January 27, 2010 Sybil Edmonds3Alliance's lobbying was that the maximum medical and rehabilitation payout was raisedfrom $25,000 to $50,000 for those suffering from non-catastrophic brain injuries.However, even the current maximum of $100,000 is not enough for non-catastrophic ABI patients, says Boyce.Cheryl Jardine, an occupational therapist with the NRIO, agrees with Boyce'sconcerns. ³There is a clear clinical pathway for non-brain injured people, but braininjuries are more difficult to measure,´ she says. People with severe brain injuries, butwho have either just missed the cutoff or who have not yet been designated catastrophic,are the most affected by the proposed changes to the Insurance Act.It can take two to three years to be designated catastrophic, which would allowthe patient access to $1,000,000 for medical and rehabilitation costs. Adjusting treatment plans for non-catastrophic, yet severely injured people who have access to only $50,000,will be very difficult. Jardine says that intensive rehabilitation is most effective soon after an accident. ³They need care, and they burn through the money quickly. If they don't getthe [catastrophic] designation, the money has been used up,´ says Jardine. If the money iscut off, rehabilitation gains will be compromised, Jardine says.A major problem with the reduction in the amount of money available is thenumber of areas ABI survivors need the money for. With the government's plan to reduce benefit payouts by from $100,000 to $50,000, that money will still need to cover the costsof therapy- such as occupational therapy, physiotherapy, psychology, and speech therapy-as well as private tutors to get back to school, gym memberships, and homemodifications, such as installing railings, ramps, bath chairs, and safety equipment.