ID
2024-011

Type
Policy
Sector
Auto Insurance
Status
Public comment closed
Date
Comment Due Date

Thank you for providing your feedback on FSRA’s proposed auto reforms.

The request for submissions is now closed.

We appreciate the comments and questions received to date. Your feedback will help to inform our framework; stay up to date on our newsroom. Follow us on LinkedIn and subscribe to our mailing list for quick updates.

Ontario’s Financial Services Regulator (FSRA) is conducting a review of the health service provider guidelines and frameworks. This will help make the auto insurance system more modern, efficient, and ensure consumers injured in auto accidents continue to get the care they need. As part of this review, FSRA is now consulting on three papers that set out options, which fall within FSRA’s statutory authority, to support government auto insurance reforms.

The consultation papers include:

  • The Health Service Provider (HSP) Framework Review and The Health Claims for Auto Insurance (HCAI) System Review which set out administrative and cost-efficient options to modernize the system and make it more efficient.
  • The Statutory Accident Benefits Schedule (SABS) Guidelines Review which sets out options for the Professional Services Guideline (PSG), the Attendant Care Hourly Rate Guideline (ACHRG), and the Minor Injury Guideline (MIG).

The consultation is now open and will close on November 29, 2024. Stakeholder input will be used to help inform FSRA’s auto reform review findings and recommendations to government.

Learn more:

FSRA continues to work on behalf of all stakeholders, including consumers, to ensure financial safety, fairness, and choice for everyone.

Learn more at www.fsrao.ca.

#

Before we begin, please make sure you do not include any personal or private financial information. If your inquiry does require this information be shared with us, please call us at 1-800-668-0128 or email us at [email protected] for instructions.

By submitting your content, you agree to have your materials posted on our engagement portal, used in reports and other materials prepared by Financial Services Regulatory Authority of Ontario (FSRA) that may be shared with the public. Content is moderated so that all posts are respectful and professional. The Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c.F.31, applies to all online content.

Sector Comment Date posted
Auto Insurance
[2024-011] melanie flitt - Concept Physio
I believe PSG rates should be indexed (option A) based on the CPI.
PSG fees should be reviewed every other year.
I believed that the current PSG fee schedule is affecting consumers access to care as clinics are less likely to work with auto insurance clients with compensation well below what they are charging clients privately or through EHB. I have had difficulty referring clients to other clinics for this reason.
I believe that PT and OT should be paid at the same rate as SLP providers. Why are SLP receiving almost 12% more for services when these allied health providers hold Masters degrees?
Auto Insurance
[2024-011] Kim Teggelove - Aspirerehab.ca
The fees chedule should be updated to reflect the current costs of care, ensuring that highly qualified providers are interested in working within the auto insurance sector. Access to skilled and qualified care is especially critical for individuals living with complex brain injuries (who often sustained their injuries in motor vehicle collisions), as their recovery often requires specialized expertise and comprehensive support. Ensuring providers are fairly compensated will attract more qualified providers to the field, allowing consumers to get the high level of care necessary to regain independence and improve their quality of life. Establishing a mechanism to periodically review and adjust fees will help ensure that the system keeps pace with inflation and evolving care needs.
Health Service Providers
[2024-011] Bobi Tychynski Shimoda - S.L. Hunter Speechworks
Hi there,
I am writing to offer my commentary on the lack of increases in the fee schedule for allied health providers. Our Professional Association (OSLA/CASLPA) sets fee guidelines and the current FSCO SLP rate is nearly $100/hour less than our fee guideline allows for. Companies are barely able to survive in this climate and we are seeing many experienced practicianers leaving the field for more sustainable income streams. If this continues, this will compromise client care as the more experienced and skilled clinicians will have reduced motivation to work in this environment, based on the high costs of living, particularly in Ontario.
Thanks
-Bobi
[2024-011] Kayla Colling
As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue.

First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. The Professional Service Guideline Fee Guideline is no longer compatible with market rates for professional services, causing many to leave the industry. Moreover, Regulated Professionals such as Social Workers and Psychotherapists are not currently listed, resulting in reduced rates for services at the insurer’s discretion. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care.

Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system. The $65,000.00 cap for non-catastrophically impaired clients does not suffice for serious injuries. Oftentimes this funding is exhausted within a year and there is a 1-year gap before an application can be submitted for catastrophic determination. The catastrophic determination cap should return to $2,000,000.00 as prior to 2016, again, the current amount of funding does not suffice to rehabilitate and support individuals with catastrophic injuries.

Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and real-time feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays.

