","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-2994","post","type-post","status-publish","format-standard","hentry","category-insurance-claim-and-litigation-updates"],"acf":[],"yoast_head":"\nLAT rules on Section 8(1) for IRB Purposes - Davis Martindale<\/title>\n<meta name=\"description\" content=\"Summary of LAT decision: T.A.K. v Aviva General Insurance Company - the Adjudicator provides interpretation for the Section 8(1) adjustment in the SABS.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LAT rules on Section 8(1) for IRB Purposes - 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