Personal Injury Benefits Regulations, A-35 Reg 3

1 PERSONAL INJURY BENEFITS A-35 REG 3 The Personal Injury Benefits Regulations being Chapter A-35 Reg 3 (effective January 1, 1995) as amended by Saskatchewan Regulations 70/2002, 121/2002, 48/2004, 73/2007, 79/2007, 127/2010, 43/2014, 59/2014, 99/2016, 43/2021, 29/2023 and 69/2024. NOTE: This consolidation is not official. Amendments have been incorporated for convenience of reference and the original statutes and regulations should be consulted for all purposes of interpretation and application of the law. In order to preserve the integrity of the original statutes and regulations, errors that may have appeared are reproduced in this consolidation. 2 A-35 REG 3 PERSONAL INJURY BENEFITS Table of Contents PART I DIVISION 4 Title, Interpretation and Application Substitute Worker’s Benefits 1 Title 23 Election to change benefits 2 Interpretation DIVISION 5 3 Application of regulations Lump Sum Benefit 4 Industrial average wage not published 24 Lump sum benefit 5 Change in method by Statistics Canada 25 Insurer not liable for loss PART II DIVISION 6 Residence and Structured Disability Payments Compensation Orders 25.1 Repealed 6 Person resident in Saskatchewan 7 Loss of status as resident PART V Death Benefits 8 Retention of status 26 Calculation of death benefit 9 Status of minor child 27 Dependant benefits 10 Repealed 28 Method of capitalization for surviving spouse’s benefit 11 Powers of court 29 Educational Benefit for surviving spouse 11.1 Repealed 30 to 35 Repealed PART III Rehabilitation PART VI Permanent Impairment Benefits 12 Rehabilitation – treatment 36 Compensation for permanent impairment 12.1 Rehabilitation expenses based on Appendix B 12.2 Lost earnings, childcare expenses, meals 37 Evaluation of impairment to symmetrical parts and lodging expenses of the body 13 Insurer’s consent to expense 38 Application of section 37 PART IV 39 Percentage fixed for deficit existing before accident Income Replacement Benefits 40 Computation of more than one permanent impairment DIVISION 1 41 Section 40 not to be applied to percentage based Employment on enhancement factor 14 Meaning of unable to hold employment 42 Enhancement factor to be added after computation of combined value impairment rating 15 Meaning of unable to take care 15.1 Calculation of benefits to provide for the PART VII care of persons Benefits for Expenses 16 Meaning of employment being available 43 Reimbursement is subject to Appendices and limits 16.1 Meaning of “student” 44 Living assistance benefit 16.2 Meaning of “full-time basis” 44.1 Meaning of “non-refundable expenses” 45 Reimbursement of medical expenses DIVISION 2 Determination of Employment Income 46 Travel, meals and lodging 17 YEI not derived from self-employment 46.1 Persons accompanying 18 YEI derived from self-employment 46.2 Critical care 19 YEI for classes of employment 46.21 Reimbursement for meals, transportation and actual lost wages 20 YEI for determined employment 46.3 Leisure and recreation 21 Reduction of YEI in certain cases 47 Expenses beyond 100 kilometres from the DIVISION 3 insured’s residence Computation of Net Income 22 Calculation of net income 3 PERSONAL INJURY BENEFITS A-35 REG 3 48 Ambulance prescribed by physician DIVISION 2 Appeals to the Apeal Commission 49 Common carrier 86 Applications for appeal 50 Parking and tolls while using private vehicle 87 If claimant is incapable 51 Transportation by air 88 Notice of appeal and hearing 52 Emergency transportation 89 Records and information 53 Lodging away from residence 90 Repealed 54 Telephone calls and television retnals 91 Hearing by appeal commission 55 Prosthesis and orthosis 92 Hearings public 56 Eyeglasses or ocular prosthesis not worn before accident 93 Adjournments 57 Contact lenses not worn before accident 94 Subpeona 58 Hairpiece not worn before accident 95 Appeal commission to compile record of hearing 59 Dentures not worn before accident 96 Reimbursement for expenses 60 Repair, replacement, fitting or adjustment of 97 Failure to attend prosthesis or orthosis 98 Discontinuance of appeal 61 Prosthesis or orthosis worn before accident DIVISION 3 62 Medication, dressings and other medical supplies Appeal to the Court of Queen's Bench 63 Salvage 99 Queen’s bench location of proceeding 64 Prescribed appliance, medical equipment, clothing DIVISION 4 Application to Vary 65 If insured did not wear or use object before accident 100 Application to vary 66 If insured wore or used object before accident 101 Repealed 67 Cost of repair not to exceed 80% of purchase price 68 Clothing worn at the date of the accident PART XI 69 Replacement General 70 Volunteer giving emergency assistance to the insured 102 Calculation of interest 71 Shoes 103 Manner of service 72 Financial counselling 104 Advances 73 Guardian or trustee PART XII Coming Into Force PART VIII Claims 105 Coming into force 74 Form of application APPENDIX A 75 Medical examination Classes of Employment 76 Medical report ordered in support of review or appeal APPENDIX B Schedule of Permanent Impairments PART IX Indexation of Benefits APPENDIX C 77 CPI not published Calculation of Successive Remainders 78 Change in method of Statistics Canada APPENDIX D 79 to 83 Repealed Grid A. Evaluation Grid of Required Funcational Activities PART X Insurer’s Decisions, Reviews and Appeals Grid B. Evaluation Grid of DIVISION 1 Required Cognitive Activities Mediation 84 Fee for mediation 85 Appointment of mediator 4 A-35 REG 3 PERSONAL INJURY BENEFITS CHAPTER A-35 REG 3 The Automobile Accident Insurance Act PART I Title, Interpretation and Application Title 1 These regulations may be cited as The Personal Injury Benefits Regulations. Interpretation 2(1) In these regulations: (a) “Act” means The Automobile Accident Insurance Act; (b) “Appendix” means an Appendix to these regulations; (b.01) “attendant” means a person who, on the advice of a duly qualified medical practitioner, is required to stay present with an insured on a temporary basis at a private residence; (b.1) “business revenues” means the revenues allocated to an insured who is self-employed according to his or her ownership interest; (c) “catastrophic injury” means: (i) paraplegia or quadriplegia within the meaning of Division 2, Subdivision 2, Part 1 or Part 2 of the Schedule of Permanent Impairments; (ii) amputation resulting in two or more impairments within the meaning of: (A) Division 1, Subdivision 1, Parts 1, section 1.1 of the Schedule of Permanent Impairments; or (B) Division 1, Subdivision 2, Part 1, section 1.1 or Part 2, section 2.1 of the Schedule of Permanent Impairments; (iii) total loss of functional vision within the meaning of Division 4 of the Schedule of Permanent Impairments resulting in an impairment of 80% or more of the entire visual system; (iv) a functional alteration of the brain within the meaning of Division 2, Subdivision 1, Parts 4.6, 4.7 and 4.8 of the Schedule of Permanent Impairments resulting in a combined impairment of 50% or more; (v) a total impairment of 80% or more calculated using the Table of Combined Value Impairment Rating based on a combination of one or more of the following from the Schedule of Permanent Impairments: (A) those impairments identified in subclauses (i) to (iv); (B) a Division 1, Subdivision 1, Part 2.1 or 3.1(a) impairment; (C) a Division 1, Subdivision 2, Part 3.1 impairment; (D) a Division 2, Subdivision 2, Part 3 impairment; (E) an impairment of 50% or more from Division 4; 5 PERSONAL INJURY BENEFITS A-35 REG 3 (F) an impairment of 30% or more from Division 2, Subdivision 1, Parts 4.6, 4.7 and 4.8; (G) an impairment of 30% or more from Division 2, Subdivision 1, Parts 4.1 and 4.2; (d) “educational institution” means: (i) a school within the meaning of The Education Act; (ii) a technical or vocational school; (iii) a university or college; (iv) any other educational institution designated by the Lieutenant Governor in Council of a province or territory of Canada pursuant to the Canada Loans Act as a specified educational institution for the purposes of that Act; (v) an institution in another province or territory of Canada or the United States that is in the opinion of the insurer similar to one mentioned in subclauses (i) to (iv); (vi) an institution recognized by the Minister of Education of the Province of Quebec for the purposes of An Act respecting Financial Assistance for Educational Expenses (Quebec); or (vii) an institution certified by the Minister of Employment and Social Development to be an educational institution providing courses, other than courses designed for university credit, that furnish a person with skills for an occupation, or that improve a person’s skills in an occupation; (d.1) “extraordinary costs” means a cost attributable to the insured’s bodily injury caused by a motor vehicle; (e) “net business income” means the business revenues allocated by the insurer to self-employment less any expense that relates to that revenue and that is allowed pursuant to the Income Tax Act (Canada) and The Income Tax Act, 2000, but does not include: (i) any capital cost allowance or allowance on eligible capital property; (ii) any capital gain or loss; (iii) any loss deductible pursuant to section 111 of the Income Tax Act (Canada); or (iv) any mandatory or optional inventory adjustments pursuant to section 28 of the Income Tax Act (Canada); (f) “primary employment” means: (i) an employment that the insured holds as a self-employed earner in which the insured earns his or her greatest net business income; or (ii) if the insured earns the same amount of net business income from two or more employments that the insured holds as a self-employed earner, the employment selected by the insured; 6 A-35 REG 3 PERSONAL INJURY BENEFITS (g) “seasonal employment” means recurring employment with periods of unemployment or lay-off either: (i) with one employer; or (ii) at one type of employment; (h) “significant influence shareholder” means a shareholder in a private corporation who: (i) holds 20% or more of the voting rights in the corporation; and (ii) can demonstrate an active, authoritative influence over the day-to-day financial and administrative operations of the corporation; (i) “specialized equipment” means equipment that: (i) is unique to a particular employment or profession; and (ii) requires specialized skills, knowledge or qualifications to operate that cannot be readily acquired. (2) Repealed. 23 Dec 2016 SR 99/2016 s3. (3) For the purposes of sections 41.15, 41.16 and 41.17 of the Act, “insured” and “Part VII beneficiary” includes a non-resident who: (a) is involved in an accident in Saskatchewan; and (b) would be entitled to benefits pursuant to Part VIII of the Act but for an agreement between the insurer and the government or agency of the government of the place of residence of the injured non-resident. (4) For the purposes of clauses 113(5)(b) and 113(6)(a), subsection 113(7), section 114, clauses 144(1)(b) and 144(2)(b) and subsection 144(3) of the Act, “year”,with respect to determining an individual’s income, means: (a) in the case of an employed person, calendar year; and (b) in the case of a self-employed person, the fiscal period of the person’s business ending in that year. (5) For the purposes of sections 126 and 131 of the Act, an insured is deemed to be able to perform the activities of daily living when that insured can perform the activities identified in Appendix D. (6) The following vehicles are prescribed motor vehicles for the purposes of subclause 101(2)(b)(vii) of the Act: (a) a golf cart as defined in The Registration Exemption and Reciprocity Regulations, 2014; (b) a power-assisted bicycle as defined in The Vehicle Equipment Regulations, 1987; (b.1) a limited speed motor vehicle as defined in The Limited Speed Motor Vehicle Regulations; (c) every non-highway motor vehicle. 7 PERSONAL INJURY BENEFITS A-35 REG 3 (7) For the purposes of subsection (6), “non-highway motor vehicle” means a member of a class of motor vehicles that cannot be operated on a highway because, as a result of their design and construction, they do not meet the requirements of The Vehicle Equipment Regulations, 1987, but does not include any of the following motor vehicles: (a) a fire engine or a fire department apparatus, including a command bus, water truck or any other vehicle used to support firefighting at the scene of a fire; (b) a motor vehicle for which a permit or certificate of registration has been issued in another jurisdiction. (7.1) For the purposes of subsection 101(3) of the Act, “a motor vehicle in motion” does not include the motor vehicles mentioned in or prescribed pursuant to clause 101(2)(b). (8) For the purposes of Division 4 of Part VIII of the Act and these regulations: (a) “self-employed” and ”self-employment” means, with respect to an insured, the state of being a significant influence shareholder or carrying on business by way of a proprietorship or partnership; and (b) “self-employed earner” means an insured who is a significant influence shareholder or who carries on business by way of a proprietorship or partnership. (9) For the purposes of subclause 2(1)(ii)(x) of the Act, a nurse practitioner is a prescribed practitioner. 23 Aug 2002 SR 70/2002 s3; 10 Jan 2003 SR 121/2002 s3; 24 Aug 2007 SR 73/2007 s3; 7 Sep 2007 SR 79/2007 s2; 6 Jne 2014 SR 43/2014 s2; 4 Jly 2014 SR 59/2014 s2; 23 Dec 2016 SR 99/2016 s3; 7 May 2021 SR 43/2021 s3; 5 May 2023 SR 29/2023 s2. Application of regulations 3 These regulations apply to Part VIII of the Act. 13 Jan 95 cA-35 Reg 3 s3. Industrial average wage not published 4(1) For the purposes of subsection 137(2) of the Act, where no figure for the industrial aggregate average weekly earnings for all employees in Saskatchewan is published by Statistics Canada for a month, the insurer shall determine a figure for that month in accordance with the following formula: S M = 12 where: M is the industrial aggregate average weekly earnings for that month; and S is the sum of the industrial aggregate average weekly earnings, as published by Statistics Canada, for the 12 months preceding that month. 8 A-35 REG 3 PERSONAL INJURY BENEFITS (2) The insurer may adjust the amount calculated pursuant to this section to take account of any exceptional circumstances that occurred during the 12 months preceding the month for which the amount is being calculated. 13 Jan 95 cA-35 Reg 3 s4; 23 Aug 2002 SR 70/2002 s4. Change in method by Statistics Canada 5(1) For the purposes of subsection 137(3) of the Act, the insurer shall determine a figure for the industrial aggregate average weekly earnings based on the lower of the actual change created by the new method and the average of the new method and former method for the 12-month period prior to the introduction of the new method. (2) After the new method has been utilized by Statistics Canada for 12 months, the insurer shall calculate a figure based on the new method. 13 Jan 95 cA-35 Reg 3 s5; 23 Aug 2002 SR 70/2002 s5. PART II Residence and Structured Compensation Orders Person resident in Saskatchewan 6 For the purposes of the Act and these regulations, “person resident in Saskatchewan” means: (a) in the case of an individual, an individual who is lawfully entitled to be or remain in Canada and who makes a home or is ordinarily resident in Saskatchewan, but does not include: (i) a student from another province or territory of Canada, unless that student has established a residence in Saskatchewan; or (ii) a student from a country other than Canada; (b) in the case of a corporation, a corporation that has its head office in Saskatchewan. 13 Jan 95 cA-35 Reg 3 s6. Loss of status as resident 7 A person resident in Saskatchewan loses that status: (a) as soon as that person maintains a residence outside Saskatchewan; (b) where that person is absent from Saskatchewan for more than 12 consecutive months, from the last day of the 12th month following the date of that person’s departure from Saskatchewan; or (c) as soon as that person leaves Saskatchewan having manifested a clear intention to cease to reside in Saskatchewan. 13 Jan 95 cA-35 Reg 3 s7. 9 PERSONAL INJURY BENEFITS A-35 REG 3 Retention of status 8(1) Notwithstanding section 7, a person resident in Saskatchewan retains that status in the following circumstances: (a) the person is registered as a student on a full-time basis in an educational institution and is pursuing a program of studies outside Saskatchewan; (b) the person is staying outside Saskatchewan as a full-time, unpaid trainee at a university, an institution affiliated with a university, a research institute or a governmental or international agency; (c) the person is outside Saskatchewan in the employ of the Government of Saskatchewan or an agency of that government, unless the person establishes a permanent residence outside of Saskatchewan; (d) the person is staying outside Saskatchewan for fewer than 12 consecutive months if: (i) his or her spouse and minor children remain in Saskatchewan or he or she maintains a residence in Saskatchewan; and (ii) the purpose of the stay is to assume a temporary employment or fulfil a contract; (e) the person is ordinarily resident in Saskatchewan for at least 183 days per year. (2) Notwithstanding section 7, if a person resident in Saskatchewan leaves Saskatchewan to establish his or her ordinary residence in another province or territory of Canada or in a state of the United States and that person is designated as the owner of a vehicle in a valid certificate of registration for that vehicle issued pursuant to The Vehicle Administration Act, that person retains his or her status as a person resident in Saskatchewan until he or she is required by the laws of the other province, territory or state to have the vehicle registered or licensed in that other province, territory or state. (3) The spouse and any minor child of a person mentioned in subsection (1) or (2) having the status of a person resident in Saskatchewan retain that status while they accompany and reside with the person. 13 Jan 95 cA-35 Reg 3 s8. Status of minor child 9 A minor child is presumed to be a person resident in Saskatchewan where the person with whom he or she usually lives is a person resident in Saskatchewan. 13 Jan 95 cA-35 Reg 3 s9. 10 Repealed. 23 Dec 2016 SR 99/2016 s4. 11 Repealed. 23 Dec 2016 SR 99/2016 s5. Time limited appeals to court or appeal commission 11.1(1) An appeal to the Court of Queen’s Bench pursuant to section 107, 109 or 177 of the Act is to be commenced in the manner set out in section 192 of the Act. (2) An appeal to the appeal commission pursuant to section 107, 109 or 177 of the Act is to be commenced in the manner set out in section 193 of the Act. (3) All appeals mentioned in this section are subject to the rules set out in Divisions 11 and 11.1 of Part VIII of the Act and in these regulations. 10 Jan 2003 SR 121/2002 s4. 10 A-35 REG 3 PERSONAL INJURY BENEFITS PART III Rehabilitation Rehabilitation – treatment 12(1) Subject to subsections (2) to (5), for the purpose of section 112 of the Act, a measure, program or treatment that meets the requirements described in subsection (2) is deemed to be: (a) necessary or advisable to contribute to the rehabilitation of the insured; (b) necessary or advisable to lessen the insured’s disability caused by the accident; or (c) necessary or advisable to facilitate the insured’s recovery from the accident. (2) A measure, program or treatment is deemed to be necessary or advisable as set out in subsection (1) if a practitioner provides the insurer with a written report that establishes to the satisfaction of the insurer that an insured exhibits objective clinical evidence that ongoing use or application of a specific measure, program or treatment is required to: (a) lessen the insured’s disability; or (b) facilitate the insured’s recovery. (3) For the purposes of subsection (2), a measure, program or treatment is deemed to ‘lessen the insured’s disability’ or ‘facilitate the insured’s recovery’ if: (a) the insured has not reached a maximum level of recovery and further measures, programs or treatments are required to improve the insured’s ability to function either physically or mentally; or (b) the insured has reached his or her maximum medical improvement, but follow-up measures, programs or treatments are required to address a decline in the insured’s physical or mental ability to function. (4) A measure, program or treatment described in subsection (5) is deemed not to be: (a) necessary or advisable to contribute to the rehabilitation of the insured; (b) necessary or advisable to lessen the insured’s disability caused by the accident; or (c) necessary or advisable to facilitate the insured’s recovery from the accident. (5) A measure, program or treatment is deemed not to be necessary or advisable for the purposes of subsection (4) if: (a) its purpose or effect is to support the insured’s general well-being or maintain the insured’s optimum health; (b) it is not established as either effective or safe in the evidenced-based literature; or (c) its application, duration or frequency is at the discretion of the insured. 23 Dec 2016 SR 99/2016 s6. 11 PERSONAL INJURY BENEFITS A-35 REG 3 Rehabilitation expenses 12.1 If the insurer considers it necessary or advisable to contribute to the rehabilitation of the insured, to lessen an insured’s disability or facilitate an insured’s recovery, the insurer may provide the insured with one or more of the following: (a) funds: (i) to acquire, once during the insured’s life, one motor vehicle that is equipped to be used by the insured; or (ii) to reimburse the insured for extraordinary costs required to adapt a motor vehicle for the use of the insured; (b) in addition to the funds mentioned in clause (a), funds to reimburse the insured for extraordinary costs required to purchase or adapt a subsequent vehicle that is equipped to be used by the insured; (c) funds to reimburse the insured for extraordinary costs required: (i) Repealed. 6 Sep 2024 SR 69/2024 s2. (ii) to alter the insured’s principal residence; (iii) if alteration of the insured’s principal residence is not practical or feasible, to relocate the insured; or (iv) to alter the plans for the construction of a residence that is being planned or constructed for the insured at the date of the accident; (d) funds to reimburse the insured for extraordinary costs required to alter the insured’s principal residence, if the insured is moving: (i) to accommodate: (A) an approved academic or rehabilitation plan; or (B) employment; or (ii) as a result of a change in health or family circumstances; (d.1) funds to reimburse the insured for extraordinary costs required to relocate the insured’s principal residence, if the insured is moving to accommodate: (i) an approved academic or rehabilitation plan; or (ii) employment; (e) funds to reimburse the insured for acquiring any or all of the following: (i) wheelchairs and accessories; (ii) mobility aids and accessories; (iii) medically required beds, equipment and accessories; (iv) specialized medical supplies; (v) communication and learning aids; (vi) specialized bath and hygiene equipment; 12 A-35 REG 3 PERSONAL INJURY BENEFITS (vii) specialized kitchen and homemaking aids; (viii) cognitive therapy devices; (f) funds to pay for the insured’s occupational, educational or vocational rehabilitation if the rehabilitation is consistent with the insured’s occupation before the accident and his or her skills and abilities after the accident; (g) if the insurer provides funding to the insured for the purchase of equipment or mobility aids pursuant to this section or section 112 of the Act, funds to reimburse the insured for: (i) the cost required to repair or maintain the equipment or mobility aids if the repair or maintenance is required as a result of the ordinary use of the equipment or mobility aids by the insured; (ii) repairs to the insured’s principal residence or vehicle if there is damage to the insured’s principal residence or vehicle as a result of the ordinary use of the equipment or mobility aids by the insured; and (iii) extraordinary costs for utilities attributable to the operation of equipment or mobility aids at the insured’s principal residence; (h) subject to section 12.2, funds to reimburse an attendant for: (i) lost earnings and any actual and reasonable childcare expenses incurred by the attendant; and (ii) meals and lodging expenses if the attendant is required to accompany the insured so that the insured can receive medical or paramedical care. 23 Dec 2016 SR 99/2016 s6; 7 May 2021 SR 43/2021 s4; 6 Sep 2024 SR 69/2024 s2. Lost earnings, childcare expenses, meals and lodging expenses 12.2(1) Lost earnings reimbursed pursuant to subclause 12.1(h)(i) must be reduced by any other compensation or benefits for lost earnings that the attendant is entitled to as a result of attending on an insured. (2) An attendant is entitled to be reimbursed for childcare expenses pursuant to subclause 12.1(h)(i) if the attendant becomes unable, as a result of attending on an insured, to care for persons who, at the date of the accident: (a) are under 16 years of age; or (b) would qualify for a tax credit pursuant to section 118.3 of the Income Tax Act (Canada) for a mental or physical impairment. (3) Section 15.1 applies, with any necessary modification, to the calculation of childcare expenses reimbursed pursuant to subclause 12.1(h)(i). (4) Section 46 applies, with any necessary modification, to meals and lodging expenses reimbursed pursuant to subclause 12.1(h)(ii). (5) An attendant who is reimbursed pursuant to subclause 12.1(h)(i) is not entitled to be reimbursed pursuant to section 160 of the Act. (6) The maximum aggregate benefit payable pursuant to clause 12.1(h) is $30,000. 7 May 2021 SR 43/2021 s5. 13 PERSONAL INJURY BENEFITS A-35 REG 3 Insurer’s consent to expense 13(1) A insured shall not incur an expense mentioned in section 112 of the Act or section 12.1 without obtaining the prior consent of the insurer. (2) Before making a payment pursuant to section 112 of the Act or section 12.1, the insurer may require a insured to provide the insurer with any information the insurer reasonably requires for the purposes of this section, and the insured shall provide that information. 13 Jan 95 cA-35 Reg 3 s13; 23 Aug 2002 SR 70/2002 s7; 7 May 2021 SR 43/2021 s6. PART IV Income Replacement Benefits DIVISION 1 Employment Meaning of unable to hold employment 14 For the purposes of the Act, an insured is unable to hold employment if a bodily injury that was caused by the accident renders the insured entirely or substantially unable to perform the essential duties of the employment that the insured: (a) performed at the date of the accident; or (b) would have performed but for the accident. 23 Aug 2002 SR 70/2002 s8. Meaning of unable to take care 15(1) For the purposes of sections 119 and 120 of the Act, the insured is unable to take care of a person if a bodily injury that was caused by the accident renders the insured entirely or substantially unable to perform the essential duties that the insured performed in taking care of the person at the date of the accident. (2) A benefit pursuant to section 119 or 120 of the Act only entitles the insured to be reimbursed for those duties the insured performed before the accident and is unable to perform as a result of the accident. 23 Aug 2002 SR 70/2002 s8. Calculation of benefits to provide for the care of persons 15.1(1) For the purposes of subsection 120(2) of the Act, the maximum hourly benefit is the minimum wage established pursuant to Part II of The Saskatchewan Employment Act. (2) Notwithstanding subsection (1), the weekly benefit paid to the insured must not exceed a maximum weekly amount of $425. (3) The maximum hourly benefit pursuant to subsection (1) must be adjusted on January 1 of each year in accordance with any increase or decrease in the minimum wage as established pursuant to Part II of The Saskatchewan Employment Act that is in force as of the date of the adjustment. 23 Dec 2016 SR 99/2016 s7. 14 A-35 REG 3 PERSONAL INJURY BENEFITS Meaning of employment being available 16 For the purposes of clause 134(1)(d) of the Act, an employment is available in the jurisdiction in which the insured resides if, at the time the insurer determines an employment for the insured: (a) the employment is being performed or is about to be performed by the insured; or (b) the employment or the category of employment exists and is likely to continue as an employment or category of employment within the foreseeable future. 23 Aug 2002 SR 70/2002 s8. Meaning of “student” 16.1 For the purposes of the Act, “student” means an insured who, at the date of the accident: (a) is under 16 years of age; or (b) is admitted to, registered in or attending an elementary, secondary or post-secondary educational institution on a full-time basis, but does not include an insured who, at the date of the accident, is admitted to, registered in or attending a course or program that either does not lead to a diploma, degree or certificate or lasts less than 26 weeks in a 12-month period. 23 Dec 2016 SR 99/2016 s8. Meaning of “full-time basis” 16.2 For the purposes of sections 120 and 121 of the Act and section 16.1 of these regulations, “full-time basis” means the insured is a student and is: (a) admitted to, registered in or attends an educational institution; (b) a full-time student as defined by the educational institution; (c) attending classes at the educational institution on a regular basis; (d) has not abandoned his or her current studies; and (e) has not been suspended or expelled from the educational institution. 23 Dec 2016 SR 99/2016 s8. DIVISION 2 Determination of Employment Income YEI not derived from self-employment 17(1) In this section, “work cycle” means the length of time or the number of hours of work, as determined by the insured’s employer, that an insured must complete to earn the insured’s regular salary or wages. 15 PERSONAL INJURY BENEFITS A-35 REG 3 (2) Subject to any other provision of these regulations, the insured’s yearly employment income not derived from self-employment at the date of the accident is to be calculated on the sum of the following: (a) the greater of: (i) the salary or wages regularly payable, excluding the benefits or commissions mentioned in clauses (b) and (c), earned in the work cycle immediately prior to the accident in which the insured is entitled to an income replacement benefit multiplied by the number of work cycles in a normal 12-month period; (ii) the salary or wages regularly payable, excluding the benefits or commissions mentioned in clauses (b) and (c), earned in the 12 months before the accident; and (iii) the salary or wages regularly payable, excluding the benefits or commissions mentioned in clauses (b) and (c), earned or to be earned in each work cycle in the first 180-day period after the accident in which the insured is entitled to an income replacement benefit multiplied by the number of work cycles in a normal 12-month period; (b) any of the following benefits, to the extent that the benefit is not received as a result of the accident and to the extent the benefit is regularly payable to the insured: (i) a bonus earned in the 12-month period prior to the accident; (ii) tips, in the amount that is the greater of: (A) the amount reported in the insured’s personal income tax return in the calendar year before the accident; and (B) the amount reported in the insured’s personal income tax return for the calendar year in which the accident occurred; (iii) remuneration for overtime hours that is earned in the 12-month period prior to the accident; (iv) the cash value from a profit-sharing plan allocation earned in the 12-month period prior to the accident; (v) the value of the personal use of a motor vehicle provided by an employer at the date of the accident, in the amount reported in the insured’s personal income tax return in the calendar year before the accident or, if no amount was reported, in an amount calculated pursuant to paragraph 6(1)(e) of the Income Tax Act (Canada) as an annualized benefit; (vi) the cash value of premiums of employer funded benefit plans paid to the insured in the 12-month period prior to the accident; (vii) the cash value of any other benefit received or that the insured was entitled to receive in the 12-month period prior to the accident, excluding employer funded benefit plans; (c) commissions, in the amount that is the greatest of the commissions earned or to which the insured was entitled: (i) for the 12-month period prior to the accident; 16 A-35 REG 3 PERSONAL INJURY BENEFITS (ii) for the calendar year prior to the accident; or (iii) for the three calendar years prior to the accident divided by three. (3) Notwithstanding clauses (2)(b) and (c), if an insured did not hold the employment held at the date of the accident in the 12 months before the accident and the insured can prove that he or she would have earned in the year after the accident a regular benefit or commission, the insurer shall include that benefit or commission in the calculation of the insured’s yearly employment income. (4) Notwithstanding clause (2)(a), the yearly employment income for an insured for the first 180-day period after the accident: (a) must be calculated on the hours of work the insured would have held and on the rate of pay the insured would have earned in the first 180-day period after the accident; and (b) must only be paid to the insured for that period of time the insured would have been employed in the first 180-day period after the accident. 23 Aug 2002 SR 70/2002 s8; 10 Jan 2003 SR 121/2002 s5. YEI derived from self-employment 18(1) In this section and in section 26: (a) “fiscal year” means the insured’s fiscal year; (b) “fixed costs” means the following costs to the extent they are actually incurred by the insured at the time his or her income replacement benefit is calculated: (i) business taxes; (ii) business licensing fees; (iii) interest charges on mortgages or loans for land, buildings, vehicles or equipment necessary for the insured’s business; (iv) rental or leasing fees; (v) lease cancellation costs; (vi) insurance costs; (vii) property taxes. (2) The insured’s yearly employment income derived from self-employment that was carried on at the date of the accident is the greatest amount of net business income that the insured earned within the following periods: (a) the 12 months before the accident; (b) the fiscal year before the year prior to the accident; (c) if the insured has been self-employed for not less than two fiscal years before the date of the accident, the two fiscal years before the year prior to the accident divided by two; (d) if the insured has been self-employed for not less than three fiscal years before the date of the accident, the three fiscal years before the year prior to the accident divided by three. 17 PERSONAL INJURY BENEFITS A-35 REG 3 (3) For the purposes of subsection (2): (a) the insured’s net business income must be determined in accordance with generally accepted accounting principles; and (b) the net business income for each period set out in subsection (2) must be calculated in a consistent manner. (4) Subject to subsections (5) and (6) and section 26, in calculating the insured’s yearly employment income, the insurer shall add back all fixed costs actually required to be paid by the insured at the date of the accident if the insured’s yearly employment income is: (a) determined on the basis of the insured’s actual net business income; and (b) the insured is required to suspend or wind-up the business as a result of the accident. (5) The insured’s fixed costs are only to be considered in determining the insured’s yearly employment income for the first 12 months following the accident. (6) If an insured has an opportunity to reduce his or her fixed costs and the insured fails to do so, the insurer may reduce the benefit for those fixed costs by the amount of any reduction or refund the insured would have been entitled to receive had the insured properly mitigated his or her loss. (7) If the insurer is not satisfied that the calculation of employment income from self-employment provided by the insured for the purposes of clause (2)(a) is accurate or complete or is useful for the purposes of determining whether the insured is entitled to benefits pursuant to Part VIII of the Act, the insurer may require the insured to prepare and submit a new calculation of employment income from self- employment that is prepared by an accountant who is a member of a recognized accounting profession that is regulated by an Act. (8) If the insurer requires an insured to submit a new calculation of employment income from self-employment pursuant to subsection (7), the insurer shall reimburse the insured for the fees charged by the accountant to a maximum of $1,000. 23 Aug 2002 SR 70/2002 s8; 24 Aug 2007 SR 73/2007 s4. YEI for classes of employment 19(1) The classes of employment and the corresponding yearly employment incomes set out in Appendix A apply to the following provisions of the Act: (a) subclause 113(3)(b)(i); (b) clause 113(7.1)(c); (c) subclause 122(2)(c)(i); (d) clause 144(3.1)(c). (2) The yearly employment income set out in Appendix A applies to an insured if the insurer determines an employment of a class set out in that Appendix for the insured pursuant to subsection 119(4) or section 132 or 133 of the Act. 23 Aug 2002 SR 70/2002 s8; 23 Dec 2016 SR 99/2016 s9. 18 A-35 REG 3 PERSONAL INJURY BENEFITS YEI for determined employment 20(1) If, pursuant to subsection 119(4), section 132 or 133 of the Act, the insurer determines the insured into an employment that the insured held in the two years prior to the accident, the insured’s yearly employment income must be calculated on the basis of the average yearly employment income the insured earned in the two years prior to the accident including any benefits received pursuant to: (a) the Employment Insurance Act (Canada); (b) an employment disability plan; and (c) The Workers’ Compensation Act, 1979 or any other Act, or any legislation of any other jurisdiction, that relates to the compensation of persons injured in accidents. (2) If the insured did not hold the employment determined for the insured in the two years prior to the accident, the yearly employment income is the yearly employment income set out in Appendix A. 23 Aug 2002 SR 70/2002 s8. Reduction of YEI in certain cases 21(1) In this section, “full-time employment” means a person is: (a) employed at one employment for not less than 30 hours, not including overtime hours, in each week of the 12-month period prior to the accident; or (b) employed at one employment: (i) for at least 30 hours per week, not including overtime hours; and (ii) for successive or intermittent periods of not less than eight months and with intervals of not more than four months between those periods. (2) If the insured’s yearly employment income is determined on the basis of the class of employments pursuant to section 19 or 20 and the insured is not determined into a full-time employment, the yearly employment income attributed to the insured must be reduced in accordance with the formula set out in subsection (4). (3) Notwithstanding section 19, for the purpose of calculating the insured’s yearly employment income pursuant to subclauses 113(3)(b)(i) and 122(2)(c)(i) of the Act, if the insured has been self-employed for 3 years or more, the insured’s yearly employment income determined in accordance with the classes of employment set out in Appendix A must not exceed business revenues. (4) The reduced yearly employment income mentioned in subsection (2) is the amount R calculated in accordance with the following formula: R = YEI x N 30 where: YEI is the yearly employment income determined pursuant to section 19 or 20; and N is the number of hours the insured is working or can work, as the case may be, on a weekly basis. 23 Aug 2002 SR 70/2002 s8; 23 Dec 2016 SR 99/2016 s10. 19 PERSONAL INJURY BENEFITS A-35 REG 3 DIVISION 3 Computation of Net Income Calculation of net income 22(1) In this section: (a) “taxable income” means an insured’s yearly employment income less any amount of yearly employment income that would have been exempt from the insured’s income tax pursuant to paragraph 81(1)(a) of the Income Tax Act (Canada) as that paragraph existed at the date of the accident; (b) “yearly employment income” means an insured’s yearly employment income calculated pursuant to section 17 or 18 of these regulations. (2) In these regulations, the net income of an insured is the insured’s yearly employment income less all of the following deductions: (a) any income tax payable by the insured calculated pursuant to subsection (3); (b) any premiums payable by the insured respecting employment insurance calculated pursuant to subsection (4); (c) any contributions payable by the insured pursuant to the Canada Pension Plan calculated pursuant to subsection (5). (3) For the purposes of clause (2)(a), income tax payable by an insured is the amount payable in accordance with the Income Tax Act (Canada) and The Income Tax Act, 2000 for the insured’s taxable income allowing only the following credits: (a) the credits allowed pursuant to section 118.7 of the Income Tax Act (Canada) and section 28 of The Income Tax Act, 2000, where “B” in section 118.7 of the Income Tax Act (Canada) is the total of: (i) the premium payable by the insured mentioned in clause (2)(b); and (ii) the contributions payable pursuant to the Canada Pension Plan mentioned in clause (2)(c); (b) the credits allowed in: (i) sections 11, 12, 13, 14, 15, 17, 19, 20, 23 and 29 of The Income Tax Act, 2000; and (ii) subsections 118(1) and (2) and sections 118.3 and 118.8 of the Income Tax Act (Canada). (4) For the purposes of clause (2)(b), the premiums payable by the insured are the yearly contributions payable pursuant to the Employment Insurance Act (Canada) that an insured would be obligated to pay if the insured’s yearly employment income was considered insurable earnings pursuant to that Act, and those premiums: (a) must be based on the rate established at the time the insured’s net income is calculated; and (b) must not exceed the maximum amount payable pursuant to that Act. 20 A-35 REG 3 PERSONAL INJURY BENEFITS (5) For the purposes of clause (2)(c), the contributions payable by the insured are the yearly contributions payable pursuant to the Canada Pension Plan that an insured would be obligated to pay if the insured’s yearly employment income was considered pensionable earnings pursuant to that Act, and those contributions: (a) must be based on the rate established at the time the insured’s net income is calculated; and (b) must not exceed the maximum amount payable pursuant to that Act. (6) For the purpose of determining an insured’s net income, the amounts of the deductions mentioned in clauses (2)(a) to (c) must be deducted from the insured’s yearly employment income in the manner set out in these regulations whether or not the insured: (a) has already deducted and paid those amounts; or (b) is obligated by law to deduct those amounts and has yet to pay those amounts. 24 Aug 2007 SR 73/2007 s5. DIVISION 4 Substitute Worker’s Benefits Election to change benefits 23(1) This section applies to an insured if: (a) the insured: (i) is receiving a substitute worker benefit or a family enterprise benefit; and (ii) elects to receive an income replacement benefit; and (b) the insurer has paid the substitute worker benefit or family enterprise benefit mentioned in clause (a) in the manner required pursuant to either subsection 117(3) or 118(4) of the Act, as the case may be. (2) In the circumstances mentioned in subsection (1), the insured is not entitled to receive a weekly income replacement benefit until the amount paid by the insurer to the insured pursuant to subsection 117(3) or 118(4) of the Act is equal to the amount that would have been paid to the insured as an income replacement benefit had that insured initially elected to receive an income replacement benefit. 23 Aug 2002 SR 70/2002 s8. 21 PERSONAL INJURY BENEFITS A-35 REG 3 DIVISION 5 Lump Sum Benefit Lump sum benefit 24(1) In this section, “lump sum benefit” means a lump sum benefit payable pursuant to section 128 of the Act. (2) Subject to subsections (3) to (6), the insurer shall set aside for the purposes of a lump sum benefit an amount equal to 10% of the weekly income replacement benefit or substitute worker benefit paid to the insured. (3) The insurer shall set aside an amount pursuant to subsection (2) only after the insured: (a) reaches 18 years of age or older; and (b) has received the following benefits for a period of 24 consecutive months: (i) an income replacement benefit pursuant to section 113, 114, 115, subsection 119(4) or section 123 of the Act; or (ii) a substitute worker benefit pursuant to section 117 of the Act. (4) In calculating the period of 24 consecutive months for the purposes of clause (3) (b), the insurer shall: (a) only count those months that the insured was 18 years of age or older; and (b) not include those months that the insured received a reduced benefit pursuant to section 126, 127 or 135 of the Act. (5) The insurer shall pay the amount set aside pursuant to subsection (2) together with any accrued interest to the insured as a lump sum benefit. (6) The insurer may invest the amount set aside pursuant to subsection (2) in any form or property or security in which a reasonable, prudent investor would invest, including any securities issued by a mutual fund as defined in The Securities Act, 1988 or similar investment. 23 Aug 2002 SR 70/2002 s8. Insurer not liable for loss 25 The insurer is not liable for any loss arising from the investment of the insured’s lump sum benefit pursuant to section 24 if the conduct of the insurer that lead to the loss conformed to a plan or strategy for the investment of the money that included reasonable assessment of risk and return and that a reasonably prudent investor would adopt under similar circumstances. 23 Aug 2002 SR 70/2002 s8. DIVISION 6 Disability Payments 25.1 Repealed. 7 May 2021 SR 43/2021 s7. 22 A-35 REG 3 PERSONAL INJURY BENEFITS PART V Death Benefits Calculation of death benefit 26(1) Notwithstanding any provision to the contrary, in determining a deceased’s yearly employment income pursuant to subsection 144(1), (2), (3.1) or (6) of the Act, the insurer shall not add in any fixed costs. (2) For the purposes of subsection 144(3.1) of the Act, the classes of employment and the corresponding yearly employment incomes set out in Appendix A apply in calculating a deceased’s yearly employment income. (3) If the deceased’s yearly employment income is determined on the basis of the classes of employment mentioned in subsection (2) and the deceased did not hold full-time employment at the date of the accident, the yearly employment income attributed to the deceased pursuant to subsection (2) must be reduced in accordance with the formula set out in subsection 21(4) and that subsection applies, with any necessary modification, to this section. (4) If there is more than one dependant entitled to death benefits pursuant to subsection 145(6) of the Act, the insurer shall calculate and pay the death benefits in accordance with the following rules: (a) the death benefits mentioned in subsection 144(1), (2) or (3.1) of the Act must be calculated on the basis of the youngest dependant being considered the surviving spouse;

