ICBC Changes to Accident Benefits (part two)

ICBC Coverage Changes for Chiropractic: 

In February of 2018 ICBC announced that they would be making significant improvements to their accident benefits, the first change since 1991. We want to help you understand how these changes apply to chiropractic care.

Recently, we posted about the new Accident Benefits coverage plan. This week we will be sharing more about what constitutes a minor injury, what happens if you need more than the pre-approved number of visits, and providing you with some resources. It is also important to note that Accident Benefits extends to anyone injured in an accident, regardless of fault.

 

What is a minor injury according to ICBC:

Minor injury, as outlined by ICBC, includes:

  • abrasion
  • concussion that does not result in an incapacity beyond 16 weeks
  • contusion
  • aceration
  • pain syndrome
  • psychological and psychiatric conditions that do not result in an incapacity beyond 16 weeks
  • strain
    • The regulation includes 1st and 2nd degree strains but excludes the more serious 3rd
      degree injury.
  • sprain
    • The regulation includes 1st and 2nd degree sprains but excludes the more serious 3rd
      degree injury.
  • temporomandibular joint disorder (TMJ)
  • whiplash associated disorder (WAD)
    • The regulation includes whiplash associated disorder (WAD) I or II, but excludes WAD III
      or IV, which involve neurological symptoms, fractures or dislocations of the spine.

The new ICBC Accident Benefits coverage for chiropractic is the same for minor and non-minor injuries.

 

What if I need more than the pre-approved number of visits?

Your chiropractor may decide that you require additional treatments during the 12 weeks and can apply for an extension. By having pre-approved care in the first 12 weeks post accident those injured from an accident can get on the road to recovery faster and ICBC recognizes that this road to recovery may be longer for some, that is why they have the extension option available.