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Pain Research and Management
Volume 8 (2003), Issue 2, Pages 95-100

Disability management: The Insurance Corporation of British Columbia experience

Henry Harder1 and Leslie Potts2

1Chair, Disability Management Program, The University of Northern British Columbia, Canada
2Manager, Bodily Injury Operations Support, The Insurance Company of British Columbia, Canada

Copyright © 2003 Hindawi Publishing Corporation. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.


Insurance Corporation of British Columbia (ICBC) is a Crown Corporation created by the Provincial Government in 1974 to provide compulsory auto insurance. It is a common-law or tort system with 'add-on' no-fault provisions (medical/rehabilitation and disability benefits). ICBC insures 2 million British Columbia (BC) residents and pays out over $2 billion (Cdn.) in claims annually. One billion of this is for injury claims. Currently, one percent of these claims are catastrophic losses (paraplegic, quadriplegic, traumatic brain injury) with the remainder being non-catastrophic claims. Seventy percent of these non-catastrophic claims are soft tissue (primarily whiplash) injuries.