(b) the death benefits payable in clause (a) are payable until the youngest dependant reaches 21 years of age and each dependant is entitled to an equal share of the death benefits as long as that dependant remains under 21 years of age; (c) the death benefits mentioned in subsection 144(6) of the Act must be calculated on the number of dependants, not including the youngest, and must be paid until the second youngest reaches 21 years of age; (d) a dependant is entitled to an equal share of the death benefits mentioned in clause (c) as long as that dependant remains under 21 years of age. (5) Repealed. 24 Aug 2007 SR 73/2007 s6. 23 Aug 2002 SR 70/2002 s8; 25 Jne 2004 SR 48/2004 s2; 24 Aug 2007 SR 73/2007 s6; 23 Dec 2016 SR 99/2016 s12. Dependant benefits 27 For the purposes of subsection 144(7) of the Act, the minimum weekly benefit payable to the surviving spouse pursuant to subsection 144(6) of the Act is as follows: (a) $30, for one dependant; (b) $54, for two dependants; (c) $63, for three dependants; (d) $72, for four or more dependants. 23 Dec 2016 SR 99/2016 s13. 23 PERSONAL INJURY BENEFITS A-35 REG 3 Method of capitalization for surviving spouse’s benefit 28 For the purposes of section 146 of the Act, the insurer shall determine the capitalized value of the surviving spouse’s death benefit based on the standard mortality tables published by Statistics Canada using a discount rate of 3% per year. 23 Aug 2002 SR 70/2002 s8. Educational Benefit for surviving spouse 29(1) To be eligible for an educational benefit, a surviving spouse must apply within five years from the date of the accident. (2) An educational benefit must be used to reimburse the surviving spouse for the following expenses incurred by the surviving spouse to attend an educational institution: (a) tuition fees; (b) required books or other course material; (c) child care; (d) housing expenses if the surviving spouse is required to maintain more than one residence in order to attend an educational institution. (3) A surviving spouse is not eligible for more than 25% of the maximum educational benefit payable in any one calendar year. (4) The insurer may exempt a surviving spouse from subsection (2) or increase the educational benefit payable above the maximum amount set pursuant to subsection (3) if the insurer is satisfied that doing so is reasonably required by the surviving spouse. 23 Aug 2002 SR 70/2002 s8. 30 to 35 Repealed. 23 Aug 2002 SR 70/2002 s8. PART VI Permanent Impairment Benefits Compensation for permanent impairment based on Appendix B 36 Compensation for permanent impairments is to be determined on the basis of Appendix B. 13 Jan 95 cA-35 Reg 3 s36. 24 A-35 REG 3 PERSONAL INJURY BENEFITS Evaluation of impairment to symmetrical parts of the body 37 Subject to sections 38 and 39 and Appendix B, where a permanent anatomical or physiological deficit resulting from an accident impairs symmetrical parts of the body, or impairs a part of the body that is symmetrical to a part of the body that was permanently impaired before the accident, the percentage of the permanent impairment for that deficit for the purposes of Division 6 of Part VIII of the Act is determined in accordance with the following formula: P = PB + (TB x 0.25) where: P is the percentage to be used pursuant to Division 6 of Part VIII of the Act; PB is the percentage attributed to the deficit arising from the accident; and TB is the total percentage of anatomical or physiological deficits impairing the more severely impaired symmetrical part of the victim’s body. 13 Jan 95 cA-35 Reg 3 s37. Application of section 37 38 Section 37 does not apply to an anatomical or physiological deficit that: (a) affects an internal organ; (b) affects an organ controlling vision, balance or hearing; or (c) results from an injury to the central nervous system. 13 Jan 95 cA-35 Reg 3 s38. Percentage fixed for deficit existing before accident 39 For the purposes of section 37, the percentage of an anatomical or physiological deficit existing before an accident is to be determined using Appendix B or, if the anatomical or physiological deficit does not appear in Appendix B, by using Appendix B as a guideline. 13 Jan 95 cA-35 Reg 3 s39. Computation of more than one permanent impairment 40(1) In calculating the percentage of permanent impairment to be assigned to an insured who has more than one impairment: (a) the impairments within each subdivision of a particular Division in Appendix B are to be added together; or (b) if a Division in Appendix B has no separate subdivision, the impairments within the Parts of a Division are to be added together. (2) Subject to subsection (2.1), if an insured has more than one impairment as calculated in the manner set out in subsection (1), the percentage of the most severe impairment must be computed on the basis of 100% and the percentage of the other impairments, starting with the highest, must be computed in accordance with the Table as set out in the Combined Value Impairment Rating as found in Appendix C. 25 PERSONAL INJURY BENEFITS A-35 REG 3 (2.1) For the purposes of subsection (2), the percentage of an impairment pursuant to Division 12, Subdivision 2 of the Schedule of Permanent Impairments must be computed last. (3) Before using the Table in accordance with subsection (2), the insurer shall round the percentage of impairment within each subdivision or Division, as the case may be, to the nearest percentage. 24 Aug 2007 SR 73/2007 s7; 23 Dec 2016 SR 99/2016 s14. Section 40 not to be applied to percentage based on enhancement factor 41 Section 40 does not apply to the percentage obtained by applying the enhancement factor mentioned in section 37. 13 Jan 95 cA-35 Reg 3 s41. Enhancement factor to be added after computation of combined value impairment rating 42 If sections 36 to 40 apply to the insured, the percentage resulting from the enhancement factor mentioned in section 37 is added to the other percentages of deficits after the combined value impairment rating has been computed pursuant to section 40. 23 Dec 2016 SR 99/2016 s15. PART VII Benefits for Expenses Reimbursement is subject to Appendices and limits 43 An expense for which the insurer may be or is required to reimburse the insured pursuant to Division 7 of Part VIII of the Act or this Part is subject to any limit set out in the Act or these regulations or, if there is no limit as to amount, to an amount that the insurer considers is reasonable. 23 Aug 2002 SR 70/2002 s10. Living assistance benefit 44(1) In this section, “prescribed activity” means an activity set out in section 2 of Grid A or Grid B of Appendix D. (2) Subject to subsections (3) to (6), if an insured is unable because of the accident to care for himself or herself or to perform any prescribed activities and has an expense for living assistance, the insurer shall reimburse the insured for that expense in accordance with Appendix D. 26 A-35 REG 3 PERSONAL INJURY BENEFITS (3) A benefit is not payable pursuant to Grids A and B of Appendix D for a prescribed activity if: (a) an insured requires assistance with less than 25% of the prescribed activity; (b) assistance with the prescribed activity is not required as a result of the insured’s age; (c) assistance with the prescribed activity, including financial assistance, is provided pursuant to any other Act, or by any other health care facility, program or integration facility; (d) the insured did not complete or do the prescribed activity before the accident; or (e) the insured does not require assistance with the prescribed activity for any other reason that the insurer considers reasonable. (4) The maximum benefit amount payable is the amount set out in Grids A and B of Appendix D calculated in the manner prescribed in Appendix D. (5) In calculating the amount payable pursuant to Appendix D, the insurer shall adjust the amount payable for each prescribed activity set out in Grids A and B of Appendix D by the percentage the insured did not perform or complete the whole prescribed activity by himself or herself before the date of the accident. (6) Subject to the market factor as calculated pursuant to subsection 2(7) of Appendix D for the purposes of Grid A, the maximum amount of a living assistance benefit is $1,558 per week. 24 Aug 2007 SR 73/2007 s8; 23 Dec 2016 SR 99/2016 s16; 7 May 2021 SR 43/2021 s8. Meaning of “non-refundable expenses” 44.1(1) For the purposes of section 161 of the Act, “non-refundable expenses” means: (a) expenses that: (i) an insured incurred before the accident for a service or benefit that, as a consequence of the accident, the insured is unable to use; and (ii) that is not refundable to the insured; (b) expenses that an insured incurred after the accident to relocate to or from his or her principal residence if: (i) before the accident, the insured was in the process of moving or was scheduled to move; (ii) before the accident, the insured was participating in or planning to participate in the move by providing physical labour; (iii) the bodily injuries caused by the accident prevent the insured from participating in the move; and (iv) the insured hires workers to perform the components of the move that the insured would have performed but for the accident; 27 PERSONAL INJURY BENEFITS A-35 REG 3 (c) expenses that an insured incurred after the accident to renovate his or her principal residence if: (i) before the accident, the insured was in the process of renovating; (ii) before the accident, the insured was participating in the renovation by providing physical labour; (iii) the bodily injuries caused by the accident prevent the insured from participating in the renovation; (iv) the insured hires workers to perform the components of the renovation that the insured would have performed but for the accident; and (v) having regard to the bodily injuries caused by the accident, the insured’s principal residence will be uninhabitable if the renovation does not proceed. 23 Dec 2016 SR 99/2016 s17. Reimbursement of medical expenses 45(1) The insurer shall reimburse the insured for an expense incurred by the insured to receive medical or paramedical care in the following circumstances: (a) the care is medically required and is dispensed in Saskatchewan by a practitioner; (b) the care is medically required and dispensed outside of Saskatchewan by a practitioner, if the cost of the care would not be reimbursed pursuant to any other Act if the care was dispensed in Saskatchewan. (2) The insurer’s requirement to reimburse the insured pursuant to subsection (1) is limited to the extent to which the insured is not entitled to be reimbursed for the expense pursuant to any other Act or any legislation of any other jurisdiction. 23 Aug 2002 SR 70/2002 s10; 23 Dec 2016 SR 99/2016 s18. Travel, meals and lodging 46 Subject to sections 47 to 54, if the insurer is required to reimburse a person for travel, meal and lodging expenses, the maximum amount the insurer shall reimburse a person is: (a) in the case of ambulance costs, the amount billed; (b) in the case of travel by automobile, 40 cents per kilometre; (c) in the case of meals: (i) for breakfast, $9.30; (ii) for lunch, $13.20; (iii) for dinner, $16.15; 28 A-35 REG 3 PERSONAL INJURY BENEFITS to a maximum of $38.65 per day; (d) in the case of commercial lodging, all expenses the insurer considers reasonable; (e) in the case of private lodging, $23 per day. 23 Dec 2016 SR 99/2016 s19. Persons accompanying 46.1(1) For the purposes of section 160 of the Act, the prescribed expenses for a person accompanying an insured for medical or paramedical care are: (a) actual lost earnings; (b) meals and accommodation subject to the maximum prescribed in section 46; (c) child care expenses to the maximum amount set out in section 119 of the Act if the person’s main occupation is caring for, without remuneration: (i) persons who are under 16 years of age; or (ii) persons who would qualify for a tax credit pursuant to section 118.3 of the Income Tax Act (Canada) for a mental or physical impairment; and (d) child care expenses, if the individual is employed or a student who is attending an educational institution, subject to the maximum amount set out in section 120 of the Act. (2) The maximum aggregate benefit payable pursuant to this section is $30,000. 24 Aug 2007 SR 73/2007 s9; 23 Dec 2016 SR 99/2016 s20; 7 May 2021 SR 43/2021 s9. Critical care 46.2(1) For the purposes of the Act and these regulations, “critical care” means the insured is hospitalized and: (a) the insured has a life-threatening medical condition or will undergo a life-threatening medical procedure; (b) the attendance of another person or persons is required to facilitate medical treatment; or (c) in the opinion of the insurer, the bodily injuries caused by the motor vehicle accident necessitate the attendance of another. (2) For the purposes of section 160.1 of the Act, meals and child care are prescribed expenses. (3) If the insurer reimburses a claimant pursuant to section 160.1 of the Act for transportation, meals or lodging costs, those costs must be reimbursed, subject to any necessary modification, pursuant to sections 46, 49, 50, 51 and 53. 29 PERSONAL INJURY BENEFITS A-35 REG 3 (4) Lost earnings reimbursed pursuant to section 160.1 of the Act must be reduced by any other compensation or benefits for lost earnings that the claimant is entitled to as a result of attending on the insured. (5) If the insurer reimburses a claimant for child care expenses, those expenses must be reimbursed pursuant to subsection 120(2) of the Act and section 15.1 of these regulations, with any necessary modification. 23 Dec 2016 SR 99/2016 s21. Reimbursement for meals, transportation and actual lost wages 46.21(1) For the purposes of section 162.1 of the Act, meals, transportation and actual lost earnings are prescribed expenses. (2) If the insurer reimburses a claimant pursuant to section 162.1 of the Act for meals or transportation, those expenses must be reimbursed, subject to any necessary modification, pursuant to sections 46, 49, 50 and 51. (3) If the insurer reimburses a claimant pursuant to section 162.1 of the Act for actual earnings lost, the reimbursement must be reduced by any other compensation or benefits for lost earnings to which the claimant is entitled as a result of attending counselling. 7 May 2021 SR 43/2021 s10. Leisure and recreation 46.3(1) A benefit provided by the insurer pursuant to section 162.2 of the Act must reimburse the insured for either or both of the following: (a) the extraordinary costs incurred by the insured to fund his or her participation in leisure or recreation activities; (b) if the insured requires a person to accompany him or her, the extraordinary costs necessarily incurred on account of a person accompanying the insured. (2) Before paying a benefit pursuant to section 162.2 of the Act, the insurer may require the insured to provide written confirmation from a practitioner that a leisure or recreation activity is medically appropriate for the insured. 23 Dec 2016 SR 99/2016 s21. Expenses beyond 100 kilometres from the insured’s residence 47(1) If the insured incurs an expense for travel or lodging to receive care at a distance of more than 100 kilometres from the insured’s residence when the care is available within 100 kilometres of the insured’s residence, the insurer shall pay only the expenses for travel, meals or lodging that would have been incurred by the insured if the care had been received within the 100 kilometre radius. 30 A-35 REG 3 PERSONAL INJURY BENEFITS (2) Subsection (1) does not apply to an expense incurred by the insured for transportation from the scene of the accident to a hospital. 23 Aug 2002 SR 70/2002 s10. Ambulance prescribed by physician 48 If a physician requires that the insured be transported by ambulance to receive medical care, the insurer shall reimburse the insured for the expense incurred by the insured for the transportation. 23 Aug 2002 SR 70/2002 s10. Common carrier 49 The insurer shall reimburse the insured for an actual expense incurred by the insured for transportation by a common carrier. 23 Aug 2002 SR 70/2002 s10. Parking and tolls while using private vehicle 50 The insurer shall reimburse the insured for an expense incurred by the insured for parking and tolls, if the expense: (a) is incurred while the insured is using a private vehicle; and (b) the expense is incurred for the purpose of obtaining medical care. 23 Aug 2002 SR 70/2002 s10. Transportation by air 51 The insurer shall reimburse the insured for an expense incurred by the insured for air transportation if: (a) other available means of transportation are inadequate or dangerous because of travel time or road or weather conditions; or (b) air transportation is less expensive than other available means of transportation. 23 Aug 2002 SR 70/2002 s10. Emergency transportation 52 The insurer shall reimburse the insured for an expense incurred by the insured for emergency transportation when circumstances warrant its use. 23 Aug 2002 SR 70/2002 s10. Lodging away from residence 53 The insurer shall reimburse the insured for an expense incurred by an insured for lodging away from the insured’s residence: (a) if the distance between the place where the insured must receive medical care and the residence so warrants; or (b) if the insured’s state of health so warrants. 23 Aug 2002 SR 70/2002 s10. 31 PERSONAL INJURY BENEFITS A-35 REG 3 Telephone calls and television rentals 54(1) The insurer shall reimburse an insured who is hospitalized for expenses incurred by the insured for telephone and television rentals in an amount that the insurer considers reasonable. (2) The insurer shall reimburse an insured who is hospitalized for expenses incurred by the insured for long-distance telephone calls made by the insured in an amount that the insurer considers reasonable. (3) The insurer shall reimburse an insured for an expense incurred by the insured for long-distance telephone calls made by the insured to make an appointment to undergo an examination required pursuant to section 158 of the Act. 23 Aug 2002 SR 70/2002 s10. Prosthesis and orthosis 55(1) Subject to sections 56 to 67, the insurer shall reimburse the insured for any expense that the insured incurs to purchase, rent, repair, replace, fit or adjust a prosthesis or orthosis if the prosthesis or orthosis is: (a) medically required; and (b) prescribed by a practitioner. (2) The insurer shall reimburse an insured pursuant to subsection (1) only in an amount that the insurer considers reasonable and proper. 23 Aug 2002 SR 70/2002 s10. Eyeglasses or ocular prosthesis not worn before accident 56 If the insured did not wear eyeglasses or an ocular prosthesis before the accident, the insurer shall reimburse the insured for any expense incurred by the insured to purchase, fit or adjust eyeglasses or an ocular prosthesis. 23 Aug 2002 SR 70/2002 s10. Contact lenses not worn before accident 57 If the insured did not wear contact lenses before the accident, the insurer shall reimburse the insured for any expense incurred by the insured to purchase, fit and adjust contact lenses. 23 Aug 2002 SR 70/2002 s10. Hairpiece not worn before accident 58 If the insured did not wear a hairpiece before the accident, the insurer shall reimburse the insured for any expenses incurred by the insured to purchase, fit and adjust a hairpiece. 23 Aug 2002 SR 70/2002 s10. 32 A-35 REG 3 PERSONAL INJURY BENEFITS Dentures not worn before accident 59(1) Subject to subsection (2), if the insured did not have a denture before the accident, the insurer shall reimburse the insured for any expenses incurred by the insured to purchase, fit and adjust a denture. (2) The insurer shall reimburse the insured for any expenses incurred by the insured to purchase, fit and adjust a fixed prosthesis resting on an implant only if a fixed prosthesis not resting on an implant would not be medically effective. 23 Aug 2002 SR 70/2002 s10. Repair, replacement, fitting or adjustment of prosthesis or orthosis 60 The insurer shall reimburse the insured for expenses incurred by the insured to repair, replace, fit or adjust anything in sections 55 to 59 that the insured did not wear before the accident if the expenses: (a) are incurred: (i) owing to a changing condition resulting from the accident; or (ii) owing to ordinary usage of the prosthesis or orthosis; or (b) are incurred to enhance the performance of the prosthesis or orthosis. 23 Aug 2002 SR 70/2002 s10. Prosthesis or orthosis worn before accident 61(1) Subject to subsection (2), the insurer shall reimburse the insured for any expenses incurred by the insured to repair, replace, fit or adjust a prosthesis or orthosis that the insured wore before the accident. (2) The insurer shall not reimburse the insured for any expense in addition to those mentioned in subsection (1) that is incurred respecting a prosthesis or orthosis that the insured wore before the accident unless the expense relates to a change in a condition resulting from the accident. 23 Aug 2002 SR 70/2002 s10. Medication, dressings and other medical supplies 62 The insurer shall reimburse the insured for an expense incurred by the insured to purchase medication, dressings and other medical supplies required for a medical reason resulting from the accident. 23 Aug 2002 SR 70/2002 s10. Salvage 63 If the insurer purchases any item pursuant to this Part, it is entitled to retain the salvage of the replaced item. 23 Aug 2002 SR 70/2002 s10. 33 PERSONAL INJURY BENEFITS A-35 REG 3 Prescribed appliance, medical equipment, clothing 64 Subject to sections 65 to 67, the insurer shall reimburse the insured for an expense incurred by the insured to purchase, rent, repair, replace, fit or adjust clothing or a medical appliance or medical equipment if the expense is incurred: (a) for a medical reason related to the accident; and (b) on the prescription of a practitioner. 23 Aug 2002 SR 70/2002 s10. If insured did not wear or use object before accident 65 If an expense is incurred pursuant to section 64 for an object the insured did not wear or use before the accident, the insurer shall not reimburse the insured for the expense unless: (a) it is incurred: (i) owing to a changing condition resulting from the accident; and (ii) owing to ordinary usage of the object; or (b) it is incurred in order to enhance the performance of the object. 23 Aug 2002 SR 70/2002 s10. If insured wore or used object before accident 66(1) If an expense is incurred pursuant to section 64 for an object the insured wore or used before the accident, the insurer shall reimburse the insured for the expense only once. (2) Notwithstanding subsection (1), if the expense is incurred owing to a change in a condition that results from the accident, the insurer shall reimburse the insured for the expense. 23 Aug 2002 SR 70/2002 s10. Cost of repair not to exceed 80% of purchase price 67 Notwithstanding sections 60, 61, 64, 65 and 66, the maximum amount the insurer may reimburse the insured for an expense incurred by the insured to repair a prosthesis or orthosis is an amount equal to 80% of the price that was paid for the prosthesis or orthosis. 23 Aug 2002 SR 70/2002 s10. 34 A-35 REG 3 PERSONAL INJURY BENEFITS Clothing worn at the date of the accident 68 Subject to section 69, the insurer shall reimburse the insured for an expense incurred by the insured to clean, repair or replace damaged clothing worn at the date of the accident to a maximum of $1,147. 23 Aug 2002 SR 70/2002 s10. Replacement 69 The insurer shall reimburse the insured for an expense incurred to replace clothing if: (a) the clothing cannot be adequately repaired or cleaned; or (b) the cost of replacement is less than the cost of repair. 23 Aug 2002 SR 70/2002 s10. Volunteer giving emergency assistance to the insured 70(1) If a person voluntarily and without expecting compensation renders emergency first aid assistance or other assistance to the insured, the insurer shall reimburse that person for: (a) an expense incurred by that person to clean, repair or replace clothing damaged as a result of rendering the assistance; and (b) any other expense necessarily incurred by the person to render the assistance. (2) Sections 68 and 69 apply, with any necessary modification, to calculating the amount of reimbursement pursuant to clause (1)(a). 23 Aug 2002 SR 70/2002 s10. Shoes 71 The insurer shall reimburse the insured for an expense incurred by the insured to purchase, manufacture, alter, repair or replace shoes that are prescribed by a physician. 23 Aug 2002 SR 70/2002 s10. Financial counselling 72 If a beneficiary receives a lump sum payment greater than or equal to $69,322, the insurer shall reimburse the beneficiary for any authorized financial counselling obtained by the beneficiary subject to the maximum benefit set out in section 162 of the Act. 23 Aug 2002 SR 70/2002 s10; 23 Dec 2016 SR 99/2016 s22. Guardian or trustee 73 The insurer shall reimburse the insured for an expense incurred by the insured to appoint a guardian, trustee or committee for the insured, if the insured: (a) is required by law to have a guardian, trustee or committee; and (b) does not have one at the date of the accident. 23 Aug 2002 SR 70/2002 s10. 35 PERSONAL INJURY BENEFITS A-35 REG 3 PART VIII Claims Form of application 74(1) A claimant shall: (a) apply on a form provided by or acceptable to the insurer; and (b) sign his or her application. (2) Notwithstanding subsection (1), if a claimant is incapable of conducting his or her own affairs or is otherwise incapable, a claim on behalf of that claimant may be submitted and signed by a person authorized to represent the claimant. (3) A person who submits a claim on behalf of another shall state in what capacity he or she is acting and provide proof of his or her capacity to act. 23 Aug 2002 SR 70/2002 s10. Medical examination 75 The examination by a practitioner conducted pursuant to section 158 of the Act must include the following points with respect to the insured: (a) a case history, including: (i) reasons for consultation; (ii) concurrent or pre-existing disorders and diseases; (iii) signs or symptoms of concurrent or pre-existing physical or mental disorders at the time of the examination; and (iv) record of treatments prescribed for concurrent or pre-existing disorders and results; (b) an occupational history, including: (i) previous occupations and reasons for departure; and (ii) actual or presumed occupation and the abilities required to carry out that occupation in relation to the insured’s present condition; (c) a physical or mental examination giving in detail the signs and symptoms of bodily injury caused by the accident; (d) an analysis of all medical reports in relation to bodily injury; (e) a summary of the causal relationship between: (i) the accident and the bodily injury; (ii) the bodily injury and the permanent impairment; and (iii) the bodily injury and the insured’s inability to hold real or presumed employment; (f) any additional information required by the insurer. 23 Aug 2002 SR 70/2002 s10. 36 A-35 REG 3 PERSONAL INJURY BENEFITS Medical report ordered in support of review or appeal 76(1) The insurer shall pay the practitioner for the cost of a report mentioned in section 169 of the Act to the following amounts: (a) $384 for a report prepared by a practitioner who examined the person for the purpose of making the report; (b) if the report is prepared by more than one practitioner, after the person is jointly examined by the practitioners for the purpose of making the report, $384 for each practitioner to a maximum of three practitioners. (2) Notwithstanding subsection (1), if the insurer considers that the circumstances so require it, the insurer may pay an insured for any additional costs incurred in excess of the amounts set out in subsection (1) in obtaining a medical report. 23 Aug 2002 SR 70/2002 s10; 23 Dec 2016 SR 99/2016 s23. PART IX Indexation of Benefits CPI not published 77(1) For the purpose of subsection 184(3) of the Act, if no figure for the “all-items” Consumer Price Index for Saskatchewan is published by Statistics Canada for a month, the insurer shall determine a figure for that month in accordance with the following formula: CPI = SCPI 12 where: CPI is the consumer price index to be used in the month; and SCPI is the sum of the “all items” Consumer Price Index for Saskatchewan, as published by Statistics Canada, for the 12 months before that month. (2) The insurer may adjust the amount calculated pursuant to this section to take account of any exceptional circumstances that occurred during the 12 months before the month for which the amount is being calculated. 23 Aug 2002 SR 70/2002 s10. Change in method of Statistics Canada 78(1) For the purposes of subsection 184(4) of the Act, the insurer shall determine a figure for the “all-items” Consumer Price Index for Saskatchewan based on the lower of the actual change created by the new method and the average of the new method and former method for the 12-month period prior to the introduction of the new method. (2) After the new method has been utilized by Statistics Canada for 12 months, the insurer shall calculate a figure based on the new method. 23 Aug 2002 SR 70/2002 s10. 79 to 83 Repealed. 23 Aug 2002 SR 70/2002 s10. 37 PERSONAL INJURY BENEFITS A-35 REG 3 PART X Insurer’s Decisions and Appeals DIVISION 1 Mediation Fee for mediation 84(1) A claimant who requests mediation shall pay the insurer a fee of $54. (2) The claimant shall pay the fee at the time the claimant submits the claimant’s written notice requesting mediation pursuant to section 190 of the Act. 10 Jan 2003 SR 121/2002 s7; 23 Dec 2016 SR 99/2016 s24. Appointment of mediator 85(1) In this section, “manager of mediation services” means the manager of mediation services appointed pursuant to section 14.1 of The Department of Justice Act. (2) If the parties are unable to agree on a mediator within the period mentioned in subsection 190(4) of the Act, either party may apply in writing to the manager of mediation services to appoint a mediator. (3) On receipt of a written request pursuant to subsection (2) and after consulting with both parties in any manner that the manager of mediation services considers advisable, the manager of mediation services shall appoint a mediator whom the manager of mediation services considers to be appropriate. (4) An appointment of a mediator must be made within 30 days after the date on which the manager of mediation services received the written application pursuant to subsection (2). 10 Jan 2003 SR 121/2002 s7. DIVISION 2 Appeals to the Appeal Commission Applications for appeal 86(1) An application to the appeal commission pursuant to section 193 of the Act: (a) must be made on a form provided by the appeal commission; and (b) subject to section 87, must be signed by the claimant making the appeal. (2) The prescribed fee for the purposes of subsection 193(3) of the Act is $75. (3) If the appeal commission considers that payment of the prescribed fee will cause a substantial hardship for an appellant, the appeal commission may waive the fee prescribed in subsection (2). 38 A-35 REG 3 PERSONAL INJURY BENEFITS (4) If the claimant is successful on appeal, the appeal commission shall refund the fee prescribed in subsection (2) to the claimant. (5) Repealed. 24 Dec 2010 SR 127/2010 s3. 10 Jan 2003 SR 121/2002 s7; 24 Dec 2010 SR 127/2010 s3. If claimant is incapable 87(1) Notwithstanding clause 86(1)(b), an application to the appeal commission on behalf of that claimant may be submitted and signed by a person authorized to represent the claimant. (2) A person who applies on behalf of another shall state in what capacity he or she is acting and provide proof of his or her capacity to act. 10 Jan 2003 SR 121/2002 s7; 24 Dec 2010 SR 127/2010 s4. Notice of appeal and hearing 88(1) In this section, “business day” means a day other than a Saturday, Sunday or holiday. (2) On receipt of an application for appeal, the appeal commission shall serve a copy of the application for appeal on the insurer within seven business days after receiving the application for appeal. (3) The appeal commission shall give written notice of the time, date and place of the hearing to the claimant and the insurer of: (a) at least 30 days; or (b) any other period that the appeal commission considers reasonable in the circumstances. 24 Dec 2010 SR 127/2010 s5. Records and information 89(1) As soon as is reasonably practicable after a claimant submits an application for appeal to the appeal commission pursuant to subsection 86(1), the claimant shall also submit: (a) copies of all medical or financial documents supporting the application for appeal; (b) a list of the documentary evidence to be used at the hearing; (c) a list of the witnesses to be called at the hearing; (d) any other information that the appeal commission may require; and (e) the relief sought from the appeal commission. (2) As soon as is reasonably practicable after receiving a copy of an application for appeal pursuant to subsection 88(2), the insurer shall forward to the appeal commission any record or other information in the possession of the insurer that is relevant to the issues raised by a claimant with respect to an appeal filed with the appeal commission. 39 PERSONAL INJURY BENEFITS A-35 REG 3 (3) The appeal commission shall: (a) disclose all information, records and material filed with respect to the appeal by either the claimant or the insurer to the opposing party; (b) disclose to the parties, in advance of the appeal hearing, the name and title of any witness that the appeal commission is aware may be appearing before it at the appeal hearing; (c) give the claimant and the insurer a reasonable opportunity to examine all information, records and material filed with respect to the appeal before setting a date for an appeal hearing; and (d) provide the claimant and the insurer with copies of all material filed with respect to the appeal. 24 Dec 2010 SR 127/2010 s5. 90 Repealed. 24 Dec 2010 SR 127/2010 s5. Hearing by appeal commission 91 At a hearing by the appeal commission, there is to be full right: (a) to examine, cross-examine and re-examine all witnesses; and (b) to present evidence in defence and reply and to make submissions respecting the evidence before the commission. 10 Jan 2003 SR 121/2002 s7. Hearings public 92 Unless the appeal commission orders otherwise, a hearing is open to the public. 10 Jan 2003 SR 121/2002 s7. Adjournments 93 The appeal commission may, from time to time, adjourn a hearing. 10 Jan 2003 SR 121/2002 s7. Subpoena 94(1) On application by the claimant or the insurer and on payment of the appropriate fee, the local registrar of the court at any judicial centre shall issue a writ of subpoena ad testificandum or subpoena duces tecum to the party requesting the subpoena. (2) A subpoena issued pursuant to subsection (1) must be served on the party to whom the subpoena is issued at least 10 days before the date scheduled for the appeal commission hearing. 10 Jan 2003 SR 121/2002 s7. 40 A-35 REG 3 PERSONAL INJURY BENEFITS Appeal commission to compile record of hearing 95(1) The appeal commission shall compile a record of a hearing that was held. (2) The record of a hearing mentioned in subsection (1) is to consist of: (a) the written decision of the insurer that was appealed; (b) the notice of appeal to the appeal commission; (c) any written submissions or affidavit evidence received by the appeal commission for the purposes of the hearing; (d) the written decision of the appeal commission; (e) any expert reports and opinions submitted to the appeal commission; and (f) any evidence before the commission that was recorded in writing or by any electronic means. 10 Jan 2003 SR 121/2002 s7. Reimbursement for expenses 96(1) For the purposes of subsection 193(11) of the Act, the insurer shall reimburse a claimant up to a maximum amount of $3,316 for all reasonable expenses incurred from the date of filing the appeal to the date of the judgment or the appeal commission’s decision. (2) For the purposes of subsection (1), “reasonable expenses” includes meals, lodging, travel expenses and expert reports. 10 Jan 2003 SR 121/2002 s7; 23 Dec 2016 SR 99/2016 s25. Failure to attend 97(1) If written notice of the time, date and place of the hearing has been given to the claimant and the claimant fails to attend the hearing, the appeal commission may: (a) hear and decide the appeal in the absence of the claimant; (b) dismiss the appeal without conducting the hearing; or (c) grant an adjournment and assign a new time, date and place for the hearing. (2) If the appeal commission assigns a new time, date and place for the hearing, the appeal commission shall give the claimant and the insurer written notice of that time, date and place. 10 Jan 2003 SR 121/2002 s7. Discontinuance of appeal 98(1) A claimant may abandon or discontinue all or any part of an appeal to the appeal commission at any time. (2) If a claimant abandons or discontinues an appeal or part of an appeal, the appeal commission, on the application of the insurer, may award the insurer its costs respecting the appeal in any amount that the appeal commission determines is appropriate. 10 Jan 2003 SR 121/2002 s7. 41 PERSONAL INJURY BENEFITS A-35 REG 3 DIVISION 3 Appeal to the Court of Queen’s Bench Queen’s Bench location of proceeding 99 A claimant who appeals to the Court of Queen’s Bench shall file his or her appeal at the judicial centre nearest to the place where the claimant resides unless the claimant and insurer agree otherwise. 10 Jan 2003 SR 121/2002 s7. DIVISION 4 Application to Vary Application to vary 100(1) An application for leave to make an application for a variation of a decision of the Court of Queen’s Bench or the appeal commission pursuant to section 195 of the Act must be made: (a) in the case of an application for leave to make an application for a variation made to the Court of Queen’s Bench, by notice of motion in accordance with The Queen’s Bench Rules; (b) in the case of an application for leave to make an application for a variation made to the appeal commission, by completing an application form provided by the commission. (2) If the Court of Queen’s Bench or the appeal commission grants leave to make an application for a variation, the application for a variation must be made: (a) in the case of an application for a variation made to the Court of Queen’s Bench, by notice of motion in accordance with The Queen’s Bench Rules; (b) in the case of an application for a variation made to the appeal commission, by filing an application setting out the following: (i) the claimant’s name and address; (ii) the file number, if applicable, assigned by the insurer when the application for compensation was made; (iii) the relief sought; (iv) the grounds to be argued, including a reference to any statutory provisions relied on; (v) a copy of any affidavit evidence intended to be used; (vi) copies of all medical or financial documentation, as the case may be, supporting the application for appeal; (vii) any other information that the appeal commission requires. (3) Sections 86 to 98 apply, with any necessary modification, to an application to vary brought before the appeal commission. 10 Jan 2003 SR 121/2002 s7. 101 Repealed. 10 Jan 2003 SR 121/2002 s7. 42 A-35 REG 3 PERSONAL INJURY BENEFITS PART XI General Calculation of interest 102 Interest payable pursuant to Part VIII of the Act, other than the interest payable pursuant to section 24 of these regulations, is to be calculated in accordance with The Pre-judgment Interest Act. 24 Aug 2007 SR 73/2007 s10. Manner of service 103(1) If a notice or document is required to be given, sent or otherwise served on a person, service may be effected by: (a) personal service; (b) regular mail; (c) registered mail; or (d) certified mail. (1.1) Subject to subsection (1.2) or (2), a notice or document served by regular, registered or certified mail is deemed to be effective if sent to the last known address of the person to whom notice is required to be sent. (1.2) If a notice or document is served by regular mail, it is deemed to have been served on the tenth day following the date of its mailing. (2) If a notice or document is served by registered or certified mail, it is deemed to be served on the day that Canada Post confirms is the day on which the notice or document was delivered to the address to which it is mailed. (3) If a claimant is represented by an agent who has provided the insurer with proof of his or her authority to act as agent for the person, service on the agent constitutes service on the person. (4) This section does not apply to the commencement of an appeal before the appeal commission. 23 Aug 2002 SR 70/2002 s11; 24 Aug 2007 SR 73/2007 s11; 7 May 2021 SR 43/2021 s11. Advances 104 If the insurer is authorized or required by these regulations to reimburse a beneficiary for an expense incurred by a beneficiary, the insurer may advance moneys to or on behalf of the beneficiary to pay for the expense before it is incurred if: (a) the insurer considers it necessary or appropriate to do so; and (b) the beneficiary provides the insurer with any receipts or other information the insurer may reasonably require to show that the expense has been incurred. 23 Aug 2002 SR 70/2002 s11. 43 PERSONAL INJURY BENEFITS A-35 REG 3 PART XII Coming Into Force Coming into force 105(1) Subject to subsection (2), these regulations come into force on the day that section 100 of the Act, as enacted by The Automobile Accident Insurance Amendment Act, 1994, comes into force. (2) If these regulations are filed with the Registrar of Regulations after the day that section 100 of the Act, as enacted by The Automobile Accident Insurance Amendment Act, 1994, comes into force, these regulations come into force on the day on which they are filed with the Registrar of Regulations. 13 Jan 95 cA-35 Reg 3 s105. 44 A-35 REG 3 PERSONAL INJURY BENEFITS Appendix A Classes of Employment [sections 19, 20 and 26] Determination of level of experience 1 For the purposes of Table 1 of this Appendix, the insurer shall determine the level of experience that the insured has in the class of employment in accordance with the following: (a) “Level 1” means less than 36 months of experience related to that employment prior to the accident; (b) “Level 2” means 36 months or more but less than 120 months of experience related to that employment prior to the accident; (c) “Level 3” means 120 months or more of experience related to that employment prior to the accident. Calculation of months 2 For the purpose of calculating the number of months of experience pursuant to section 1 of this Appendix, a month in which an employment begins or ends is deemed to be a complete month of experience. Indexation of yearly employment income 3 The yearly employment incomes appearing in Table 1 are to be adjusted in accordance with the following formula: IAWY AYEI = YEI x IAWY95 where: AYEI is the adjusted yearly employment income; YEI is the yearly employment income appearing in Table 1; IAWY is the average of the industrial average wage for the 12 months before July 1 of the year before the year for which the adjustment in income is being calculated; and IAWY95 is: (a) the average of the industrial average wage for the 12 months before July 1, 1994; or (b) if Statistics Canada provides a new census, the average of the industrial average wage for the 12 months prior to the new census. 10 Jan 2003 SR 121/2002 s8; 7 May 2021 SR 43/2021 s12. 45 PERSONAL INJURY BENEFITS A-35 REG 3 Rules re use of Table 1 4(1) In Table 1: (a) the dollar figures are for full-time work for a full year; and (b) when an income level in the Table is less than the annual minimum income established pursuant to section 2-16 of The Saskatchewan Employment Act on the basis of a 40-hour work week, the annual minimum income is to be used. (2) The insurer shall modify or adjust the employment classifications set out in Table 1 to correspond with The National Occupation Classification published by Employment and Social Development Canada and Statistics Canada in any year if both: (a) Statistics Canada publishes a new Census; and (b) Employment and Social Development Canada and Statistics Canada publish a new National Occupation Classification (NOC). (2.1) If the insurer is required to modify or adjust the employment classifications pursuant to subsection (2), the income levels set out in Table 1 must also be modified or adjusted to reflect the income levels set out in the new Census. (2.2) Notwithstanding subsection (2.1), if Employment and Social Development Canada and Statistics Canada do not publish a new National Occupation Classification (NOC) but Statistics Canada publishes a new Census, the income levels set out in Table 1 must be modified or adjusted to reflect the income levels set out in the new Census published by Statistics Canada. (3) If the Statistics Canada Census for a particular year is published after December 31, of that year the insurer shall index the income figures provided in the Statistics Canada Census pursuant to section 3 of this Appendix within 12 months after receiving the new Census prior to incorporating those income figures in this Appendix. Non-classified occupations 5 For occupations that are not classified in this Appendix, the insurer shall calculate the yearly employment income on the basis of the yearly employment the insured earned from his or her employment. 46 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment 2002 No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 0.

