Ontario Personal Injury Lawyers
Call 1-888-404-5167
Preszler Injury Lawyers

The Complexity of the Whole Person Impairment (WPI) Rating System


The whole person impairment rating (WPI) refers to the system for calculating the extent of catastrophic injuries. It’s a complex system that some believe does not always represent the degree of a victim’s injury accurately. Below is a brief explanation of the system to keep in mind as you are applying for benefits based on catastrophic injury.

Defining Catastrophic Impairment

The term “catastrophic injury” refers to injuries that are substantial, serious and permanent, as defined in Ontario Statutory Accident Benefit Schedule (SABS). Victims whose injures are catastrophic will have access to enhanced benefits, far above that of minor or non-minor injury victims. This is because those with catastrophic injuries require extra care over an extended period of time.

For instance, accident victims with paraplegia or those who have suffered blindness or sustained an amputation can qualify as catastrophically injured. Other injuries are more difficult to ascertain, particularly with psycho-emotional impairments.

Calculating Whole Person Impairment

The WPI rating system assesses cumulative effect of having multiple impairments. It’s essentially a guideline for the determining the degree of a patient’s permanent impairments resulting from an injury. It accounts for the effects of injuries on the person as a whole.

Talk With Our Legal Team



If you have any questions and would like to schedule a call with our legal team for a FREE no-obligation consultation, contact us now. During this call you can ask any questions as it relates to your accident and/or claim and we'll discuss your options and possible outcomes.

Regardless of where you're located in Ontario – we may be able to help you. Don't delay - call us. Our lines are open 24/7.

When determining whether or not a person is catastrophically injured, a health care professional will assign:

  • A value to each impairment the victim has
  • Use the WPI formula provided by SABS
  • Calculate the final whole person impairment rating

According to SABS guidelines, a person must be assigned at least a 55 percent WPI in order to be labeled as catastrophically injured.

Accounting for Psychological Injuries

Whether or not physical and psychological impairments can be combined to arrive at a higher WPI rating has been a contentious issue in courts.

Some believe that physical and psychological impairments should be combined when calculating WPI in catastrophic injury cases, while others believe that doing so would be unfair to those who had exclusive physical or psychological injuries.

At this time, the Courts have clarified this issue and have determined that a combination of both is a valid and acceptable practice.

As it currently stands, “Mental or behavioural disorders have a separate classification in the AMA Guides. The current definition in the SABS parallels this by separating out mental and behavioural disorders as qualifying on their own for the catastrophic impairment designation,” explains the Financial Services Regulatory Authority of Ontario.

Unfairly rated? Contact a Lawyer in Ontario

Call 1-888-608-2111 for available options or Book a Consultation

WPI ratings are not a perfect system. If you feel as if you or a loved one has received an unfair rating, our lawyers at the Preszler Injury Lawyers can assist you. Contact us for a free consultation and let us determine how we may be of assistance to you.

related videos


 

Can I File An Injury Claim Without Insurance?
 

Communicating With Injury Clients
 

Does Insurance Really Watch People After They File Injury Claims?
 

How Our Lawyers Can Help With Your Injury Claim
 

How to File a Sports Injury Claim
 

Importance of Experience When Choosing An Injury Lawyer
 

Personal Injury Lawyers
 

Personal Injury Settlement Restrictions
 

Potential Impact of Social Media on a Personal Injury Claim
 

Pre-Existing Injuries and Their Impact on An Injury Settlement
 

Protecting Yourself From a Swimming Pool Accident
 

Safety Tips For Sending Your Child to Summer Camp
 

Seeking Help For Your Personal Injury
 

Steps to Take to Help My Injury Case
 

The Role of a Doctor in An Injury Claim
 

What is a Tort Claim?
 

What makes Preszler Law different?
 

What To Look For When Hiring a Personal Injury Lawyer
 

Your Legal Rights During a Personal Injury Claim
 
Call us now at
1-800-JUSTICE
®

151 Eglinton Ave W,
Toronto, ON
M4R 1A6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
4145 N Service Rd
Burlington, ON
L7L 4X6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
2 County Ct Blvd #400,
Brampton, ON
L6W 3W8
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
105 Consumers Drive
Whitby, ON
L1N 1C4
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
92 Caplan Ave #121,
Barrie, ON
L4N 0Z7
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
380 Wellington St Tower B, 6th Floor,
London, ON
N6A 5B5
Toll Free: 1-888-608-2111
2233 Argentia Rd Suite 302,
East Tower Mississauga, ON
L5N 6A6
Toll Free: 1-888-608-2111
1 Hunter St E,
Hamilton, ON
L8N 3W1
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
459 George St N,
Peterborough, ON
K9H 3R9
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
22 Frederick Street,
Suite 700
Kitchener, ON N2H 6M6
Fax: 1-855-364-7027
Toll Free: 1-888-608-2111
352 Elgin Street,
Ottawa ON
K2P 1M8
Toll Free: 1-888-608-2111
10 Milner Business Ct #300,
Scarborough, ON
M1B 3C6
Toll Free: 1-888-608-2111
*consultation offices

DISCLAIMER: Please be advised that the header image and other images throughout this website may include both lawyer and non-lawyer/paralegal employees of Preszler Injury Lawyers and DPJP Professional Corporation and unrelated third parties. Our spokesperson John Fraser, or any other non-lawyer/paralegals in our marketing is not to be construed in any way as misleading to the public. Our marketing efforts are not intended to suggest qualitative superiority to other lawyers, paralegals or law firms in any way. Any questions regarding the usage of non-lawyers in our legal marketing or otherwise can be directed to our management team. Please also note that past results are not indicative of future results and that each case is unique. Please be advised that some of the content on this website may be out of date. None of the content is intended to act as legal advice as each situation is independent and unique and requires individual legal advice from a licensed lawyer or paralegal. For legal advice on your individual situation – we can provide legal guidance after you have contacted our firm and we have established a lawyer-client relationship contractually. Maximum contingency fee charged is 33%. Finally, our usage of awards and logos for awards does not suggest qualitative superiority to other lawyers, paralegals or law firms. All awards received from third party organizations have been done so through their own reasonable evaluative process and do not include any payment for these awards except for the use of the award logos for our marketing assets.