Law360 Canada ( February 23, 2018, 8:54 AM EST) -- Appeal by Holt from the dismissal of her appeal from a decision by Saskatchewan Government Insurance (SGI) in relation to her income replacement benefit (IRB) entitlement. Holt was a student when she was injured in a 2005 motor vehicle accident. She applied for benefits, including an IRB. She was granted an IRB calculated based on the industrial average wage (IAW) for the position for which she was studying at the time of the accident. She did not appeal from the 2006 decision to calculate her IRB in this manner. Two adjustments to Holt’s IRB were made in subsequent years, one of which increased her entitlement using the consumer price index (CPI), and the other decreased her entitlement for various statutory deductions. Ultimately, in 2015, her yearly employment income increased to $41,030. In May 2015, Holt took issue with the way in which SGI had adjusted her IRB each year, pointing to the disparity between the 12-month average IAW, which was by then $49,798, and her adjusted benefit. She sought the difference between what she would have received since 2006 compared to what she had received, had the IAW been used to calculate her IRB. Her request was denied and her appeal to the Court of Queen’s Bench was unsuccessful. The judge determined that the IAW was to be adopted to establish a student’s yearly employment income at the time of the accident, while the CPI was to be used for indexation of benefits thereafter....