Management Occupations 001 Legislators and Senior Management 0011 Legislators 22,707 40,094 64,556 0012 Senior Government Managers and Officials 49,993 69,378 94,270 0013 Senior Managers – Financial, Communication Carriers and Other Services 57,891 79,287 119,750 0014 Senior Managers – Health, Education, Social and Community 36,871 53,653 82,111 0015 Senior Managers – Trade, Broadcasting and Other Services 35,636 59,256 108,022 0016 Senior Managers – Production, Utilities, Transportation and Construction 38,909 67,137 102,862 011 Administrative Service Managers 0111 Financial Managers 44,645 57,889 77,826 0112 Human Resources Managers 51,003 63,397 79,345 0113 Purchasing Managers 29,057 45,575 67,295 0114 Other Administrative Service Managers 37,669 52,674 70,458 012 Financial and Business Service Managers 0121 Insurance, Real Estate and Financial Brokerage 30,962 48,668 77,073 0122 Banking, Credit and Other Investment Managers 43,129 56,920 71,575 0131 Telecommunication Carriers Managers 48,262 60,209 66,803 021 Engineering, Architecture, Science and Information Systems Managers 0210 Engineering, Science and Architecture 55,713 68,064 83,702 0213 Information Systems and Data Processing 51,057 59,176 73,270 031 Health, Education, Social and Community Services Managers 0311 Health Care 36,431 50,905 58,424 0312 Post-Secondary Education and Vocational Training 50,909 62,356 89,768 0313 School Principals and Administrators of Elementary and Secondary Education 55,463 62,318 68,364 0314 Social, Community and Correctional Services 29,623 40,681 56,984 0411/12/13/14 Public Administration Managers 51,772 63,342 76,073 0511/12/13 Art, Culture, Recreation and Sport Managers 29,615 36,916 59,070 0611 Sales, Marketing and Advertising Managers 37,689 52,237 68,937 0621 Retail Trade Managers 17,882 29,625 42,707 063 Food Service and Accommodation Managers 0631 Restaurant and Food Service Managers 14,821 22,902 36,905 0632 Accommodation Service Managers 13,304 20,438 34,081 0643 Managers in Armed Forces Commissioned Officers 30,552 47,951 61,069 0651 Other Services Managers 9,706 27,118 45,410 47 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 071 Managers in Construction and Transportation 0711 Construction Managers 33,508 48,667 67,329 0712 Residential Home Builders and Renovators 17,023 24,974 39,745 0713 Transportation Managers 34,083 49,857 72,885 0721 Facility Operation and Maintenance Managers 34,049 45,633 62,371 0811 Primary Production Managers (Except Agriculture) 51,171 75,959 113,970 091 Manufacturing and Utilities Managers 0911 Manufacturing Managers 34,039 51,666 73,642 0912 Utilities Managers 44,385 58,274 70,637 1. Business, Finance and Administrative Occupations 111 Auditors, Accountants and Investment Professionals 1111 Financial Auditors and Accountants 34,031 45,508 56,961 1112 Financial and Investment Analysts 42,995 51,091 62,369 1113 Securities Agents, Investment Dealers and Traders 31,832 40,917 57,959 1114 Other Financial Officers 27,293 37,134 49,911 112 Human Resources and Business Service Professionals 1121 Specialists in Human Resources 48,346 59,204 71,934 1122 Professional Occupation in Business Services to Management 40,874 56,791 71,631 121 Clerical Supervisors 1211/13 General Office, Administrative, Library 31,710 39,737 51,540 1212 Finance and Insurance Clerks 29,654 35,728 47,806 1214 Mail and Message Distribution Occupations 20,458 37,149 43,042 1215 Recording, Distributing and Scheduling Occupations 28,354 33,349 44,466 122 Administrative and Regulatory Occupations 1221 Administrative Officers 27,683 36,451 49,892 1222 Executive Assistants 29,598 40,648 53,040 1223 Personnel and Recruitment Officers 34,697 44,993 48,823 1224 Property Administrators 21,519 32,153 44,669 1225 Purchasing Agents and Officers 31,902 42,118 50,976 1228 Immigration, Employment Insurance and Revenue Officers 35,971 41,996 46,570 123 Finance and Insurance Administrative Occupations 1231 Bookkeepers 13,618 20,907 29,475 1232 Loan Officers 32,976 38,517 46,139 1233 Insurance Adjusters and Claims Examiners 34,025 41,739 47,934 1234 Insurance Underwriters 32,069 35,766 43,936 1235 Assessors, Valuators and Appraisers 36,460 53,234 68,053 48 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 124 Secretaries, Recorders and Transcriptionists 1241 Secretaries (Except Legal and Medical) 22,225 27,296 32,984 1242 Legal Secretaries 20,403 26,516 33,043 1243 Medical Secretaries 22,384 26,819 30,578 141 Clerical Occupations, General Office Skills 1411 General Office Clerks 20,613 27,691 33,352 1412 Typists and Word Processing Operators 23,889 26,966 30,075 1413 Records and File Clerks 23,589 26,867 30,589 1414 Receptionists and Switchboard Operators 18,207 23,869 28,586 142 Office Equipment Operators 1421 Computer Operators 27,549 37,599 46,015 1422 Data Entry Clerks 23,850 28,110 32,856 1423 Typesetters and Related Occupations 13,599 22,788 29,513 1424 Telephone Operators 28,428 32,253 34,097 143 Finance and Insurance Clerks 1431 Accounting and Related Clerks 21,640 28,095 34,504 1432 Payroll Clerks 26,231 32,020 37,441 1433 Tellers, Financial Services 21,799 25,710 30,617 1434 Banking, Insurance and Other Financial Clerks 24,608 27,694 33,660 1435 Collectors 24,946 32,616 37,656 1441 Administrative Support Clerks 25,239 29,578 34,077 145 Library, Correspondence and Related Information Clerks 1451 Library Clerks 19,643 25,315 28,517 1452/53 Customer Service, Information and Correspondence 22,709 30,672 35,219 1454 Survey Interviewers and Statistical Clerks 12,012 19,944 34,053 146 Mail and Message Distribution Occupations 1461 Mail, Postal and Related Clerks 22,855 36,437 43,189 1462 Letter Carriers 39,737 42,145 43,617 1463 Couriers and Messengers 17,304 24,872 39,285 147 Recording, Scheduling and Distributing Occupations 1471 Shippers and Receivers 19,742 27,245 37,290 1472 Storekeepers and Parts Clerks 21,553 28,438 37,488 1473 Production Clerks 28,431 36,896 48,831 1474 Purchasing and Inventory Clerks 24,884 30,850 37,411 1475 Dispatchers and Radio Operators 21,416 28,771 43,064 49 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 2. Natural and Applied Sciences and Related Occupations 211 Physical Science Professionals 2112 Chemists 44,697 62,225 76,583 2113/14 Geologists, Geochemists and Meteorologists 58,610 60,302 74,336 212 Life Science Professionals 2121 Biologists and Related Scientists 44,252 52,474 67,771 2123 Agricultural Representatives, Consultants and Specialists 36,348 54,657 59,851 213 Civil, Mechanical, Electrical and Chemical Engineers 2131 Civil Engineers 40,984 55,382 68,133 2132 Mechanical Engineers 45,526 56,291 68,209 2133 Electrical and Electronic Engineers 48,033 57,001 67,470 2134 Chemical Engineers 51,022 64,761 79,534 2141/43/44/ 45/47 Other Engineers 40,494 51,063 65,920 2151/53/54 Architects, Urban Planners, Land Surveyors 39,614 45,637 63,432 216 Systems Analysts and Computer Programmers 2162 Computer Systems Analysts 39,937 52,257 61,672 2163 Computer Programmers 35,731 44,565 55,670 221 Technical Occupations in Physical Sciences 2211 Applied Chemical Technologists and Technicians 35,057 51,084 56,962 2212 Geological and Mineral Technologists and Technicians 35,239 49,207 56,839 222 Technical Occupations in Life Sciences 2221 Biological Technologists and Technicians 30,628 39,013 50,386 2222 Agricultural and Fish Products Inspectors 31,822 41,971 46,487 2223/24 Forestry Tech, Conservation and Fishery Officers 39,727 45,760 54,437 2230/32 Civil and Mechanical Engineering Technologists 36,409 43,978 54,470 224 Technical Occupations in Electronics and Electrical Engineering 2241 Technologists and Technicians 36,393 47,953 55,560 2242 Electronic Service Technicians (Household and Business) 24,915 37,258 50,136 2243 Industrial Instrument Technicians and Mechanics 52,323 62,258 72,702 225 Technical Occupations in Architecture, Drafting, Surveying and Mapping 2253 Drafting Technologists and Technicians 32,973 40,733 46,634 2254/55 Survey and Mapping Technologists and Technicians 30,544 34,156 45,425 2262/63/64 Other Technical Inspectors and Regulatory Officers 39,641 46,191 54,592 2271/72 Transportation Officers and Controllers 34,133 48,588 61,091 50 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 3. Health Occupations 311 Physicians, Dentists and Veterinarians 3111 Specialist Physicians 60,439 124,481 221,923 3112 General Practitioners and Family Physicians 88,077 127,108 169,974 3113 Dentists 62,451 95,294 177,213 3114 Veterinarians 34,409 60,325 68,750 3131 Pharmacists 45,504 54,398 63,756 314 Therapy and Assessment Professionals 3141/42 Audiologists Speech Language and Physiotherapists 44,927 46,150 51,113 3143/44 Occupational Therapists and Other Therapists 27,737 33,546 40,487 315 Nurse Supervisors and Registered Nurses 3151 Head Nurses and Supervisors 46,510 52,758 56,286 3152 Registered Nurses 35,874 45,585 49,812 321 Medical Technologists and Technicians (except Dental Health) 3211/19 Medical Laboratory and Other Medical Technologists 34,067 41,444 45,282 3212/14 Medical Lab Technicians and Respiratory Therapists 30,550 38,027 44,190 3215 Medical Radiation Technologists 34,037 40,856 46,211 322 Technical Occupations in Dental Health Care 3220/21 Dental Technicians and Denturists 27,268 42,288 52,119 3222 Dental Hygienists and Dental Therapists 39,615 43,610 49,613 323 Other Technical Occupations in Health (except Dental) 3233 Registered Nursing Assistants 26,478 30,403 32,896 3234 Ambulance Attendants and Other Paramedical Occupations 24,633 31,026 40,447 3235 Other Therapy and Assessment - Massage, Speech 7,514 20,764 36,554 341 Assisting Occupations in Support of Health Services 3411 Dental Assistants 22,796 27,315 30,054 3413 Nurse Aides and Orderlies 22,572 27,192 28,994 3414 Other Aides and Assistants in Support of Health Services 18,526 28,090 31,819 51 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 4. Social Science, Education, Government Service and Religion 4112 Lawyers and Quebec Notaries 44,812 70,362 94,060 412 University Professors and Assistants 4121 University Professors 56,284 74,917 93,882 4122 Post-Secondary Teaching and Research Assistants 10,321 17,068 35,280 4131 College and Other Vocational Instructors 39,478 52,371 59,263 414 Secondary and Elementary School Teachers and Counsellors 4141 Secondary School Teachers 41,309 52,901 55,918 4142 Elementary School and Kindergarten Teachers 38,571 49,961 53,332 4143 School and Guidance Counsellors 33,653 42,702 55,838 415 Psychologists, Social Workers, Counsellors, Clergy and Probation Officers 4151 Psychologists 39,039 54,678 65,979 4152 Social Workers 34,026 41,042 47,970 4153 Family, Marriage and Other Related Counsellors 27,273 35,955 45,054 4154 Ministers of Religion 20,727 30,588 38,477 4155 Probation and Parole Officers and Related Occupations 39,463 43,317 51,114 416 Policy and Programs Officers, Researchers and Consultants 4160 Health and Social Policy 35,296 45,555 57,980 4161 Natural and Applied Science 45,976 53,201 60,028 4163 Economic Development and Marketing 29,571 43,176 59,037 4166 Education Policy 38,668 55,291 63,482 4167 Recreation and Sports Program 22,691 28,407 38,948 421 Paralegals, Social Services Workers and Occupations in Education and Religion (Not elsewhere classified) 4211 Paralegal and Related Occupations 29,948 34,102 40,611 4212 Community and Social Service Workers 19,265 27,242 34,155 4213 Employment Counsellors 36,346 42,282 46,388 4215 Instructors and Teachers of Disabled Persons 18,225 22,028 35,882 4216 Other Instructors 22,717 31,811 40,980 4217 Other Religious Occupations 18,196 24,988 29,951 5. Art, Culture, Recreation and Sport Occupations 5111 Librarians 24,966 35,294 48,602 512 Writing, Translating and Public Relations Professionals 5121 Writers 10,778 27,286 38,498 5122/23 Editors and Journalists 27,192 41,309 59,788 5124 Public Relations and Communications 34,388 45,926 56,525 52 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 513 Creative and Performing Arts 5131 Producers, Directors, Choreographers and Related Occupations 26,882 38,564 62,298 5132/33/34 Composers, Musicians, Singers and Dancers 8,273 17,061 23,323 5211/12 Technical Occupations in Libraries, Archives, Museums 25,417 30,845 32,788 522 Photographers, Graphic Arts Technicians and Broadcasting 5221 Photographers 4,905 15,576 28,005 5224/25 Broadcast, Audio and Video Technicians 29,319 42,485 49,727 5231 Announcers and Other Broadcasters 21,533 26,909 42,946 524 Creative Designers and Craftspersons 5241 Graphic Designers and Illustrating Artists 22,796 31,811 39,660 5244 Artisans and Craftspersons 5,929 12,899 25,227 5254 Program Leaders and Instructors in Recreation and Sport 17,747 26,074 30,572 6. Sales and Service Occupations 621 Sales and Service Supervisors 6211 Retail Trade 20,424 30,542 38,510 6212 Food Service 14,790 19,799 29,541 6215 Cleaning 20,111 31,911 38,185 6216 Other Service 13,661 22,765 27,262 6221 Technical Sales Specialists, Wholesale Trade 31,502 44,216 60,255 623 Insurance and Real Estate Sales Occupations and Buyers 6231 Insurance Agents and Brokers 20,663 30,631 44,011 6232 Real Estate Agents and Salespersons 14,777 33,683 48,676 6233 Retail and Wholesale Buyers 26,057 38,118 50,512 6234 Grain Elevator Operators 34,128 45,463 57,903 6242 Cooks 11,895 17,033 25,433 625 Butchers and Bakers 6251 Butchers and Meat Cutters, Retail and Wholesale 17,032 23,985 32,122 6252 Bakers 13,644 18,987 31,929 626 Police Officers and Firefighters 6261 Police Officers (Except Commissioned) 56,818 62,427 68,123 6262 Firefighters 44,420 52,855 59,203 6271 Hairstylists and Barbers 11,496 16,715 23,897 6411 Sales Representatives, Wholesale Trade (Non-Technical) 27,304 38,658 52,903 6421 Retail Salespersons and Sales Clerks 14,819 22,977 34,078 53 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 643 Occupations in Travel and Accommodation 6431 Travel Counsellors 23,566 28,251 35,205 6432/33 Pursers and Airline Sales and Service Agents 32,871 40,910 46,865 6435 Hotel Front Desk Clerks 14,756 17,082 20,124 645 Occupations in Food and Beverage Service 6451 Maitres d’hotel and Hosts/Hostesses 12,483 18,557 24,909 6452 Bartenders 11,370 14,758 18,633 6453 Food and Beverage Servers 8,449 10,946 14,013 646 Other Occupations in Protective Service 6462 Correctional Service Officers 38,957 43,230 49,798 6461/63 Bailiffs and By-law Enforcement and Other Regulatory Officers 29,021 34,996 44,424 6464 Occupations Unique to the Armed Forces 35,819 40,729 44,441 647 Childcare and Home Support Workers 6470 Early Childhood Educators and Assistants 9,783 17,050 22,707 6471 Visiting Homemakers, Housekeepers and Related Occup 10,055 18,229 26,044 6472 Elementary and Secondary School Teacher Assistants 12,541 19,278 24,974 6474 Babysitters, Nannies and Parents’ Helpers 5,692 10,001 15,677 6482 Estheticians, Electrologists and Related Occupations 8,197 15,916 24,863 6611 Cashiers 11,920 15,850 21,601 662 Other Sales and Related Occupations 6621 Service Station Attendants 11,393 14,667 20,463 6622 Grocery Clerks and Shelf Stockers 13,658 20,945 35,248 6623 Other Sales - Door to door, Telemarketer 12,674 21,621 34,020 6631 Elemental Medical and Hospital Assistants 24,344 27,197 28,396 664 Food Counter Attendants and Kitchen Helpers 6641 Food Service Counter Attendants and Food Preparers 10,855 13,229 17,832 6642 Kitchen and Food Service Helpers 15,297 22,690 24,995 6651 Security Guards and Related Occupations 15,885 23,922 34,106 666 Cleaners 6661 Light Duty Cleaners 11,641 18,465 24,951 6662 Specialized Cleaners 12,489 19,335 31,722 6663 Janitors, Caretakers and Building Superintendents 16,902 24,909 31,506 6670 Attendants in Amusement, Recreation and Sport 11,079 22,319 28,989 6681/82/83 Laundry, Beauty Salon and Other Service Occupations 15,356 22,784 26,094 54 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 7. Trades, Transport and Equipment Operators Occupations 721/22/23 Contractors and Supervisors, Trades 7211/14 Metal Forming and Machinists and Related Occupation 31,789 40,505 51,896 7212 Electrical Trades and Telecommunications Occupation 43,614 55,671 69,577 7213 Pipefitting Trades 28,798 34,122 59,072 7215 Carpentry Trades 27,285 36,828 49,816 7216 Mechanic Trades 30,228 38,545 51,116 7217 Heavy Construction Equipment Crews 38,061 45,928 57,893 7219 Other Trades, Installers, Repairers and Servicers 27,292 36,345 45,573 7222 Motor Transport and Other Ground Transit Operators 28,450 34,569 43,752 7231 Machinists and Machining and Tooling Inspectors 26,285 34,148 45,614 724 Electrical Trades and Telecommunications 7241 Electricians (Except Industrial and Power System) 26,146 39,672 49,754 7242 Industrial Electricians 45,345 56,849 65,931 7244 Electrical Power Line and Cable Workers 47,446 57,978 63,579 7245 Telecommunications Line and Cable Workers 46,059 50,808 57,087 7246 Telecommunications Installation and Repair Workers 46,781 50,451 53,429 725 Plumbers, Pipefitters and Gas Fitters 7251 Plumbers 22,823 34,105 45,445 7252/53 Steam, Pipe, Gas Fitters and Sprinkler System Installers 42,187 55,652 64,113 726 Metal Forming, Shaping and Erecting 7261 Sheet Metal Workers 20,358 34,232 43,262 7262/63/64 Boilermakers, Structural Metal and Iron workers 27,289 33,650 37,089 727/28 Carpenters, Cabinetmakers and Plasterers 7271 Carpenters 19,236 29,627 39,884 7272 Cabinetmakers 14,802 23,203 36,413 7284 Plasterers, Drywall Installers and Finishers 19,146 27,309 34,056 729 Other Construction Trades 7291/92/93 Other - Roofers, Glaziers, Insulators 16,451 26,328 37,055 7294 Painters and Decorators 14,816 26,066 36,824 7295 Floor Covering Installers 18,008 27,268 40,843 731 Machinery and Transportation Equipment Mechanics (except Motor Vehicle) 7311 Construction Millwrights and Industrial Mechanics 37,657 51,171 65,013 7312 Heavy-Duty Equipment Mechanics 27,299 37,272 49,888 7313 Refrigeration and Air Conditioning Mechanics 28,580 38,598 45,664 7314 Railway Carperson 39,620 47,196 51,857 7315 Aircraft Mechanics and Aircraft Inspectors 33,627 40,794 49,743 7316 Machine Fitters 22,780 29,821 36,348 55 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 732 Motor Vehicle Mechanics 7321 Mechanics, Technicians and Mechanical Repairers 20,850 29,952 38,267 7322 Body Repairers 19,327 28,910 39,575 733 Other Mechanics 7332 Electric Appliance Servicers and Repairers 13,987 17,804 28,352 7334/35 Motorcycle, Snowmobile and Small Engine 12,744 22,339 26,800 7341/42/43/44 Upholsterers, Tailors, Shoe Repair, Jeweller 7,669 14,196 22,188 735 Stationary Engineers, Power Station and System Operators 7351 Stationary Engineers and Auxiliary Equipment Operators 34,041 42,766 59,873 7352 Power Systems and Power Station Operators 47,922 59,318 67,229 736 Train Crew Operating 7361 Railway and Yard Locomotive Engineers 64,649 76,116 82,514 7362 Railway Conductors and Brakeperson 50,929 62,358 68,288 7371 Crane Operators 42,143 55,737 64,753 7381 Printing Press Operators 27,312 34,076 42,250 741 Motor Vehicle and Transit Drivers 7411 Truck Drivers 23,905 34,755 45,368 7412 Bus Drivers and Subway and Other Transit Operators 12,573 22,701 39,577 7413 Taxi and Limousine Drivers and Chauffeurs 9,639 17,048 31,122 7414 Delivery Drivers 18,392 28,424 40,944 742 Heavy Equipment Operators 7421 Heavy Equipment Operators (Except Crane) 23,924 34,859 46,425 7422 Public Works Maintenance Equipment Operators 22,750 32,382 37,367 7432 Railway Track Maintenance Workers 39,446 44,646 50,002 744 Other Installers, Repairers and Services 7441 Residential and Commercial Installers and Servicers 19,313 26,027 38,875 7442 Waterworks and Gas Maintenance Workers 34,656 54,559 67,441 7443 Automotive Mechanical Installers and Servicers 15,100 24,896 34,135 7445 Other Repairers and Servicers 22,729 30,772 41,356 7452 Material Handlers 20,451 31,834 40,588 7611 Construction Trades Helpers and Labourers 16,191 28,433 38,040 7621 Public Works and Maintenance Labourers 22,687 29,526 35,367 56 A-35 REG 3 PERSONAL INJURY BENEFITS Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 8. Occupations Primary Industry 821/22 Supervisors 8221 Mining and Quarrying 58,735 73,567 83,216 8222 Oil and Gas Drilling and Service 51,107 68,067 77,423 823 Underground Miners, Oil and Gas Drillers and Related Workers 8231 Underground Production and Development Miners 43,836 56,864 68,231 8232 Oil and Gas Well Drillers, Servicers, Testers 38,545 52,616 61,911 825 Contractors, Operators and Supervisors in Agriculture, Horticulture 8251 Farmers and Farm Managers 7,460 17,372 33,826 8252 Agricultural and Related Service Contractors and Managers 26,037 40,454 55,341 8256 Supervisors, Landscape and Horticulture 34,030 39,003 44,321 8412 Oil and Gas Well Drilling Workers and Operators 32,906 47,723 60,620 8431 General Farm Workers 6,544 13,251 23,915 861 Primary Production Labourers 8612 Landscaping and Grounds Maintenance Labourers 13,635 25,638 34,344 8615 Oil and Gas Drilling, Servicing and Related Labourer 24,975 36,471 53,174 9. Processing, Manufacturing and Utilities 921 Supervisors, Processing Occupations 9211 Mineral and Metal Processing 32,938 49,438 62,476 9212 Petroleum, Gas and Chemical Processing and Utilities 51,657 70,748 80,135 9213 Food, Beverage and Tobacco Processing 35,844 41,710 53,237 9214 Plastic and Rubber Products Manufacturing 28,425 44,285 51,073 9215 Forest Products Processing 45,497 78,219 88,163 9226 Other Mechanical and Metal Product Manufacturing 28,381 35,347 44,118 9232 Petroleum, Gas and Chemical Process Operators 44,454 56,917 68,266 94/95 Processing and Manufacturing Machine Operators and Assemblers 9421 Chemical Plant Machine Operators 27,294 41,949 66,323 9424 Water and Waste Plant Operators 26,799 34,129 45,556 9451 Sewing Machine Operators 1,702 9,106 15,914 946 Machine Operators and Related Workers in Food and Beverage 9461 Process Control and Machine Operators, Food and Beverage Processing 28,361 34,857 45,625 9462 Industrial Butchers and Meat Cutters, Poultry Preparers 21,864 29,186 36,208 57 PERSONAL INJURY BENEFITS A-35 REG 3 Table 1 Table of Classes of Employment No. Occupations Years of Experience Under 3 3 to 10 Over 10 Level 1 Level 2 Level 3 $ $ $ 9471/72/73/74 Printing Machine Operators and Related Occupations 18,594 25,789 34,119 9483/84/86 Mechanical, Electrical and Electronical Assemblers 19,744 23,924 31,775 9496 Painters and Coaters, Manufacturing 21,839 27,329 35,351 951 Machining, Metalworking, Woodworking and Related Machine Operators 9510/16 Welders and Soldering Machine Operators 25,002 35,290 47,838 9511 Machining Tool Operators 22,741 27,308 36,001 9514 Metalworking Machine Operators 29,978 34,463 50,817 961 Labourers in Processing, Manufacturing and Utilities 9612/13 Labourers in Metal Fabrication and Chemical Products 17,057 28,441 41,342 9614 Labourers in Wood, Pulp and Paper Processing 25,839 40,941 54,368 9617 Labourers in Food, Beverage and Tobacco Processing 17,737 29,531 37,447 9619 Other Labourers in Processing, Manufacturing and Utilities 13,628 20,358 26,097 23 Aug 2002 SR 70/2002 s12; 10 Jan 2003 SR 121/2002 s8; 24 Aug 2007 SR 73/2007 s12; 7 May 2021 SR 43/2021 s12. 58 A-35 REG 3 PERSONAL INJURY BENEFITS Appendix B Schedule of Permanent Impairments TABLE OF CONTENTS DIVISION 1: MUSCULOSKELETAL SYSTEM Subdivision 1: Upper Limbs Part 1: Shoulder and Arm Part 2: Elbow and Forearm Part 3: Wrist and Hand Subdivision 2: Lower Limbs Part 1: Pelvis Part 2: Hip and Thigh Part 3: Knee and Leg Part 4: Ankle and Foot Subdivision 3: Spine Part 1: Cervical Spine Part 2: Thoracic Spine Part 3: Lumbar Spine Part 4: Other Spinal Impairments DIVISION 2: CENTRAL AND PERIPHERAL NERVOUS SYSTEM Subdivision 1: Skull, Brain and Carotid Vessels Part 1: Alteration of Brain Tissue or Function Part 2: Alteration of Skull Part 3: Alteration of Cerebrovascular Supply Part 4: Functional Alteration of Brain Subdivision 2: Spinal Cord Part 1: Complete Quadriplegia or Paraplegia (ASIA Grade A) Part 2: Incomplete Quadriplegia or Paraplegia (ASIA Grade B) – with complete or partial preservation of sensation only and – no motor preservation Part 3: Incomplete Quadriplegia or Paraplegia (ASIA Grades C and D) – with partial preservation of motor power, with or without – sensory preservation 59 PERSONAL INJURY BENEFITS A-35 REG 3 Subdivision 3: Cranial Nerves Subdivision 4: Peripheral Nervous System Part 1: The Brachial Plexus Part 2: The Lumbosacral Plexus Part 3: Nerve Roots Part 4: Peripheral Nerves DIVISION 3: MAXILLOFACIAL SYSTEM Subdivision 1: Temporomandibular Joints (TMJ) Subdivision 2: Fronto-Orbito-Nasal Area Subdivision 3: Throat and Related Structures DIVISION 4: VISION DIVISION 5: UROGENITAL SYSTEM AND FETUS Subdivision 1: Renal Function Part 1: Urinary Tract Tissue Disruption Part 2: Renal Functional Impairment Subdivision 2: Reproductive Organs Part 1: Reproductive Organ Tissue Disruption Part 2: Impairment of Reproductive/Sexual Function DIVISION 6: RESPIRATORY SYSTEM Part 1: Respiratory System Tissue Disruption Part 2: Respiratory Functional Impairment DIVISION 7: THE DIGESTIVE TRACT SYSTEM Subdivision 1: GI Tract Part 1: Impairment rating criteria for the upper GI tract Part 2: Impairment rating criteria for the lower GI tract Subdivision 2: Impairment rating criteria for the liver and biliary tract Subdivision 3: Impairment rating criteria for the abdominal wall, inguinal and femoral regions DIVISION 8: CARDIOVASCULAR SYSTEM DIVISION 9: ENDOCRINE SYSTEM Subdivision 1: Hypothalamus, Pituitary, Thyroid and Parathyroid Glands Subdivision 2: Pancreas (Endocrine Function) Subdivision 3: Adrenal Glands 60 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 10: THE HEMATOPOIETIC SYSTEM Part 1: Tissue Disruption Part 2: Functional Impairment of the Hematopoietic System DIVISION 11: VESTIBULOCOCHLEAR APPARATUS DIVISION 12: SKIN Subdivision 1: Facial Disfigurement Subdivision 2: Disfigurement of other parts of the body DEFINITIONS “disability” is defined as an alteration of an individual’s capacity to meet personal, social, or occupational demands. While not all cases of impairment lead to disability, only in the case of impairment can disability develop. Disability usually refers to a specific activity or task the individual cannot accomplish. A disability arises out of the interaction between impairment and external requirements. “impairment” is defined as a loss, loss of use, or derangement of any body part, organ system, or organ function. A medical impairment can develop from an illness or injury. “permanent impairment” is an impairment that has become static or has stabilized during a period of time sufficient to allow optimal tissue repair and one that is unlikely to change significantly with further therapy. This time period is referred to as Maximum Medical Improvement (MMI). MMI does not preclude follow-up, maintenance or palliative care or an alteration of the medical condition with the passage of time. CONCEPTUAL FRAMEWORK To rate impairment, it is necessary to weigh the relative functional importance of various structures of the human body in relation to the function of the whole person. Through ad hoc proceedings, such values, expressed as a percentage of the whole person’s function, have been assigned to the various physical and psychological impairments with international acceptance. All impairment ratings listed in this manual are “whole person” impairments. When calculating an impairment rating for an injured person who has more than one impairment, the following process must be used unless otherwise noted. When calculating an injured person’s total impairment rating, the impairments within each Subdivision of a particular Division (or if a Division has no separate Subdivision, the impairments within the Parts of a Division) are added together first. If an insured has more than one impairment, the percentage of the most severe impairment must be computed on the basis of 100% and the percentage of the other impairments, starting with the highest, must be computed in accordance with Appendix C. The percentage of an impairment pursuant to Division 12, Subdivision 2, however, must be computed last. Before using Appendix C, the percentage of impairment within each Subdivision or Division must be rounded to the nearest percentage. 61 PERSONAL INJURY BENEFITS A-35 REG 3 DIVISION 1 Musculoskeletal System The musculoskeletal system is the system most commonly affected by motor vehicle accident (MVA)-related trauma. Despite this high frequency of injury, permanent impairment of the musculoskeletal system is uncommon. For example, certain injuries that are associated with tissue disruption, (e.g. fractures) may heal completely over time with no permanent alteration in structure or function. Therefore, the majority of injuries are not associated with permanent impairment or corresponding impairment ratings. To rate impairments of the musculoskeletal system, the clinician shall consider two separate components: – the degree of tissue disruption associated with the injury; and – the alteration in function associated with the injury. For example, in a Grade III sprain of the medial collateral ligament of the knee, the ligament is disrupted anatomically by tearing or excessively elongating its fibers. While the ligament may appear to recover over time, there may remain a certain degree of functional alteration in the ligament’s tensile properties and proprioceptive functions that are not readily measurable by conventional techniques. As such, it may be accepted that such tissue damage probably represents a permanent deviation from normal function that merits a permanent impairment rating. However, there is often little if any measurable loss of function as determined by range of motion, strength and joint stability assessment. Conversely, while an injury to the anterior cruciate ligament of the knee, of similar magnitude, may result in the same amount of tissue disruption as in a medial collateral ligament sprain, the functional consequences of instability are often greater. This loss of knee function is associated with a greater impairment rating. Musculoskeletal tissues often undergo attrition with aging. Structures may take on a morphologically degenerative appearance, as part of the normal aging process, with no measurable functional limitations. Therefore, in some cases, alteration in a structure’s appearance is not itself indicative of permanent impairment. Musculoskeletal Impairment Elements Impairments of the upper and lower limbs will be rated by anatomical region. Each region will consider impairments according to the following elements: 1 amputation 2 fractures and associated complications 3 musculotendinous disruption 4 ligamentous and other soft tissue disruption 5 range of motion loss 62 A-35 REG 3 PERSONAL INJURY BENEFITS 1 Amputation Limb amputation may result from motor vehicle collision-related trauma. The impairment ratings for amputation take into consideration all aspects of tissue disruption and functional limitation associated with these conditions. If impairment for limb amputation is noted, no other tissue disruption or impairment ratings in or distal to the limb (e.g. range of motion loss, instability, disfigurement) are due unless otherwise indicated. Any associated disfigurement and scarring is included in the amputation permanent impairment allowance. Lower limb impairment ratings for amputations include functional alterations in station and gait for the various levels of amputation. 2 Fractures and Associated Complications Since bony fractures often heal without any long-term functional or cosmetic sequela, they do not always merit a permanent impairment rating. If cosmetic asymmetry arises, it should be rated according to Division 12 where alterations in form, symmetry and appearance are considered. If bony healing is abnormal, there can be functional consequences that may merit an impairment rating. In the absence of abnormal bony healing, the insertion of hardware will not necessarily result in an impairment rating for abnormal healing. Forms of Abnormal Healing may include: • non-union • limb shortening • bony angulation or rotation (torsion) • chronic osteomyelitis • avascular necrosis • intra-articular fracture • post-traumatic arthrosis • associated musculotendinous injury • associated neurological or vascular injury 3 Musculotendinous Disruption Musculotendinous ruptures and avulsion fractures are examples of anatomic injury that may result in a permanent functional deficit. These injuries may be associated with muscular atrophy. Other examples of musculotendinous tissue injuries associated with motor vehicle collision-related trauma include tissue necrosis (from direct mechanical injury or ischemia), tissue infection and direct loss of tissue from either trauma or corrective surgery. In the latter examples, the musculoskeletal impairment ratings should consider the associated loss of range of motion, power, stability and alteration in form and symmetry. 63 PERSONAL INJURY BENEFITS A-35 REG 3 4 Ligamentous and other Soft Tissue Disruption Grading of Ligamentous Injuries: Grade I: No gross disruption of ligaments with normal apposition of the joint surfaces. Grade II: Partial ligament disruption with some loss of joint stability. Grade III: Complete disruption of ligament integrity with potential joint instability. In general, the higher the grade of ligament injury the greater the impairment for anatomical disruption and the corresponding impairment rating. A higher grade of ligament injury does not necessarily lead to an increased functional impairment. Other soft tissue injuries may involve structures such as fascia, synovium, and adipose tissue. If an injury affects soft tissues other than muscle, tendon or ligament, and a specific musculoskeletal impairment rating is not listed, the functional impairment may be rated according to the range of motion loss attributable to the injured structure. If such injuries result in alterations in form and symmetry, Division 12 should be consulted. 5 Range of Motion Loss Range of motion loss is evaluated by measuring active range of motion with the aid of a measuring device (e.g. goniometer or inclinometer) according to standardized position and technique. Using the following procedure, record the measurements on a supplemental progress report form: – After adequate warm-up, record three trials to the nearest 5 degrees and take the average of the three with evidence of maximal effort; – Record both sides of the body to allow for comparison of the affected side to the non-affected side; – The total range of motion for each plane of movement is measured separately and the impairment ratings for each plane of movement is added (not combined) to determine the aggregate impairment rating for a particular joint’s range of motion loss. Subdivision 1: Upper Limbs For the purposes of impairment rating, the upper limbs may be divided into three distinct anatomical regions: 1 shoulder and arm 2 elbow and forearm 3 wrist and hand 64 A-35 REG 3 PERSONAL INJURY BENEFITS Upper limb impairments will be rated according to five different elements: 1 amputation 2 fracture and associated complications 3 musculotendinous disruptions 4 ligamentous and other soft tissue disruptions 5 range of motion loss Part 1: Shoulder and Arm The shoulder consists of four joints and associated soft tissue structures. The glenohumeral, acromioclavicular, scapulothoracic and sternoclavicular joints may all be injured with the corresponding bones, the humerus, clavicle, scapula and sternum. 1.1 Amputation including associated scarring and disfigurement: (a) Forequarter amputation .............................................................................. 65% (b) Shoulder disarticulation .............................................................................. 61% (c) Above elbow amputation (proximal third of the humerus) ........................ 59% (d) Above elbow amputation (middle & distal third of the humerus) ............ 57% 1.2 Fractures: (a) Fracture of sternum, clavicle or scapula with abnormal healing ......... 1% (b) Sternum: (i) pseudarthrosis or misalignment ......................................................... 1% (ii) loss of xiphoid process .......................................................................... 0.5% (c) Rib Fractures: pseudarthrosis or misalignment ..................................... 0.5% (d) Loss of or removal of a rib (per rib) .......................................................... 2% 1.2.1 Fracture Complications: (a) Humeral Fracture: (i) With angulation of >15 degrees .......................................................... 5% (ii) With angulation of 5 – 15 degrees ...................................................... 2.5% (iii) With shortening of >4 cm .................................................................... 5% (iv) With shortening of 2 – 4 cm ................................................................ 3% (v) With shortening of 1 – <2 cm .............................................................. 1.5% (b) Loss of the head of humerus, including its prosthetic replacement and shortening ..................................................................................... 15% (c) Fracture of the humerus with non-specified abnormal healing ........... 1% (d) Shoulder arthroplasty ........................................................................... 15% Other abnormalities or complications of fracture healing will be considered by a report submitted from the health-care practitioners. Impairment values similar to those above will be awarded according to the specific problem. 65 PERSONAL INJURY BENEFITS A-35 REG 3 1.3 Musculotendinous Disruption other than rotator cuff or biceps tendon rupture: (a) Complete musculotendinous disruption or avulsion fracture ................... 2% (b) Partial disruption ......................................................................................... 1% If the disruption is associated with range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated in Part 1.5. Common injuries or exceptions to this rule: Diagnosis Impairment Rating (c) Rotator cuff tear: (i) Imaging positive, full thickness With no known prior rotator cuff pathology ............................ 5% With known prior rotator cuff pathology ................................. 2% (ii) Partial thickness ........................................................................ 2% (d) Biceps tendon rupture (Distal or Proximal): (i) With no strength deficit in supination or elbow flexion .......... 1% (ii) With a loss of strength in supination or elbow flexion ............ 2% If there is post-traumatic range of motion loss or other dysfunction of the shoulder joint complex, see Part 1.5 for further impairment rating. 1.4 Ligamentous and Other Soft Tissue Disruption: Diagnosis Impairment Rating (a) Acromioclavicular (AC) and Sternoclavicular joint injuries: (i) Grade I separation .............................................................. 0% (ii) Grade II separation ............................................................ 0% (iii) Grade III separation ........................................................... 1% (iv) Grade IV separation ........................................................... 2% (v) Grade V separation ............................................................. 2% (vi) Grade VI separation ........................................................... 2% All grades of AC separation may have an effect on upper limb function. If range of motion of the shoulder is also affected, please see the range of motion section for further impairment rating. (b) Glenohumeral Instability: Traumatic glenohumeral dislocation (confirmed by plane radiography) (i) No recurrence of dislocation within one year of motor vehicle collision: Without prior instability ........................................................... 3% With prior instability................................................................. 2% (ii) Recurrence of dislocation within one year of motor vehicle collision: Without prior instability ............................................................. 5% With prior instability................................................................... 2% (iii) With Bankhart lesion, Hill Sachs deformity, or labral tear add .................................................................................... 1% If there is post-traumatic range of motion loss or other dysfunction of the shoulder joint complex, see Part 1.5 for further impairment rating. 66 A-35 REG 3 PERSONAL INJURY BENEFITS 1.5 Range of Motion Loss of the Shoulder Joint Complex: For purposes of impairment rating, the integrated pattern of movement of the shoulder joint complex will be evaluated by measuring glenohumeral range of motion. There are three principal functional planes of movement of the shoulder. In order of functional importance these are flexion-extension, abduction-adduction, and internal-external rotation. Range of motion loss is rated based on functional loss of active range of motion, with greater impairment ratings given to conditions resulting in a loss of forward flexion. The total range of motion for each plane of movement is measured and rated according to the following table. The impairment rating for each plane of movement is added to determine the award for shoulder range of motion loss. Flexion-Extension (motion in the scapular plane) Combined Range of Motion: normal total range of motion for this plane is 230 degrees 0 – 60 ............................................................................................................. 9% 61 – 120 ......................................................................................................... 5% 121 – 180 ....................................................................................................... 2% >181 .............................................................................................................. 0% Abduction-Adduction (motion in the coronal plane) Combined Range of Motion: normal total range of motion for this plane is 230 degrees 0 – 60 ............................................................................................................. 6% 61 – 120 ......................................................................................................... 3% 121 – 180 ....................................................................................................... 1% >181 .............................................................................................................. 0% Internal-External Rotation (at 90 degrees abduction) Combined Glenohumeral Range of Motion: normal total range of motion for this plane is 180 degrees 0 – 45 ............................................................................................................. 6% 46 – 90 ........................................................................................................... 3% 91 – 135 ......................................................................................................... 1% >136 .............................................................................................................. 0% Part 2: Elbow and Forearm The elbow consists of three joints and associated soft tissue structures. The humeroulnar, the radiohumeral and the distal radioulnar joints all may be injured, as may be the corresponding bones, the humerus, radius and ulna. 2.1 Amputations including associated scarring and disfigurement: (a) Elbow disarticulation (including amputation of the proximal third of the forearm) .................................................................................... 55% (b) Below elbow amputation (middle third of the forearm) ............................. 51% 2.2 Fractures: (a) Fractures of the radius or ulna with non-specified abnormal healing ........................................................................................ 1% 67 PERSONAL INJURY BENEFITS A-35 REG 3 2.2.1 Fracture Complications: (excluding Colles fracture) (a) Fracture of the Radius: (i) With angulation of >15 degrees ............................................................ 5% (ii) With angulation of 5 –15 degrees ......................................................... 2.5% (iii) With shortening of >4 cm ...................................................................... 5% (iv) With shortening of 2 – 4 cm .................................................................. 3% (v) With shortening of 1 – <2 cm ................................................................ 1.5% (b) Fracture of the Ulna: (i) With angulation of >15 degrees ............................................................ 5% (ii) With angulation of 5 – 15 degrees ........................................................ 2.5% (iii) With shortening of >4 cm ...................................................................... 5% (iv) With shortening of 2 – 4 cm .................................................................. 3% (v) With shortening of 1 – <2 cm ................................................................ 1.5% (c) Elbow arthroplasty ............................................................................... 10% 2.3 Musculotendinous Disruption: (a) Complete musculotendinous disruption or avulsion fracture ................... 2% (b) Partial disruption ......................................................................................... 1% If the disruption is associated with a range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated under Part 2.5. 2.4 Ligamentous and other Soft Tissue Disruption: (a) Ulnar and Radial Collateral Injuries: (i) Grade I sprain ........................................................................................ 0% (ii) Grade II sprain ...................................................................................... 1% (iii) Grade III sprain ..................................................................................... 2% All grades of ulnar and radial collateral injuries may have an effect on upper limb function. If range of motion of the elbow is also affected, see Part 2.5 for further impairment rating. 2.5 Range of Motion Loss at the Elbow: There are two principal functional planes of movement of the elbow. In order of functional importance these are flexion-extension and pronation-supination.Range of motion loss is rated based on functional loss of active range of motion, with greater impairment ratings given to conditions that result in a loss of extension.

