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I worked as an electrician and was injured (not work related injury) and ended up being on LTD at the age of 26. I am now past the any occupation period, but the problem is my diagnosis, I have a rare nerve condition and chronic pain, and I can no longer do my job or any other job due to my disease and how it is affecting my day to day life, my insurance company is doing everything they can to push me off LTD, including acting in bad faith, I was considering going back to school with accommodations (note taker, extended time, recorded classes, virtual attendance) and make a career switch into something that will enable me to run my own practice at my own pace as I am in my early thirties and I do not feel like I have a purpose at all, I was thinking something like massage therapist, or occupational therapist, physiotherapist, or even a therapist, but the insurance company is not approving this under vocational rehab provision, despite the sole purpose of me going back to school is to improve my life and reach gainful employement. my condition is unstable, and it includes chronic pain, migranes, brain fog and severe insomnia and severe weakness. this is my second request to them in writing and they will not approve it, and they inform me of their refusal by phone. I am considering going back to school even if they do not approve, because I am wasting my life to my illness instead of pivoting around my disability and brain dysfunction, and doing something for my future. Will I be in breach of contract? or do i have enough to say they are acting in bad faith, their comments of me being young and getting back up on my feet soon, their dismissiveness of me wanting written communication, isolating me, lying about things like their assigned therapist and physiotherapist saying no additional intervention needed, vs what the physiotherapist said that he requested additional treatment and the insurer refused to cover it. My drs support me going back to school, but the case manager said if you can go back to school why cant you go back to work. If I go back to school, and they cut off my benefits, do I have reasons to sue them for acting in bad faith?
I want to know if I can sue my employer for sustaining a permanent injury in the work place?? After being on WSIB for 6 months. Its my back I feel it’s worth a secondary investigation
If my employers disability plan is worded “All source maximum provision Under this provision, the persons’s income benefit is reduced if the total of the following income and the income benefit exceeds the all source maximum shown in the table of benefits. The reduction is by which this total exceeds the all maximum. 1. benefits to which another member of his family is entitled on the basis of his disability under A the Canadian pension plan; B the Quebec pension plan; or C a similar plan in another country which has a reciprocal agreement with Canada or Quebec Benefits payable directly to the family member are not included “ Can they legally claw back my CPP-D child amounts? I know they can claw back my CPP-D. But can they claw back the child amounts?
Should the insurer propose a graduated return to work plan to my employer, and seek approval for this graduated return to work plan from my employer, before speaking with me, or my doctor?
I am on LTD For the last 3Years. I am also on CCP disability. I have a waiver of premiums through my LTD. Plan the company I work for has opted for a new plan and they want me to start paying my premiums for the health and dental part of the plan. Do I have to pay premiums again?
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