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1. In this Regulation, “accident” means an incident in which, directly or indirectly, the use or operation of an automobile causes an impairment or causes damage to any prescription eyewear, denture, hearing aid, prosthesis or other medical or dental device; (“accident”) “chiropractor” means a person authorized by law to practise chiropractic; (“chiropraticien”) “dentist” means a person authorized by law to practise dentistry; (“dentiste”) “Form for Assessment of Attendant Care Needs - Accidents After December 31, 1993 and Before November 1, 1996” means the document of that name, dated February 2016 and available on the website of the Commission; (“Formulaire d’évaluation des besoins en soins auxiliaires - accidents survenus après le 31 décembre 1993 mais avant le 1er novembre 1996”) “health practitioner”, in respect of a particular impairment, means a physician or, (a)  a chiropractor, if the impairment is one that a chiropractor is authorized by law to treat, (b)  a dentist, if the impairment is one that a dentist is authorized by law to treat, (c)  an optometrist, if the impairment is one that an optometrist is authorized by law to treat, (d)  a psychologist, if the impairment is one that a psychologist is authorized by law to treat, or (e)  a physiotherapist, if the impairment is one that a physiotherapist is authorized by law to treat; (“praticien de la santé”) “impairment” means a loss or abnormality of psychological, physiological or anatomical structure or function; (“déficience”) “insured automobile”, in respect of a particular motor vehicle liability policy, means any automobile covered by the policy; (“automobile assurée”) “insured person”, in respect of a particular motor vehicle liability policy, means, (a)  the named insured, any person specified in the policy as a driver of the insured automobile, the spouse of the named insured, and any dependant of the named insured or spouse, if the named insured, specified driver, spouse or dependant, (i)  is involved in an accident in or outside of Ontario that involves the insured automobile or another automobile, or (ii)  is not involved in an accident but suffers psychological or mental injury as a result of an accident in or outside of Ontario that results in a physical injury to his or her spouse, child, grandchild, parent, grandparent, brother, sister, dependant or spouse’s dependant, (b)  in respect of accidents in Ontario, a person who is involved in an accident involving the insured automobile, or (c)  in respect of accidents outside Ontario, a person who is an occupant of the insured automobile and who is a resident of Ontario or was a resident of Ontario at some point during the sixty days before the accident; (“personne assurée”) “member of a health profession” means a member of a College as defined in the Regulated Health Professions Act, 1991; (“membre d’une profession de la santé”) “optometrist” means a person who is authorized by law to practise optometry; (“optométriste”) “personal and vocational characteristics” include, (a)  employment history, (b)  education and training, (c)  vocational interests and aptitudes, (d)  vocational skills, (e)  physical abilities, (f)  cognitive abilities, and (g)  language abilities; (“caractéristiques personnelles et professionnelles”) “physician” means a person authorized by law to practise medicine; (“médecin”) “physiotherapist” means a person authorized by law to practise physiotherapy; (“physiothérapeute”) “psychologist” means a person authorized by law to practise psychology; (”psychologue”) “spouse” means either of two persons who, (a)  are married to each other, (b)  have together entered into a marriage that is voidable or void, in good faith on the part of the person asserting a right under this Regulation, or (c)  have lived together in a conjugal relationship outside marriage at some point during the previous year and have lived together in a conjugal relationship outside marriage, (i)  continuously for a period of at least one year, or (ii)  in a relationship of some permanence, if they are the natural or adoptive parents of a child or have demonstrated a settled intention to treat a child as a child of their family; (“conjoint”) “temporary disability benefits” means, (a)  benefits paid under Part II, III or IV of this Regulation, (b)  benefits paid under Part V of this Regulation, unless the benefits are paid more than 104 weeks after the onset of the disability, (c)  benefits paid under section 32 of this Regulation, (d)  benefits paid under Part IV of Regulation 672 of the Revised Regulations of Ontario, 1990, unless the benefits have been paid for more than 156 weeks, (e)  benefits paid under Part II of Subsection 2 of Schedule C to the Insurance Act as it existed before June 22, 1990, unless the benefits have been paid for more than 104 weeks, (f)  benefits paid under section 37, subsection 43 (9) or subsection 147 (2) of the Workers’ Compensation Act, or (g)  any other periodic temporary benefit paid under an income continuation plan or law, other than, (i)  unemployment insurance benefits, (ii)  benefits paid under Part V of this Regulation more than 104 weeks after the onset of the disability, (iii)  benefits paid under Part IV of Regulation 672 of the Revised Regulations of Ontario, 1990 for more than 156 weeks, or (iv)  benefits paid under Part II of subsection 2 of Schedule C to the Insurance Act
as it existed before June 22, 1990 that have been paid for more than 104 weeks.  (“indemnités d’invalidité temporaires”)  O. Reg. 776/93, s. 1; O. Reg. 781/94, s. 1; O. Reg. 26/06, s. 1; O. Reg. 46/16, s. 1. Partial Inability to Carry on Normal Life

2. For the purpose of this Regulation, a person suffers a partial inability to carry on a normal life as a result of an accident if, and only if, as a result of the accident, the person suffers an impairment that results in a substantial inability to engage in, (a)  personal care activities in which the person ordinarily engaged before the accident; (b)  mobility activities in which the person ordinarily engaged before the accident; (c)  household activities in which the person ordinarily engaged before the accident; (d)  activities in which the person ordinarily engaged before the accident that require the exercise of cognitive powers; (e)  activities in which the person ordinarily engaged before the accident that require the ability to control emotions or behaviour; or (f)  activities in which the person ordinarily engaged before the accident that require communication abilities.  O. Reg. 776/93, s. 2. Complete Inability to Carry on Normal Life

3. For the purpose of this Regulation, a person suffers a complete inability to carry on a normal life as a result of an accident if, and only if, as a result of the accident, the person suffers an impairment that continuously prevents the person from engaging in substantially all of the activities in which the person ordinarily engaged before the accident.  O. Reg. 776/93, s. 3. Dependants

4. For the purpose of this Regulation, a person is a dependant of another person if the person is principally dependent for financial support or care on the other person or the other person’s spouse.  O. Reg. 776/93, s. 4. Employment