The total range of motion for each plane of movement is measured and rated according to the following table. The impairment rating for each plane of movement is added to determine the award for elbow range of motion loss. Flexion-Extension: Combined Range of Motion: normal total range of motion for this plane is 140 degrees No movement................................................................................................ 14% 1 – 40 ............................................................................................................. 12% 41 – 80 ........................................................................................................... 7% 81 – 120 ......................................................................................................... 4% 121 – 135 ....................................................................................................... 1% >135 .............................................................................................................. 0% 68 A-35 REG 3 PERSONAL INJURY BENEFITS Pronation-Supination: Combined Range of Motion: normal total range of motion for this plane is 160 degrees No movement................................................................................................ 9% 1 – 50 ............................................................................................................. 4% 51 – 100 ......................................................................................................... 3% 101 – 140 ....................................................................................................... 2% 141 – 150 ....................................................................................................... 1% >150 .............................................................................................................. 0% Part 3: Wrist and Hand 3.1 Amputations including associated scarring and disfigurement: (a) Wrist disarticulation (including the distal third of the forearm) .............. 49% (b) Transmetacarpal or MCP disarticulation: (i) 1st metacarpal ...................................................................................... 23.5% (ii) 2nd or 3rd metacarpal (each) ............................................................... 11.5% (iii) 4th or 5th metacarpal (each) ................................................................. 6% *Note: if multiple metacarpals are affected, the impairment ratings are combined, not added. (c) Trans-digital (proximal phalanx) or PIP disarticulation: (i) Thumb ................................................................................................. 12.5% (ii) Index or middle finger (each) ................................................................ 8.5% (iii) Ring or small finger (each) .................................................................... 4.5% *Note: if multiple digits are affected, the impairment ratings are combined, not added. (d) Trans-digital (middle or distal phalanx) or DIP disarticulation: (i) Thumb ................................................................................................. 12.5% (ii) Index or middle finger (each) ................................................................ 5.5% (iii) Ring or small finger (each) .................................................................... 3.5% *Note: if multiple digits are affected, the impairment ratings are combined, not added. 3.2 Fractures: Specific injuries: Diagnosis Impairment Rating (a) Scaphoid fracture ............................................................................... 0% (b) Scaphoid fracture with avascular necrosis ....................................... 2% (c) Scaphoid Fracture with non-union or pseudarthrosis ..................... 2% (d) Colles Fracture with anatomical reduction ...................................... 0% (e) Colles Fracture with >15 degrees of angulation of radius ............... 2% (f) Avascular necrosis of lunate .............................................................. 2% (g) Fracture of a carpal, metacarpal, or phalanx, with abnormal healing ............................................................................... 1% If any of the above are associated with range of motion loss, proceed to Part 3.5. 69 PERSONAL INJURY BENEFITS A-35 REG 3 3.3 Musculotendinous Disruptions: (a) Complete musculotendinous disruption or avulsion fracture, affecting the wrist or hand .......................................................................... 2% (b) partial disruptions ....................................................................................... 1% If the disruption is associated with range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated under Part 3.5. 3.4 Ligamentous and other Soft Tissue Disruption: (a) Carpal Instability Carpal instability patterns are classified as mild, moderate or severe. The classification is usually based on the roentgenographic findings listed in the following Table: Impairment Due to Carpal Instability Patterns Roentgenographic Findings Mild Moderate Severe 5% 10% 14% Radiolunate angle 11o – 20o 21o – 30o >30o Scapholunate angle 61o – 70o 71o – 80o >80o Scapholunate gap >3mm >5mm >8mm Triquetrolunate stepoff >1mm >2mm >3mm Ulnar Translation Mild Moderate Severe A mild carpal tunnel instability exists also when a ligament tear has been diagnosed by arthrogram, arthroscopy, or MRI, even though the static roentgenographic findings may be normal. Certain individuals may have wrist pain and loss of strength related to a dynamic or nondissociative carpal instability that cannot be measured by changes of angles on static roentgenograms. Symptoms of nondissociative wrist instability are painful clicking and clunking with daily activities of living. The radiocarpal joint represents 40% of the upper extremity. Therefore the grades of mild (20%), moderate (40%), and severe (60%) impairment represent upper extremity impairments of 8%, 16% and 24% respectively. Only one category of severity of carpal instability impairment is selected, based on the greatest severity of the roentgenographic findings. The severity categories cannot be added or combined. The selected upper extremity impairment value may be combined only with limited wrist motion. Pain and decreased strength are not rated separately. The scapholunate and radiolunate angles are measured on a lateral radiograph taken with the fist forcefully clenched (stressed view) and the wrist in neutral flexion/extension and lateral deviation. Lines are drawn on the film parallel to the long axis of the radius through the long axis of the scaphoid (palmar surface), and a line representing the long axis of the lunate (a line perpendicular to the line connecting the two distal poles). The angles between these lines are measured. The normal radiolunate relationship should be less than 10o of either volar or dorsal lunate angulation. The scapholunate angle ranges from 30o to 60o (average of 47o). The triquetrolunate stepoff is measured on the neutral posteroanterior (PA) view and represents proximal or ulnar translation or the triquetrum. The scapholunate gap is best profiled on a neutral PA view with the ulnar aspect of the hand elevated at 10o to 15o or on a neutral anteroposterior (AP) view. 70 A-35 REG 3 PERSONAL INJURY BENEFITS Ulnar translation may occur secondary to injury or arthritis. It is measured on the neutral PA view with the fist forcefully clenched. Normally, more than 50% of the lunate overlies the ulnar border of the distal radius. As ulnar translation becomes more severe, progressively less of the lunate overlies the radius. The grades of severity of upper extremity impairment are classified as mild (8%), wherein less than 50% of the lunate overlies the distal radius ulnar border; moderate (16%), wherein less than 25% of the lunate overlies the distal radius ulnar border; and severe (24%), wherein the lunate is displaced ulnarly off the radius. (b) Triangular Fibrocartilage Complex tears ................................................... 2% (c) Carpal Tunnel Syndrome: Rate as per neurologic impairment guidelines (see Division 2: Subdivision 4). 3.5a Range of Motion Loss of the Wrist There are two principal functional planes of movement of the wrist. In order of functional importance these are flexion-extension and radial deviation-ulnar deviation. (Pronation and supination, which occurs at the distal radio-ulnar joint, is rated under elbow impairments. Therefore, if a patient has a decreased active range of motion in pronation and supination associated with a wrist injury, it should be rated using the elbow ratings under Part 2.5 above.) Range of motion loss is rated based on functional loss of active range of motion, with greater impairment ratings given to conditions resulting in a loss of flexion. The total range of motion for each plane of movement is measured and rated according to the following table. The impairment rating for each plane of movement is added to determine the award for wrist range of motion loss. Flexion – Extension: Combined Range of Motion: normal total range of motion for this plane is 120 degrees No movement................................................................................................ 8% 1 – 30 ............................................................................................................. 4% 31 – 60 ........................................................................................................... 3% 61 – 90 ........................................................................................................... 2% 91 – 100 ......................................................................................................... 1% >100 .............................................................................................................. 0% Radial Deviation – Ulnar Deviation: Combined Range of Motion: normal total range of motion for this plane is 50 degrees No movement................................................................................................ 6% 1 – 25 ............................................................................................................. 2% 26 – 40 ........................................................................................................... 1% >40 ................................................................................................................ 0% 3.5b Range of Motion Loss of the Hand Flexion-extension is the principal functional plane of movement of the digits other than the thumb. This motion occurs at the MCP, PIP and DIP joints. The thumb is the most mobile digit and may move in several planes over and above the cardinal planes of movement. For the purposes of impairment rating, thumb range of motion may be measured as flexion-extension (at the IP and MCP joints), adduction-abduction at the first CMC joint and opposition using all joints in combination. 71 PERSONAL INJURY BENEFITS A-35 REG 3 The total range of motion for each plane of movement is measured and rated according to the following table. The impairment rating for each plane of movement is added to determine the award for the thumb or other digital range of motion loss. Thumb IP Flexion-Extension: Combined Range of Motion: normal total range of motion for this plane is 80 degrees Ankylosis in faulty position ......................................................................... 4% Ankylosis in functional position .................................................................. 2% 1 – 40 ............................................................................................................. 1% 41 – 70 ........................................................................................................... 0.5% >70 ................................................................................................................ 0% Thumb MCP Flexion-Extension: Combined Range of Motion: normal total range of motion for this plane is 60 degrees No movement................................................................................................ 2% 1 – 30 ............................................................................................................. 1% 31 – 50 ........................................................................................................... 0.5% >50 ................................................................................................................ 0% Thumb Adduction: This motion is evaluated by measuring the smallest possible distance in centimetres (cm) from the flexor crease of the IP joint of the thumb to the distal palmar crease overlying the MCP joint of the small finger. The normal range is from 0 – 8 cm. 8 cm ............................................................................................................... 4% 6 cm ............................................................................................................... 2% 4 cm ............................................................................................................... 1% 2 cm ............................................................................................................... 0.5% <2 cm ............................................................................................................. 0% Thumb Radial Abduction: Combined Range of Motion: normal total range of motion for this plane is 50 degrees No movement................................................................................................ 2% 1 – 25 ............................................................................................................. 1% 26 – 40 ........................................................................................................... 0.5% >40 ................................................................................................................ 0% Thumb Opposition: This motion is evaluated by measuring the largest possible distance in centimetres from the flexor crease of the IP joint of the thumb to the distal palmar crease overlying the MCP joining of the middle finger. The normal range is from 0-8 centimetres but may vary with hand size. 8 cm ............................................................................................................... 0% 6 cm ............................................................................................................... 0.5% 4 cm ............................................................................................................... 1% 2 cm ............................................................................................................... 2% <2 cm ............................................................................................................. 4% 72 A-35 REG 3 PERSONAL INJURY BENEFITS Finger DIP Flexion-Extension: Combined Range of Motion: normal total range of motion for this plane is 70 degrees No movement................................................................................................ 1% 1 – 35 ............................................................................................................. 0.5% 36 – 70 ........................................................................................................... 0% Finger PIP Flexion-Extension: Combined Range of Motion: Normal total range of motion for this plane is 130 degrees No movement................................................................................................ 1% 1 – 65 ............................................................................................................. 0.5% 66 – 130 ......................................................................................................... 0% Finger MCP Flexion-Extension: Combined Range of Motion: Normal total range of motion for this plane is 110 degrees No movement................................................................................................ 1% 1 – 55 ............................................................................................................. 0.5% 56 – 110 ......................................................................................................... 0% Subdivision 2: Lower Limbs For the purposes of impairment rating, the lower limbs may be divided into four distinct anatomical regions: 1 pelvis 2 hip and thigh 3 knee and leg 4 ankle and foot As with the upper limbs, lower limb impairments will be rated according to five different elements including: 1 amputation 2 fracture and associated complications 3 musculotendinous disruption 4 ligamentous and other soft tissue disruption 5 range of motion loss Part 1: Pelvis 1.1 Amputation including associated scarring and disfigurement Hemipelvectomy ........................................................................................... 56% 1.2 Fractures (a) Undisplaced, non-articular, healed fractures with no other complications ................................................................................................ 0% (b) Fractures involving the sacroiliac joint ...................................................... 2% (c) Fractures involving the acetabulum: Rate using hip range of motion limitation tables (see Part 2.4) 73 PERSONAL INJURY BENEFITS A-35 REG 3 1.3 Pelvic Range of Motion Loss Clinical tests to identify range of motion loss of the sacroiliac joint lack sufficient inter-rater reliability to be considered reliable. Therefore, impairments for pelvic range of motion loss will not be rated. Part 2: Hip and Thigh 2.1 Amputation including associated scarring and disfigurement (a) Hip disarticulation (including proximal one-third of the femur) .............. 51% (b) Above knee amputation: (i) proximal ................................................................................................. 49% (ii) mid-thigh ................................................................................................ 45% (iii) distal ....................................................................................................... 40% 2.2 Specific Fractures and their Complications (a) Injuries to the acetabulum and the head of the femur requiring a total prosthetic joint replacement, including any shortening of the lower limb .............................................................................................. 15% (b) Damage to the femoral head requiring replacement of the femoral component of the hip joint, including any shortening of the lower limb .................................................................................................... 10% (c) Intra-articular fracture of the hip ............................................................ 2% (d) Femoral shaft fractures with angulation: (i) > 20 degrees .......................................................................................... 4% (ii) 10 – 20 degrees ..................................................................................... 2% (e) Femoral shaft fractures with mal-rotation: (i) > 20 degrees .......................................................................................... 4% (ii) 10 – 20 degrees ..................................................................................... 2% (f) Resulting in avascular necrosis: (i) Leading to hip arthroplasty (see Part 2.2(b)) (ii) Without arthroplasty (rate according to range of motion loss in Part 2.4) (g) Femoral fractures with non-specified abnormal healing ..................... 1% (h) Shortening of femur*: (i) With shortening of more than 4 cm ............................................... 5% (ii) With shortening of 2 – 4 cm ........................................................... 3% (iii) With shortening of 1 – < 2 cm ........................................................ 1.5% *This award is for injuries to the femur other than clauses (a) and (b) above Fracture Complications: (a) Femoral shaft fractures with angulation: (i) > 20 degrees ........................................................................................... 4% (ii) 10 to 20 degrees ..................................................................................... 2% 74 A-35 REG 3 PERSONAL INJURY BENEFITS (b) Femoral shaft fractures with mal-rotation: (i) > 20 degrees ........................................................................................... 4% (ii) 10 to 20 degrees ..................................................................................... 2% (c) Resulting in avascular necrosis: (i) Leading to hip arthroplasty (see Part 2.2(b)) (ii) Without arthroplasty (rate according to range of motion loss in Part 2.4) (d) Femoral fractures with non-specified abnormal healing ........................... 1% 2.3 Musculotendinous Disruptions (a) Complete musculotendinous disruption or avulsion fracture, affecting the hip or thigh ............................................................................. 2% (b) Partial disruptions of the hip or thigh ........................................................ 1% If the disruption is associated with range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated under Part 2.4. (c) Thigh muscular atrophy of 2 cm or more, as measured 15 cm above the superior pole of the patella, including any resulting weakness ................ 2% (d) Labral tear of the hip .................................................................................. 2% 2.4 Range of Motion Loss at the Hip There are three principal functional planes of movement of the hip. In order of functional importance these are flexion-extension, abduction-adduction and internal- external rotation. Range of motion loss is rated based on functional loss of active range of motion, with greater impairment ratings given to conditions that result in a loss of flexion-extension. (a) Hip dislocation confirmed radiologically, and requiring reduction by medical personnel ................................................................................... 5% (b) Hip Joint Ankylosis: (i) in a position prohibiting gait ................................................................ 25% (ii) in a position allowing gait .................................................................... 20% (c) Range of Motion Restriction The total range of motion for each plane of movement is measured and rated according to the following table. The impairment rating for each plane of movement is added to determine the award for hip range of motion loss. Flexion-extension: Combined Range of Motion in Degrees: Normal total range of motion for this plane is 150 degrees 0 – 30 ............................................................................................................. 10% 31 – 60 ........................................................................................................... 7% 61 – 90 ........................................................................................................... 3% 91 – 120 ......................................................................................................... 1% >120 .............................................................................................................. 0% 75 PERSONAL INJURY BENEFITS A-35 REG 3 Internal-External Rotation: Combined Range of Motion in Degrees: Normal total range of motion for this plane is 90 degrees 0 – 30 ............................................................................................................. 5% 31– 60 ............................................................................................................ 3% >60 ................................................................................................................ 0% Abduction-Adduction: Combined Range of Motion in Degrees: Normal total range of motion for this plane is 60 degrees 0 – 15 ............................................................................................................. 5% 15 – 45 ........................................................................................................... 3% >45 ................................................................................................................ 0% Part 3: Knee and Leg 3.1 Amputations including associated scarring and disfigurement (a) Knee disarticulation, including proximal below knee amputation, not suitable for a patellar tendon bearing (PTB) prosthesis ............................................................................. 37% (b) Below knee amputation suitable for a PTB prosthesis .............................. 32% 3.2 Specific Fractures and their Complications (a) Tibial, Fibular or Patellar fractures with non-specified abnormal healing ......................................................................................................... 1% (b) Patellar fractures resulting in its surgical removal .................................. 5% (c) Fracture or dislocation of the patella resulting in quadriceps atrophy ... 2% (d) Leg (tibial or fibular) fractures resulting in single or multi-planar angulation: (i) >15 degrees ........................................................................................... 5% (ii) 10 – 15 degrees ..................................................................................... 2.5% (e) Leg (tibial or fibular) fractures resulting in mal-rotation: (i) >>20 degrees ......................................................................................... 3% (ii) 10 – 20 degrees ...................................................................................... 2% (f) Knee, thigh or leg injuries requiring a knee arthroplasty ........................ 8% (g) Intra-articular fracture of the knee ........................................................... 2% (h) Leg (tibial or fibular) resulting in shortening: (i) > 4 cm .................................................................................................... 5% (ii) between 2 – 4 cm .................................................................................. 3% (iii) between 1 – 2 cm ................................................................................... 1.5% Fracture Complications: (a) Patellar fractures resulting in its surgical removal ................................... 5% (b) Fracture or dislocation of the patella resulting in quadriceps atrophy .... 2% (c) Leg (tibial or fibular) fractures resulting in single or multi-planar angulation: (i) >15 degrees ............................................................................................ 3% (ii) 10 – 15 degrees ...................................................................................... 2% 76 A-35 REG 3 PERSONAL INJURY BENEFITS (d) Leg (tibial or fibular) fractures resulting in mal-rotation: (i) >20 degrees ............................................................................................ 3% (ii) 10-20 degrees ......................................................................................... 2% (e) Knee, thigh or leg injuries requiring a knee arthroplasty ......................... 8% (f) Intra-articular fracture of the knee ............................................................ 2% These awards include any limb shortening, muscular atrophy or weakness. 3.3 Musculotendinous Disruptions (a) Complete musculotendinous disruption or avulsion fracture, affecting the knee or leg............................................................................... 2% (b) Partial disruption or avulsion fracture affecting knee or leg .................... 1% *Note: If the disruption is associated with range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated under Part 3.5. (c) Leg muscular atrophy of 1.5 cm or more, as measured 15 cm below the inferior pole of the patella, including any resulting weakness.................. 2% 3.4 Ligamentous and Other Soft Tissue Disruptions In general, the higher the grade of ligament injury, the greater the impairment and the corresponding impairment rating. Most grade I and II knee joint ligament injuries heal without loss of function and therefore will not have an impairment rating. (a) Cruciate or Collateral ligament injuries associated with: (i) Occasional instability not interfering with occupational or recreational function ......................................................................... 2% (ii) Regular episodes of instability that interferes with occupational or recreational function ................................................... 7% (iii) Frequent episodes of instability that limits most occupational and recreational function ................................................ 10% (iv) Frequent episodes of instability prohibiting all occupational and recreational function ................................................ 15% (b) Meniscal Tears (medial or lateral) .............................................................. 2% (c) Post-traumatic Patellofemoral pain syndrome with objective signs ......... 1% 3.5 Range of Motion Loss at the Knee The knee joint complex consists of the patellofemoral joint, the tibiofemoral joint and the proximal tibiofibular joint. For the purposes of impairment rating, knee range of motion loss impairments will be evaluated by measuring tibiofemoral range of motion. There are two principal functional planes of movement of the knee. In order of functional importance these are flexion-extension and internal-external rotation. The latter is difficult to measure reliably and will not be rated. Range of motion loss is rated based on functional loss of active range of motion, with greater impairment ratings given to conditions resulting in a loss of flexion-extension. (a) Ankylosis: (i) in a faulty position (recurvatum, varus, valgus, malrotation), including any damage to the patella, shortening of the lower limb, or muscular atrophy or weakness ..................................... 20% (ii) in a functional position, including any damage to the patella, shortening by 3 cm or less, altered alignment (recurvatum, varus, valgus, rotation) or muscular atrophy or weakness .............................................................................. 15% 77 PERSONAL INJURY BENEFITS A-35 REG 3 (b) Flexion: active range of motion in degrees: 5 – 60 ...................................................................................................... 14% 61 – 80 .................................................................................................... 8% 81 – 110 .................................................................................................. 2% >110 ........................................................................................................ 0% (c) Flexion contracture: active range of motion in degrees away from the neutral position (knee straight position): <5 ............................................................................................................ 0% 5 – 9 ........................................................................................................ 4% 10 – 20 .................................................................................................... 8% >20 .......................................................................................................... 14% Part 4: Ankle and Foot 4.1 Amputations including associated scarring and disfigurement (a) amputation at the ankle (Symes) ................................................................ 29% (b) mid-tarsal amputation (Chopart) ................................................................ 21% (c) tarsometatarsal amputation (Lisfranc) ...................................................... 20% (d) transmetatarsal amputation ....................................................................... 18% (e) amputation of all five toes at the MTP joint ............................................... 10% (f) amputation with loss of the distal end of the first metatarsal ................. 5.25% (g) bone amputation of the great toe at the MTP joint .................................... 3.5% (h) amputation of the distal end of the fifth metatarsal ................................. 2.25% (i) amputation of the great toe at the IP joint ................................................. 2.5% (j) total or partial amputation of the 2nd, 3rd, 4th and 5th toes (per toe) .... 1.1% 4.2 Fractures Fracture Complications: (a) Avascular necrosis of the talus ................................................................... 5% (b) Avascular necrosis of the navicular ........................................................... 3% (c) Chronic osteomyelitis of any lower limb bone with active drainage ........ 3% (d) Post-traumatic tarsal/metatarsal deformity necessitating the use of a custom-fitted shoe or orthosis to accommodate for the condition ............ 0.5% (e) Fractures of the tibia, fibula, tarsal or metatarsal bones with non-specified abnormal healing .................................................................. 1% 4.3 Musculotendinous Disruptions (a) Complete musculotendinous disruption or avulsion fracture, affecting the foot or ankle ............................................................................ 2% (b) Partial musculotendinous disruption or avulsion fracture affecting foot or ankle .................................................................................. 1% *Note: If the disruption is associated with range of motion loss of an adjacent joint, then an additional range of motion loss impairment may be rated under Part 4.5. (c) Achilles tendon rupture ............................................................................... 3% 78 A-35 REG 3 PERSONAL INJURY BENEFITS 4.4 Ligamentous and Other Soft Tissue Disruptions Ligament injury resulting in chronic ankle instability .................................... 1.5% 4.5 Range of Motion Loss at the Foot or Ankle (a) Ankle arthroplasty ...................................................................................... 8% (b) Ankylosis of the ankle or foot: (i) subtalar, midtarsal, tibiotalar (panarthrodesis) ................................. 12% (ii) tibiotalar up to 10º of plantar flexion, with loss of inversion and eversion .......................................................................................... 8% (iii) subtalar and midtarsal (triple arthrodesis) ........................................ 