ONTARIO • MEDICAL ASSESSMENTS
Assessment Tests
Income Replacement Benefit (IRB)
Ontario Coverage
Connects medical evidence to the specific legal or policy test at issue. We confirm the referral scope before selecting an assessor to ensure the findings are relevant to the SABS criteria.
Non-Earner Benefit (NEB)
Functional Impact
Assesses whether an accident-related impairment causes a complete inability to carry on a normal life. The assessment provides the medical evidence for the insurer to determine entitlement.
July 1, 2026 Coverage
Policy Changes
Ontario's July 1, 2026 reforms mean that IRB and NEB benefits may now depend on the coverage selected or continued under the policy. We confirm the available coverage before an assessment is arranged.
Medical File Reviews
Comprehensive Analysis
A full read of the available record, with a written summary and a clear recommendation on next steps. Our QA team reviews every file for missing responses and inconsistencies before it reaches you.
QA Review & Support
Our QA and administrative team checks every file for missing referral responses, inconsistencies, and unclear passages before it reaches you. The clinical opinion stays entirely the assessor's — we just make sure nothing slows the file down.