Thank you for taking the time to consider this feedback. I am hopeful that these important updates will be implemented, ensuring better outcomes for both professionals and those we serve.
Health Service Providers
[2024-011] Laura Paulin - Personal Injury Occupational Therapy
Please see my letter attached detailing the concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Vino Xavier - Personal Injury Occupational Therapy
Please see my letter attached detailing the concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Stacey Bergman - Personal Injury Occupational Therapy
Please see my letter attached detailing the concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Ramann Gill - Personal Injury Occupational Therapy
Please see my letter attached detailing the concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Pooja Joshi - Personal Injury Occupational Therapy

Please see my letter attached detailing the concerns and comments that I have.
Thank you for your consideration.
Health Service Providers
[2024-011] Lindsay Gaspar - Personal Injury Occupational Therapy
Please see my letter attached detailing the concerns and comments that I have.
Thank you for your consideration.
Health Service Providers
[2024-011] Maike McCaskell - Personal Injury Occupational Therapy
Please see my letter attached detailing concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Lisa Martin - Personal Injury Occupational Therapy
Please see my letter attached detailing concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Karen Forse - Personal Injury Occupational Therapy
Please see my letter attached detailing concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Arvinder Gaya - Personal Injury Occupational Therapy
Please see my letter attached detailing concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Health Service Providers
[2024-011] Amaresh Parikshya - Personal Injury Occupational Therapy
Please see my letter attached detailing concerns and comments that I have as an occupational therapist.
Thank you for your consideration.
Auto Insurance
[2024-011] Sandra Weaver - Innovative OT
As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue.

First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. The Professional Service Guideline Fee Guideline is no longer compatible with market rates for professional services, causing many to leave the industry. Moreover, Regulated Professionals such as Social Workers and Psychotherapists are not currently listed, resulting in reduced rates for services at the insurer’s discretion. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care.

Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system. The $65,000.00 cap for non-catastrophically impaired clients does not suffice for serious injuries. Oftentimes this funding is exhausted within a year and there is a 1-year gap before an application can be submitted for catastrophic determination. The catastrophic determination cap should return to $2,000,000.00 as prior to 2016, again, the current amount of funding does not suffice to rehabilitate and support individuals with catastrophic injuries.

Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and real-time feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays.

Thank you for taking the time to consider this feedback. I am hopeful that these important updates will be implemented, ensuring better outcomes for both professionals and those we serve.
Cross Sector
[2024-011] Stephanie Anglin - Innovative Occupational Therapy Services
As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue.

First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. The Professional Service Guideline Fee Guideline is no longer compatible with market rates for professional services, causing many to leave the industry. Moreover, Regulated Professionals such as Social Workers and Psychotherapists are not currently listed, resulting in reduced rates for services at the insurer’s discretion. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care.

Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system. The $65,000.00 cap for non-catastrophically impaired clients does not suffice for serious injuries. Oftentimes this funding is exhausted within a year and there is a 1-year gap before an application can be submitted for catastrophic determination and as such I advocate for the amount to be increased to improve the health outcomes of people involved in motor vehicle accidents. The catastrophic determination cap should return to $2,000,000.00 as prior to 2016, again, the current amount of funding does not suffice to rehabilitate and support individuals with catastrophic injuries.

Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and real-time feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays.

Thank you for taking the time to consider this feedback. I am hopeful that these important updates will be implemented, ensuring better outcomes for both professionals and those we serve.
Health Service Providers
[2024-011] Nick Gurevich - FunctionAbility Rehabilitation Services
Please find attached my submission with respect to consultation on the PSG.
[2024-011] Tyler Jensen - Ontario Bar Association
Please accept the enclosed as the Ontario Bar Association's submission.
Auto Insurance
[2024-011] Lisa Carter
I am an OT that has been working in the auto sector for over 15 years. I find it shocking that we have not had a rate change in over 10 years, in addition to removing mileage from providers several years ago. There is a massive shortage of OTs in this sector and we are doing very important work that can impact the lives of these accident survivors. We are using our own cars and gas to visit clients in the community. Adjusters are often denying OCF 18 form fees, indirect treatment time and shortening our recommended service time that is making our service delivery very difficult- as we have need to follow COTO guidelines and they are often not giving us time to do it. Many companies are moving away from auto as it becomes increasingly difficult to navigate- leaving the sector short staffed in general for OTs. Clients are having to wait longer for services as a result. Please consider increasing our rates- as ALL other sectors have had increases as per inflation over 10 years. Thank you.
Auto Insurance
[2024-011] Neha Hasan Gill - Rehab First Inc.
As a professional working with individuals who have sustained serious injuries in motor vehicle accidents for the last ten years, I see firsthand the need for updates to the Form 1 Assessment, and the Professional Services Guideline. These changes are not only necessary but long overdue.

Specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care. Restricted rates in PSG, that are outdated and not in line with inflation and cost of living, are driving health are professionals out of this industry. We face a concerning shortage which is resulting in delays of the required treatment for our severely injured clients. This risks prolonging clients' recovery process and placing an increased burden on the publicly funded healthcare system.
Auto Insurance
[2024-011] SEN HOONG PHANG - Propel Physiotherapy
Hello,
Over the course of my career as a Registered Physiotherapist, I have observed clinics, clinicians, and support persons move away from providing treatment to people who have been involved in a motor-vehicle injury. This ultimately limits the access to care that people in Ontario have and increases the wait times to be seen by institutions still servicing these types injuries. Ultimately, the fee schedule from FSRA for people involved in MVAs must be updated to reflect the current landscape and economy.
Health Service Providers
[2024-011] Wanda Chen Registered Physiotherapist - Freedom In Movement Physiotherapy and Wellness
The College of Physiotherapists of Ontario ensures the standard of practice of physiotherapists in Ontario. There is no need for another regulator to overlook the quality of service physiotherapists provide for motor vehicle accident injuries. If a physiotherapist is not practicing according to the standard of practice, he or she should be reported to the College, which is equipped and mandated to protect the public with necessary procedures to ensure the standard of practice is followed. The expensive funding for independent assessments to double-check on physiotherapists' work and recommendations should be redirected to patient care. Sometimes patients need more time to recover and slowly transition back to working and normal daily chores. With proper support, patients can get stronger over time and avoid chronic pain or pain resurfacing.
Auto Insurance
[2024-011] Jackie Sinkeldam - Eramosa Physiotherapy Associates
I listened to the most recent webinar. Following this webinar I have several follow up questions or comments:
1. HCP fees need to be adjusted. They have not been reviewed since 2014. How do good quality clinics pay their HCP, when at the same time all other pay overhead is increasing. Why would we continue to see clients from this sector? The proposal to leave the fees the same should NOT be considered. We continue to loose HCP to "boutique clinics" that do not have this extra layer of paperwork. If the goal is to have great clinical care, the fees need to account for the extra time spent on paperwork so that we can appropriately compensation everyone involved.
2. It was suggested that clients ARE able to access HCP. I disagree. We are in 8 cities. MANY clinics in each city that we are in have opted out of HCAI because of HCAI fees and paperwork. We continue to service these clients after an automobile incident, however; evaluate whether it is worth the admin burden. The clinics that do NEED referrals are often the ones that continue, and not always the clinics with great clinical care. So Auto clients are NOT always getting the best care possible
3. When is the billing to Extended Health Insurance being dropped? This adds another layer of complexity
4. If FRSA is there to decrease fraudulent billing, is there data to suggest that they are finding fraudulent billing? Our audits are always a burden, and find minor admin issues, and not fraudulent billing.

If there are resources to answer any of my questions, please send to my email
thank you.
Auto Insurance
[2024-011] Miranda Mo - Miranda Mo & Associates
Summary of recommendations for the Consultation on auto reforms: As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue. First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care. Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system. Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and realtime feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays. Thank you for taking the time to consider our feedback. We are hopeful that these important updates will be implemented, ensuring better outcomes for both professionals and those we serve.
Health Service Providers
[2024-011] Kate Skeggs - Balance Rehabilitation
Summary of recommendations for the Consultation on auto reforms: As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue. First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care. Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system. Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and realtime feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays.
Auto Insurance
[2024-011] Sindhuja Ramasamy - greater toronto adjusters
Dear FSRA Team,

I hope this message finds you well. My name is Sindy Ramasamy, and I have been working in the insurance industry, specifically in claims, for almost 8 years. With my experience in the field, I have observed various challenges that drivers, insurers, and regulators face, especially as the automotive landscape continues to evolve with the rise of electric vehicles, ride-sharing, and technological advancements.

In light of these developments, I would like to propose several changes to Ontario's auto insurance policies, which may also be beneficial for consideration in provinces like Alberta, New Brunswick, and Nova Scotia. These changes would help modernize the insurance offerings to better serve today’s drivers and meet the demands of an evolving marketplace.

