How to determine if an applicant has a complete inability to carry on a normal life?

The Court of Appeal set out how to determine whether an applicant has a complete inability to carry on a normal life as follows[1]: i. Compare the applicant’s activities of daily living before and after the accident; ii. Consider all of the applicant’s pre-accident activities during a reasonable period of time before the accident, perhaps giving greater weight to the activities the applicant identifies as being important to her pre-accident life; iii. Consider whether the applicant is continuously prevented from engaging in substantially all pre-accident activities; iv. Take a qualitative perspective to determining if the applicant is engaging in the activity post-accident; and v. Assess whether the degree of the applicant’s pain is such that it prevents her from engaging in the activities.