Announcement of Catastrophic Impairment Expert Panel Members

The Financial Services Commission of Ontario (FSCO) is establishing a Catastrophic Impairment Expert Panel to review and make recommendations on the definition of "catastrophic impairment" set out in the automobile insurance regulations.  In addition to reviewing the definition of catastrophic impairment, the panel will recommend qualifications and experience requirements for health professionals who conduct catastrophic impairment assessments. 


Following an invitational Request for Proposals, Dr. Pierre Côté was selected to chair the Expert Panel. 

Striking an expert panel to review the definition of catastrophic impairment, set out in the Statutory Accident Benefits Schedule (a regulation under the Insurance Act), was one of the elements of the Ontario Government’s 2010 automobile insurance reforms.   


Today, FSCO is announcing the members of the Expert Panel. The Expert Panel comprises of clinical and academic professionals with varying specialties and backgrounds.


FSCO will keep stakeholders informed on the progress of the Expert Panel’s work, as well as decisions and milestones reached, on its public website and through the Auto Insurance Reforms Newsletter. In addition, once the Expert Panel presents its recommendations to FSCO, the Superintendent will be conducting consultations with all stakeholders before making any final recommendations to the Government.


It is expected that the Expert Panel will complete its review and make recommendations to FSCO by early Spring 2011.


In addition to Dr. Côté, the Expert Panel members are:


Arthur Ameis, M.D.
Toronto, Ontario


  • Certified as a Fellow of the Royal College of Physicians and Surgeons of Canada in the specialty of Physical Medicine and Rehabilitation (Physiatry), and holds the corresponding Diplomate and Fellowship (i.e., Specialty Board Certified) status in the United States as a Physiatrist; and in addition U.S. Sub-Specialty Board Certification in Pain Medicine
  • Permitted to provide expert medical opinion evidence in his specialty in FSCO arbitrations, and before the Courts in Ontario, New Brunswick and Newfoundland, and also permitted to provide expert medical opinion evidence concerning the use of the AMA Guides and the application of impairment findings to the SABS definitions of catastrophic impairment in FSCO arbitrations and Ontario Superior Court trials
  • Actively involved in development and implementation of projects involving the adaptation of Telemedicine to both medicolegal assessments and disability management
  • Served as representative of the Ontario Medical Association, and as Vice-Chair, Minister’s Committee on the DAC System
  • Was a founding member and past president of the Canadian Society of Medical Evaluators, and remains active on the Board
  • Serves on the Executive of the Ontario Medical Association Section on Physiatry
  • Serves on the Teaching Faculty, University of Montreal Faculty of Medicine certification program on Insurance Medicine and MedicoLegal Expertise
  • Served on the Continuing Medical Education Committee, MedicoLegal Society of Toronto, and currently mentors on its HPARB Advocacy Project


Linda Carroll, Ph.D.
Clinical Psychology/Epidemiology
Edmonton, Alberta


  • Practiced clinical psychology at Royal University Hospital, Saskatoon, SK (1983-1999)
  • Clinical experience includes assessment and rehabilitation of patients with acquired brain injuries, chronic pain, PTSD, anxiety, depression and other health and mental health problems
  • Teaches doctoral level course in advanced epidemiology methods at the University of Alberta, and has also taught doctoral level epidemiology courses at Karolinska Institute in Stockholm, Sweden
  • Visiting Professor at the Occupational and Industrial Orthopaedic Center, New York University (Sept 2009 - July 2010)
  • Research focus - psychosocial consequences of injuries and psychosocial prognostic factors for recovery from injuries
  • Core member of two international, multidisciplinary Task Forces:
    • systematic search, critical review and best evidence synthesis of the world literature on mild traumatic brain injury (The WHO Collaborating Centre Task Force on Mild Traumatic Brain Injuries)
    • systematic search, critical review and best evidence synthesis of the world literature on non-specific neck pain, including whiplash-associated disorders (The Bone and Joint Decade 2000-2010 Task Force on Neck Pain and Its Associated Disorders) (as Scientific Secretary of the task force and Scientific Editor of the report)
  • Served as Epidemiology Consultant to the Alberta Department of Finance (Insurance Branch) (past two years)
  • Consulted on a project to develop clinical practice guidelines for occupational health departments in several branches of the US Navy