4% (iv) subtalar ................................................................................................. 3% (v) tarsal-metatarsal .................................................................................. 2.5% (vi) metatarsophalangeal: big toe ..................................................................................................... 1.5% any other toe .......................................................................................... 0.5% (vii) interphalangeal: big toe ..................................................................................................... 1 % any other toe .......................................................................................... 0.5% (c) Range of motion: (i) tibiotalar plantar flexion in degrees: (ii) 1 – 10 ..................................................................................................... 6% (iii) 11 – 20 ................................................................................................... 3% >20 ......................................................................................................... 0% (ii) tibiotalar dorsiflexion in degrees: 0 – 10 ..................................................................................................... 3% >10 ......................................................................................................... 0% (iii) loss of forefoot inversion/eversion (also referred to as supination/ pronation) .............................................................................................. 3% 79 PERSONAL INJURY BENEFITS A-35 REG 3 Subdivision 3: Spine Spinal injuries may affect: • the bony elements, • the soft tissue elements (ligaments, discs, muscles) • the neural elements. The bony and soft tissue elements are considered in this section while the neural elements are dealt with in Division 2, Subdivisions 3 and 4. As with the rating of musculoskeletal impairments, the clinician rating spinal impairments may consider the degree of tissue disruption as well as the alteration in function associated with a particular injury. However, unlike the appendicular musculoskeletal system, there is less reliance on range of motion assessment as a barometer of function. This is due to the fact that inter-segmental motion is difficult to evaluate clinically. Therefore, the impairments listed are an estimate both of the degree of tissue disruption as well as the alteration in function, expressed as a single value. In addition, spinal range of motion has been shown to vary both with respect to time of day and direction of motion (e.g. from flexion to extension vs. from extension to flexion). When range of motion assessment is utilized in the evaluation of spinal instability, radiographic criteria will be used. Bony Injuries Spinal bony injuries generally include fractures and dislocations. Occasionally the two occur coincidentally. Some bony alterations (e.g. compression, osteophyte formation) may be asymptomatic and occur without a specific precipitating event. Many of these degenerative changes are the natural consequence of aging. Their mere presence on an imaging study is not indicative of clinical relevance nor does it establish that they are sequelae of a traumatic event. While the latter is possible, the relationship to trauma should be confirmed by a careful historical enquiry and supplemented by a bone or SPECT scan (when ordered out of medical necessity), which may offer evidence with respect to the age of the bony abnormality in question. It should be noted that plane radiographs of the spine are unreliable at detecting sources of spinal pain in the absence of an ominous diagnosis (e.g. fracture, tumor or infection). Findings noted on these studies, including disc degeneration (often referred to as degenerative disc disease), and joint space narrowing, are poorly predictive of the source of pain generation. One should therefore interpret radiographic studies with caution and only in the context of the entire clinical picture including the history, physical examination, other laboratory/imaging studies and response to treatment or diagnostic injection. Soft Tissue Injuries Soft tissue injuries may involve any of the non-bony elements of the spine (the neural elements are considered separately). While there are many different types of soft tissue injuries, not all will necessarily result in a ratable impairment. The permanent functional limitations that may arise as a result of soft tissue injuries are noted below. 80 A-35 REG 3 PERSONAL INJURY BENEFITS Discovertebral Injuries Discovertebral impairments (e.g. disc herniation, internal disc disruption) merit discussion as they are often attributed to accident-related mechanisms of injury. Classically, a disc will fail (and therefore progress to a focal herniation or eventually degenerate) when subjected to a combination of forces including flexion, rotation and axial loading. These forces may occur in some frontal or oblique/perpendicular collisions, but are uncommon in rear-end collisions. As the head is usually freely mobile during a collision (unlike the torso which is usually restrained by a lap and shoulder belt), this mechanism of injury is only a potential cause of discovertebral injury for the cervical spine. Given that the trunk has a proportionately larger mass than the cervical spine (and is therefore subjected to a relatively smaller deceleration force upon impact) accident- related mechanisms of injury are rare as a cause of thoracic and lumbar disc lesions. Discovertebral injuries may become symptomatic by virtue of the fact that the disc and the immediately adjacent ligaments and dura (the tissue surrounding the neural elements) are innervated and therefore may be a primary source of pain. When a disc progresses to herniation, there may be secondary irritation or frank compression of the adjacent neural elements resulting in pain originating from these tissues as well. In the setting of disc herniation with nerve root compression, the classical clinical picture is characterized by: • painful or restricted spinal range of motion • complaint of neck (or low back) and/or upper limb (or lower limb) pain • diminution or loss of reflex in the distribution of the involved nerve root • weakness of the muscles supplied by the involved nerve root • altered sensation over the skin supplied by the involved nerve root • increased neural tension as shown by positive root stretch tests When a discovertebral injury is suspected to have arisen from an MVA-related mechanism of injury, the diagnosis should be based on the presence of a majority of the above clinical features and supported by appropriate imaging (CT, MRI) or electrodiagnostic (nerve conduction, EMG) tests. Ligamentous Injuries Ligaments are connective tissue, which link adjacent bones. In the spine, the vertebrae are stabilized from the front, rear and side by a network of ligamentous structures. When these ligaments are injured, the result may produce decreased stability of the spinal column manifesting as excessive segmental range of motion. Spinal ligaments may be injured when they are abruptly lengthened. Both clinical and laboratory examinations lack the necessary sensitivity and specificity to detect all but the most severe forms of ligamentous disruption. From a functional point of view, the best method of evaluating for a tear of a spinal ligament is by radiographs utilizing flexion and extension views. This allows for the accurate assessment of segmental motion by objectively measuring the degree of anterolisthesis (forward slippage) or retrolisthesis (rearward slippage) of two adjacent vertebrae. Table 3.1 shows the range of abnormal motion for flexion-extension views for the various spinal regions. 81 PERSONAL INJURY BENEFITS A-35 REG 3 Part 1: Cervical Spine (a) *Fusion of the atlanto-occipital joint (C0-C1), including post-traumatic bony alterations ................................................. 6% (b) *Fusion of the atlanto-axial joint (C1 and C2), including post-traumatic bony alterations .................................................................. 12% (c) Non-union of the odontoid process following a fracture: (i) with evidence of radiographic instability as defined in (e) (per Table 3.1) ................................................................. 6% (ii) without evidence of radiographic instability (per Table 3.1) .............. 3% (iii) accompanied by myelopathy (see Division 2, Subdivision 3) (d) uncomplicated odontoid fracture without instability ................................. 0.5% (e) Instability of the atlanto-axial joint (C1 and C2), following a fracture or ligamentous injury, as documented by evidence of excessive motion on flexion-extension views: (i) forward slippage <5 mm ........................................................................ 2.5% (ii) forward slippage 5 – >5 mm .................................................................. 5% (iii) accompanied by myelopathy (see Division 2, Subdivision 3) (f) *Fusion of C2-7 vertebrae, including any post-traumatic bony alterations, (e.g. laminectomy, vertebrectomy, and discectomy), if applicable, per inter-space ....................................................................... 4% (g) Spondylolisthesis (in the absence of a compression fracture) following a C2-C7 ligamentous injury as documented by radiographic instability on flexion extension views (per Table 3.1), per inter-space ....................... 2% (h) Post-traumatic bony alteration following a vertebral body burst fracture: (i) with radiographic instability (per Table 3.1) ....................................... 6% (ii) without radiographic instability (per Table 3.1) .................................. 3% (iii) with associated myelopathy (see Division 2, Subdivision 3) (i) Vertebral body compression fracture with radiographic instability on flexion extension views (per Table 3.1): (i) loss of height >50% ................................................................................ 6% (ii) loss of height 25 – 50% .......................................................................... 4% (iii) loss of height <25% ................................................................................ 2% (j) Vertebral body compression fracture without radiographic instability on flexion extension views (per Table 3.1), including any range of motion restriction: (i) loss of height >50% ................................................................................ 3% (ii) loss of height 25 – 50% .......................................................................... 2% (iii) loss of height <25% ................................................................................ 1% (k) Bone alteration following a compartmented fracture of a vertebral body............................................................................................ 0.5% *These impairments include bony fusion using an internal fixation device or bone graft material. 82 A-35 REG 3 PERSONAL INJURY BENEFITS Part 2: Thoracic Spine (a) Vertebral body compression fracture with radiographic instability on flexion-extension views (per Table 3.1): (i) loss of height >50% ................................................................................ 6% (ii) loss of height 25 – 50% .......................................................................... 4% (iii) loss of height <25% ................................................................................ 2% (b) Vertebral body compression fracture without radiographic instability on flexion-extension views (per Table 3.1), including any range of motion restriction: (i) loss of height >50% ................................................................................ 4% (ii) loss of height 25 – 50% .......................................................................... 2% (iii) loss of height <25% ................................................................................ 1% (c) *Fusion of two or more adjacent thoracic vertebrae, including any post-traumatic bony alterations, (e.g. laminectomy, vertebrectomy, and discectomy), if applicable; per inter-space ................. 4% (d) Post-traumatic bony alterations following a burst fracture of a thoracic vertebral body: (i) with radiographic instability (per Table 3.1) ....................................... 6% (ii) without radiographic instability (per Table 3.1) .................................. 3% (iii) with associated myelopathy (see Division 2, Subdivision 3) (e) Spondylolisthesis (in the absence of a compression fracture) following a ligamentous injury as documented by radiographic instability on flexion extension views (per Table 3.1), per inter-space ........................................ 2% (f) Excessive active range of motion following a costovertebral fracture or dislocation, including any range of motion restriction or radiographic instability, per spinal segment ...................... 0.5% *These impairments include bony fusion using an internal fixation device or bone graft material. Part 3:

Lumbar Spine (a) Vertebral body compression fracture with radiographic instability (per Table 3.1): (i) loss of height >50% ................................................................................ 6% (ii) loss of height 25 – 50% .......................................................................... 4% (iii) loss of height <25% ................................................................................ 2% (b) Vertebral body compression fracture without radiographic instability (per Table 3.1), including any range of motion restriction: (i) loss of height >50% ................................................................................ 3% (ii) loss of height 25 – 50% .......................................................................... 2% (iii) loss of height <25% ................................................................................ 1% (c) *Fusion of two or more adjacent lumbar vertebrae, including any post-traumatic bony alterations, (e.g. laminectomy, vertebrectomy, and discectomy), if applicable; per inter-space ................. 4% 83 PERSONAL INJURY BENEFITS A-35 REG 3 (d) Post-traumatic bony alteration following a burst fracture of a lumbar vertebral body: (i) with radiographic instability (per Table 3.1) ....................................... 6% (ii) without radiographic instability (per Table 3.1) .................................. 3% (iii) with associated myelopathy (see Division 2, Subdivision 3) (e) Spondylolisthesis (in the absence of a compression fracture) following a ligamentous injury as documented by radiographic instability on flexion extension views (per Table 3.1) per inter-space .................................................................... 2% *These impairments include bony fusion using an internal fixation device or bone graft material. Part 4: Other Spinal Impairments (a) Post-traumatic alteration of an intervertebral disc (e.g. disc herniation, internal disc disruption, disc space infection, discectomy) including any range of motion restriction or radiographic instability, per spinal segment: (i) with associated myelopathy (see Division 2, Subdivision 2) (ii) with associated radiculopathy (see Division 2, Subdivision 4, Part 3) (iii) without associated myelopathy or radiculopathy ............................ 3% (b) Complete laminectomy including removal of both laminae and spinous processes per spinal segment .................................. 2% (c) Partial laminectomy, laminotomy or foraminotomy, with preservation of one lamina, per spinal segment ....................................... 1% (d) Any post-traumatic alteration of a spinous process, transverse process, lamina or facet joint, per vertebral segment, with or without abnormal healing ................................................................................................. 0.5% (e) Post-traumatic alteration of the coccyx with or without coccygectomy ............................................................................. 0.5% Table 3.1 Vertebral Level Slippage in mm C1-2 see Part 1: Cervical Spine C3-7 3.5 T1-L4 5 L5-S1 5 84 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 2 Central And Peripheral Nervous System Subdivision 1: Skull, Brain and Carotid Vessels For the purposes of impairment rating the nervous system may be divided into: • central • peripheral (The autonomic nervous system is not rated separately.) The central nervous system may be further sub-divided into: • brain • spinal cord The peripheral nervous system may be further sub-divided into: • cranial nerves • peripheral nerves Spinal cord and brain injuries are considered upper motor neuron injuries as they interrupt central neural pathways (circuits) that control peripheral functions such as motor power, sensation and bladder control. Brain injuries may also affect cognition and behavior. These injuries are often diffuse as they affect a number of functions distal to the injury. Brain injuries may occur after direct head trauma, when the head undergoes an abrupt acceleration/deceleration or when the major vessels supplying the brain are damaged. Spinal cord injuries are usually accompanied by spinal fracture and/or dislocation, but may also occur following vascular injury. Cranial and peripheral nerve injuries are considered lower motor neuron injuries as they directly affect the fibers that transmit sensory and motor input to and from the central nervous system. These injuries may be focal or multi-focal depending on the number of nerve fibers affected. Unlike central nervous system injuries, these injuries have the potential to regenerate or recover completely or partially if circumstances are favourable. When an incomplete brain or spinal cord injury occurs, range of motion loss may occur at a joint below the level of injury, due to limb weakness. In such cases, the range of motion loss is not rated as a separate impairment, as it is considered to be part of the neurological impairment rating. DEFINITIONS “autonomic dysreflexia” is an alteration of autonomic reflexes associated with quadriplegia or paraplegia above the T6 level that can result in sudden and sustained elevation of blood pressure. “hemiplegia” is a neurological injury affecting the upper and lower limbs on the same side of the body that manifests with alterations in motor power and control and sensory loss. This condition is most typically associated with stroke syndromes, but also may accompany certain types of traumatic brain or spinal cord injuries. “monoplegia” is a neurological injury affecting one of the upper or lower limbs that manifests with alterations in motor power and control and sensory loss. This condition may follow stroke syndromes and certain types of traumatic brain or spinal cord injuries. 85 PERSONAL INJURY BENEFITS A-35 REG 3 “paraplegia” is a neurological injury affecting the trunk and lower limbs (but sparing the upper limbs and head) that manifests with alterations in motor power and control and sensory loss below the level of injury. This condition is associated with spinal cord injuries and no other. It may be complete or incomplete. “quadriplegia” is a neurological injury resulting from a spinal cord injury that affects both the upper and lower limbs, that manifests with alterations in motor power and control and sensory loss below the level of injury. This condition is associated with spinal cord injuries and no other. It may be complete or incomplete. “spasticity” is an alteration in resting motor tone associated with an upper motor neuron injury. This may manifest as stiffness, increasing briskness or reflexes or sudden involuntary movement. Impairment Rating Procedure for Traumatic Brain Injuries When rating impairments of the central nervous system, the clinician may consider two separate components: • the degree of tissue disruption associated with the injury • the alteration in function associated with the particular injury. Alteration of Tissue 1 post-traumatic alteration of brain tissue 2 post-traumatic alteration of the skull 3 post-traumatic alteration of the brain’s vascular supply Part 1: Alteration of Brain Tissue or Function 1.1 Cerebral concussion or contusion as documented by health-care practitioner in first 48 hours: (a) Minor (post-traumatic amnesia (PTA) <30 min or loss of consciousness (LOC) <5 min) .................................................................. 0.5% (b) Moderate (PTA >30 min <24 hrs or LOC >5 min <1 hr.) ........................... 2% (c) Severe (>24 hrs of (PTA) or >1 hr (LOC)) ................................................... 5% (d) Repealed. 23 Dec 2016 SR 99/2016 s26. 1.2 Post-traumatic Alteration of tissue with: (a) Laceration or intracerebral hematoma ....................................................... 2% (b) Epidural hematoma ..................................................................................... 2% (c) Subdural hematoma..................................................................................... 2% (d) Subarachnoid hemorrhage .......................................................................... 5% (e) Leakage of cerebrospinal fluid (CSF) via one of the paranasal sinuses or via the external auditory meatus, including any elevation, craniotomy, craniectomy and plasty .......................................... 5% 86 A-35 REG 3 PERSONAL INJURY BENEFITS Part 2: Alteration of Skull 2.1 Post-traumatic bony alteration (a) Following a linear skull fracture of the base .............................................. 2% (b) Following a linear skull fracture of the calvarium..................................... 1% (c) Following a craniotomy or a craniectomy ................................................... 2% (d) Following trephination, per incision ........................................................... 0.5% 2.2 Bony deformity following a skull fracture (a) With bony depression but without dural laceration: (i) requiring a craniectomy and cranioplasty, including elevation .......... 4% (ii) requiring elevation ................................................................................ 2% (iii) not requiring elevation .......................................................................... 1% (b) With or without bony depression but with dural laceration: (i) with associated hemorrhage (see Part 2.1) (ii) with associated vascular injury (see Part 3.1) Part 3: Alteration of Cerebrovascular Supply 3.1 Internal carotid artery occlusion ....................................................................................................................... 10% (a) Associated with hemiplegia (see Division 2, Subdivision 1, Part 4) 3.2 Post-traumatic internal carotid artery stenosis (a) >70% ............................................................................................................. 8% (b) 50 – 70% ........................................................................................................ 5% (c) <50% ............................................................................................................. 2% Associated with hemiplegia (see Division 2 , Subdivision 1, Part 4) 3.3 Hydrocephalus (a) not requiring a cerebrospinal fluid shunt ................................................... 5% (b) requiring a cerebrospinal fluid shunt ......................................................... 15% Part 4: Functional Alteration of Brain In addition to the motor, sensory and autonomic changes associated with trauma to the brain (brainstem or cerebral cortex), an injury may be associated with impairment of the cranial nerves or cognition. The former may be evaluated according to Subdivision 3 of this Division. A neuropsychologist may enhance the evaluation of cognitive and behavioral impairment. Neuropsychological testing is helpful when the extent of the cognitive deficit is unclear. It may also provide key prognostic information with respect to the ability of the injured person to function independently in the community. Impairment percentages in this Part must be combined using Appendix C. 4.1 Upper Limb Function (a) Inability to use both upper limbs for self-care with evidence of both proximal and distal upper limb neurological dysfunction ............. 80% (b) Inability to use one upper limb for self-care with evidence of both proximal and distal upper limb neurological dysfunction ................. 60% 87 PERSONAL INJURY BENEFITS A-35 REG 3 (c) Difficulty in using both upper limbs for self-care with evidence of either proximal or distal upper limb neurological dysfunction bilaterally .......... 50% (d) Difficulty in using one upper limb for self-care with evidence of either proximal or distal upper limb neurological dysfunction ................. 40% (e) Difficulty manipulating objects with impaired grasp confined to only one of the upper limbs, allowing independence in self-care .............. 30% (f) Difficulty manipulating objects with no impairment in grasp in either upper limb, allowing independence in self-care .............................. 20% (g) Upper limb clumsiness (e.g. tremor, dysmetria, dysdiadochokinesis) with impaired grasp confined to only one of the upper limbs allowing independence in self-care............................................................................. 15% (h) Upper limb clumsiness (e.g. tremor, dysmetria, dysdiadochokinesis) with no impairment in grasp in either upper limb, allowing independence in self-care............................................................................. 10% 4.2 Station and Gait Assessment, excluding quadriplegia and paraplegia Station and gait assessment is an impairment affecting the posture and the ability to walk, resulting in: (a) Inability to stand or walk ............................................................................ 50% (b) Ability to stand, but great difficulty or inability to walk ........................... 40% (c) Moderate difficulty in walking on irregular surfaces, stairways or uneven terrain ......................................................................................... 15% (d) Slight difficulty in walking .......................................................................... 5% 4.3 Bladder Function, excluding quadriplegia and paraplegia Incontinence or urinary retention: (a) Complete loss of control ............................................................................... 20% (b) Partial loss of control ................................................................................... 10% 4.4 Anorectal Function, excluding quadriplegia and paraplegia (a) Complete loss of control ............................................................................... 10% (b) Limited control ............................................................................................. 5% 4.5 Sexual Dysfunction, excluding quadriplegia and paraplegia Criteria for Rating Neurologic Sexual Impairment Class 1 Class 2 Class 3 5% Impairment of 10% Impairment of 15% Impairment of the Whole Person the Whole Person the Whole Person Sexual functioning is possible Reflex sexual functioning No sexual functioning with difficulty of erection or is possible but there is ejaculation in men or lack of no awareness awareness, excitement, or lubrication in either sex 88 A-35 REG 3 PERSONAL INJURY BENEFITS 4.6 Communication Disorders Dysphasia, aphasia, alexia, agraphia, acalculia and other communication disturbances: (a) Disturbances leading to a complete inability to understand and use language ......................................................................................... 95% (b) Disturbances not affecting the ability to understand linguistic symbols, but severely interfering with the ability to use sufficient or appropriate language .............................................................. 70% (c) Disturbances not affecting the ability to understand linguistic symbols, but moderately interfering with the ability to use sufficient or appropriate language .............................................................. 40% (d) Disturbances entailing minor communication difficulties ......................... 10% 4.7 Alterations of Consciousness Posttraumatic epilepsy, syncope, cataplexy, narcolepsy, and other neurological disorders and disturbances of consciousness: (a) Stupor, coma, or other disorder or disturbance that prevents the performance of the activities of daily living or require constant supervision for the performance of such activities or confinement, including side effects of medication ............................................................ 100% (b) Disorder or disturbance that severely disrupts the performance of the activities of daily living and requires an almost constant supervision for the performance of such activities, including side effects of medication ............................................................................. 70% (c) Disorder or disturbance that moderately disrupts the performance of the activities of daily living and requires occasional supervision for the performance of such activities, including side effects of medication ................................................................................................ 40% (d) Disorder or disturbance that hinders the performance of the activities of daily living, including side effects of medication ................... 10% 4.8 Cognitive Function The information used to assess a permanent impairment rating pursuant to this section must include a neuropsychological evaluation. The neuropsychological evaluation must include both a clinical interview and an assessment of the insured pursuant to the Glasgow Outcome Scale – Extended. Organic cerebral syndrome, dementia and neurologic deficiencies: (a) Vegetative State (VS): Unable to follow commands or say words, because of severe dementia, or for another reason. An individual in a vegetative state is technically unable to communicate utilizing any specific code ............................................................................ 100% (b) Lower Severe Disability (Lower SD): Unable to be left alone for eight hours. An implication of this classification is that a relative who is caring for the individual cannot work ............................................ 80% 89 PERSONAL INJURY BENEFITS A-35 REG 3 (c) Upper Severe Disability (Upper SD): Characterized by a reduced level of daily living independence (inside or outside the home, pertaining to shopping and travel), although an individual of this classification can be left alone for an eight-hour time period, requiring only occasional supervision ........................................................ 55% (d) Lower Moderate Disability (Lower MD): (i) displays vocational capacity, either of inability to work competitively (but may be able to work in a structured employment, sheltered workshop, or non-competitive job setting), OR (ii) is unable to participate and rarely, if ever, take part in typical social and leisure activities, OR (iii) displays post-traumatic personality changes (e.g., anger, disinhibition, marked insensitivity to others, pronounced mood swings, severe depression, or clearly childish behaviour) at a constant and “daily and intolerable” level to family/social relationships ......................................................................................... 35% (e) Upper Moderate Disability (Upper MD): (i) displays reduced work capacity (i.e., able to perform some form of competitive work, but not at a full-time or greater than minimum wage level), OR (ii) participates less than half as often in social and leisure activities, OR (iii) displays personality changes at a “frequent or constant” level, including once a week or more, “that affect, but are considered tolerable” to ongoing family relationships .......................................... 25% (f) Lower Good Recovery (Lower GR): Able to return to all pre-injury activities, although there may be objectively measured cognitive problems that clearly reduce daily living efficiency ................................... 15% (g) Upper Good Recovery (Upper GR): No objectively measurable neuropsychological deficits that interfere with daily living activities. However, based on the objective nature of the injury, there is an expectation for mild acquired cognitive loss .............................................. 5% 4.9 Disturbances of vision: see Division 4 4.10 Endocrine dysfunction: see Division 9 90 A-35 REG 3 PERSONAL INJURY BENEFITS Subdivision 2: Spinal Cord Spinal cord injuries may be classified along several different parameters. An injury is considered complete if all neural functions (motor power, sensation, bladder and bowel control and sexual function) below the level of injury are permanently affected. Incomplete lesions may spare one or more neural functions below the level of injury and generally result in improved function and prognosis. The American Spinal Injury Association (ASIA) Scale is the standard used in grading the degree of impairment associated with spinal cord injuries along a continuum from complete to incomplete injuries. The grades are defined as follows: ASIA Grade A = Complete: No sensory or motor function is preserved below the neurological level of the lesion (including the sacral segments). ASIA Grade B = Incomplete: There is preservation of sensation only with no motor preservation below the neurological level of the lesion. ASIA Grade C = Incomplete: There is preservation of some motor function below the neurological level of the lesion, and the majority of key muscles below the neurological level have a muscle grade less than 3. ASIA Grade D = Incomplete: There is preservation of some motor function below the neurological level of the lesion, and the majority of key muscles below the neurological level have a muscle grade greater than or equal to 3. ASIA Grade E = Normal: Motor and sensory function is normal. Some examples of incomplete spinal cord syndromes are: • central cord syndrome (upper limbs more affected than lower) • anterior cord syndrome (paralysis with some preserved sensation) • Brown-Sequard syndrome (unilateral paralysis only) Impairment Rating Procedure for Spinal Cord Injuries The treating practitioner must provide the following information for the file: • spinal level of injury (e.g. the site of fracture or dislocation if any) • neurological level of injury (the motor and sensory level of injury as determined by physical exam for both the right and left side of the body) • whether the lesion is complete or incomplete • ASIA Grade • motor index score 91 PERSONAL INJURY BENEFITS A-35 REG 3 Motor Index Score This score provides a numerical scoring system to document changes in motor function. Each of the key muscles is graded according to the motor grading scale (grades 1 – 5). A normal score is determined as follows: Right Key Muscle Left 5 C5 5 5 C6 5 5 C7 5 5 C8 5 5 T1 5 5 L2 5 5 L3 5 5 L4 5 5 L5 5 5 S1 5 50 50 Total Score = 100 (Maximum Score Possible) Part 1: Complete Quadriplegia or Paraplegia (ASIA Grade A) 1.1 Quadriplegia Quadriplegia includes all anatomical and physiological deficits inherent in this condition as well as any vertebrospinal impairments and grafting if applicable: (a) C5 level or higher ......................................................................................... 100% (b) C6 level ......................................................................................................... 95% (c) C7 level ......................................................................................................... 90% (d) C8 or T1 level ............................................................................................... 85% 1.2 Paraplegia Paraplegia includes all anatomical and physiological deficits inherent in this condition as well as any vertebrospinal impairments and grafting if applicable: (a) T2 – T7 level ................................................................................................. 80% (b) below T7 ........................................................................................................ 75% (c) conus and cauda equina lesions .................................................................. 70% Part 2: Incomplete Quadriplegia Or Paraplegia (ASIA Grade B) – With Complete or Partial Preservation of Sensation Only and No Motor Preservation 2.1 Quadriplegia Quadriplegia includes all anatomical and physiological deficits inherent in this condition as well as any vertebrospinal impairments and grafting if applicable: (a) C5 level or higher ......................................................................................... 95% (b) C6 level ......................................................................................................... 90% (c) C7 level ......................................................................................................... 85% (d) C8 or T1 level ............................................................................................... 80% 92 A-35 REG 3 PERSONAL INJURY BENEFITS 2.2 Paraplegia Paraplegia includes all anatomical and physiological deficits inherent in this condition as well as any vertebrospinal impairments and grafting if applicable: (a) T2 – T7 level ................................................................................................. 75% (b) below T7 ........................................................................................................ 70% (c) conus and cauda equina lesions .................................................................. 65% Part 3: Incomplete Quadriplegia or Paraplegia (ASIA Grades C and D) – With Partial Preservation of Motor Power, With or Without Sensory Preservation* Impairment percentages in Part 3 are combined using Appendix C. 3.1 Upper Limb Function (a) Inability to use both upper limbs for self-care with evidence of both proximal and distal upper limb neurological dysfunction ............. 80% (b) Inability to use one upper limb for self-care with evidence of both proximal and distal upper limb neurological dysfunction ............. 60% (c) Difficulty in using both upper limbs for self-care with evidence of either proximal or distal upper limb neurological dysfunction bilaterally .......... 50% (d) Difficulty in using one upper limb for self-care with evidence of either proximal or distal upper limb neurological dysfunction ............................ 40% (e) Difficulty manipulating objects with impaired prehension confined to only one of the upper limbs, allowing independence in self-care .......... 30% (f) Difficulty manipulating objects with no impairment in prehension in either upper limb, allowing independence in self-care .......................... 20% (g) Upper limb clumsiness (e.g. tremor, dysmetria, dysdiadochokinesis) with impaired prehension confined to only one of the upper limbs allowing independence in self-care ............................................................. 15% (h) Upper limb clumsiness (e.g. tremor, dysmetria, dysdiadochokinesis) with no impairment in prehension in either upper limb, allowing independence in self-care............................................................................. 10% 3.2 Station and Gait Assessment (a) Inability to stand or walk ............................................................................ 50% (b) Ability to stand, but great difficulty or inability to walk ........................... 40% (c) Moderate difficulty in walking on irregular surfaces, stairways or uneven terrain ......................................................................................... 15% (d) Slight difficulty in walking .......................................................................... 5% 3.3 Bladder Function (a) Incontinence or urinary retention: (i) complete loss of control.......................................................................... 20% (ii) partial loss of control ............................................................................. 10% (iii) dysfunction in the form of precipitant urination ................................. 3% (b) Alteration of the bladder with enterocystoplasty ....................................... 10% (c) Alteration of the bladder without enterocystoplasty ................................. 