Ontario legal information · Ottawa and Eastern Ontario
The assessor is evaluating for a defined insurance purpose.
Read the notice for benefit, specialty, date, location and required documents. Ask questions about unclear scope, accommodation, travel or conflicts before the appointment.2
During the assessment, give an honest history, distinguish what is known from estimates and explain variability with specific examples. Note the duration and material events afterward.
The examination sits within a decision sequence.
Notice
The insurer identifies the issue and proposed assessment.
Assessment
The professional examines within their role and questions.
Decision
The insurer relies on the report, other evidence and SABS test.
Keep the full examination record.
Benefit, assessor, specialty, scope and logistics.
Medical chronology, medications, aids and real demands.
Timing, tests, breaks, symptoms and unusual events.
Request and compare both with the clinical record.
Missing an examination can affect benefits; attendance questions deserve prompt advice.
Raise medical, accessibility or scheduling concerns early and in writing rather than simply failing to attend.3
Keep the decision date and LAT timing if benefits are denied or stopped after the report.
How a personal injury lawyer may help with accident benefits.
A useful review should reduce the file to a defined benefit, disputed period, governing test and evidence problem—then explain the available response in plain language.
- Review notice and statutory compliance
- Prepare an accurate functional history
- Compare opinion, methods and records
- Respond to the resulting benefit decision
Not every file requires every step or legal representation. The work should respond to the actual dispute, evidence gap or decision that is approaching.
Sources and legal references
These official sources provide the legal and procedural foundation for this page. Their current wording and the facts of the claim control.
View 3 sources
- Ontario — Statutory Accident Benefits Schedule
The current regulation governing Ontario automobile accident benefits.
Back to footnote ↑ - Tribunals Ontario — LAT-AABS
The official service for disputes about statutory automobile accident benefits.
Back to footnote ↑ - Tribunals Ontario — LAT-AABS laws, rules and decisions
Current legislation, rules and practice directions for benefit disputes.
Back to footnote ↑