In O’Brien v State Farm Mutual Automobile Insurance Company, a recent FSCO arbitration decision, the Applicant, Erik O’Brien was seriously injured in a car accident on August 21, 2008.  Despite extensive rehabilitation, he continued to suffer from Chronic Pain Syndrome with related depression and fatigue issue.  To support his family, he returned to work on modified duties 6 months after the accident, and full-time after that.  However, he was unable to continue working approximately 2 years after his return to work.

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