Simplifying Premium Health Care & MVA Claims

Whether your insurance plan coverage is with Manulife Financial, Great West Life, Standard Life or Sun Life Financial – it is important to know what you are entitled to when it comes to your benefits.

NTO Wellness and Rehab Centre welcomes premium health insured clients and would encourage you to maximize the benefits offered to you from your employer.

Please do not hesitate to let us know how we can accommodate your premium health coverage and tailor a treatment plan that works best for you so that you can find the time to use your benefits.

As a corporate employee you have access to premium health insurance for some of those paramedical professional services that would otherwise be extremely expensive.

Having an extended health benefit plan with a company like Manulife Financial, Sun Life Financial or Desjardins enables the average person to be able to afford these proactive and paramedical health services.

The process for having electronic funds transfer set up directly to the insurance company or even claiming funds back right after the treatment of  these proactive and medical services is pretty straight forward as long as you ensure that the paramedical service you are about to receive or received is covered.

What is covered and at what percentage  is covered can be found in your corporate benefits handbook – so be sure to review this handbook before you book that appointment with NTO Wellness and Rehab if you plan on claiming back using your premium or extended health coverage plan with any of the companies listed above.

LET US HELP YOU IN DEALING WITH YOUR MVA CLAIM

Now in the case of the insurance plan you may have with your Auto Insurance Company for motor vehicle accidents (MVAs), personal injury as a result of an accident leading to short disability, the process becomes a little bit trickier.  Between the MVA claims officer, adjustor and your need for medical help, not to mention the pain and discomfort you may be facing due to the motor vehicle accident (MVA) – we understand that this can be extremely stressful, difficult and frustrating.

NTO Wellness and Rehab Centre can assist you with this otherwise stressful and emotional taxing process so that you may still receive the rehab and recovery treatment your body needs as you need it from NTO Wellness & Rehab, as our Frontdesk Staff bring over 5 years of experience in effectively dealing with MVA  cases.

In Ontario, according to The Insurance Act, cost for medical rehabilitation care due to car accident will be covered by insurance company either through Auto Insurance or Extended Health Care Insurance if applicable. At NTO Wellness & Rehab Centre, our experienced administration team will assist patients and offer services in direct billing and handling complicated paper work through insurance company.

Completion of insurance forms:

  • OCF 1
  • OCF 3
  • OCF 18
  • OCF 23, 24

NTO Wellness and Rehab Centre is also in partnership with group of specialists offer additional services for car accident victims:

  • Home Site Assessment
  • Job Site Assessment
  • Psychological Assessment and Driver re-integration
  • Functional Capacity Evaluation
  • Work Conditioning/Hardening Programs

Proper Lifting Technique in Your Daily Life

Christine Mo, PT ,RMT  has haChristine (Ruo), Mo --Registered Massage Therapistd many clients seeking Physiotherapy and Massage Therapy come in to the NTO Wellness and Rehab Centre with the very common lower back pain, muscle strain or ache that has been triggered from some of the most common day-to-day activities in our daily lives.   In some cases she has had clients come in to see her who have injured their back from working out, weight-lifting, doing dance aerobics and a variety of physical intense sports.

Whether it is lifting the grocery bags out of the trunk of your car, lifting heavy boxes when moving houses or picking up your 2 year old child when walking in the park – it is important to know the right technique for lifting in order to prevent back injury or muscle strain.  Christine has put together a video that focuses on the proper lifting technique so that you can prevent injury when going about your daily errands and activities.

As a proactive measure for injury prevention, Christine would like to demonstrate a stretching exercise that you can do to improve your posture when going about your daily activities.

The severity of the lower back injury and/or muscle strain is determined based on the level of impact and intensity that was incurred when the muscle strain happened – a sudden sneeze could be all it takes to jolt your lower back in the wrong manner, or lifting a heavy box from a bad angle and not squared in front could cause some serious damage to your soft tissue and lower back muscles.

In most cases the soft tissue, ligaments and muscle may have been impacted resulting in the need for manual therapy, soft tissue manipulation, myofascial release – this is where NTO Wellness and Rehab Centre can assist in your rehabilitation and recovery process.  However it is important to note that in some cases a lower back strain could be so severe that you are unable to walk immediately following the injury, in this case, you may have fractured a bone, herniated a disc or damaged your spine requiring an X-ray to confirm the fracture or disfunction – please seek emergency assistance from your medical practitioner or go to the nearest ER to prevent further injury.