Key Proposals for Auto Insurance Policy Updates:

Expanded Coverage for Electric Vehicles (EVs):

Battery and Charging Station Coverage: Given the increasing adoption of electric vehicles, policies should explicitly cover risks related to EV batteries, home charging stations, and potential malfunctions.
Fuel Reimbursement (Electric Equivalent): With the growth of electric cars like Teslas, “Loss of Use” coverage should be updated to include fuel reimbursement, or its electric equivalent, during repairs.
Ride-Sharing Endorsements:

Comprehensive Ride-Sharing Coverage: As more drivers rely on ride-sharing platforms such as Uber and Lyft, a dedicated endorsement should be developed to provide clear coverage across all stages of a ride (e.g., waiting for passengers, driving to pickups, and transporting passengers).
EV-Specific Policies for Ride-Sharing: As many ride-share drivers now use electric vehicles, tailored policies addressing the higher costs of repairs and availability of parts for EVs should be considered.
Loss of Use Coverage Updates:

Expanded Options for Alternative Transportation: Loss of Use coverage should include modern transportation alternatives, such as ride-sharing services and public transportation, in addition to traditional rental vehicles.
Higher Cap for EV Rentals: Recognizing that renting an EV can be more expensive than conventional vehicles, policies should adjust their rental car reimbursement limits accordingly.
Telematics-Based Insurance:

Usage-Based Insurance (UBI): More widespread adoption of telematics could allow for premiums based on driving behavior, rewarding safe driving and reducing costs for infrequent drivers.
Data Privacy Protection: With telematics comes the need for clear rules on data privacy to ensure that the personal information collected is used responsibly and transparently.
Autonomous and Semi-Autonomous Vehicle Coverage:

Liability in Autonomous Mode: Policies should clearly define how liability is allocated when vehicles are in semi-autonomous or fully autonomous modes, particularly when accidents occur.
Product Liability for Manufacturers: As vehicle technology evolves, it may become necessary to further clarify the division of liability between drivers, manufacturers, and software providers when autonomous systems are involved in accidents.
Climate-Related Coverage:

Enhanced Coverage for Severe Weather Events: As severe weather events become more frequent due to climate change, policies should expand coverage for flood damage, hailstorms, and other weather-related risks.
Eco-Friendly Vehicle Incentives: Introducing premium discounts for hybrid and electric vehicle owners would help encourage environmentally conscious driving behaviors.
Cross-Provincial Standardization:

Harmonized Coverage Across Provinces: Since many Canadians travel or move between provinces, aligning policy standards across jurisdictions would provide greater consistency and fairness in coverage, especially for frequent travelers.
Cybersecurity for Connected Vehicles:

Cyber Attack Coverage: As vehicles become more connected, the potential for cyber-attacks increases. Policies should address the risks associated with cybersecurity threats, including data breaches or malicious attacks that could impair vehicle performance.
Digitization and Simplification of Claims:

Fully Digital Claims Process: Insurers should provide a streamlined digital claims process, allowing for virtual inspections, real-time updates, and faster settlements.
AI-Powered Claims Handling: Leveraging AI to assess damage and expedite claims for minor accidents would improve the efficiency of claims handling and provide a better customer experience.
These proposals aim to ensure that Ontario's auto insurance policies are aligned with current trends in technology, transportation, and environmental considerations. I believe these updates would benefit both consumers and insurers, offering a more comprehensive, equitable, and modern approach to auto insurance.

Thank you for your time and consideration. I would be more than happy to discuss these suggestions in further detail or participate in any consultations regarding potential changes to auto insurance policies.

Sincerely,
Sindy Ramasamy, ACIP, CRM
Auto Insurance
[2024-011] Sarah Palmer
As a professional working with individuals who have sustained serious injuries in motor vehicle accidents, I see firsthand the need for updates to the Form 1 Assessment, Professional Services Guideline, HCAI System, and Minor Injury Guideline. These changes are not only necessary but long overdue.
First, specific rates should be removed from both the Form 1 Assessment and the Professional Services Guideline, allowing professionals to charge market rates. While the Form 1 can prescribe a certain number of minutes for various services, no fixed dollar amounts should be tied to them. Clients can assess whether fees are reasonable and to choose their preferred provider based on value and quality of care.
Second, the Minor Injury Guideline (MIG) cap should be increased to $15,000 and indexed to inflation. This would ensure that individuals receive adequate funding for necessary treatments, ultimately reducing reliance on the public healthcare system.
Third, the HCAI system must be modernized. Key features like autofill, real-time error checking, and automation for recurring claims would help minimize mistakes and expedite submissions. A built-in messaging system would facilitate direct communication between providers and insurers, and real-time feedback tools—similar to those used by TELUS Health—could resolve issues quickly. Additionally, there should be a system to provide clear adjudication feedback, improving transparency and reducing delays.
Thank you for taking the time to consider our feedback. We are hopeful that these important updates will be implemented, ensuring better outcomes for both professionals and those we serve.
Auto Insurance
[2024-011] Lucy Lee - Cohen Highley LLP
I am a lawyer who works regularly with SABS providers. The professional guideline should reflect market rates of service providers. The idea of SABS was to place an injured person in a position to recover as quickly as possible. In light of the complications of HCAI, we lost many psychologists. Social workers have stepped into the gap. However, due to their unregulated status and the insurers complete control over the amount they will pay, insured individuals are going without emotional and psychological treatment. This lack of treatment can result in chronic conditions developing, adjustment disorder, depression etc. We are losing experienced social workers because they are being paid, at time, half of the market rate set out by their college. The other medical professionals have not had a raise in 10 years. They should also receive an increase. The cap for non-mig, non-cat should also be raised accordingly.
I am happy to discuss.
Auto Insurance
[2024-011] Bhavesh
The fees for health care is not justified, they are so much underpaid and never keep up with inflation or expertise . Why are this health care worker underpaid ! Why aren’t we doing anything to pay them well and also the funding option is limited - in other province for $$ they spend for car insurance and benefit are completely different then what we get here in ontario
Date posted Sector Question and response
Cross Sector