J. David Cassidy, Ph.D., Dr.Med.Sci.
Senior Scientist, Epidemiology
Toronto, Ontario


  • Senior scientist at the Division of Health Care and Outcomes Research at the Toronto Western Research Institute, Toronto Western Hospital, a Professor in the Division of Epidemiology at the Dalla Lana School of Public Health at the University of Toronto, a Professor in the Department of Health Policy, Management and Evaluation, Faculty of Medicine, University of Toronto, and an honorary professor at the University of Southern Denmark
  • Holds doctoral degrees in pathology (University of Saskatchewan) and injury epidemiology (Karolinska Institute, Sweden)
  • Published over 200 research papers and chapters in textbooks
  • Research focus - injury epidemiology and evidence-based health care and policy
  • Scientific secretary for the WHO Collaborating Centre Task Force on Mild Traumatic Brain Injury that published its best evidence synthesis as a supplement to the Journal of Rehabilitation Medicine (February 2004)
  • Active in neurotrauma research and policy making


Ronald Kaplan, Ph.D., C. Psych.
Hamilton, Ontario


  • Competence in clinical, rehabilitation, neuropsychology, and child psychology, and neuropsychological child psychology
  • Carries out psychological assessment and treatment, supervises a staff of 15 clinicians, and carries out psychological and multidisciplinary assessments and frequently testifies at arbitrations and court
  • Published in the areas of chronic insomnia, neurohormones in schizophrenia, metabolic brain imaging in schizophrenia (positron emission tomography), and neuropsychology of schizophrenia
  • Full-time faculty member in the Department of Psychiatry at McMaster University; 1975-1993
  • Director (1982-1987) and past president of the Hamilton Medical-Legal Society
  • Co-chairman of the Ontario Psychological Association Task Force on Auto Insurance;1989-present
  • Appointed by the Minister of Finance to the Accident Benefits Advisory Committee for Bill 164; 1994
  • Appointed by the Minister of Finance in 1997 to be a member of the Minister’s Committee on the DAC System for Bill 59; 1997-2001


Michel Lacerte, M.D.
London, Ontario

  • Certified by the Royal College of Physicians and Surgeons of Canada and by the American Board of Physical Medicine and Rehabilitation
  • Currently an Associate Professor with the Department of Physical Medicine & Rehabilitation at the University of Western Ontario (UWO), Schulich School of Medicine and Dentistry; and Associate Director of the Insurance Medicine and Medicolegal Expertise Diploma Program at the Université de Montréal
  • Experienced in the use and interpretation of the American Medical Association Guides 4th Edition for the purpose of catastrophic impairment determinations as the operator of DAC 3010 (Southwest Ontario)
  • Provided training in the use of the 5th and 6th Editions of the AMA Guides
  • Former chair of the American Academy of Physical Medicine and Rehabilitation Pain Rehabilitation Special Interest Group
  • Serves on the International and the Canadian Chapter Board of Directors of the International Association of Rehabilitation Professionals
  • Co-authored four books on disability management and medicolegal issues and runs an active clinical practice in London, Ontario


Patrick Loisel, M.D.
Orthopedic Surgeon, Professor
Toronto, Ontario


  • Professor at the Dalla Lana School of Public Health of the University of Toronto and researcher in the Division of Orthopaedics at the University Health Network
  • heads a team of the 30 researchers/mentors of the Work Disability Prevention CIHR Strategic Training Program, a unique worldwide training program for researchers in work disability prevention
  • work is dedicated to research and evidence implementation in the field of work disability prevention for musculoskeletal disorders
  • developed, tested and applied in the community an evidence-based work disability management program, the Sherbrooke model, linking clinical and workplace interventions, demonstrating for the first time the specific effectiveness and cost-effectiveness of workplace interventions for back pain disability
  • has authored many publications and presentations in the work disability prevention field


Peter Rumney, M.D.
Toronto, Ontario


  • Physician Director, Brain Injury Rehabilitation Team, Holland Bloorview Rehabilitation Hospital
  • Assistant professor in Paediatrics at University of Toronto
  • Member of Acquired Brain Injury Program, Paediatric Subcommittee to Ministry of Health and past member of Board of Directors of Ontario Neuro Trauma Foundation
  • Co-Winner of Post Core Resident Teaching Award, June 1986
  • Resource Person: Resident Representative at The Hospital for Sick Children, 1986-1987
  • 1995 Professional of the Year, the Lloyd Loynes Award Presented by OBIA Board of Directors
  • Membership with the following: Fellow of the Royal College of Physicians and Surgeons, Canada; Canadian Medical Association; Ontario Medical Association; Canadian Medical Protective Association; Canadian Paediatric Society; Brain Injury Association of Toronto; Ontario Brain Injury Association; Metro ABI Network, Clinical Database Working Group (Past Chair)

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