After a spinal cord injury, one of the most important parts of Ontario’s accident benefits system is the catastrophic impairment designation. Although the term sounds technical, it has a major impact on the care, rehabilitation and financial support a person may receive.
A catastrophic impairment designation is reserved for the most serious injuries. Many spinal cord injuries qualify, but the designation is never automatic. It requires medical assessments and clear documentation that explains how the injury affects mobility, self-care and daily life. Insurers rely on detailed medical evidence, and missing information can delay or complicate the process.
The reason this designation matters is simple. Individuals who are approved as catastrophically impaired have access to significantly higher benefits. This may include long-term rehabilitation funding, increased attendant care, home and vehicle accessibility modifications and specialized equipment. Because spinal cord injuries often involve lifelong needs, these expanded benefits provide essential support for independence and safety.
The application process can feel overwhelming for families already managing medical appointments and major life changes. Experienced legal support can make the process easier. Spinal cord injury lawyers at Oatley Vigmond help gather the necessary medical records, coordinate assessments and ensure that insurers receive a complete and accurate picture of the injury’s impact. If the insurer questions or denies the application, legal advocates help determine the next steps and whether additional evidence or dispute resolution is needed.
Securing the correct designation can significantly improve long-term access to care and support. Understanding the process early, and having knowledgeable guidance throughout, helps families feel more confident navigating the system.
Is your injury “automatically” Catastrophic? Some spinal cord injuries qualify for immediate designation, while others require a 55% impairment assessment. To learn more about catastrophic impairment and connect with spinal cord injury lawyers at Oatley Vigmond, visit https://www.oatleyvigmond.com.