Question: is there an email address to submit responses instead of this portal. I can't seem to get the web page to work well.

FSRA response:

Comments can be submitted to FSRA's contact center by emailing us at [email protected]; however, please note that by submitting your content, you agree to have your materials posted on our engagement portal, used in reports and other materials prepared by Financial Services Regulatory Authority of Ontario (FSRA) that may be shared with the public. Content is moderated so that all posts are respectful and professional. The Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c.F.31, applies to all online content.
Health Service Providers

Question: Is there an email address to submit a comment if we do not want to post online?

FSRA response:

Comments can be submitted to FSRA's contact center by emailing us at [email protected]; however, please note that by submitting your content, you agree to have your materials posted on our engagement portal, used in reports and other materials prepared by Financial Services Regulatory Authority of Ontario (FSRA) that may be shared with the public. Content is moderated so that all posts are respectful and professional. The Freedom of Information and Protection of Privacy Act, R.S.O. 1990, c.F.31, applies to all online content.
Health Service Providers

Question: Hello,

I am a Registered Psychotherapist, HCAI registered facility, FSRAO SP and Regulated Health Care Proffesional in independent practice in Ontario. Yet, I can not independently complete OCF-18. I am not listed in part in part 4 or part 5. I notice Social Workers who are not regulated under RHPA are listed. Registered Psychotherapists who are under RHPA are not listed on OCF-18.
My question is why would any RHPA professional from part 4 of OCF-18 e.g. Dentist or OT/PT/SLP supervise/certify my proffesional activity as RHPA in independent practice if they belong to a different regulatory college. When can we as a professionals expect a change in this area. How can we help with the process of understanding of what we do and our regulation. It creates an artificial step of "supervision" that is not a clinical supervision as that is impossible. If it is just an administrative supervision that adds to unnecessary fees and barriers to mental health treatment.

FSRA response:

The scope of the SABS Guideline review is limited to HSP rates and fees set out in the following three SABS Guidelines: 

  • Professional Services Guideline (PSG);  
  • Attendant Care Hourly Rates Guideline (ACHRG); and 
  • Minor Injury Guideline (MIG). 

Stakeholder feedback which is outside the scope of this review will be considered for future FSRA reviews and/or will be shared with the Ministry of Finance.
Health Service Providers

Question: It has been over a decade since the fees for providers under MVA's have changed I am wondering when the government will update to current rates. My second question is why they change the rates for Cat and no-cat rates. No health care provider changes their treatment for a person based on fees. There really should not be a difference between categories and Health care providers fees. I do understand the need for designation when if comes to the max allowed from insurers but as a health care provider I do not feel it is truly meeting your mandate for fairness for consumers. I have been working in this industry for over a decade and am seeing the stress for consumers from insurers after an automobile accident increase. The percentage of denials has increased and the IE's no longer seem impartial. What is being done on a government level to protect the consumers from this trend. . I would also like to know what is being done to help provide service to Rural Ontarians with insurance. Service is lacking and providers are required to travel and denials for that are high.
Look forward to your response Sandra Silva

FSRA response:

Thank you for your questions. 

FSRA's current review of the SABS Guidelines seeks stakeholder feedback on options related to the fees/rates paid to health service providers. The consultation paper sets out proposed options for the Professional Services Guideline, Attendant Care Hourly Rate Guideline, and the Minor Injury Guideline, as well as questions stakeholders are invited to answer. 

FSRA is also conducting reviews of the Health Service Provider Framework and of the Health Claims for Auto Insurance System.

We welcome your feedback on FSRA's auto reform reviews. Please note that the consultation closes on Friday, November 29.