Traumatic
brain injuries can occur as a result of many unfortunate and unexpected
accidents. These include but are not limited to sporting accidents, slips,
trips and falls, assaults, and motor vehicle accidents.
In Ontario,
individuals who suffer a brain injury as a result of motor vehicle accident are
usually able to access benefits through their own auto insurance company to
help with their recovery. These benefits can include medical and rehabilitation
benefits, attendant care benefits, income replacement benefits, and
others. For those who have been very
seriously injured in car accidents, the benefit limits may be as high as
$1,000,000 for med/rehab and $1,000,000 for attendant care if it is confirmed
that the injured person is catastrophically impaired.
There are
several ways that a person might be declared catastrophically following a car
accident. The legislation confirms one of
the catastrophic application criteria as related to brain injury: if a person
suffers brain impairment that results in a score of 2 (vegetative) or 3
(severe disability) on the Glasgow Outcome Scale (GOS) according to a test
administered more than six months after the accident, by a person trained for
that purpose, then they will be declared catastrophically impaired.
The GOS is a test designed to
consider the outcomes of people who have suffered traumatic brain injuries. A
person who has suffered brain injury will be scored within one of the five
following categories:
- Dead
- Vegetative State
- Severely Disabled
- Moderately Disabled
- Good Recovery
As noted above, for the purposes
of pursuing a catastrophic application a person must either be found to be in a
vegetative state or to have a severe disability as a result of brain
impairment.
A vegetative state is a state in
which a person is alive, but unresponsive. This person would not be able to
speak or obey even simple commands, but may have some spontaneous actions such
as breathing, reflex responses, and eye-opening. Experience tells us that catastrophic applications
are not frequently pursued on the basis of this score as, with this
significance of the injury, there are often other, more immediate, avenues for
application available.
It is with greater frequency that
catastrophic applications are pursued on the basis of brain impairment that results
in a GOS score of 3 (severe disability). In contrast to the vegetative state
category, a person with a severe disability is conscious but requires
assistance for daily activities. The extent of the need for support can range
from total dependency to a much less significant dependency, but the score does
require that the assistance be needed on an everyday basis.
Otherwise, the moderate disability
category, a score of 4 on the GOS scale, would be applied to someone who does
not require assistance in his everyday life. This person might return to school
or work but may require accommodation.
By: Michelle Baumann








