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I have been off work for 3 years due to a medical diagnosis and treatment. I had STD for 6 months and have been on LTD since then. I qualified for the "change in definition" at the 2 year mark. My insurance company recently asked me to apply for CPP benefits and told me I have 3 weeks to apply. My doctor has told me that she does not believe I will qualify for CPP, but that I should continue to qualify for LTD regardless of the response about CPP benefits. My health is slowly improving and I am hopeful to be able to return to work in the next 6-12 months. My question is about what information is shared between the government and the insurance company if I am denied CPP disability? Is the insurance company provided with the reason for denial by the government? What financial information could be shared between the government and the insurance company, i.e. my tax return info, my spouse's tax return info, etc? I feel this is private information and I am not comfortable with that being shared with the insurance company in case it impacts my family. Should I go ahead and apply for the CPP disability at the request of my insurance company? Thank you.
Long haul Covid-19 Hello, I am in my mid 40’s and I caught Covid-19 back in March 2022 and have been off work ever since (symptoms such as extreme exhaustion, SOB, brain fog (trouble concentrating, remember and putting items into action to name a few). In July 2022, my disability benefits began. In April 2023, my case manager sent me for a two-day Neuropsychological IME. Half way through the second day I had a major “energy” crash causing me to become very weak both physically and mentally. The IME Doctor decided to postpone the rest of the testing and I needed assistance to walk out of the office building to the car. The following month I complete the remaining tests. My case manager called after and informed me they were “bookending” the IME with another an Independent Psychiatric Evaluation (IPE). I am still waiting for copies of the reports. Last week I received an email from my case manager that says “As we have a fair amount of new medical information, I am referring your file to be reviewed by a medical consultant at the head office who has a background working with Long haul Covid.” They also sent a document asking for me to describe my education, training and experience as well as sending a resume As a result of watching your show, in the past, I felt that my case manager was applying pressure for me to return to work and would often make quips. I now have an advocate that attends any meetings and also completes meeting notes that are sent after the call to the case manager. In addition, I have a wonderful medical team (GP, OT, PT and Social Worker) that are very supportive. I want to get better, enjoy my life, and return to my career. I currently do not feel capable of returning to work. Question: I feel with the back-to-back IME and now the “consultant” my case manager is trying to find a way to cut my benefits via some kind of back to work training, boot camp or just cutting the benefits. Is it typical to have this many IME’s and a consultant as well as completing education and training forms?
Can insurance company ask for access to my medical records for long term disability?
I have been on LTD for 1 year and have just been approved for CPP Disability. Prior to getting approved I was put on a rehab program from the Insurance company stating that it was an obligation of my contract with them. Now that the insurance has been notified by me that i was approved for CPP Disability they are still forcing me to continue the rehab in hopes of getting you back to gainful work. Can they do this and how do i get them off my back. I dont really care about the benefits. This is only causing excess stress.
My LTD policy (of which I have bern receiving payment from for 4 years) says I must ask for permission to leave the Edmonton area. I would like to visit family and take a trip next year, will I be putting my ability to get paid in jeopardy by asking to travel? Is Alberta Blue Cross allowed to limit my freedom of movement? My family may also have to move provinces for my husband’s work, Alberta Blue cross said they will cut off my payments if we move. Is the legal? Thank you for your time.
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