Ignoring Instructions on OCF Forms? It Could Cost You Thousands!

A Costly Mistake at the Doctor’s Office

Jason was eager to get his benefits approved after his accident. He skimmed the instructions on his OCF-3 Disability Certificate and quickly filled in the form. Unfortunately, he didn’t realize that his doctor was required to complete certain sections. His claim was rejected due to "insufficient medical evidence," and he had to restart the process—delaying his treatment funding for months.

How to Avoid This Mistake

Each OCF form has detailed instructions outlining who must fill it out, what supporting documents are required, and where it should be submitted. Read the instructions carefully and follow them precisely. If you’re unsure, seek professional guidance before submitting.

Technicalities & Case Law

The Financial Services Commission of Ontario (FSCO) has ruled in cases like Carrillo v. Desjardins, 2016 ONCA 976 that improperly completed forms, especially those missing medical documentation, can justify claim denials. Always ensure the right professionals complete medical sections.