Not Every Therapy is Covered

This video discusses the limitations of coverage under the statutory accident benefits schedule for personal injury treatments in Canada. While insurers may cover certain therapies like physiotherapy, massage, or psychological care, they only do so if deemed reasonable and necessary. Alternative treatments or wellness supports may be denied, leaving individuals with potential out-of-pocket expenses. The video emphasizes the importance of having legal representation when dealing with insurance companies, which often have their own lawyers. For assistance, viewers are encouraged to contact 1-800-JUSTICE.

Some helpful therapies aren't covered. Under the statutory accident benefits schedule, not every treatment is considered reasonable and necessary according to insurers. Accident benefits may cover physiotherapy, massage, or psychological care, but only if the insurer agrees that it's necessary. Alternative treatments, wellness supports, or even therapies that work well for you can still be denied. The insurer decides what they'll fund. If they say no, you've got a problem. Insurance companies have lawyers. So should you. Call 1-800-JUSTICE.