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I have been on short term disability for ~2.5yrs & am set to transition to LTD in the new year. I am suffering from depression & have been approved for cpp disability as well. The cpp benefits basically top up the shortfall between my std benefits & what I was earning while working. Q- can the insurance company claw back any of the funds I receive from CPP? I was given a lump sum from cpp for retro to the start of my disability which is basically the amount i've lost while being on disability. My doctor & therapist don't see me returning to work anytime soon so I will most likely be transitioning to ltd. thank you for your time
I have been on LTD for 16 months but because of my disability I slowly went from full time hours to part time hours which I have struggled financially from for some time and I fall in the low income range because of my limitations. I am wondering how abouts or if it is even an option to go from Ltd employer insurance to government PWD as PWD income is more than what I. Receiving. I know to qualify for PWD I cannot have a source of income yet I'm struggling and would do better on PWD as well as have the opportunity to possibly work a little if and when I feel I can and with Ltd you cannot. Is there any way to transition to PWD? Any info would be appreciated. Thank you
When I was 17 I was exposed to 24D a dangerous chemical while working for the Ministry of Natural Resources. A few years later I had breathing problems and the doctor said I had asthma. I was on puffers etc. I'm now 58, working, and have no bad habits. Often I have pain in my lungs that causes me to stop till it subsides. Is there anything that can be done?
Hi, I have been on LTD for 3.5 years from a traumatic brain injury I suffered outsidethe workplace. I subsequently have a bunch of other diagnoses for depression, neurovisual and vestibular problems, chronic migraine, etc and many things including weather trigger intense pain, migraine, cognitive fatigue and cognitive collapse. I have a new case manager and have been informed that they may have others who may benefit my recovery and I am to attend a one-time assessment by an OT or physiotherapist. Is this an IME? I already have an OT on my care team, and many others. If I read more than a page, it triggers intense "brain pain" and takes me down forn2+ days; scrolling on and beight screens trigger also. I have visual and vestibular issues and more. Using my brain literally hurts and I cannot undergo cognitive stress for more than an hour a day some times less, without exacerbating my symptoms either in the immediateor for days following. I have major short term memory problems too so I won't remember what was said, or what I said in the IME. How do I have these issues addressed before the IME? Can I refuse to do further tests if my brain starts to hurt when I'm there? Can I bring another person with me to witness given my memory problems? Can I tape, video and/or audio the sessions? A brain injury isn't readily visible to onlookers, and my specialist has me on a points-program to plan and pace to avoid this taxing of my brain and the multi-day total shut down after the fact. Does the IME have to recognize and adhere to these restrictions? Pushing me further will result in multi-day migraines, extreme brain pain and a total shut down of function where I am in bed for days and days and often to the hospital for pain management intervention. What can I request and put in place to limit this outcome? And, how do I get these outcomes on my health after the assessment(s) documented? I know this because I do it to myself when I push myself too far, often not seen at the time, but a hefty process paid after.
Hi Currently have been off work for over 3 years. I suffer with chronic pain, chronic migraines, anxiety and depression. Manulife ordered an OT assessment earlier this year and I expect the information relayed back did not come in their favour as I didn’t hear any more about it. Now, I have a new case manager (4th since being on LTD) she is ordering me to do a neuropsychological assessment. I’ve received the appointment request for the appointment and it’s for a 7 hr block. The appointment is 1 hour drive from my residence. So, that’s 9 hours I need to ensure I can manage for this assessment. It also states if I need to cancel without sufficient notice I will be charged for the appointment. My issue is with my chronic migraines, 98% of the time I wake up with them about 75% of the month. Chronic pain and chronic migraines don’t subside because you have an appointment, also with COVID if 1 has the sniffles they’re not supposed to be going out. Those are the unknowns. I understand I need to comply with assessment requests but my question is, do I have to comply with a 9 hour block of time to comply with the request? Can I request that the appointment be broken up into 2 or 3 smaller blocks of time? Also, is there a limit to how many assessments they request from an individual?