Ontario government deals another blow to injured Ontario motorists with the Common Traffic Impairment Guideline

available rehab coverage

The Ontario government continues to allow insurance companies to erode coverage for Ontario motor vehicle accident victims. The draft Common Traffic Impairment (CTI) Guideline proposes to reduce available treatment to below critical levels. OTLA has submitted a Response to the Draft CTI Guideline and the CTI Guideline Appendix.

Prior to September 2010, car crash victims had up to $100,000.00 in available coverage for rehabilitation. To be clear, insurance companies weren’t writing cheques to claimants in this amount. The funds were only available for reasonable and necessary treatment to aid in recovery. Seldom were the limits reached.

The 2010 changes lowered the coverage $3,500.00 for the vast majority of claimants and OTLA now estimates that under the CTI Guideline, funding will be reduced to approximately $1,000.00 per person.


The CTI study purports to be scientific but a close analysis of the conclusions indicate that it is anything but. Criticism of the Guideline has been widespread by organizations advocating on behalf of car crash victims such as FAIR , the Ontario Psychological Association and the Ontario Rehab Alliance. So far, the government appears to be ignoring feedback from these organizations and specifically has failed to address their many concerns, including:

  • The inclusion of Mild Traumatic Brain Injuries with the CTI Guideline;
  • The composition of the CTI panel , which did not include an adequate number of diverse practising front-line treatment providers;
  • The anticipated role of the family physician as a ‘gatekeeper’ to services when there is a consensus amongst the Ontario Medical Association and other healthcare professional associations that this is inconsistent with current practice, and will cause treatment delays and increased costs to the healthcare system; and
  • The 6 month treatment window is not scientifically validated. The studies proffered by the research team demonstrate that 50% of those with CTI do not recover within 1 year after the accident.

At this time, the guideline remains subject to a consultation process and has not yet been finalized. However, if the Ontario government’s past approach to motor vehicle insurance provides any indication, the CTI Guideline will come into effect and will further deprive injured Ontarians of the benefits they desperately need to recover.

Read the OTLA Response to the Draft CTI Guideline and the CTI Guideline Appendix

Laura Hillyer
Written by

Laura Hillyer divides her practice between Personal Injury Litigation and Criminal Defence. She strives to help her clients with the challenges they face whether they are injured or disabled and are seeking fair compensation, or are charged with a criminal offence. Laura believes that practising in these two areas of law provides her with a wide breadth of experience and gives her a balanced approach in facing legal problems.

  • Bonnie Robinson

    Why are the doctors who treat these injuries not been included, who better to know the long term effects of the victims injurys. I was in serious accident several years ago now, but trust me at that time 100,000 was the cap, it did not take long to run that down. I was amazed at how the insurance companies were allowed to question the professional diagnoses of well respected specialists. As if my specialist would lie so that I could get more money or care.
    Now you say ABI should be except from this new ruling, if it means catastropic trust me you will be fighting the insuracne companies for years to get that classification and trust me very few will.
    Please explain to me why the government is even involved in this? Why are they allowed so much power over the decision making, when we know that they are in bed with the insurance companies (how else do they get the funding for their campaigns) With all the drops that OHIP will now cover and insurance companies paying less what will happen to those who have suffered a sever injury due to no fault of their own.

  • Dorothy Algar

    This is very upsetting. Once again the almighty insurance company’s get out of helping the client’s who have paid extremely high premiums. My premiums have continually gone up but I paid with no complaints because I knew I would be taken care of if God forbid I had a accident. Now where are my premium s going. I am furious with this news. We need it back. I am sure there will never be a reduction in our premiums to this degree. Put people first