3% (d) Other urologic dysfunction: see Division 5: Urogenital System 93 PERSONAL INJURY BENEFITS A-35 REG 3 3.4 Anorectal Function (a) Complete loss of control ............................................................................... 10% (b) Limited control ............................................................................................. 5% 3.5 Sexual Dysfunction Criteria for Rating Neurological Sexual Impairment Class 1 Class 2 Class 3 5% Impairment of 10% Impairment of 15% Impairment of the Whole Person the Whole Person the Whole Person Sexual functioning is possible Reflex sexual functioning No sexual functioning with difficulty of erection or is possible but there is ejaculation in men or lack of no awareness awareness, excitement, or lubrication in either sex 3.6 Autonomic dysreflexia (a) Controlled by medication ............................................................................. 5% (b) Frequent occurrences despite medication .................................................. 15% 3.7 Respiratory Dysfunction See Division 6: Respiratory System Subdivision 3: Cranial Nerves 1 Olfactory nerves (Right and Left) Function: to smell and to assist taste. Dysfunction: may be lost (anosmia), reduced (hypo-osmia), or distorted (dysosmia) Importance: general population – protective (e.g. warn of fire/ dangerous chemicals in the air) specialized needs – requirement for specific jobs (e.g. wine tasting/cook) Impairment %: Incomplete loss (very difficult to clinically confirm) .................................. 0% Total loss (rule out functional anosmia with ammonia test) ..................... 4% Distortion of smell: (if present add to above %) Unpleasant but not interfering with ADL (e.g. eating) ............................. 0% Unpleasant and occasionally interfering with ADL (e.g. eating) .............. 2% Unpleasant and constantly interfering with ADL (e.g. eating) ................. 4% 2 Optic nerve and visual pathways (See Division 4) 3 Occulomotor, Trochlear and Abducens (See Division 4: Vision) 94 A-35 REG 3 PERSONAL INJURY BENEFITS 3.1 Repealed. 23 Dec 2016 SR 99/2016 s26. 3.2 Repealed. 23 Dec 2016 SR 99/2016 s26. 4 Trigeminal Function: Motor – muscles of jaw closure (maseter, temporalis), and jaw opening (pterygoids) Sensory – to face, eye, lips, inside mouth, gums, palate, anterior neck, sinus cavities, anterior intracranial structures Dysfunction: Motor – difficulty chewing, swallowing or speaking, malocclusion, T.M.J. dysfunction or degeneration, dystonic jaw movements; jaw, T.M.J., atypical facial pain Sensory – numbness in areas supplied, trigeminal neuralgia, atypical facial pains Importance: general population: serves to protect the eye by warning re foreign bodies normal facial mouth and eye sensation normal jaw movement and alignment Impairment %: add applicable percentages to get total Motor: (unilateral or bilateral) Detectable weakness but no functional impairment ............................ 1% Weakness with resulting difficulty chewing ......................................... 2% Weakness with resulting difficulty swallowing .................................... 5% Weakness with resulting difficulty speaking ........................................ 5% Weakness with malalignment resulting in pain ................................... 5% Dystonic or other involuntary movement of jaw Mild or no treatment needed ............................................................. 2% Moderate but controllable with treatment ....................................... 5% Severe, uncontrollable and painful ................................................... 10% Sensory: Class 1 Class 2 Class 3 no impairment hypoesthesia complete loss V1 (includes EYE) 0% 2% 5% V2 0% 1% 3% V3 0% 1% 3% If associated pain: (Painful dysesthesia or typical neuralgia) Controlled by medication ............................................................................. 2% Partially controlled by medication, or not functionally limiting ............... 3% Uncontrollable by medication and functionally limiting ........................... 10% If bilateral, add impairment from two sides for total. 95 PERSONAL INJURY BENEFITS A-35 REG 3 5 Facial Nerve Function: Motor – to muscles of facial expression to stapedius muscle Sensory – to portion of external auditory meatus Autonomic – to lacrimal gland for tearing to salivary glands for salivation to anterior two-thirds of the tongue for taste Dysfunction: Motor – variable distortion of face with weakness resulting in drooling, difficulty protecting eye inability to tighten the tympanic membrane leading to sonophobia Sensory – no significant problem Autonomic – dry eye, dry mouth, or inability to taste Importance: general population – serves to protect the eye, asymmetry can lead to social embarrassment loss of lacrimation can increase the incidence of eye disease, irritation loss of taste interferes with the enjoyment of foods Impairment %: add applicable percentages to get total Motor: Stapedius weakness: Stapedius reflex lost with sonophobia ........................................................ 2% Facial weakness (add 2% if weakness results in difficulty eating) (add 2% if weakness results in difficulty speaking) Class 1: no weakness ......................................................................... 0% Class 2: weakness but full eye closure ............................................. 2% Class 3: weakness with incomplete eye closure ............................... 4% Class 4: near complete paralysis ...................................................... 6% Class 5: complete paralysis ............................................................... 8% Facial synkinesia: ..................................................................................... 1% Hemifacial spasms ................................................................................... 3% Where facial weakness is associated with alteration in form and symmetry see Division 12: Skin. Sensory: Loss of sensation in ear canal...................................................................... 0% Lacrimation: Dry eye(s), no drops needed ......................................................................... 0.5% Dry eye(s), needing drops ............................................................................ 2% Excessive tearing (crocodile tears) .............................................................. 1% Salivation: Dysfunction leading to dry mouth ............................................................... 2% 96 A-35 REG 3 PERSONAL INJURY BENEFITS Taste: Unilateral damage (very difficult to clinically confirm) ............................. 0% Incomplete loss (very difficult to clinically confirm) .................................. 0.5% Total loss (i.e. bilateral lesion) .................................................................... 2% Distortion: (if present add to above %) None .............................................................................................................. 0% Not unpleasant ............................................................................................. 0.5% Unpleasant not distracting .......................................................................... 1% Unpleasant and occasionally interfering with ADL (e.g. eating) .............. 2% Unpleasant and constantly interfering with ADL (e.g. eating) ................. 4% If bilateral, add impairment from two sides for total 6 Auditory Nerve Acoustic (cochlear division): Function: Hearing Dysfunction: Variable degrees of deafness or Tinnitus Importance: General population – communication, pleasure, warning mechanism Impairment %: Hearing loss, vestibular dysfunction and tinnitus: see Division 11 Vestibular division: Function: Monitors head and body movements and coordinates automatic eye and body muscular corrective movements in response to movements. Dysfunction: Vertigo, dizziness, nausea, vomiting, blurred vision during movements, sense of imbalance, fear of leaving house, panic attacks, neck stiffness from not turning head to avoid positional vertigo with subsequent muscular headaches. Importance: General population – maintain balance, clarity of vision, general coordination while moving. Impairment %: see Division 11: Vestibulocochlear Apparatus 7 Glossopharyngeal, Vagal, and Hypoglossal Function: These three cranial nerves combine to provide normal pharyngeal sensation and motor control of the tongue, pharynx, larynx, allowing normal speech, swallowing, and adequate protection of the airway by reflex closure of the trachea on swallowing, thereby preventing aspiration. Together they subserve the “gag and cough reflexes” to clear the upper or lower airway of debris. The glossopharyngeal nerve also assists taste. The vagal nerve contributes autonomic parasympathetic supply to the heart, lungs, and upper gastrointestinal tract. Dysfunction: Dysfunction will result in a variable degree of difficulty with speech, swallowing, possible aspiration, as well as GI motility problems. Neuralgic pains can arise after damage to cranial nerves IX and X as these carry sensory fibers. Importance: General population – normal speech, swallowing, and airway protection. 97 PERSONAL INJURY BENEFITS A-35 REG 3 Impairment %: Dysphagia (swallowing difficulty): See Division 3: Maxillofacial System, Throat and Related Structures Dysphonia, Dysarthria (abnormal speech): See Division 3: Maxillofacial System, Throat and Related Structures Neuralgia: Controlled by medication ............................................................................. 2% Partially controlled by medication or not functionally limiting ................ 3% Uncontrollable by medication and functionally limiting ........................... 10% Spasmodic Dysphonia: Rate according to degree of dysphonia described above. 8 Spinal accessory Function: Provide motor input to the ipsilateral trapezius and sternomastoid muscles Dysfunction: Dysfunction will result in a variable degree of weakness of turning the head or elevating the ipsilateral shoulder. Subsequent wasting can be cosmetically problematic. Importance: General population – assists normal neck and shoulder movement. Impairment %: Complete Weakness ..................................................................................... 4% Partial wasted muscles with weakness ...................................................... 2% Cervical Dystonia: (spasmodic torticollis) With neck and head deviation: Minimal: not functionally limiting, but socially embarrassing ......... 5% Moderate: unable to perform certain tasks (e.g. driving) .................. 10% Severe: interferes with ADL ................................................................ 15% 98 A-35 REG 3 PERSONAL INJURY BENEFITS Subdivision 4: Peripheral Nervous System Impairment Rating Procedure For Motor And Sensory Impairments When peripheral nerves or nerve roots are injured, evidence of neurological dysfunction may present in the territory of the affected fibers. Typically this manifests as: • alterations in sensation • alterations in motor power • alterations in reflexes, and occasionally • alterations in autonomic function • dystonia (where dystonia follows a peripheral nerve injury the rating may be combined with upper or lower limb functional impairments according to Subdivision 2, Part 3) Mechanisms of peripheral nerve injury include, but are not limited to, blunt trauma, traction, laceration and ischemia. Occasionally, a nerve may be “bruised” (a neuropraxia). This injury usually recovers in 6-8 weeks without residual impairment. More extensive injuries often result in degeneration of the affected nerve fibers. These injuries may recover partially, completely or not at all depending on the severity. When they do regenerate, nerve fibers grow at a rate of approximately 1 mm per day or 1 inch per month. This may take from 12 to18 months to assess upper limb neurological recovery and 18 to 24 months to assess the lower limb. In such cases where extensive nerve damage has occurred, final permanent impairment rating should be delayed in accordance with these time periods. Motor and sensory impairments may be graded according to the degree of neural dysfunction noted. Once the treating practitioner has provided appropriate grading, the impairments may be rated according to Tables that follow in this section. 4.1 Motor Impairment (a) Grade 5: no loss of motor function and absence of weakness (b) Grade 4: weakness against strong resistance, including any muscular atrophy (c) Grade 3: weakness against minor resistance, with full range of motion against gravity, including any muscular atrophy (d) Grade 2: weakness with full range of motion with gravity eliminated, including any muscular atrophy (e) Grade 1: weakness with less than full range of motion, even with gravity eliminated, including muscular atrophy (f) Grade 0: complete paralysis, including muscular atrophy 4.2 Sensory Impairment (a) Grade 1: no sensory impairment (b) Grade 2: hypesthesia including dysesthesia, paresthesia and hyperesthesia (altered sensation) (c) Grade 3: anesthesia including pain (loss of sensation) 99 PERSONAL INJURY BENEFITS A-35 REG 3 Part 1: The Brachial Plexus (a) All three trunks, with complete motor and sensory impairment .............. 60% (b) Upper trunk (Erb-Duchesne Syndrome) with complete motor and sensory impairment .............................................................................. 9% (c) Middle trunk with complete motor and sensory impairment .................... 23% (d) Lower trunk (Klumpke-Dejerine Syndrome) with complete motor and sensory impairment ................................................................... 46% Maximum for upper limb neurological impairment is 60% and includes all anatomic, physiologic and range of motion deficits inherent in this condition. Part 2: The Lumbosacral Plexus Complete motor and sensory impairment .................................................. 35% Part 3: Nerve roots Motor impairments Sensory impairments Impaired grade grade Structure 5 4 3 2 1 0 1 2 3 Upper Limb C-5 N/A 4.5% 9% 13.5% 18% 18% N/A 2% 3% C-6 N/A 5% 10.5% 16% 21% 21% N/A 3% 5% C-7 N/A 6% 11.5% 17% 23% 23% N/A 2% 3% C-8 N/A 7% 14.5% 22% 29% 29% N/A 2% 3% T-1 N/A 3.5% 7% 10.5% 14% 14% N/A 2% 3% Lower Limb L-2 N/A 2% 4% 6% 8% 8% N/A 1% 2% L-3 N/A 2% 4% 6% 8% 8% N/A 1% 2% L-4 N/A 3.5% 7% 10.5% 14% 14% N/A 1% 2% L-5 N/A 4% 7.5% 11% 15% 15% N/A 1% 2% S-1 N/A 2% 4% 6% 8% 8% N/A 1% 2% 100 A-35 REG 3 PERSONAL INJURY BENEFITS Part 4: Peripheral Nerves Minor sensory loss located in the immediate vicinity of a scar is considered to be a result of the scar and the award for scarring already incorporates the numbness. Where an injury damages an identifiable peripheral nerve, an award for peripheral nerve damage is appropriate. Motor impairments Sensory impairments Impaired grade grade Structure 5 4 3 2 1 0 1 2 3 Upper Limb 4.1 Head and neck Greater occipital N/A N/A N/A N/A N/A N/A N/A 0.5% 1% Lesser occipital N/A N/A N/A N/A N/A N/A N/A 0.5% 1% Auricular branch of C2-3 N/A N/A N/A N/A N/A N/A N/A 0.5% 2% 4.2 Upper limbs Axillary N/A 5% 10.5% 16% 21% 21% N/A 1.5% 3% Dorsal Scapular N/A 1% 1.5% 2% 3% 3% N/A N/A N/A Long Thoracic N/A 2% 4.5% 7% 9% 9% N/A N/A N/A Medial Antebrachial Cutaneous N/A N/A N/A N/A N/A N/A N/A 1.5% 3% Medial Brachial Cutaneous N/A N/A N/A N/A N/A N/A N/A 1.5% 3% Median Nerve Above Midforearm N/A 6.5% 13% 19.5% 26% 26% N/A 11.5% 23% Anterior Interosseous N/A 2% 4.5% 7% 9% 9% N/A N/A N/A Below Midforearm N/A 2% 3% 4.5% 6% 6% N/A 11.5% 23% Digital Sensory Branches: Radial side of thumb N/A 2% 4% Ulnar side of thumb N/A 3.5% 7% Radial side of index finger N/A 1.5% 3% Ulnar side of index finger N/A 1% 2% Radial side of middle finger N/A 1.5% 3% Ulnar side of middle finger N/A 1% 2% Radial side of ring finger N/A 0.5% 1% Musculocutaneous N/A 4% 7.5% 11% 15% 15% N/A 1.5% 3% Pectoral (Lateral) N/A 1% 2% 3% 4% 4% N/A N/A N/A Pectoral (Medial) N/A 1% 2% 3% 4% 4% N/A N/A N/A Radial (triceps lost) N/A 6% 12.5% 19% 25% 25% N/A 1.5% 3% Radial (triceps spared) N/A 5% 10.5% 15% 21% 21% N/A 1.5% 3% Subscapular (Lower) N/A 1% 1.5% 2% 3% 3% N/A N/A N/A Subscapular (Upper) N/A 1% 1.5% 2% 3% 3% N/A N/A N/A Suprascapular N/A 2.5% 5% 7.5% 10% 10% N/A 1.5% 3% Thoracodorsal N/A 1.5% 3% 4.5% 6% 6% N/A N/A N/A 101 PERSONAL INJURY BENEFITS A-35 REG 3 Motor impairments Sensory impairments Impaired grade grade Structure 5 4 3 2 1 0 1 2 3 Ulnar Above midforearm N/A 7% 14% 21% 28% 28% N/A 2% 4% Below midforearm N/A 5% 10.5% 16% 21% 21% N/A 2% 4% Digital branches: Ulnar side of ring finger N/A 0.5% 1% Radial side of small finger N/A 0.5% 1% Ulnar side of small finger N/A 0.5% 1% Lower Limb 4.3 Inguinal region Iliohypogastric Nerve N/A 2% 4% Ilioinguinal Nerve N/A 2% 4% 4.4 Buttock Area Superior Cluneal N/A 1% 2% Medial Cluneal N/A 1% 2% Inferior Cluneal N/A 1% 2% Posterior Femoral Cutaneous N/A 1% 2% 4.5 Thigh, Leg & Foot Femoral N/A 3.5% 7% 10.5% 14% 14% N/A 1% 2% Gluteal (Inferior) N/A 2.5% 5% 7.5% 10% 10% N/A N/A N/A Gluteal (Superior) N/A 2% 4% 6% 8% 8% N/A N/A N/A Genitofemoral Nerve N/A 1% 2% Lateral Femoral Cutaneous N/A 2% 4% Obturator N/A 1% 2% 3% 4% 4% N/A N/A N/A Posterior Thigh Cutaneous N/A 1% 2% Sciatic N/A 7.5% 15% 22.5% 30% 30% N/A 5% 10% Peroneal: Common N/A 3.5% 7% 10.5% 14% 14% N/A 1% 2% Deep (above mid-leg) N/A 4% 5% 7.5% 10% 10% N/A 1% 2% Deep (below mid-leg) N/A 0.5% 1% 1.5% 2% 2% N/A 0.5% 1% Superficial N/A 1% 2% 3% 4% 4% N/A 1% 2% Tibial: Above Knee N/A 3.5% 7% 10.5% 14% 14% N/A 2% 6% Posterior (above midcalf) N/A 2.5% 5% 7.5% 10% 10% N/A 2% 6% Posterior (below midcalf) N/A 1.5% 3% 4.5% 6% 6% N/A 1% 6% Medial plantar N/A 0.5% 1% 1.5% 2% 2% N/A 1% 2% Lateral plantar N/A 0.5% 1% 1.5% 2% 2% N/A 1% 2% Sural N/A 1% 2% 102 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 3 MAXILLOFACIAL SYSTEM Subdivision 1 1 Temporomandibular Joints (TMJ) 1.1 Range of Motion Loss (a) Bilateral TMJ ankylosis: (i) prior to growth plate fusion .................................................................. 40% (ii) after growth plate fusion ....................................................................... 30% (b) Jaw excursion (as measured between the free edge of the upper and lower incisors): (i) opening <5 mm ...................................................................................... 25% (ii) opening 5 – <10 mm .............................................................................. 17% (iii) opening 10 – <20 mm ............................................................................ 10% (iv) opening 20 – <30 mm ............................................................................ 3% (v) opening 30 – >30 mm ............................................................................ 0% (c) Reduction of laterotrusion, measurements taken from the midline laterally. The following refer to the combined distance from the extreme right to the extreme left: (i) total laterotrusion <4 mm .................................................................... 4% (ii) total laterotrusion 4 – <8 mm .............................................................. 2% (iii) total laterotrusion 8 – >8 mm ........................................................... 0% (d) Reduction of protrusion: (i) protrusion <3 mm .................................................................................. 3% (ii) protrusion 3 – <7 mm ............................................................................ 1% (iii) protrusion 7 – >7 mm ............................................................................ 0% 1.2 Miscellaneous Dysfunction (a) Deviation in form ......................................................................................... 1% (b) Disc displacement with reduction ............................................................... 1% (c) Disc displacement without reduction .......................................................... 2% (d) Post-traumatic degenerative change .......................................................... 2% (e) Craniofacial muscle disorder characterized by chronic protective muscle guarding ......................................................................... 1% 2 Maxilla 2.1 Loss of hard palate and dental arch ................................................................... 20% 2.2 Loss of hard palate ..............................................................................................

10% 2.3 Loss of soft palate: (a) with rhinolalia: (i) severe...................................................................................................... 10% (ii) minor ...................................................................................................... 3% (b) with tubal dysfunction ................................................................................. 3% (c) without rhinolalia or tubal dysfunction ...................................................... 1% 103 PERSONAL INJURY BENEFITS A-35 REG 3 2.4 Loss of dental arch: (a) loss of edentulous supporting tissues, precluding successful use of a removable prosthesis ................................................................................... 10% (b) allowing a complex prosthesis to be worn................................................... 4% (c) allowing a simple prosthesis to be worn ..................................................... 3% 2.5 Malalignment of the palate and dental arch: (a) with serious malocclusion and TMJ dysfunction ....................................... 5% (b) with obstruction to the nasopharynx and tubal dysfunction ..................... 3% (c) with minor malocclusion .............................................................................. 2% 2.6 Periodontal problems despite adequate consolidation of the palate and dental arch ....................................................... 5% 2.7 Non-union or mal-union of the palate and dental arc ....................................... 4% 3 Mandible 3.1 Body or ramus: (a) loss of tissue with non-union ....................................................................... 10% (b) mal-union: (i) with malocclusion and TMJ dysfunction .............................................. 6.5% (ii) with malocclusion, but without TMJ dysfunction ............................... 2% 3.2 Loss of dental arch: (a) loss of edentulous supporting tissues, precluding successful use of a removable prosthesis ................................................................................... 10% (b) allowing a complex prosthesis to be worn................................................... 5% (c) allowing a simple prosthesis to be worn ..................................................... 4% 3.3 Neck of condyle: see Part 1.1 4 Loss of Teeth or Alterations to Teeth (not including replacement of fillings or crowns) *Note: Adjacent teeth for bridge placement are considered to be altered. 4.1 Previously healthy teeth: (includes teeth that have been restored previously) (a) central incisor ............................................................................................... 1% (b) lateral incisor ............................................................................................... 1% (c) canine ............................................................................................................ 2% (d) first premolar................................................................................................ 1% (e) second premolar ........................................................................................... 1% (f) first molar ..................................................................................................... 2% (g) second molar ................................................................................................. 2% (h) third molar ................................................................................................... 1% 104 A-35 REG 3 PERSONAL INJURY BENEFITS 4.2 Previously unhealthy teeth: (a) central incisor ............................................................................................... 0.5% (b) lateral incisor ............................................................................................... 0.5% (c) canine ............................................................................................................ 0.5% (d) first premolar................................................................................................ 0.5% (e) second premolar ........................................................................................... 0.5% (f) first molar ..................................................................................................... 0.5% (g) second molar ................................................................................................. 0.5% (h) third molar ................................................................................................... 0.5% Subdivision 2: Fronto-Orbito-Nasal Area 1 Orbit 1.1 Impairment of orbital walls causing displacement of the eye (a) Unilateral: (i) mild ......................................................................................................... 1% (ii) moderate ................................................................................................ 2% (iii) severe...................................................................................................... 3% (b) Bilateral: (i) mild ......................................................................................................... 2% (ii) moderate ................................................................................................ 4% (iii) severe...................................................................................................... 6% Orbital problem may lead to secondary visual impairment (see Division 4) 1.2 Disruption of medial or lateral canthus (a) Unilateral: (i) minor ...................................................................................................... 1% (ii) major ...................................................................................................... 2% (b) Bilateral: (i) minor ...................................................................................................... 1.5% (ii) major ...................................................................................................... 3% 1.3 Disruption of lacrimal apparatus (a) Unilateral ..................................................................................................... 1% (b) Bilateral ........................................................................................................ 2% 1.4 Malar Bone and Zygoma 1.41 Cosmetic deformity Refer to Division 12: Alteration in Form and Symmetry. 105 PERSONAL INJURY BENEFITS A-35 REG 3 1.42 Functional deformity (e.g. resulting in difficulty with mastication (chewing)) (a) Unilateral .................................................................................................... 1% (b) Bilateral ........................................................................................................ 2% For cosmetic and functional abnormalities in same patient use the following formula to calculate the impairment: Total Impairment = (cosmetic loss + functional loss) x 0.75 2. Nasal function 2.1 Airflow obstruction (a) Unilateral ..................................................................................................... 1% (b) Bilateral ........................................................................................................ 2% 2.2 Mucosal dysfunction causing bleeding, crusting and patient discomfort (a) Unilateral ..................................................................................................... 1% (b) Bilateral ........................................................................................................ 2% 2.3 Septal Perforation (a) <2 cm ............................................................................................................. 0.5% (b) >2 cm ............................................................................................................. 1% 2.4 Olfactory disruption see Division 2, Subdivision 3: Cranial Nerves 3 Paranasal Sinuses 3.1 Alteration of the walls and mucosa of an ethmoid or sphenoid sinus ................................................................................................. 1.5% 3.2 Alteration of the walls and mucosa of a frontal or maxillary sinus ................. 1% 4 Salivary glands 4.1 Hyposalivation: disruption of salivation significant enough to cause problems with patient discomfort, deglutition and articulation. ...................... 1% 5 Anatomic Loss 5.1 Loss of tongue ...................................................................................................... 10% 5.2 Alteration of the tongue due to loss of the lateral edge and tip ........................ 3% 106 A-35 REG 3 PERSONAL INJURY BENEFITS Subdivision 3: Throat and Related Structures 3.1 Respiration Table The following table applies to respiratory difficulty attributed to upper airway dysfunction. For lower respiratory tract functional impairment, see Division 6: Respiratory System. Table 3.1: Classes of Air Passage Deficits Class 1 – 5% Class 2 – 10% Class 3 – 15% Class 4 – 20% Class 5 – 25% Whole Person Whole Person Whole Person Whole Person Whole Person Impairment Impairment Impairment Impairment Impairment A recognized air A recognized air A recognized air A recognized air A recognized air passage defect passage defect passage defect passage defect passage defect exists. Dyspnea exists. Dyspnea exists. Dyspnea exists. Dyspnea exists. Severe does not occur at does not occur at does not occur at occurs at rest, dyspnea occurs at rest. rest. rest. although patient rest; spontaneous is not necessarily respiration is bedridden. inadequate. Respiratory ventilation is required. Dyspnea is Dyspnea is not Dyspnea is Dyspnea is Dyspnea is not produced produced by produced by stress, produced by aggravated bythe by walking or walking freely on prolonged exertion, walking more than performance of climbing stairs the level, climbing hurrying, hill one or two blocks any of the usual freely, performance at least one flight climbing, recreation on the level or activities of daily of other usual of ordinary stairs, except sedentary climbing one flight iving beyond activities of daily or the performance forms, or similar of ordinary stairs personal cleansing, living, stress, of other usual activity. even with periods dressing, grooming, prolonged exertion, activities of daily of rest, performance or its equivalent. hurrying, hill living. of other usual climbing, recreation activities of daily living, stress, ** requiring hurrying, hill intensive effort or climbing, recreation, similar activity. or similar activity. Examination reveals Examination reveals Examination reveals Examination shows Examinationshows one or more of the one or more of one or more the one or more of partial obstruction following: partial the following: following: partial the following: of the oropharynx, obstruction of partial obstruction obstruction of partial obstruction laryngopharynx, oropharynx, upper of oropharynx, oropharynx, oforopharynx, larynx, upper trachea (to fourth laryngopharynx, laryngopharynx, laryngopharynx, trachea (to fourth ring), lower trachea, larynx, upper larynx, upper larynx, upper ring), lower trachea, bronchi, or complete trachea (to fourth trachea (to fourth trachea (to fourth or bronchi. obstruction of the ring), lower trachea, ring), lower trachea, ring), lower trachea, nose (bilateral) or bronchi, or complete or bronchi. or bronchi. nasopharynx. obstruction of the nose (bilateral) or nasopharynx. *Patients with successful permanent tracheostomy or stoma should be rated at 25% impairment of the whole person. **Prophylactic restriction of activity, such as strenuous competitive sport, does not exclude patient from Class 1. 107 PERSONAL INJURY BENEFITS A-35 REG 3 3.2 Mastication and Deglutition Table 3.2: Relationship of Dietary Restrictions to Permanent Impairment Type of Restriction % of Impairment of the Whole Person Class 1 Diet is limited to semisolid or soft foods. 5% Class 2 Diet is limited to liquid foods 10% Class 3 Ingestion of food requires tube feeding or gastrostomy 25% 3.3 Taste see Division 2 108 A-35 REG 3 PERSONAL INJURY BENEFITS 3.4 Speech Table 3.3: Speech Impairment Criteria Classification Audibility Intelligibility Functional Efficiency Class 1 – 5% Speech Can produce speech Can perform most of Can meet most of the Impairment of intensity sufficient the articulatory acts demands of articulation for most of the needs necessary for everyday and phonation for of everyday speech speech communication, everyday speech communication, although although listeners communication with this sometimes may occasionally ask the adequate speed and ease, require effort and patient to repeat, and although occasionally the occasionally may be the patient may find it patient may hesitate or beyond patient’s capacity. difficult or impossible to speak slowly. produce a few phonetic units. Class 2 – 10% Speech Can produce speech Can perform many of the Can meet many of the Impairment of intensity sufficient necessary articulatory demands of articulation for many of the needs acts for everyday speech and phonation for of everyday speech communication. Can everyday speech communication; is speak name, address, communication with usually heard under etc. and be understood adequate speed and ease, average conditions, by a stranger, but but sometimes gives however, may have may havenumerous impression of difficulty. difficulty in automobiles, inaccuracies, and Speech may sometimes buses, trains, stations, sometimes appears be discontinuous, restaurants, etc. to have difficulty interrupted hesitant, or articulating. slow. Class 3 - 15% Speech Can produce speech Can perform some of the Can meet some of the Impairment of intensity sufficient necessary articulatory demands of articulation for some of the needs acts for everyday speech and phonation for of everyday speech communication. Can everyday speech communication, such usually converse with communication with asclose conversation, family and friends adequate speed and ease, however, has considerable however, strangers but often can sustain difficulty in such noisy may find it difficult to consecutive speech only places as listed above.The understand the patient, for brief periods and may voice tires rapidly and who often may be asked give the impression of tends to become inaudible to repeat. being rapidly fatigued. after a few seconds. Class 4 - 20% Speech Can produce speech Can perform a few of the Can meet a dew of the Impairment of intensity sufficient necessary articulatory demands of articulation for a few of the needs acts for everyday speech and phonation for of everyday speech communication. Can everyday speech communication. Can produce some phonetic communication with barely be heard by a units and may have adequate speed and ease, close listener or over the approximations for a few such as single words or telephone and perhaps words such as names of short phrases, but cannot may be able to whisper own family members; maintain uninterrupted audibly but has no louder however, unintelligble out speech flow. Speech is voice. of context. laboured and rate is impractically slow. Class 5 - 25% Speech Can produce speech of Can perform none of Can meet none of the Impairment intensity for none of the the articulatory acts demands of articulation needs of everyday speech necessary for everyday and phonation for communication. speech communication. everyday speech communication with adequate speed and ease. 109 PERSONAL INJURY BENEFITS A-35 REG 3 Speech Impairment Rating (from Table 3.3) Note: the above speech impairments are awarded for structural alteration of the speech mechanism. For alterations of speech caused by brain injury, see Division 2, Subdivision 1, Part 4, #4.6% *Multiple Deficits in Subdivision 3 Multiply the impairment from each class x 0.7 and then add Example: If: Respiration Impairment = 20 Deglutition Impairment = 10 Speech Impairment = 25 Then: (20 x 0.7) + (10 x 0.7) + (25 x 0.7) = 38.5% 110 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 4 Vision Part 1: Visual Impairment (a) Alteration of vision (i) aphakia ............................................................................................. 12% (ii) post-traumatic cataract including insertion of artificial lens ..... 6% (b) impairment of colour vision .................................................................... 0.5% (c) paralysis of accommodation .................................................................... 3% (d) enucleation with or without replacement by prosthesis excluding impairment inherent in the resulting appearance ....................... 5% (e) Ptosis (see Division 12 regarding alteration in form and symmetry): (i) Droop but pupil not covered ............................................................ 0.5% (ii) Lid partially covers pupil interfering with vision ......................... 2% (iii) Complete Ptosis ............................................................................. 4% (iv) Complete and bilateral .................................................................. 25% (f) Pupil dilation: Symptomatic (e.g. photophobia/visual blurring) .................................. 1% Part 2: Evaluating Vision 1 Criteria for evaluating vision Any impairment set out in Part 1 shall be added to any impairment identified under this Part. A deficit of the visual system occurs where there is a deviation from normal in one or more functions of the eye. Visual integrity requires: (a) integrity of corrected visual acuity for distance and close up; (b) integrity of the field of vision; and (c) ocular motility without diplopia. The evaluation of these functions is necessary in determining the visual deficit and their coordinated action is essential to optimal sight. Other ocular functions or problems that affect the coordinated functions of the eye are awarded percentages of deficits in accordance with the scale prescribed for those functions. 111 PERSONAL INJURY BENEFITS A-35 REG 3 2 Methods for evaluating vision Determination of central visual acuity Visual acuity test charts: For distance vision tests, the Snellen test chart with non-serif letters or numbers, the illiterate E chart, or Landolt’s broken-ring chart are acceptable. For near vision, charts with print similar to that of the Snellen chart, with Revised Jaeger Standard print or with American point-type notation for use at 35 cm (14 inches) are acceptable. The far test distance should simulate infinity at 6 m (20 feet) or no less than 4 m (13 feet 1 inch). The near test distance should be fixed at 35 cm (14 inches) in keeping with the Revised Jaeger Standard. Adequate and comfortable illumination must be diffused into the test card at a level about three times greater than that of the usual rule of illumination. Acuity should be measured for near or far, both without correction and with the best spectacle correction, or with contact lens correction if usually worn. If, however, contacts are not usually worn, it is not necessary to fit them to determine the best acuity. Note that certain ocular conditions, particularly corneal disorders may be better corrected with contact lenses. 