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I've been on LTD since November 2024. My adjuster has already sent me for an FCE (February 2025) and threatened to cut off my benefits if I did not attend. I keep in regular contact with my adjuster, consistently updating her on appointments with my doctors. On June 11, I had a radiofrequency ablation on my lower back. While it has relieved some pain, I am still in quite a bit of pain. On June 16th, I had a phone call with my adjuster, I informed her that my pain doctor said I will need to have more ablations and the next one will be booked after July 25th. During this call, my adjuster said she wanted me to attend physiotherapy, which I am fine with. I received a call from someone else from the insurance company on July 3rd who stated that I would be contacted by a rehab clinic to set up physiotherapy appointments. Yesterday, July 8th around 7 PM, I received an email from the rehab clinic telling me they booked me 3 appointments over 2 days. The first day will be a 1 hour physiotherapy appointment followed immediately by a 40 min occupational therapy appointment. Then the next day would be an hour long kinesiology appointment. My doctor agreed to the physiotherapy but I haven't been able to talk to him about the occupational therapy or kinesiology as he's on vacation for 2 weeks. I wasn't even told in advance about these two. I also have an appointment at the end of August with a different doctor to discuss multiple cysts throughout my back which are in addition to the 6 herniated discs that caused me to go on LTD in the first place. I feel like my adjuster is trying to force me to return to work asap. Do I have to attend the occupational therapy and kinesiology?

I began working for a law firm in Toronto beginning of Nov 2015 and made my 3 month probation beginning of Feb 2016. I was hospitalized end of Feb 2016 for 2 weeks and was diagnosed with MS. I’ve been on LTD since (I’m only getting 60% of my wages and am struggling financially). My old position is no longer available. If I hand in my resignation, do they have to pay me for the past 9 years of accrued vacation pay (I started with 4 weeks vacation, and after 5 years I believe I would have gotten another week of paid vacation time)? Also, if I do quit and go to another firm, as the MS is now a “pre-existing condition”, will it affect my ability to get benefits (medications, short-term disability and long-term disability, esp if I have a future flare-up and have to be off for a period of time (as MS is unpredictable, I don’t know how I’m going to feel day to day, let alone when I have a flare-up, nor do I know how long it would take for me to recover)?

My insurer asked me to apply for CPP disability so I have. I was denied mainly because I didn't have an update from any doctor besides my family doctor since the beginning of 2021. My family doctor and myself have been trying to get an update from a specialist. However they keep rejecting the referral saying that the diagnosis has already been made and that they don't do ongoing follow-up; the nature of my condition is neurological. I have already appealed the CPP disability application and my doctor and I have been continuing to do referrals. Recently I decided to try perhaps a physiatrist versus a neurologist referral to see if that might speed things up. And I should clarify that I have been following the suggested treatment plan with the relevant therapists. Appreciate all of your advice!

I have been on LTD for 3 years. How often should a case manager want you to check in if they have already approved you until age 65 and you are 56

Hi, would you have a reference for equivalent services in Québec?

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