The All Too Common Ankle Sprain

Physiotherapist - Leo WanLeo Wan, Physiotherapist has had many clients come in to the NTO Wellness and Rehab Centre with the all too common sprained ankle, especially over the summer and fall seasons where people have been getting outside and active outdoors more frequently.  He has put together a couple of videos that explain Ankle Sprains, the types, symptoms and remedial treatments that can be performed as part of your own home self treatments in order to help you recover and rehabilitate appropriately for your body.

A sprained ankle is a very common injury that can effect anyone when performing simple day-to-day activities like walking to the grocery store, running to catch a bus as well as playing physical sports such as soccer, tennis and/or basketball.

All it takes is a person to casually walk on the sidewalk and suddenly hit some uneven ground without looking resulting in what has been commonly termed “an ankle roll”.  Or in another scenario when doing intense and physical active sports a momentarily lapse of concentration on foot placement after a jump or speed burst could prove costly and result in a sprained ankle injury.

The severity of the ankle roll, strain or sprain is determined based on the intensity of the roll resulting in the imbalance, the angle of the roll, as well as the force/impact or speed in which one rolled the ankle.

In most cases the soft tissue, ligaments and muscle may have been impacted resulting in the need for manual therapy and physiotherapy in the recovery process – this is where NTO Wellness and Rehab Centre can assist in your rehabilitation and recovery process.  However it is important to note that in some cases an ankle roll could be so severe that you are unable to walk on it immediately after the incident, in this case, you may have fractured a bone and require an X-ray to confirm the bone fracture or break – please seek emergency assistance from your medical practitioner or go to the nearest ER to prevent further injury.

NTO Rehab Knows MVA & WSIB Cases

With North Toronto Wellness & Rehab Centre (NTO Rehab) offering multidisciplinary health and medical professional services puts us in a great position to provide a team approach to your particular rehabilitation program.  When it comes to your MVA (Motor Vehicle Accident) or WSIB (Workplace Safety Insurance Board) rehabilitation program it is critical that you have the right team of doctors and therapists at hand to assess your situation so that the best service and treatment plan can be custom-made to your body.

What NTO Wellness and Rehab Centre offers you as a MVA Rehabilitation Program?

A team of Chiropractor, Physiotherapist, Massage Therapist, Acupuncturist and Athletic therapist can offer comprehensive & customized treatment plan for individuals who suffer from car accident.  When the patient is presented at the clinic, a comprehensive initial assessment and complete physical examination will be conducted by either the chiropractic doctor or physiotherapist, then we co-ordinate treatment with our doctors and therapists.

Each treatment plan is carefully designed by combining several treatments to assist patients in returning to a full and productive pre-injury condition as soon as possible.

assessment (1)These treatments can include one or more of the following therapy techniques such as:

  • Massage Therapy can be a great relief of muscle aches caused by motor vehicle accidents.
  • Passive joint mobilization can reduce pain through gentle, repetitive movements of the joints in the neck region.
  • Strengthening and conditioning programs designed to make sure that patients will remain active after their accident, to prevent pain due to stiffness.
  • Medical Acupuncture can help to reduce the symptoms that are associated with motor vehicle accidents.
  • Electrical modalities such as Transcutaneous Electrical Nerve Stimulation (TENS), Interferential Current (IFC) and Ultrasound helps patients return to their normal daily activities by decreasing pain and tissue inflammation.
  • Education: most importantly, our specialists will not only treat patient, but also raise awareness for the patient and educate them with respect to the nature of injury and soft tissue healing process. This allows the patient to fully participate in the rehabilitation process.

What NTO Wellness & Rehab Centre offers you as a WSIB Rehabilitation Program?

At NTO Wellness & Rehab Centre, our dedicated health team will work closely with the WSIB and offer services focus on:

  • Pain relief
  • Strengthen & Flexibility
  • Improve Functional Abilities
  • Provide Ergonomic Advice
  • Coordinate Your Return To Work

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In many cases, being assessed by a physiotherapist and beginning treatment as soon as possible after an injury speeds return to work and increases the likelihood of full recovery.