112 A-35 REG 3 PERSONAL INJURY BENEFITS Table 4.1. Loss (as a percentage) of Central Vision in a Single Eye Using Table 4.1, the examiner identifies the Snellen rating for near vision along the top row and Snellen rating for distance along the first column. Reading down from the former and across from the latter, the examiner locates two impairment values for the loss of central vision where the column and row cross. Snellen Approximate Snellen rating for near in inches rating for distance 14 14 14 14 14 14 14 14 14 14 14 14 14 14 in feet 14 18 21 24 28 35 40 45 60 70 80 88 112 140 20 0 0 3 4 5 25 27 30 40 43 44 45 48 49 15 50 50 52 52 53 63 64 65 70 72 72 73 74 75 20 0 0 3 4 5 25 27 30 40 43 44 46 48 49 20 50 50 52 52 53 63 64 65 70 72 72 73 74 75 20 3 3 5 6 8 28 30 33 43 45 46 48 50 52 25 52 52 53 53 54 64 65 67 72 73 73 74 75 76 20 5 5 8 9 10 30 32 35 45 48 49 50 53 54 30 53 53 54 54 55 65 66 68 73 74 74 75 76 77 20 8 8 10 11 13 33 35 38 48 50 51 53 55 57 40 54 54 55 56 57 67 68 69 74 75 76 77 78 79 20 13 13 15 16 18 38 40 43 53 55 56 58 60 62 50 57 57 58 58 59 69 70 72 77 78 78 79 80 81 20 16 16 18 20 22 41 44 46 65 68 69 70 73 74 60 58 58 59 60 61 70 72 73 83 84 84 85 87 87 20 18 18 21 22 23 43 46 48 70 73 74 75 78 79 70 59 59 61 61 62 72 73 74 85 87 87 88 89 90 20 20 20 23 24 25 45 47 50 74 77 78 79 82 83 80 60 60 62 62 63 73 74 75 87 88 89 90 91 92 20 25 25 28 29 30 50 52 55 65 68 69 70 73 74 100 63 63 64 64 65 75 76 78 83 84 84 85 87 87 20 30 30 33 34 35 55 57 60 70 73 74 75 78 79 125 65 65 67 67 68 78 79 80 85 87 87 88 89 90 20 34 34 37 38 39 59 61 64 74 77 78 79 82 83 150 67 67 68 69 70 80 81 82 87 88 89 90 91 92 20 40 40 43 44 45 65 67 70 80 83 84 85 88 89 200 70 70 72 72 73 83 84 85 90 91 92 93 94 95 20 43 43 45 46 48 68 70 73 83 85 86 88 90 92 300 72 72 73 73 74 74 85 87 91 93 93 94 95 96 20 45 45 48 49 50 70 72 75 85 88 89 90 93 94 400 73 73 74 74 75 85 86 88 93 94 94 95 97 97 20 48 48 50 51 53 73 75 78 88 90 91 93 95 97 800 74 74 75 76 77 87 88 89 94 95 96 97 98 99 Upper number shows % loss of central vision without allowance for monocular aphakia or monocular pseudophakia; Lower number shows % loss of central vision with allowance for monocular aphakia or monocular pseudophakia. Monocular aphakia or monocular pseudophakia is considered to be an additional central vision impairment. If either is present, the remaining central vision is decreased by 50% as shown in Table 4.1 113 PERSONAL INJURY BENEFITS A-35 REG 3 Determination of extent of visual fields The extent of the visual field is determined by the use of standard perimetry using the values shown in Table 4.2 Table 4.2 Stimuli Equivalent to the Goldmann Kinetic Stimulus Phakic Alphakic Goldman (Kinetic) III-4e IV-4e ARC perimeter (Kinetic) 3 mm white at 6 mm white at radius 330 mm radius 330 mm Allergan-Humphrey (static, size 3) 10 dB 6 dB Octopus (static, size 3) 7 dB 3 dB The results may be transferred to the chart below: Left Eye Right Eye Superior Superior 90 90 80 80 70 135 45 70 135 45 60 60 50 50 40 40 30 30 20 20 Temporal 10 10 Temporal 180– 80– 70– 60– 50– 40– 30– 20–10 10– 20– 30– 40– 50– 60– 70– 80– 0– • 180– 80– 70– 60– 50– 40– 30– 20–10 10– 20– 30– 40– 50– 60– 70– 80– 0 10 10 20 Nasal 20 30 30 40 40 50 50 60 60 225 70 315 225 70 315 80 80 270 270 Inferior Inferior 114 A-35 REG 3 PERSONAL INJURY BENEFITS The extent of the normal visual fields for the eight principal meridians are shown in Table 4.3. Table 4.3 Normal Visual Fields for Eight Principal Meridians Direction of vision Degrees of field Temporally 85 Down temporally 85 Direct down 65 Down nasally 50 Nasally 60 Up nasally 55 Direct up 45 Up temporally 55 Total 500 Any scotomata within the field should be subtracted from the maximum number of degrees for that meridian. An additional 5% should be included for an inferior quadrantic loss, and 10% for an inferior hemianopic loss, as loss of inferior field is of greater functional consequence. The Esterman 120 binocular field test should be used for any binocular field. The extent of the field can be defined on the field chart (Table 4.3) by drawing a line outside the location of the furthest 10 decimal points in each meridian. Assume that if any stimuli 10 decibels or greater are seen within the 20 or 30 degree field there will be no field remaining beyond this. But if the 10-decibel stimulus is seen outside the 30-degree field, then the extent of loss cannot be known unless a larger field is tested. If an automated central field is normal, it may be accepted the entire field is normal unless the ocular exam or history suggests otherwise, in which case a full field should be tested. 115 PERSONAL INJURY BENEFITS A-35 REG 3 Table 4.4 Deficit of Visual Field Degrees Degrees Deficit Degrees Degrees Deficit Degrees Degrees Deficit lost retained % lost retained % lost retained % (total) (total) (total) (total) (total) (total) 0 500* 0 170 330 34 340 160 68 5 495 1 175 325 35 345 155 69 10 490 2 180 320 36 350 150 70 15 485 3 185 315 37 355 145 71 20 480 4 190 310 38 360 140 72 25 475 5 195 305 39 365 135 73 30 470 6 200 300 40 370 130 74 35 465 7 205 295 41 375 125 75 40 460 8 210 290 42 380 120 76 45 455 9 215 285 43 385 115 77 50 450 10 220 280 44 390 110 78 55 445 11 225 275 45 395 105 79 60 440 12 230 270 46 400 100 80 65 435 13 235 265 47 405 95 81 70 430 14 240 260 48 410 90 82 75 425 15 245 255 49 415 85 83 80 420 16 250 250 50 420 80 84 85 415 17 255 245 51 425 75 85 90 410 18 260 240 52 430 70 86 95 405 19 265 235 53 435 65 87 100 400 20 270 230 54 440 60 88 105 395 21 275 225 55 445 55 89 110 390 22 280 220 56 450 50 90 115 385 23 285 215 57 455 45 91 120 380 24 290 210 58 460 40 92 125 375 25 295 205 59 465 35 93 130 370 26 300 200 60 470 30 94 135 365 27 305 195 61 475 25 95 140 360 28 310 190 62 480 20 96 145 355 29 315 185 63 485 15 97 150 350 30 320 180 64 490 10 98 155 345 31 325 175 65 495 5 99 160 340 32 330 170 66 500 0 100 165 335 33 335 165 67 *or more If the central visual field is impaired, the percentage of deficit is that of the concomitant loss of visual acuity. If the visual acuity is normal, the percentage of deficit is calculated on the basis of the degrees lost. 116 A-35 REG 3 PERSONAL INJURY BENEFITS Determination of ocular motility Abnormal Ocular Motility and Binocular Diplopia – Unless a patient has diplopia with 30º of the centre of fixation, the diplopia rarely causes significant visual impairment. An exception is diplopia on looking downward. The extent of diplopia in the various directions of gaze is determined on an arc perimeter at 33cm or with a bowl perimeter. A tangent screen also is acceptable for evaluating the central 30º. Examination is made in each of the eight major meridians by using a small test light or the projected light of approximately Goldmann III-4e without adding coloured lenses or correcting prisms. Diplopia within the central 20º is considered to be a 100% impairment of ocular motility. This is applied to the injured eye only. To determine the impairment of ocular motility, the patient is seated with both eyes open and the chin resting in the chin rest and centered so that the eyes are equidistant from the sides of the central fixation target. The presence of diplopia is then plotted along the eight meridians of a suitable visual field chart. The impairment percentage for loss of ocular motility due to diplopia in the meridian of maximum impairment can be determined according to the following chart. When there is diplopia of the same eye along multiple meridians, the corresponding impairment percentages are combined. Percentage of Deficit of Ocular Motility of an Eye in the Field of Diplopia Equals 100% Loss 117 PERSONAL INJURY BENEFITS A-35 REG 3 Determination of the visual efficiency of an eye The methods described in clauses (a), (b) and (c) were used to evaluate: • visual acuity • field of vision • ocular motility The percentage of visual efficiency of an eye is obtained by multiplying the percentage of visual acuity retained, by the percentage of the visual field retained, and by the percentage of ocular motility retained. % of visual % of visual % of ocular % of efficiency acuity retained field retained motility retained of eye Right eye ____________x ____________x _____________= ______________ Left eye ____________x ____________x _____________= ______________ Determination of efficiency of entire visual system Multiply the percentage of efficiency of the better eye by 3, add the percentage of efficiency of the other eye, and divide the sum obtained by 4 to obtain the percentage of function of the entire visual system or efficiency of binocular vision. Subtract the percentage of efficiency of binocular vision from 100% (normal vision) to obtain the percentage of deficit for the entire visual system. 100 – (% of efficiency of better eye x 3) + (% of efficiency of other eye) = % of deficit of the entire visual system 4 Permanent Impairment Benefit Related to Impairment of Visual and Corresponding Value for Impairment of the Whole Person % Impairment Visual Whole Visual Whole Visual Whole Visual Whole Visual Whole System Person System Person System Person System Person System Person 0 0 19 17 38 34 57 51 76 68 1 1 20 18 39 35 58 52 77 69 2 2 21 19 40 36 59 53 78 70 3 3 22 20 41 37 60 54 79 71 4 4 23 21 42 38 61 55 80 72 5 5 24 22 43 39 62 56 81 72 6 6 25 23 44 40 63 56 82 72 7 7 26 24 45 40 64 56 83 73 8 8 27 24 46 40 65 57 84 74 9 8 28 24 47 41 66 58 85 75 10 8 29 25 48 42 67 59 86 76 11 9 30 26 49 43 68 60 87 77 12 10 31 27 50 44 69 61 88 78 13 11 32 28 51 45 70 62 89 79 14 12 33 29 52 46 71 63 90-100 80 15 13 34 30 53 47 72 64 16 14 35 31 54 48 73 65 17 15 36 32 55 49 74 66 18 16 37 33 56 50 75 67 118 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 5 UROGENITAL SYSTEM AND FETUS The kidneys play an important role in the maintenance of fluid and electrolyte balance. In order to maintain this balance, blood is filtered by the kidneys and filtered to produce urine for excretion. The urine is transported from the kidney via a conduit system composed of the ureters, the urinary bladder and the urethra. When injury to the upper urinary tract occurs, there may be associated symptoms of renal dysfunction presenting as: • changes in frequency of urination • blood or pus in the urine (hematuria, pyuria) • pain in the flank or groin • bony pain and weakness • soft tissue swelling (edema) • elevation of blood pressure • diminished stamina with or without anemia • alteration of weight and appetite In addition to the above signs or symptoms, renal dysfunction may have adverse effects on multiple organs leading to the development of secondary functional impairments. Metabolic bone disease and anemia are but two examples of such impairments. Evidence of renal dysfunction is confirmed by laboratory testing which attempts to measure the kidneys’ rate of filtration (the Glomerular Filtration Rate or GFR). The Creatinine Clearance is a reliable quantitative method of assessment of GFR. This test measures the amount of creatinine cleared by the kidneys in a 24-hour period. This index will be used as an estimate of renal function and is readily evaluated by most laboratories. Injuries to lower urinary tract (ureters, bladder and urethra) may be associated with alteration or loss of tissue that necessitates a urinary diversion procedure to compensate for the anatomic alterations and allow for egress of urine. Occasionally these injuries are associated with signs and symptoms of upper urinary dysfunction. Trauma to the genitalia may lead to impairments in reproduction or sexual function. Such impairments are considered here, whereas impairments associated with a loss of form and symmetry are considered under Division 12, Subdivision 2. Impairment Rating Procedure for Urogenital Injuries When rating impairments of the urogenital system, the clinician may consider two separate components: • the degree of tissue disruption associated with the injury, and • the alteration in function associated with the particular injury. 119 PERSONAL INJURY BENEFITS A-35 REG 3 Subdivision 1 Part 1: Urinary Tract Tissue Disruption 1.1 Kidney Impairment (a) removal of both kidneys, including renal transplantation ........................ 40% (b) loss of one kidney ......................................................................................... 10% (c) reduction or loss of renal function: see Part 2 below (d) with associated anemia: see Division 10: Hematopoietic System 1.2 Ureteric Impairment (a) Uretero-intestinal diversion ........................................................................ 10% (b) Cutaneous ureterostomy diversion ............................................................. 10% (c) Nephrostomy diversion ................................................................................ 10% (d) With associated reduction or loss of renal function: see Part 2 1.3 Bladder Impairment (a) Bladder removal, including any associated urinary diversion procedures .................................................................................... 35% (b) Incontinence or urinary retention, not related to spinal cord injury: (i) complete loss of sphincter control ........................................................ 20% (ii) partial loss of sphincter control ............................................................ 10% (iii) dysfunction in the form of precipitant urination ................................. 3% (c) alteration of the bladder with enterocystoplasty ....................................... 10% (d) alteration of the bladder without enterocystoplasty .................................. 3% 1.4 Urethral Impairment (a) Surgically uncorrectable fistula .................................................................. 7.5% (b) Stenosis requiring monthly treatments ...................................................... 6% (c) Stenosis requiring quarterly treatments .................................................... 3% 1.5 Alteration of tissue following a posterolumbar incision or a laporotomy ................................................................................................ 2% Part 2: Renal Functional Impairment Renal impairments may be measured by the following classification system: Class 1: Creatinine Clearance of 30-80 ml/min, or intermittent symptoms and signs of upper urinary tract dysfunction are present that do not require continuous treatment or surveillance ................................. 15% Class 2: Creatinine Clearance of 10-30 ml/min, or Creatinine Clearance is >30, but symptoms and signs of upper urinary tract dysfunction are incompletely controlled by continuous treatment or surveillance ...... 50% Class 3: Creatinine Clearance <10 ml/min, or Creatinine Clearance is >10, but symptoms and signs of upper urinary tract dysfunction persist despite continuous medical or surgical treatment ..................................... 75% 120 A-35 REG 3 PERSONAL INJURY BENEFITS Subdivision 2 Part 1 Reproductive Organ Tissue Disruption 1.1 Male Genitalia (a) Loss of penis ............................................................................................. 15% (b) Post-traumatic alteration of penis .......................................................... 10% (c) Loss of both testicles (including epididymides and spermatic cords): (i) before the end of puberty ......................................................................... 20% (ii) after puberty ............................................................................................ 10% (d) Loss of a testicle (including epididymis and spermatic cord) ................ 5% (e) Alteration of the prostate (including seminal vesicles) ......................... 5% (f) Loss of the prostate (including seminal vesicles) ................................... 10% (g) With associated urinary incontinence from any of above: see Subdivision 1 section 1.3 1.2 Female Genitalia 1.21 Internal Genitalia (a) loss of both ovaries (including fallopian tubes): (i) before the end of puberty ......................................................................... 20% (ii) after puberty ............................................................................................ 10% (b) loss of a single ovary (including fallopian tube) ..................................... 5% (c) loss of the uterus (including cervix) (i) before the end of menopause .................................................................... 10% (ii) after menopause ...................................................................................... 5% (iii) alteration of cervix only ......................................................................... 2% (d) loss of an ovary with or without the fallopian tube ............................... 5% (e) alteration of tissue following a cesarean section .................................... 2% 1.22 External Genitalia (a) loss of the clitoris ..................................................................................... 5% (b) loss of the vulva ....................................................................................... 5% (c) loss of the vagina ...................................................................................... 5% (d) alteration of the clitoris ........................................................................... 2.5% (e) alteration of the vulva ............................................................................. 2.5% (f) alteration of the vagina ............................................................................ 2.5% 121 PERSONAL INJURY BENEFITS A-35 REG 3 1.3 Loss of fetus that has achieved a gestational age of 10 weeks as verified with medical documentation ........................ 7% Part 2: Impairment of Reproductive/ Sexual Function Criteria for Rating Neurologic Sexual Impairment Class 1 Class 2 Class 3 5% Impairment of 10% Impairment of 15% Impairment of the Whole Person the Whole Person the Whole Person Sexual functioning is Reflex sexual functioning No sexual functioning possible with difficulty is possible but there is of erection or no awareness ejaculation in men or lack of awareness, excitement, or lubrication in either sex DIVISION 6 Respiratory System Impairment Rating Procedure for Respiratory System Injuries When rating impairments of the respiratory system, the clinician may consider two separate components: • the degree of tissue disruption associated with the injury, and • the alteration in function associated with the particular injury. To quantify the degree of respiratory system impairment, Pulmonary Function Tests should be requested. Pulmonary function tests, performed on standardized equipment with validated administration techniques, provide the framework for the evaluation of respiratory system impairment. Spirometric testing equipment, calibration, and administration techniques must conform to the guidelines of the 1994 ATS Statement on Standardization of Spirometry. If tolerated, by the individual, remove pulmonary medications for up to 24 hours before spirometry or methacholine challenge testing to access pulmonary function without the effects of medication. Forced expiration maneuver measurements are made from at least three acceptable spirometric tracings that demonstrate uniformity pertaining to both the expiration flow pattern and concordance of at least two of the test results within 5% of each other. Measurements include the following: forced vital capacity (FVC), forced expiratory volume in the first second (FEV ), and the ratio of these measurements (FEV /FVC). 1 1 Use the tracings with the highest FVC and FEV to calculate the FEV /FVC ratio, even 1 1 if these measurements occur on different expiratory efforts. 122 A-35 REG 3 PERSONAL INJURY BENEFITS Repeat spirometry after bronchodilator administration if FEV /FVC is below 0.70 or 1 if there is wheezing on physical examination. Use the spirogram indicating the best effort, before or after administration of a bronchodilator, to determine FVC and FEV 1 for impairment assessment. Postbronchodilator FEV and FVC are important in 1 understanding potential medication responsiveness and prognosis. The FEV /FVC ratio helps diagnose obstructive airway disease. However, according to the 1 most recent ATS statement on pulmonary function testing interpretation, the absolute volume or the percentage of predicated value of FEV is the primary parameter for 1 assessing severity of the obstruction, although the FEV /FCE may be helpful. Instead, 1 judge severity on the absolute value or the percentage of predicted value of FEV . 1 Part 1: Respiratory System Tissue Disruption 1.1 Loss of a lung .................................................................................................... 20% 1.2 Loss of a pulmonary lobe ............................................................................... 3% 1.3 Alteration of tissue following a thoracotomy or penetrating chest wound (excluding treatment of a pneumothorax with a valve type catheter insertion) ........................................................................................................... 2% 1.4 Phrenic Nerve Injury ...................................................................................... 2% With associated alteration of pulmonary function: see Part 2 1.5 Pleural Thickening Thickness For Pleural thickening visible along the thoracic wall maximum thickness is measured from the osseous line of the thorax to the internal limit of the pleural opacity as most clearly delimited: (a) maximum thickness of under 5 mm ............................................................ 1% (b) maximum thickness of between 5 mm and 10 mm .................................... 2% (c) maximum thickness of over 10 mm ............................................................ 3% Front View The presence of pleural thickening observed by the front view is notable even if it can also be seen from a side view. In the event that it is only visible by a front view, usually the thickening cannot be measured. Extent The extent of pleural thickening is defined in terms of maximum length of the surface observed from a front or side view: (a) total length up to a quarter of the distance on the projection of the lateral thoracic wall ........................................................................... 1% (b) total length exceeding a quarter of the distance on the projection of the lateral thoracic wall up to a half of this distance ........... 2% (c) total length exceeding a half of distance on the projection of the lateral thoracic wall ............................................................................... 3% 123 PERSONAL INJURY BENEFITS A-35 REG 3 Assessment of Deficit The percentage obtained for the width is multiplied by the figure obtained for the extent, which determines the percentage of deficit assigned to the pleural thickening. In the case of bilateral pleural thickening, the percentages are added for each side to a total maximum allowed of 18%. Note: Total pleural impairment cannot exceed a maximum deficit of 20%. 1.6 Tracheal stenosis (See Table 3.1 (Classes of Air Passage Deficits) in Division 3, Subdivision 3: Throat and Related Structures) Part 2: Respiratory Functional Impairment Class 1: Both FVC and FEV >80% of predicted and FEV /FVC 1 1 >70% predicted and D >70% of predicted ................................... 0% CO Class 2: Either of FVC or FEV between 60-80% of predicted or D 1 CO between 60-80% of predicted .......................................................... 15% Class 3: FVC between 50-59% of predicted or FEV between 40-59% 1 of predicted or D between 40-59% of predicted .......................... 35% CO Class 4: FVC <50% of predicted or FEV <40% of predicted 1 or D < 40% of predicted ................................................................. 75% CO DIVISION 7 The Digestive Tract For the purposes of impairment rating, the gastrointestinal (GI) tract may be divided into the following components: • Upper GI tract: • esophagus • stomach • duodenum, jejunum and ileum (small intestine) • pancreas • Lower GI tract: • colon • rectum • anus • Liver and biliary tract In this section, the different impairment rating classes consider both tissue disruption and function together. 124 A-35 REG 3 PERSONAL INJURY BENEFITS Subdivision 1 Part 1: Impairment Rating Criteria For the Upper GI Tract Class 1: Symptoms or signs of upper digestive tract disease are present, or there is anatomic loss or alteration of tissue, and continuous treatment is not required, and weight can be maintained at a desirable level. ......................................... 2.5% Class 2: Symptoms and signs of upper digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments are required for control of symptoms/signs, and weight loss does not exceed 10% below desirable body weight. .................................................................... 7.5% Class 3: Symptoms and signs of upper digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments do not completely control symptoms/signs, or weight loss is 10-20% below desirable body weight. .......................................................... 25% Class 4: Symptoms and signs of upper digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments do not completely control symptoms/signs, or weight loss is >20% below desirable body weight. .................................................................... 40% Part 2: Impairment Rating Criteria For the Lower GI Tract 2.1 Colon and Rectum Class 1: Symptoms or signs of lower digestive tract disease are present, or there is anatomic loss or alteration of tissue, and continuous treatment is not required, and weight can be maintained at a desirable level. ......................................... 2.5% Class 2: Symptoms and signs of lower digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments are required for control of symptoms/signs, and weight loss does not exceed 10% below desirable body weight. .......................................................... 7.5% Class 3: Symptoms and signs of lower digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments do not completely control symptoms/signs, or weight loss is 10-20% below desirable body weight. ..................................................................................... 25% Class 4: Symptoms and signs of lower digestive tract disease are present, or there is anatomic loss or alteration of tissue, and dietary or medical treatments do not completely control symptoms/signs, or weight loss is >20% below desirable body weight. .................................................................... 40% 125 PERSONAL INJURY BENEFITS A-35 REG 3 2.2 Anal Impairment Class 1: There is evidence of anatomic loss or alteration of tissue, or there is mild incontinence of stool, and symptoms can be controlled by treatment. ............................................................. 2.5% Class 2: There is evidence of anatomic loss or alteration of tissue and there is moderate incontinence of stool, requiring continual treatment and symptoms are incompletely controlled by treatment. ................................................................. 7.5% Class 3: There is evidence of anatomic loss or alteration of issue and complete fecal incontinence is present and symptoms are unresponsive to treatment. ...................................................... 20% Subdivision 2: Impairment Rating Criteria For the Liver and Biliary Tract 3.1 Liver Tissue Disruption or Loss (a) Liver Trauma Not Requiring Surgery ........................................................ 5% (b) Blunt trauma or laceration requiring surgery – no tissue loss ................. 10% (c) Traumatic Loss of Tissue ............................................................................. 20% 3.1.1 Residual Hepatic Functional Impairment: Class 1: There is objective evidence of persistent liver disease, and no symptoms or signs of ascites, jaundice, or other significant hepatic complications, and biochemical studies indicate minimal disturbance in hepatic function ........................ 5% Class 2:

There is objective evidence of chronic liver disease, and no symptoms, or signs of ascites, jaundice, or esophageal bleeding, and biochemical studies indicate severe disturbance in hepatic function .......................................................................... 15% Class 3: There is objective evidence of progressive chronic liver disease, with history of jaundice, ascites, bleeding of upper gastrointestinal varices, or intermittent hepatic encathalopathy ................................................................................ 40% Class 4: There is objective evidence of progressive chronic liver disease, with persistent jaundice or bleeding, esophageal varices, and central nervous system manifestations of hepatic insufficiency ........................................................................ 70% 126 A-35 REG 3 PERSONAL INJURY BENEFITS 3.2 Biliary Tract Class 1: There is occasional biliary tract dysfunction with documented biliary tract disease ................................................... 5% Class 2: There is recurrent biliary tract dysfunction despite ongoing treatment ........................................................................... 20% Class 3: There is obstruction of the bile tract with recurrent cholangitis. ...................................................................... 40% Class 4: There is persistent jaundice and progressive liver disease due to obstruction of the common bile duct ...................... 75% Subdivision 3: Impairment Rating Criteria for the Abdominal Wall, Inguinal and Femoral Regions 4.1 Classes of Hernia-related Impairments Class 1: Inguinal hernias, and repairs of incisional hernias that are successfully treated with surgery................................................... 5% Class 2: Hernias that are complicated, with recurring surgeries required, but do not interfere with most normal activities .......................... 15% Class 3: Palpable defect in supporting structures of abdominal wall where persistent, irreducible, and irreparable protrusion at the site of the defect has occurred causing significant limitation in instrumental activities of daily living ................................................................... 25% DIVISION 8 Cardiovascular System 1 Cardiac lesions see Table 8.1 2 Thoracic arterial lesions (a) Surgically corrected alteration of the ascending thoracic aorta ................ 4% (b) Surgically corrected alteration of the descending thoracic aorta .............. 3% (c) Functional limitations: see Table 8.1 3 Peripheral arterial lesions (a) Surgically corrected alteration of the abdominal aorta ............................. 3% (b) Surgically corrected alteration of a peripheral artery ............................... 1% (c) Functional alteration following a unilateral sympathectomy ................... 2% (d) Alteration of a blood vessel corrected by transluminal angioplasty ......... 2% (e) Functional limitations: see Tables 8.2 and 8.3 4 Venous and lymphatic lesions (a) Post-traumatic venous insufficiency or lymphatic insufficiency: (i) minor, well controlled by medical treatment ....................................... 3% (ii) moderate, not completely controlled by medical treatment ................ 5% (iii) severe, not controlled by medical treatment, with trophic problems, but without recurring ulceration ............................ 8% (iv) very severe, not controlled by medical treatment, with trophic problems and recurring ulceration .......................................... 12% (b) Superficial venous insufficiency .................................................................. 1% 127 PERSONAL INJURY BENEFITS A-35 REG 3 Table 8.1 Functional Limitations Following Cardiovascular Injury Class 1 (over 7 mets) (a) cardiovascular lesion without angina or shortness of breath with strenuous or rapid or prolonged exertion or when undergoing a maximum stress test ............................................................. 2.5% (b) cardiovascular lesion whereby ordinary physical activity does not cause angina, such as walking and climbing stairs. However, angina occurs with strenuous or rapid or prolonged exertion or when undergoing a maximum stress test ................................ 7.5% Class 2 (5, 6, 7 mets) (a) cardiovascular lesion without angina nor shortness of breath when performing physical activity such as walking, climbing stairs or carrying packages .......................................................... 15% (b) cardiovascular lesion with minor limitation characterized by angina or shortness of breath: for physical activity such as walking at a brisk pace or walking uphill; for walking or stair climbing after meals or in the cold or in the wind; under emotional stress; in the morning after waking; when walking more than two blocks on a level surface; and climbing one flight of ordinary stairs at a fast pace or more than one flight of ordinary stairs at a normal pace and in normal conditions ....................................................................... 30% Class 3 (2 to 4 mets) moderate limitation characterized by angina or shortness of breath for physical activities such as walking one to two city blocks on level ground or climbing one flight of stairs in normal conditions and at a normal pace ................................................ 45% Class 4 (under 2 mets) severe limitation characterized by angina or shortness of breath for physical activities such as walking a few steps or while performing movements needed for personal hygiene. Angina or shortness of breath may occur at rest or during sleep. ..................................................................................... 80% 128 A-35 REG 3 PERSONAL INJURY BENEFITS Table 8.2 Functional Limitations Following a Lower Limb Vascular Lesion 1 Severe arterial insufficiency with trophic skin changes and ulceration, with inability to walk ...................................................................... 45% 2 Intermittent claudication occurring when walking at an ordinary pace over a distance of less than 75 metres ....................................... 30% 3 Intermittent claudication occurring when walking at an ordinary pace over a distance of 75 to 120 metres ............................................ 20% 4 Intermittent claudication occurring when walking at an ordinary pace for a distance of over 120 metres but less than 300 metres .................... 10% 5 Slightly inhibiting intermittent claudication, occurring when walking at an ordinary pace over a distance of 300 to 500 metres .................. 5% Table 8.3 Functional Limitations Following an Upper Limb Vascular Lesion 1 Severe arterial insufficiency, with trophic skin changes and ulceration, inhibiting exertion or causing ischemic pain at rest ...................... 45% 2 Arterial insufficiency causing significant intermittent ischemic pain that occurs with light exertion .................................................... 30% 3 Arterial insufficiency causing intermittent ischemic pain that occurs with moderate exertion .................................................................... 15% 4 Arterial insufficiency causing intermittent ischemic pain that occurs with heavy exertion .......................................................................... 5% DIVISION 9 Endocrine System Subdivision 1: Hypothalamus, Pituitary, Thyroid and Parathyroid Glands 1 Total hypopituitarism, including diabetes insipidus ......................................... 60% 2 Partial hypopituitarism, excluding diabetes insipidus, requiring replacement of: (a) Thyroid hormone .......................................................................................... 5% (b) Cortisone acetate .......................................................................................... 10% (c) Estrogen/testosterone when fertility is not an issue .................................. 10% (d) Loss of fertility ............................................................................................. 20% (e) Growth hormone in a child or adolescent ................................................... 20% (f) Growth hormone in an adult ....................................................................... 2% (combine the values for more than one lesion) 3 Diabetes insipidus ............................................................................................... 10% 4 Impairment of the parathyroid glands ............................................................... 10% 5 Alteration of the thyroid gland not requiring hormone therapy ....................... 2% 6 Alteration or loss of the thyroid gland requiring hormone therapy ................. 5% 129 PERSONAL INJURY BENEFITS A-35 REG 3 Subdivision 2: Pancreas (Endocrine Function) For exocrine pancreatic impairments (i.e. recurrent chronic pancreatitis or associated malabsorbtion syndromes), refer to Division 7, Part 1: Gastrointestinal Tract 7 Diabetes Mellitus (which is medically explainable such as direct trauma) (a) Controlled without the use of insulin or oral medication .......................... 5% (b) Control requiring the use of oral medication.............................................. 10% (c) Control requiring insulin therapy ............................................................... 20% (d) Difficult to control with insulin therapy ..................................................... 40% Diabetes may occur following MVA-related trauma by one of several mechanisms.If the pancreas is traumatised, there may be sufficient tissue injury to impair insulin production resulting in tertiary diabetes. Certain drugs, e.g. Prednisone, can induce secondary diabetes by altering the hormonal balance. If this drug (or a similar drug) is used to treat an MVA-related condition, then the diabetic complication is also considered accident related. Finally, an injured person with pre-existing Type 1 or 2 diabetes, or an injured person with borderline diabetes, may have their metabolism altered by prolonged inactivity (e.g. bedrest) associated with the treatment of their MVA-related condition. This alteration in their diabetic status is usually temporary. Subdivision 3: Adrenal Glands 8 Loss of one adrenal gland .................................................................................... 2% 9 Loss of both adrenal glands requiring hormone therapy .................................. 15% 130 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 10 The Hematopoietic System The hematopoietic system deals with organs that produce and maintain blood products including: • red blood cells • white blood cells • platelets • coagulation proteins Abnormalities may arise when the organs responsible for hematopoiesis are injured following motor vehicle collision-related trauma or as a complication of medical or surgical therapy following such injuries. The major hematopoietic organs are: • spleen • bone marrow • liver • thymus • kidneys Impairment Rating Procedure for the Hematopoietic System When rating impairments of the hematopoietic system, the clinician may consider two separate components: • the degree of tissue disruption associated with the injury, and • the alteration in function associated with the particular injury. Part 1: Tissue Disruption 1 Spleen (a) Injury not requiring surgery ....................................................................... 1% (b) Injury requiring splenic repair or partial splenectomy ............................. 3% (c) Injury resulting in total splenectomy ......................................................... 5% (d) Injury causing some loss of splenic function: see Part 2 2 Thymus (a) Injury not requiring surgery ....................................................................... 0% (b) Injury requiring partial thymectomy .......................................................... 1% (c) Injury resulting in total thymectomy.......................................................... 2% (d) Injury causing some loss of thymus function: see Part 2 131 PERSONAL INJURY BENEFITS A-35 REG 3 Part 2: Functional Impairment of the Hematopoietic System 1 Red Blood Cells – MVA-related conditions that results in permanent alterations of RBC indices Symptoms Hemoglobin Level Transfusion Impairment g/L Requirement % None 100 – 120 None 0 Minimal 80 – 100 None 15 Moderate 50 – 80* 2 – 3 Units every 4 – 6 weeks 40 Severe 50 – 80* 2 – 3 Units every 2 weeks 75 *level prior to transfusion 2 White Blood Cells (WBC) (a) Permanent conditions leading to a decreased WBC count Symptoms WBC Level Treatment Impairment g/L Required % None 37324 None 0 Minimal 37258 None 5 Moderate <1 Administration of Growth Factor 40 Severe <0.5 Administration of Growth Factor 75 (b) Conditions leading to an increased WBC count By report ............................................................................................ 0 – 75% 3 Platelet and Clotting Factors (a) Conditions leading to a permanent alteration in the platelet count By report .................................................................................................. 0 – 10% (b) Conditions leading to a permanent alteration in clotting factors By report .................................................................................................. 