Minor Injury Guideline

The Minor Injury Guideline (MIG) was introduced in 2010 and its objectives are to:

  1. Speed access to rehabilitation for persons who sustain minor injuries in auto accidents;
  2. Improve utilization of health care resources;
  3. Provide certainty around cost and payment for insurers and regulated health professionals; and
  4. Be more inclusive in providing immediate access to treatment without insurer approval for those persons with minor injuries as defined in the SABS and set out in Part 2 of the MIG.

The MIG sets out the goods and services that will be paid for by the insurer without insurer approval if provided to an insured person who has sustained a minor injury. It is focused on the application of a functional restoration approach, in addition to the provision of interventions to reduce or manage pain or disability.

Replacing the Minor Injury Guideline

The Financial Services Commission of Ontario (FSCO) has begun a consultation process to examine the Minor Injury Guideline (MIG) and create a new evidence-informed system to facilitate care for patients injured in MVAs. The MIG was introduced in 2010 as a temporary measure to provide adequate time to develop a permanent guideline. The evidence-based Minor Injury Treatment Protocol will form the basis of a new guideline, likely in 2016.

FSCO is now reviewing the findings of the Final Report of the Minor Injury Treatment Protocol Project (led by chiropractor Dr. Pierre Côté). FSCO has asked for input from relevant stakeholders including the OCA.

The OCA’s submission to FSCO from July 30, 2015 is available online. We make several recommendations including six principles to guide policy development:

  1. Clinical practice and care delivery should be consistent across the health care system.
  2. Policy should be reflective of the three pillars of evidence-based practice, allowing for flexibility in care delivery.
  3. Guidelines and recommended care pathways should be updated as research and evidence evolve.
  4. Insurance payment schemes should incentivize care that is aligned with the best clinical evidence.
  5. Policy should be able to accommodate conditions for which no care pathway has been developed.
  6. Interventions for pain management and symptomatic relief should be recognized as providing value to patients in helping them to maintain a high quality of life, even in cases where such interventions do not accelerate recovery or improve long-term recovery.

Members Asked NOT to Sign MIG Removal Petition

Some OCA members have reported being asked to sign a petition to the government to remove the MIG. The OCA does not endorse or support this petition. We have asked the author of this petition to remove all references to the OCA.

Information attributed to the OCA in the petition is dramatically out of date and misrepresents our current advocacy positions. As mentioned above, we are providing input to a guideline which will replace the MIG — no petitions necessary.

The OCA strongly encourages its members not to sign the petition or engage with its promoter. We continue to advocate on your behalf in this ever-evolving environment. Please contact us at oca@chiropractic.on.ca if you have questions or concerns about our advocacy on auto insurance coverage in Ontario.