Whole Person Injury Catastrophic Impairment Assessment Concerns | Ajodhia Legal Services


Last Updated: August 22 2026

Question:What does a whole person injury mean when deciding if someone has a catastrophic impairment under Ontario accident benefits?

Answer:A whole person injury means the insurer and decision-maker assess the total impact of your impairments on your overall bodily function and daily life, not just one symptom or body part, when determining whether the impairment meets the catastrophic impairment threshold for statutory accident benefits limits under Ontario law at the time of the auto accident.   For many claims, the key focus is whether the medical and functional effects together amount to a “catastrophic impairment” as defined and applied in the statutory accident benefits scheme, so the assessment looks at the severity and persistence across the whole person and supports (like medical reports) that explain the functional limitations.   Ajodhia Legal Services can help you understand how the whole person test and catastrophic impairment definition may apply to your situation and what evidence to gather to support your benefits, call (647) 882-8205.

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What Is Meant By a Whole Person Injury When Determining Whether a Person Suffered a Catastrophic Impairment?

A Whole Person Injury Involves the Assessment of

Note: Please contact Ajodhia Legal Services by phone at: (647) 882-8205 to discuss any specific questions that you may have.


Understanding the Catastrophic Injury Definition Applicable to Certain Statutory Accident Benefit Coverage Limits

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