15 – 50% 132 A-35 REG 3 PERSONAL INJURY BENEFITS DIVISION 11 Vestibulocochlear Apparatus Impairment Rating Procedure Impairment rating procedure In this Division, the whole person impairment rating is determined by combining the separate impairment ratings or hearing loss, vestibular (labyrinthine) function and tinnitus in accordance with the following formula: (H x 0.8) + (V x 0.9) + (T x 0.8) = I In this formula: H is the impairment rating for hearing loss determined under section 3; V is the impairment rating for vestibular function determined under section 4; T is the impairment rating for tinnitus determined under section 5; and I is the whole person impairment rating. 1 Ear or pinna See Table 12.1 in Division 12 2 External canal injury (e.g. stenosis) (a) unilateral ................................................................................................. 1.5% (b) bilateral .................................................................................................... 3.% 3 Hearing Permanent hearing impairment may be classified as unilateral or bilateral. Unaided (a) profound bilateral sensory neural hearing loss (a) (Defined as > 60 ISO according to Table 11.1) ....................................... 30.% (b) unilateral sensory neural hearing loss profound (b) (Defined as > 60 ISO according to Table 11.1) ....................................... 5.% (c) reduction in hearing other than above (c) (See Table 11.1) 133 PERSONAL INJURY BENEFITS A-35 REG 3 Table 11.1 Impairment for hearing loss Impairment Rating Reduction of Hearing in Decibels (DB)* Most Impaired Ear Less Impaired Ear 25 ISO 0.5% 2.5% 26 - 29 ISO 1.0% 5.0% 30 - 34 ISO 1.5% 7.5% 35 - 39 ISO 2.0% 10.0% 40 - 44 ISO 2.5% 12.5% 45 - 49 ISO 3.0% 16.0% 50 - 54 ISO 3.5% 17.5% 55 - 59 ISO 4.0% 20.0% 60 ISO or more 5.0% 25.0% * According to the average obtained by a valid audiogram on frequencies of 500, 1,000 and 2,000 cycles. Addendum to Table 11.1 For a reduction in speech discrimination score below 80% in an affected ear multiply the hearing impairment by a factor of 2. For example, a hearing loss of over 35 to 40 ISO in the more impaired ear is 2% whole body impairment. However, if in the affected ear speech discrimination is <80%, the final rating is multiplied by 2 resulting in a 4% whole body impairment. The maximum award for this category is 30% equivalent to the maximum award for profound bilateral hearing loss. 4 Vestibular function 4.1 Loss of labyrinth (as determined by clinical examination and / or electronystagmograph) (a) complete loss of one labryinth ................................................................. 5% (b) complete loss of both labryinths ............................................................. 10% 134 A-35 REG 3 PERSONAL INJURY BENEFITS 4.2 Functional criteria for vestibular impairment based on objective evidence of vestibular dysfunction Class Symptom or condition Impairment Rating Class 1 Peripheral or central vertigo does not affect the capacity to perform activities of daily living (ADL). 2.5% Class 2 Peripheral or central vertigo does not affect the capacity to perform most ADL, but certain activities, such as driving an automobile or riding a bicycle, may endanger the safety of the patient or others. 7.5% Class 3 Peripheral or central vertigo necessitating continuous supervision for the performance of most ADL such as personal hygiene, household chores, or walking. 30% Class 4 Peripheral or central vertigo requiring continuous supervision for the performance of most ADL and requiring confinement of the patient at home or an institution. 50% 5 Tinnitus, unilateral or bilateral Class Symptom or condition Impairment Rating Class Tinnitus is intermittent and noticeable only in (mild) quiet environment. 0.5% Class 2 Tinnitus is constantly present and bothersome (moderate) in quiet environments, disturbing concentration and sleep. 2% Class 3 Tinnitus is constantly present and (severe) bothersome in most environments, disturbing concentration, sleep and activities of daily living. 5% 135 PERSONAL INJURY BENEFITS A-35 REG 3 DIVISION 12 Skin DEFINITIONS “alteration in form and symmetry” refers to a skin disfigurement that results in a change in tissue bulk, consistency, length, pigmentation, or texture. It does not refer to the presence of a scar. “conspicuous” refers to a skin disfigurement that is readily discernable with the unaided eye. “faulty scar” refers to a scar that is misaligned, irregular, depressed, deeply adhering, pigmented, scaly, retractile, keloidal or hypertrophic. “flat scar” refers to a scar that is almost linear, at the same level as the adjoining tissue and almost the same colour, causing no contraction or distortion of neighboring structures. “inconspicuous” refers to a skin disfigurement that is not readily discernable with the unaided eye. “scar” refers to any lesion caused by a full thickness cut through the skin and is one of either: (i) a faulty scar; or (ii) a flat scar. Subdivision 1: Facial Disfigurement For the purpose of rating facial disfigurement, reference is made to each of the following anatomical elements: (a) forehead (b) orbits and eyelids (c) visible part of the ocular globes (d) cheeks (e) nose (f) lips (g) ears (h) chin Impairment Rating Procedure for Facial Disfigurement 1 The degree of overall facial disfigurement is first classified in terms of its physical appearance, in order to determine the appropriate impairment class. 2 For disfigurement classes 1-4, the impairment percentage for disfigurement is fixed with respect to the alterations in the form and symmetry of the scarring, up to a maximum impairment percentage for disfigurement prescribed for each class (see Table 12.1.) 3 Where there is evidence of both scarring and alteration in form and symmetry, both impairments are rated and the percentages for both are added up to the maximum percentage prescribed for that class. 4 For classes 5 and 6, alterations in form and symmetry and scarring are considered jointly, and the impairment percentage awarded is the maximum prescribed for the class (see Table 12.2). 136 A-35 REG 3 PERSONAL INJURY BENEFITS Table 12.1 Evaluation of Facial Disfigurement Part 1 Maximum Classification Alteration in Impairment According To Form and Percentage for Appearance Symmetry Scarring the Class Class 1 No impairment Inconspicuous change Inconspicuous 0% Class 2 Very minor impairment Inconspicuous change Conspicuous 3% 1% per cm2 Class 3 Minor impairment Conspicuous change and: Conspicuous and: 7% (a) affecting one (a) flat scar: anatomical element: 3% 1% per cm2 (b) affecting two (b) faulty scar: anatomical elements: 4% 2% per cm2 (c) affecting >two anatomical elements: 7% Class 4 Moderate impairment Conspicuous change that Conspicuous and: 15% holds one’s attention and: (a) affecting one (a) flat scar: anatomical element: 10% 1% per cm2 (b) affecting two (b) faulty scar: anatomical elements: 12% 3% per cm2 (c) affecting >two anatomical elements: 15% Table 12.2 Evaluation of Facial Disfigurement Part 2 Classification According Alteration in Form and Impairment Rating To Appearance Symmetry And Scarring Percentage Class 5 Involving several facial 20% Severe impairment anatomical elements Class 6 Involving all facial 30% Disfiguration anatomical elements 137 PERSONAL INJURY BENEFITS A-35 REG 3 Subdivision 2: Disfigurement of Other Parts of the Body Impairment Rating Procedure for Disfigurement of Other Parts of the Body 1 The degree of disfigurement of any particular body region (defined below) is first classified in terms of its physical appearance generally, to determine if any alteration of form and symmetry of the body region is “minor”, “moderate”, or “severe”. The assessment is done on the overall appearance of the body region, and not on each individual scar or area of altered form & symmetry. 2 Where there is impairment only by alteration in form and symmetry, the degree of impairment is calculated and the percentage of disfigurement prescribed for that part of the body is awarded (see Table 12.3). 3 Where there is impairment only by scarring, the surface area of the scar is measured and the impairment percentage prescribed per cm2 is awarded up to the maximum impairment percentage prescribed for that part of the body (see Table 12.3). 4 Where there are both alterations in the form and symmetry and scarring in the same body region, the higher of the two percentages obtained under either heading is awarded without exceeding the maximum impairment percentage prescribed for that part of the body (see Table 12.3). 5 For the purposes of rating disfigurement for other parts of the body, the body regions may be defined as follows: (a) the “scalp and skull” begin at the normal hairline in front and follow the hairline around the side to the back; (b) the “neck” is the area of skin overlying C1-C7 posteriorly and the cricoid cartilage to the sternal notch anteriorly; (c) the “arms, shoulder and elbows” extend from the acromion process and axillary folds both anteriorly and posteriorly to the tip of the olecranon process and flexor crease. The scapulae, suprapinous fossa and supraclavicular fossa are considered part of the trunk for the purposes of rating disfigurement; (d) the “forearms” begin at the tip of the olecranon process (dorsally) and elbow flexor crease (anterior) and extend to the distal wrist crease; (e) the “wrist and hands” begins at the distal wrist crease and extend distally to the fingertips; (f) the “trunk” region includes both the suprascapular and supraclavicular fossae. It extends from the sternal notch anteriorly and C7 posteriorly to inguinal ligament crease (anteriorly) and to the crease below the buttock; (g) the “lower limbs” begin at the distal aspect of the trunk and extend distally to the tips of the toes. 138 A-35 REG 3 PERSONAL INJURY BENEFITS Table 12.3 Evaluation of Disfigurement for Other Parts of the Body Body Region Alteration in Form Scarring Maximum and Symmetry Impairment % Scalp and Skull Minor change 1% Conspicuous: 0.5%/cm2 5% Moderate change 3% Severe change 5% Neck Minor change 1% Conspicuous: 1%/cm2 Moderate change 5% Severe change 8% 8% Arms, Shoulders Minor change 1% Conspicuous: 0.5%/cm2 4% per limb and Elbows Moderate change 2% Severe change 4% Forearms Minor change 1% Conspicuous: 1%/cm2 5% per limb Moderate change 2% Severe change 5% Wrists and Hands Minor change 1% Conspicuous: 1%/cm2 6% per limb Moderate 3% Severe change 6% Trunk Minor change 1% Conspicuous: 0.5%/cm2 6% Moderate change 3% Severe change 6% Lower Limbs Minor change 1% Conspicuous: 1%/cm2 8% per limb Moderate change 4% Severe change 8% Form and symmetry already includes allowance for changes in pigmentation. 23 Aug 2002 SR 70/2002 s12; 24 Aug 2007 SR 73/2007 s13; 23 Dec 2016 SR 99/2016 s26. 139 PERSONAL INJURY BENEFITS A-35 REG 3 Appendix C [Section 40] Combined Value Impairment Rating Below is the Table for combining two or more impairments if a person has an impairment in more than one subdivision as set out in Appendix B. The values are derived from the formula A + B (1 – A) = combined value of A and B, where A and B are the decimal equivalents of the impairment ratings. In the chart all values are expressed as percentages. To combine any two impairment values, locate the larger of the values on the side of the chart and read along that row until you come to the column indicated by the smaller value at the bottom of the chart. At the intersection of the row and the column is the combined value. TABLE A 1 2 2 3 4 3 4 5 6 4 5 6 7 8 5 6 7 8 9 10 6 7 8 9 10 11 12 7 8 9 10 11 12 13 14 8 9 10 11 12 13 14 14 15 9 10 11 12 13 14 14 15 16 17 10 11 12 13 14 14 15 16 17 18 19 11 12 13 14 15 15 16 17 18 19 20 21 12 13 14 15 16 16 17 18 19 20 21 22 23 13 14 15 16 16 17 18 19 20 21 22 23 23 24 14 15 16 17 17 18 19 20 21 22 23 23 24 25 26 15 16 17 18 18 19 20 21 22 23 24 24 25 26 27 28 16 17 18 19 19 20 21 22 23 24 24 24 26 27 28 29 29 17 18 19 19 20 21 22 23 24 24 25 25 27 28 29 29 30 31 18 19 20 20 21 22 23 24 25 25 26 26 28 29 29 30 31 32 33 19 20 21 21 22 23 24 25 25 26 27 27 29 30 30 31 32 33 34 34 20 21 22 22 23 24 25 26 26 27 28 28 30 30 31 32 33 34 34 35 36 21 22 23 23 24 25 26 27 27 28 29 29 30 31 32 33 34 34 35 36 37 38 22 23 24 24 25 26 27 27 28 29 30 30 31 32 33 34 34 35 36 37 38 38 39 23 24 25 25 26 27 28 28 29 30 31 31 32 33 34 35 35 36 37 38 38 39 40 40 24 25 26 26 27 28 29 29 30 31 32 32 33 34 35 35 36 37 38 39 39 40 41 41 42 25 26 27 27 28 29 30 30 31 32 33 33 34 35 36 36 37 38 39 40 40 41 42 42 43 44 B 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 140 A-35 REG 3 PERSONAL INJURY BENEFITS 05 94 84 74 64 54 44 34 24 14 04 93 83 73 63 53 43 33 23 13 03 92 82 72 62 52 42 32 22 12 02 91 81 71 61 51 41 31 21 11 01 9 8 7 6 5 4 3 2 1 15 67 57 57 47 47 37 37 27 27 17 17 07 07 96 96 86 86 76 76 66 66 56 56 46 46 36 36 26 26 16 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 25 25 15 15 25 67 67 67 57 57 47 37 37 27 27 17 17 07 07 96 96 86 86 76 76 66 66 56 56 46 46 46 36 36 26 26 16 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 25 25 35 77 67 67 57 47 47 47 37 37 27 27 17 17 07 07 96 96 96 86 86 76 76 66 66 56 56 46 46 36 36 26 26 16 16 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 45 77 77 67 67 57 57 47 47 37 37 27 27 17 17 17 07 07 96 96 86 86 76 76 66 66 66 56 56 46 46 36 36 26 26 16 16 06 06 95 95 95 85 85 75 75 65 65 55 55 45 45 55 87 77 77 67 67 57 57 47 47 37 37 37 27 27 17 17 07 07 96 96 96 86 86 76 76 66 66 56 56 46 46 46 36 36 26 26 16 16 06 06 06 95 95 85 85 75 75 65 65 55 55 65 87 87 77 77 67 67 57 57 47 47 47 37 37 27 27 17 17 17 07 07 96 96 86 86 76 76 76 66 66 56 56 46 46 36 36 36 26 26 16 16 06 06 06 95 95 85 85 75 75 65 65 75 97 87 87 77 77 67 67 57 57 57 47 47 37 37 27 27 27 17 17 07 07 96 96 96 86 86 76 76 66 66 66 56 56 46 46 36 36 36 26 26 16 16 06 06 06 95 95 85 85 75 75 85 97 97 87 87 77 77 67 67 67 57 57 47 47 47 37 37 27 27 17 17 17 07 07 96 96 86 86 86 76 76 66 66 66 56 56 46 46 36 36 36 26 26 16 16 16 06 06 95 95 85 85 95 08 97 97 87 87 77 77 77 67 67 67 57 57 47 47 37 37 37 27 27 17 17 07 07 07 96 96 86 86 86 76 76 66 66 66 56 56 46 46 46 36 36 26 26 16 16 16 06 06 95 95 06 08 08 97 97 87 87 87 77 77 67 67 67 57 57 47 47 47 37 37 27 27 27 17 17 07 07 07 96 96 86 86 86 76 76 66 66 56 56 56 46 46 46 36 36 26 26 26 16 16 06 06 16 18 08 08 97 97 97 87 87 77 77 77 67 67 57 57 57 47 47 37 37 37 27 27 27 17 17 07 07 07 96 96 86 86 86 76 76 66 66 66 56 56 56 46 46 36 36 36 26 26 16 16 26 18 18 08 08 97 97 97 87 87 87 77 77 67 67 67 57 57 57 47 47 37 37 37 27 27 27 17 17 07 07 07 96 96 86 86 86 76 76 76 66 66 56 56 56 46 46 46 36 36 26 26 36 28 18 18 08 08 08 97 97 97 87 87 77 77 77 67 67 67 57 57 47 47 47 37 37 37 27 27 27 17 17 07 07 07 96 96 96 86 86 76 76 76 66 66 66 56 56 46 46 46 36 36 46 28 28 18 18 18 08 08 97 97 97 87 87 87 77 77 77 67 67 67 57 57 47 47 47 37 37 37 27 27 27 17 17 07 07 07 96 96 96 86 86 86 76 76 76 66 66 56 56 56 46 46 56 38 28 28 18 18 18 08 08 08 97 97 97 87 87 87 77 77 77 67 67 67 57 57 47 47 47 37 37 37 27 27 27 17 17 17 07 07 07 96 96 96 86 86 76 76 76 66 66 66 56 56 66 38 38 28 28 28 18 18 18 08 08 08 97 97 97 87 87 87 77 77 77 67 67 67 57 57 57 47 47 37 37 37 27 27 27 17 17 17 07 07 07 96 96 96 86 86 86 76 76 76 66 66 76 48 38 38 38 28 28 28 18 18 18 08 08 08 97 97 97 87 87 87 77 77 77 67 67 67 57 57 57 47 47 47 37 37 37 27 27 27 17 17 17 07 07 07 96 96 96 86 86 86 76 76 86 48 48 38 38 38 28 28 28 18 18 18 08 08 08 08 97 97 97 87 87 87 77 77 77 67 67 67 57 57 57 47 47 47 37 37 37 27 27 27 27 17 17 17 07 07 07 96 96 96 86 86 96 58 48 48 48 38 38 38 28 28 28 18 18 18 08 08 08 08 97 97 97 87 87 87 77 77 77 67 67 67 67 57 57 57 47 47 47 37 37 37 27 27 27 17 17 17 17 07 07 07 96 96 07 58 58 48 48 48 48 38 38 38 38 28 28 18 18 18 18 08 08 08 97 97 97 87 87 87 87 77 77 77 67 67 67 67 57 57 57 47 47 47 37 37 37 27 27 27 27 17 17 17 07 07 17 68 58 58 58 48 48 48 38 38 38 38 28 28 28 18 18 18 18 08 08 08 97 97 97 97 87 87 87 77 77 77 77 67 67 67 57 57 57 47 47 47 47 37 37 37 27 27 27 27 17 17 27 68 68 58 58 58 58 48 48 48 48 38 38 38 28 28 28 28 18 18 18 08 08 08 08 97 97 97 87 87 87 87 77 77 77 67 67 67 67 57 57 57 57 47 47 47 37 37 37 37 27 27 37 78 68 68 68 58 58 58 58 48 48 48 48 38 38 38 28 28 28 28 18 18 18 18 08 08 08 97 97 97 97 87 87 87 87 77 77 77 77 67 67 67 57 57 57 57 47 47 47 47 37 37 47 78 78 68 68 68 68 58 58 58 58 48 48 48 48 38 38 38 38 28 28 28 28 18 18 18 18 08 08 08 97 97 97 97 87 87 87 87 77 77 77 77 67 67 67 67 57 57 57 57 47 47 57 88 78 78 78 78 68 68 68 68 58 58 58 58 48 48 48 48 38 38 38 38 28 28 28 28 18 18 18 18 08 08 08 08 97 97 97 97 87 87 87 87 77 77 77 77 67 67 67 67 57 57 67 88 88 88 78 78 78 78 68 68 68 68 58 58 58 58 48 48 48 48 38 38 38 38 28 28 28 28 28 18 18 18 18 08 08 08 08 97 97 97 97 87 87 87 87 77 77 77 77 67 67 67 77 98 88 88 88 88 78 78 78 78 68 68 68 68 68 58 58 58 58 48 48 48 48 38 38 38 38 38 28 28 28 28 18 18 18 18 08 08 08 08 08 97 97 97 97 87 87 87 87 77 77 77 87 98 98 98 88 88 88 88 78 78 78 78 78 68 68 68 68 58 58 58 58 58 48 48 48 48 48 38 38 38 38 28 28 28 28 28 18 18 18 18 08 08 08 08 08 97 97 97 97 87 87 87 97 09 98 98 98 98 88 88 88 88 88 78 78 78 78 78 68 68 68 68 68 58 58 58 58 48 48 48 48 48 38 38 38 38 38 28 28 28 28 28 18 18 18 18 08 08 08 08 08 97 97 97 08 09 09 09 98 98 98 98 98 88 88 88 88 88 78 78 78 78 78 68 68 68 68 68 58 58 58 58 58 48 48 48 48 48 38 38 38 38 38 28 28 28 28 28 18 18 18 18 18 08 08 08 18 19 09 09 09 09 09 98 98 98 98 88 88 88 88 88 88 78 78 78 78 78 78 68 68 68 68 68 58 58 58 58 58 48 48 48 48 48 38 38 38 38 38 38 28 28 28 28 28 18 18 18 28 19 19 19 09 09 09 09 09 09 98 98 98 98 98 88 88 88 88 88 88 78 78 78 78 78 78 68 68 68 68 68 58 58 58 58 58 58 48 48 48 48 48 38 38 38 38 38 38 28 28 28 38 29 19 19 19 19 19 09 09 09 09 09 09 98 98 98 98 98 98 88 88 88 88 88 88 78 78 78 78 78 78 68 68 68 68 68 68 58 58 58 58 58 58 48 48 48 48 48 48 38 38 38 48 29 29 29 29 19 19 19 19 19 19 09 09 09 09 09 09 98 98 98 98 98 98 88 88 88 88 88 88 88 78 78 78 78 78 78 68 68 68 68 68 68 58 58 58 58 58 58 48 48 48 48 58 39 29 29 29 29 29 29 19 19 19 19 19 19 19 09 09 09 09 09 09 09 98 98 98 98 98 98 88 88 88 88 88 88 88 78 78 78 78 78 78 78 68 68 68 68 68 68 58 58 58 58 68 39 39 39 39 29 29 29 29 29 29 29 19 19 19 19 19 19 19 09 09 09 09 09 09 09 09 98 98 98 98 98 98 98 88 88 88 88 88 88 88 78 78 78 78 78 78 78 68 68 68 68 78 49 39 39 39 39 39 39 39 29 29 29 29 29 29 29 29 19 19 19 19 19 19 19 19 09 09 09 09 09 09 09 98 98 98 98 98 98 98 98 88 88 88 88 88 88 88 88 78 78 78 78 88 49 49 49 49 49 39 39 39 39 39 39 39 39 29 29 29 29 29 29 29 29 19 19 19 19 19 19 19 19 19 09 09 09 09 09 09 09 09 98 98 98 98 98 98 98 98 88 88 88 88 88 98 59 49 49 49 49 49 49 49 49 49 39 39 39 39 39 39 39 39 39 29 29 29 29 29 29 29 29 29 19 19 19 19 19 19 19 19 19 09 09 09 09 09 09 09 09 09 98 98 98 98 98 09 59 59 59 59 59 59 49 49 49 49 49 49 49 49 49 49 39 39 39 39 39 39 39 39 39 39 29 29 29 29 29 29 29 29 29 29 19 19 19 19 19 19 19 19 19 19 09 09 09 09 09 19 69 59 59 59 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 49 49 49 49 39 39 39 39 39 39 39 39 39 39 39 29 29 29 29 29 29 29 29 29 29 29 19 19 19 19 19 19 29 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 49 49 49 49 49 49 39 39 39 39 39 39 39 39 39 39 39 39 29 29 29 29 29 29 29 39 79 69 69 69 69 69 69 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 49 49 49 49 49 49 49 39 39 39 39 39 39 39 39 49 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 49 49 59 89 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 59 69 89 89 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 69 69 69 69 79 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 79 89 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 99 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 05 94 84 74 64 54 44 34 24 14 04 93 83 73 63 53 43 33 23 13 03 92 82 72 62 52 42 32 22 12 02 91 81 71 61 51 41 31 21 11 01 9 8 7 6 5 4 3 2 1 141 PERSONAL INJURY BENEFITS A-35 REG 3 A 54 54 44 34 24 24 14 04 93 93 83 73 63 63 53 43 33 33 23 13 03 03 92 82 72 72 62 74 64 54 54 44 34 24 24 14 04 93 93 83 73 63 63 53 43 43 33 23 13 13 03 92 82 82 72 84 74 74 64 54 54 44 34 24 24 14 04 04 93 83 73 73 63 53 43 43 33 23 23 13 03 92 92 82 05 94 84 74 74 64 54 54 44 34 24 24 14 04 04 93 83 83 73 63 53 53 43 33 33 23 13 03 03 92 15 05 05 94 84 84 74 64 54 54 44 34 34 24 14 14 04 93 83 83 73 63 63 53 43 43 33 23 13 13 03 25 25 15 05 05 94 84 84 74 64 54 54 44 34 34 24 14 14 04 93 93 83 73 73 63 53 43 43 33 23 23 13 45 35 25 25 15 05 05 94 84 84 74 64 64 54 44 44 34 24 24 14 04 93 93 83 73 73 63 53 53 43 33 33 23 55 45 45 35 25 25 15 05 05 94 84 84 74 64 64 54 44 44 34 24 24 14 04 04 93 83 83 73 63 63 53 43 43 33 65 65 55 45 45 35 25 25 15 15 05 94 94 84 74 74 64 54 54 44 34 34 24 14 14 04 93 93 83 73 73 63 53 53 43 85 75 65 65 55 55 45 35 35 25 15 15 05 94 94 84 74 74 64 54 54 44 34 34 24 24 14 04 04 93 83 83 73 63 63 53 95 85 85 75 65 65 55 55 45 35 35 25 15 15 05 94 94 84 84 74 64 54 54 44 44 34 24 24 14 04 04 93 93 83 73 73 63 06 06 95 85 85 75 75 65 55 55 45 35 35 25 15 15 05 05 94 84 84 74 64 64 54 54 44 34 34 24 14 14 04 04 93 83 83 73 26 16 06 06 95 85 85 75 75 65 55 55 45 45 35 25 25 15 05 05 94 94 84 74 74 64 54 54 44 44 34 24 24 14 04 04 93 93 83 36 26 26 16 06 06 95 95 85 75 75 65 55 55 45 45 35 25 25 15 15 05 05 94 84 84 74 64 64 54 44 44 34 34 24 14 14 04 04 93 46 36 36 26 26 16 06 06 95 95 85 75 75 65 65 55 45 45 35 35 25 15 15 05 05 94 84 84 74 74 64 54 54 44 44 34 24 24 14 14 04 56 56 46 36 36 26 26 16 06 06 95 95 85 85 75 65 65 55 55 45 35 35 25 25 15 05 05 94 94 84 74 74 64 64 54 54 44 34 34 24 24 14 66 66 56 56 46 36 36 26 26 16 16 06 95 95 85 85 75 75 65 55 55 45 45 35 25 25 15 15 05 05 94 84 84 74 74 64 54 54 44 44 34 34 24 86 76 66 66 56 56 46 46 36 26 26 16 16 06 06 95 85 85 75 75 65 65 55 45 45 35 35 25 25 15 05 05 94 94 84 84 74 64 64 54 54 44 44 34 96 86 86 76 66 66 56 56 46 46 36 26 26 16 16 06 06 95 95 85 75 75 65 65 55 55 45 45 35 25 25 15 15 05 05 94 84 84 74 74 64 64 54 54 44 07 96 96 86 86 76 66 66 56 56 46 46 36 36 26 26 16 06 06 95 95 85 85 75 75 65 55 55 45 45 35 35 25 25 15 15 05 94 94 84 84 74 74 64 64 54 17 07 07 96 96 86 86 76 76 66 56 56 46 46 36 36 26 26 16 16 06 06 95 85 85 75 75 65 65 55 55 45 45 35 25 25 15 15 05 05 94 94 84 84 74 74 64 27 17 17 07 07 96 96 86 86 76 76 66 66 56 46 46 36 36 26 26 16 16 06 06 95 95 85 85 75 75 65 55 55 45 45 35 35 25 25 15 15 05 05 94 94 84 84 74 37 27 27 17 17 07 07 96 96 86 86 76 76 66 66 56 56 46 46 36 36 26 26 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 25 25 15 15 05 05 94 94 84 47 37 37 27 27 17 17 07 07 96 96 86 86 76 76 66 66 56 56 46 46 36 36 26 26 16 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 25 25 15 15 05 05 94 57 57 47 47 37 37 27 27 17 17 07 07 96 96 86 86 76 76 66 66 56 56 46 46 36 36 26 26 16 16 06 06 95 95 85 85 75 75 65 65 55 55 45 45 35 35 25 25 15 15 05 05 94 84 74 64 54 44 34 24 14 04 93 83 73 63 53 43 33 23 13 03 92 82 72 62 52 42 32 22 12 02 91 81 71 61 51 41 31 21 11 01 9 8 7 6 5 4 3 2 1 B 142 A-35 REG 3 PERSONAL INJURY BENEFITS 67 15 77 67 25 87 77 77 35 97 87 87 77 45 08 97 97 87 87 55 18 08 08 97 97 87 65 28 18 18 08 08 97 97 75 28 28 28 18 18 08 08 97 85 38 38 28 28 28 18 18 08 08 95 48 48 38 38 28 28 28 18 18 08 06 58 48 48 48 38 38 28 28 28 18 18 16 68 58 58 48 48 48 38 38 38 28 28 18 26 68 68 68 58 58 48 48 48 38 38 38 28 28 36 78 78 68 68 68 58 58 58 48 48 38 38 38 28 46 88 78 78 78 68 68 68 58 58 58 48 48 48 38 38 56 88 88 88 78 78 78 68 68 68 58 58 58 48 48 48 38 66 98 98 88 88 88 78 78 78 68 68 68 58 58 58 48 48 48 76 09 98 98 98 88 88 88 88 78 78 78 68 68 68 58 58 58 48 86 09 09 09 98 98 98 98 88 88 88 78 78 78 68 68 68 58 58 58 96 19 19 09 09 09 09 98 98 98 88 88 88 78 78 78 78 68 68 68 58 07 29 19 19 19 09 09 09 09 98 98 98 88 88 88 88 78 78 78 68 68 68 17 29 29 29 19 19 19 09 09 09 09 98 98 98 98 88 88 88 78 78 78 78 68 27 39 29 29 29 29 19 19 19 19 09 09 09 98 98 98 98 88 88 88 88 78 78 78 37 39 39 39 29 29 29 29 19 19 19 19 09 09 09 09 98 98 98 98 88 88 88 88 78 47 49 49 39 39 39 39 29 29 29 29 19 19 19 19 09 09 09 09 98 98 98 98 88 88 88 57 49 49 49 49 39 39 39 39 29 29 29 29 19 19 19 19 09 09 09 09 98 98 98 98 88 88 67 59 49 49 49 49 49 39 39 39 39 29 29 29 29 19 19 19 19 19 09 09 09 09 98 98 98 98 77 59 59 59 59 49 49 49 49 39 39 39 39 39 29 29 29 29 19 19 19 19 19 09 09 09 09 98 98 87 69 59 59 59 59 59 49 49 49 49 39 39 39 39 39 29 29 29 29 29 19 19 19 19 19 09 09 09 09 97 97 87 77 67 57 47 37 27 17 07 96 86 76 66 56 46 36 26 16 06 95 85 75 65 55 45 35 25 15 143 PERSONAL INJURY BENEFITS A-35 REG 3 23 Aug 2002 SR 70/2002 s12; 24 Aug 2007 SR 73/2007 s14. 69 69 69 59 59 59 59 59 49 49 49 49 49 39 39 39 39 39 29 29 29 29 29 19 19 19 19 19 09 09 08 69 69 69 69 69 59 59 59 59 59 49 49 49 49 49 49 39 39 39 39 39 29 29 29 29 29 19 19 19 19 19 18 79 79 69 69 69 69 69 69 59 59 59 59 59 49 49 49 49 49 49 39 39 39 39 39 29 29 29 29 29 29 19 19 28 79 79 79 79 79 69 69 69 69 69 69 59 59 59 59 59 49 49 49 49 49 49 39 39 39 39 39 39 29 29 29 29 29 38 79 79 79 79 79 79 79 69 69 69 69 69 69 69 59 59 59 59 59 49 49 49 49 49 49 39 39 39 39 39 39 29 29 29 48 89 89 89 79 79 79 79 79 79 79 69 69 69 69 69 69 69 59 59 59 59 59 49 49 49 49 49 49 49 39 39 39 39 39 39 58 89 89 89 89 79 79 79 79 79 79 79 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 39 39 39 68 99 89 89 89 89 89 89 79 79 79 79 79 79 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 49 49 49 49 49 49 49 78 99 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 49 49 49 49 88 99 99 99 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 59 59 59 59 59 59 59 59 59 98 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 69 59 59 59 59 09 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 69 69 69 69 69 19 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 79 79 69 69 69 69 69 69 29 001 99 99 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 79 79 79 79 79 39 001 001 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 79 79 79 79 79 79 79 79 49 001 001 001 001 001 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 89 59 001 001 001 001 001 001 001 001 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 89 89 89 89 89 89 89 89 89 89 89 89 69 001 001 001 001 001 001 001 001 001 001 001 001 001 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 79 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 99 89 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 001 99 99 89 79 69 59 49 39 29 19 09 98 88 78 68 58 48 38 28 18 08 97 87 77 67 57 47 37 27 17 07 96 86 76 66 56 46 36 26 16 06 95 85 75 65 55 45 35 25 15 144 A-35 REG 3 PERSONAL INJURY BENEFITS Appendix D Grid A. Evaluation Grid of Required Functional Activities Application 1(1) If an insured is entitled to a benefit pursuant to section 156 of the Act, the insured shall be entitled to the weekly amount calculated pursuant to Grid A. (2) Subject to the market factor as indicated in Grid A, the maximum benefit amount available for assistance pursuant to Grid A is $914. 24 Aug 2007 SR 73/2007 s15; 7 May 2021 SR 43/2021 s13. Functional Activities 2(1) For the purposes of Grid A, the following definitions apply: (a) “arising from bed” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to get into and get out of bed; (b) “bathing” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to wash, rinse and dry his or her body in a tub, shower or by taking a sponge or bed bath; (c) “bladder control” means the physical ability of the insured to relieve his or her bladder; (d) “bowel control” means the physical ability of the insured to relieve his or her bowel; (e) “clean up after meals” the physical ability of the insured, or the insured’s requirement to have verbal cuing, to clear the table, do the dishes and put away the dishes after a meal; (f) “dressing” the physical ability of the insured, or the insured’s requirement to have verbal cuing, to dress and undress himself or herself; (g) “feeding” means, once the meal is presented in a customary manner, the physical ability of an insured, or the insured’s requirement to have verbal cuing, to use utensils to feed himself or herself; (h) “functional ability” means the ability of the insured to function alone without supervision due to a physical limitation resulting from the accident, as opposed to any cognitive limitation; (i) Repealed. 7 May 2021 SR 43/2021 s13. (j) “grooming” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to wash his or her hands and face, to shave, groom hair, apply make-up and maintain his or her personal hygiene; 145 PERSONAL INJURY BENEFITS A-35 REG 3 (k) “heavy housekeeping” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to carry out the following heavy household duties: (i) vacuuming; (ii) taking out garbage; (iii) changing bed sheets; (iv) cleaning curtains; (v) washing floors, walls and windows; (vi) cleaning bathrooms; (vii) cleaning appliances; (l) “laundry” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to carry a basket of clothes and to wash, dry, fold, iron and pack away laundered items; (m) “light housekeeping” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to carry out the following light household duties: (i) sweeping or vacuuming uncarpeted floors; (ii) dusting; (iii) making beds; (iv) maintaining general tidiness; (n) “meal preparation” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to prepare three meals per day; (o) “mobility” means the physical ability of the insured to transfer himself or herself into or out of a vehicle or a wheelchair; (p) “purchasing supplies” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to purchase and unload needed household supplies, groceries, cleaning products, clothes, hardware and required equipmen; (q) “taking medication” means the physical ability of the insured to routinely administer oral or topical medication as he or she requires; (r) “toileting” means the physical ability of the insured to transfer to the toilet or use a bedpan or urinal and to maintain perineal hygiene; (s) “transportation” means the physical ability of the insured to use transportation when necessary; 146 A-35 REG 3 PERSONAL INJURY BENEFITS (t) “yard work” means the physical ability of the insured, or the insured’s requirement to have verbal cuing, to complete the following tasks: (i) planting, maintaining and harvesting a garden; (ii) maintaining and caring for a lawn and trees or shrubs; (iii) shovelling snow; (iv) gathering firewood if firewood is used as the primary means of heating an insured’s principal residence. (2) For the purpose of Grid A, an insured is deemed to be completely independent if he or she can complete the tasks set out in Grid A without assistance or with the use of specialized equipment. (3) In determining the designation to be assigned to an insured who has sustained a disability, the following designations apply: (a) a designation that the insured is “completely dependent” means the insured requires assistance with 90 to 100% of the activity or task being performed; (b) an “a” designation means the insured requires assistance with less than 90% but 75% or more of the activity or task being performed; (c) a “b” designation means the insured requires assistance with less than 75% but 50% or more of the activity or task being performed; (d) a “c” designation means the insured requires assistance with less than 50% but 25% or more of the activity or task being performed. (4) In evaluating whether an insured requires assistance in Grid A, the following designations apply: (a) an “A” designation means that the insured is: (i) completely independent; or (ii) requires assistance with less than 25% of the activity or task being performed; (b) a “B” designation means that assistance is not required as a result of the insured’s age; (c) a “C” designation means that assistance is provided by a health care facility or program; (d) a “D” designation means that assistance is covered by an integration facility; (e) an “E” designation means that the insured did not do this task or activity before the accident; (f) a “F” designation means that assistance is not required for other reasons that the insurer considers reasonable. 147 PERSONAL INJURY BENEFITS A-35 REG 3 (5) In calculating the amount payable pursuant to Grid A, the insurer shall adjust the amount payable for each prescribed task identified in Grid A by the percentage the insured did not perform or complete the whole task by himself or herself before the date of the accident. (6) If the insured is entitled to a living assistance benefit for any or all of the following activities, the insurer shall apply a market factor to each activity: (a) heavy housekeeping; (b) light housekeeping; (c) yard work.

(7) The market factor mentioned in subsection (6) that is applied to heavy housekeeping, light housekeeping or yard work must be calculated according to the following formula: (A x B) = Market Factor Y where: A is the following average number of hours required to complete the activity: (a) 1.155 hours per week for heavy housekeeping; (b) 1.155 hours per week for light housekeeping; (c) 1.19 hours per week for yard work; B is the following average hourly rate charged in Saskatchewan to obtain services for the activity: (d) $38.89 for heavy housekeeping; (e) $38.89 for light housekeeping; (f) $42.30 for yard work; (A × B) is the weekly dollar amount required to obtain services for the activity; and Y is the weekly amount calculated in accordance with Grid A, under the column titled ‘Completely Dependent’, for each of heavy housekeeping, light housekeeping or yard work. (8) The average hourly rates for heavy housekeeping, light housekeeping and yard work mentioned in subsection (7) must be adjusted on January 1 of each year in accordance with Division 10 of Part VIII of the Act. 148 A-35 REG 3 PERSONAL INJURY BENEFITS GRID A Partially Completely Does Not Apply Activity Dependent Dependent a b c A B C D E F Arising from bed 1 Caregiver required 3 2 1.5 1 2 Caregivers required 6 4.5 3 1.5 Dressing 3 2 1.5 1 Bathing 3 2 1.5 1 Grooming 2 1.5 1 0.5 Toileting 5 4 2.5 1 Bladder Control 4 3 2 1 Bowel Control 4 3 2 1 Feeding 12 9 6 3 Taking medication 1 1 0.5 0.5 Mobility 2 1.5 1 0.5 Functional 4 3 2 1 Clean up after meals 1 1 0.5 0.5 Meal preparation Breakfast 1 1 0.5 0.5 Lunch 2 1.5 1 0.5 Supper 2 1.5 1 0.5 Laundry 2 1.5 1 0.5 Light housekeeping × (Market Factor) < 140m2 (1,500 sq. ft.) 1 1 0.5 0.5 > 140m2 (1,500 sq. ft.) 2 1.5 1 0.5 Heavy housekeeping × (Market Factor) < 140m2 (1,500 sq. ft.) 1 1 0.5 0.5 > 140m2 (1,500 sq. ft.) 2 1.5 1 0.5 Yard work × (Market Factor) yard is < 4046m2 (1 acre) 1 1 0.5 0.5 yard is > 4046m2 (1 acre) 2 1.5 1 0.5 Purchasing Supplies 5 4 2.5 1 Transportation 6 4.5 3 1.5 Total 71 24 Aug 2007 SR 73/2007 s15; 7 May 2021 SR 43/2021 s13. 149 PERSONAL INJURY BENEFITS A-35 REG 3 Grid B. Evaluation Grid of Required Cognitive Activities Application 1(1) An insured is entitled to a weekly amount calculated pursuant to Grid B if: (a) the insured is entitled to a benefit pursuant to section 156 of the Act; and (b) the insured is diagnosed with an impairment pursuant to Division 2, Subdivision 1, Part 4 of Appendix B. (2) The maximum benefit amount available for assistance pursuant to Grid B is $644. 24 Aug 2007 SR 73/2007 s15; 7 May 2021 SR 43/2021 s13. Using Grid B 2(1) In determining a designation for the purpose of Grid B, the following are the activities being measured: (a) “attention”, being the insured’s cognitive ability to concentrate, deal with distractions, switch his or her attention between various tasks and activities and recall or reproduce what has been learnt prior to and subsequent to the accident. The evaluation focuses on two aspects only: (i) if the insured requires supervision as a result of difficulty with his or her memory in recalling or reproducing information that the insured has previously learnt or been told; and (ii) if the insured requires supervision or assistance with verbal cues to stay focused on the activity or task he or she is engaged in performing; (b) “behaviour”, being how an insured feels and acts as a result of the injury. The evaluation focuses only on the following: (i) if the insured requires supervision as a result of depression or an inability to initiate activities; (ii) if the insured requires supervision as a result of depression or an inability to complete activities; (iii) if the insured requires supervision in consequence of inappropriate behavioural outbursts; and (iv) if the insured requires supervision as he or she is violent to persons or property; (c) “communication”, being whether assistance is required to enable the insured to: (i) express himself or herself verbally using gestures or sounds and in writing; and (ii) understand simple orders and directions, both written and oral, required for daily living; 150 A-35 REG 3 PERSONAL INJURY BENEFITS (d) “financial management”, being whether supervision is required to assist the insured with accessing bank accounts, paying bills and managing his or her financial affairs; (e) “organization”, being the insured’s planning and organizational skills and cognitive ability to plan, develop, coordinate and oversee various tasks and activities. The evaluation focuses on the following only: (i) if the insured requires supervisory assistance in keeping himself or herself organized including completing a daytimer or activity list; (ii) if the insured requires supervisory assistance making and keeping appointments; (iii) if the insured requires supervisory assistance with planning menus, organizing groceries, following recipes and completing multiple tasks required for meal preparation; (iv) if the insured requires supervisory assistance with school or home therapy assignments including completing assignments and studying; (f) “safety”, being the insured’s cognitive ability to evaluate and avoid impulsive or risky behaviours that could cause him or her injury. The evaluation focuses on two areas only: (i) the insured’s ability to address immediate dangers including turning off a stove or element, crossing a street, using electrical or gas-operated equipment; (ii) the insured’s ability to take his or her medication as required. (2) In determining the designation to be assigned to an insured who has sustained a disability, the following designations apply: (a) a designation that the insured is “completely dependent” means the insured requires supervision or assistance with 90 to 100% of the activity or task being performed; (b) an “a” designation means the insured requires supervision or assistance with less than 90% but 75% or more of the activity or task being performed; (c) a “b” designation means the insured requires supervision or assistance with less than 75% but 50% or more of the activity or task being performed; (d) a “c” designation means the insured requires supervision or assistance with less than 50% but 25% or more of the activity or task being performed. (3) In evaluating whether the insured requires assistance in Grid B, the following designations apply: (a) an “A” designation means that the insured is: (i) completely independent; or (ii) requires supervisory assistance with less than 25% of the activity or task being performed; 151 PERSONAL INJURY BENEFITS A-35 REG 3 (b) a “B” designation means that assistance is not required as a result of the insured’s age; (c) a “C” designation means that assistance is provided by a health care facility or program; (d) a “D” designation means that assistance is covered by an integration facility; (e) an “E” designation means that the insured did not do this task or activity before the accident; (f) a “F” designation means that assistance is not required for other reasons that the insurer considers reasonable. (4) In calculating the amount payable pursuant to Grid B, the insurer shall adjust the amount payable for each prescribed task identified in Grid B by the percentage the insured did not perform or complete the whole task by himself or herself before the date of the accident. 152 A-35 REG 3 PERSONAL INJURY BENEFITS GRID B Partially Constant Activity Attention/ Does Not Apply Attention Supervision a b c A B C D E F 1. Attention Therapeutic techniques 5 4 3 2 Staying on task 6 5 3 2 2. Behaviour Initiating activities 6 5 3 2 Completing activities 6 5 3 2 Irritability outbursts 6 5 3 2 Physical violence 8 6 4 2 3. Communication 4 3 2 1 4. Financial 3 2 1 .5 management 5. Organization Activity list daytimer 3 1.5 1 .5 Keeping appointments 4 3 2 1 Meals 3 2 1 1 Homework 7 5 4 2 6. Safety Concerns Risky or impulsive behaviour 8 6 4 2 Taking medication 1 1 1 1 Total 70 24 Aug 2007 SR 73/2007 s15. REGINA, SASKATCHEWAN Printed by the authority of THE KING’S PRINTER Copyright©2024