If ICBC denies or cuts off your treatment, here's what to do.

"ICBC cut me off" can mean several different things, and the fix depends on which one it is. You may have used your pre-approved sessions. You may have reached the 12-week window. A specific treatment plan may have been refused. Or a report may simply be outstanding.

If you have reached the end of the standard window and need more care, that is not a denial. It is the normal extension process, and it has its own pathway. The steps below are for when ICBC has actually refused or stopped something you believe should be covered.

The first move is a conversation. Ask your recovery specialist to explain the decision and the factors behind it. This is the moment to share anything new: a fresh symptom, a progress report, a change at work. Many issues are resolved here, because the decision was based on incomplete information.

If you are still not satisfied, ask to speak with the manager who oversees your claim. ICBC describes both of these internal steps on its injury benefit disputes page.

If the internal steps don't settle it, the ICBC Fair Practices Office can look into your case. It reviews concerns about decisions and service, helps you understand what happened, and can facilitate a resolution or refer you to another process. You can reach it at 1-800-445-9981.

It is not a court. Think of it as an internal check that sits above your claim handler. It is useful when you feel a decision was unfair rather than simply unwelcome.

When earlier steps don't resolve it, ICBC's Claim Decision Review is the next formal stage under Enhanced Care. Beyond that, the Civil Resolution Tribunal (CRT) is an independent tribunal that decides certain injury matters, including minor injury determinations.

These stages are more formal, and the bar for evidence is higher. This is the point where many people choose to get legal advice, particularly if the disagreement is about a minor injury classification, which can affect your benefits.

Every stage above runs on the same thing: a clear clinical record. Your physiotherapist can provide the assessment findings and progress reports that document ongoing impairment and a sensible plan. That evidence is often what turns a refusal around.

In our clinic, we keep that documentation current as a matter of routine, so if a review becomes necessary the paperwork is already there. Tell us early if a request has been refused. The sooner we know, the more useful the record is.