Athletic Therapy advice from NTO Rehab

Recognizing Acute Musculoskeletal Injuries

Christine (Ruo), Mo --Registered Massage TherapistAt NTO Wellness and Rehab our very own Registered Massage Therapist and Certified Athletic Therapist, Christine Mo would like to share some advice on recognizing acute musculoskeletal injuries in your daily lives, whether you are an athlete planning to run a marathon this weekend or somebody that has difficulty performing day-to-day tasks such as walking to the bus stop and/or lifting heavy groceries.

 Christine Mo -HBSc, CAT(C), RMT, ATC, CSCS, CPT

Musculoskeletal injuries are any damage done to the muscles, bones, joints, tendons and other soft tissue. They can be anything ranging from a “Charley Horse” in the calf to a broken bone in the arm. Acute musculoskeletal injuries usually happen following sudden onset of accidents, for example, a slip and fall, a car accident, a hard blow in hockey or a wrongful landing from a jump.

In acute injuries, symptoms of inflammation are often present. Pain, obviously, is one of the most recognizable one. If the pain is so severe that you cannot move or bear weight, do not force the movement. You might have suffered a broken bone or a severe sprain or strain. In this case, stay where you are, and wait for help from a trained emergency care professional.  

If you are able to move, bear weight and even walk, it usually means the injury you sustained is not worth a trip to the hospital. However, it does not mean there is no need for care. Although rare, some serious injuries can be hidden, and can only be found out after a thorough assessment by trained healthcare professionals.

Furthermore, trained healthcare professionals are able to provide appropriate treatment to your injury so it heals faster without any compensatory complications.

If you suspect that you may be experiencing musculoskeletal pain of any kind in your day-to-day activity, please do not hesitate to let one of the healthcare professionals or front desk staff know at NTO Wellness and Rehab Centre.

In my next blog I will be introducing the different types of professionals you can see for an acute musculoskeletal injury and the self treatment can be done while you’re looking for your therapist.

 

 

Heat or Ice? The Ongoing Debate

Physiotherapist - Leo WanAt NTO Wellness and Rehab our very own Registered Physiotherapist Leo Wan would like to share some advice on one of the most common questions he often gets asked at the clinic:  Heat or Ice?  The Ongoing Debate.

 

The question I get asked most in at the NTO Wellness and Rehab Centre, ” Should I apply heat or ice when I have pain?”

Honestly, we don’t blame patients for asking this question because this has been an ongoing debate, even in the health community. Heat is generally used to promote more circulation to an
injured area, providing it with more nutrients and oxygen to aide in healing. The warmth can help to alleviate pain, relax muscles, decrease muscle spasms and increase range of motion of the
affected joint. Ice, on the other hand helps to decrease circulation to the area, thereby reducing swelling, inflammation and pain.

So what is the big difference between the two? Simply put, heat will increase circulation and ice will decrease circulation. Both modalities are useful and effective only if used at the right timing in
the course of your injury. Therefore, the biggest question is “when”. Here are some general guidelines on when to use ice or heat.

When to use Ice?

You should use ice within 24 to 48 hours after an injury. It is not recommended to ice after this time frame as it may delay healing of the injured tissues. The main goal of icing at this time is to
help reduce or prevent excess swelling that may occur during your body’s inflammatory response to the injury. You may use ice again if you re­aggravated the injured area and caused more
swelling. Ice should be applied for no more than 20 minutes and you should wait an hour before re­applying it again.

When to use Heat?

After the  initial 48 hours after an injury, you may start to use heat. The main goal of heating at this point is to bring more blood to the area to stimulate healing of the damaged tissues. You can
also use heat if you are suffering from muscle spasms, chronic injury and joint or muscle stiffness.  Heat should be applied for no more than 20 minutes and you should wait an hour before re­applying it again.

If you are unsure about the nature of your injury or have any doubt as to whether to apply heat or ice to an injury, you should contact your health care provider for more information.  Feel free to bring up this question of Heat or Ice the next time you see me at the NTO Wellness and Rehab Centre.