I just went through a very lengthy appeal of 6 months that was recently accepted under the “any occupation” for the second time however the letter I received states “effective to the earlier of: your ability to return to work to an alternate gainful occupation or October 15th 2017” and i have to sign it before they give me any money.
I received this letter on July 3rd which gives me roughly 3 months of support before they plan to cut me off again. I have suffered extreme stress for the last 6 months because they completely cut me off with no support without any warning and I have maintained that I am unable to do what they say and have provided documentation to support this that they have denied. They expect me to return to 70% of my previous position which was full time. I tried returning to work 2 years ago to a 0.5 position and was unsuccessful. I feel as though i could maintain 12-15 hours a week, either 4 or 5 hours every other day. After that the pain becomes intolerable for me. This is not 70% of my previous employment. I want to return to work and do something but i can’t do what they say i can do, I can only manage so much before its painful and I can’t concentrate. I am frustrated and overwhelmed with stress. I have a psychiatrist referral in the works because i have been suicidal and i plan to do more intervention with my physical issues to provide them with updated info to show what i am suffering with and how my condition has not changed. I can’t possibly complete all this within 3 months, along with rehab they expect me to complete. I don’t know how to do all this within the time frame they have allotted me.
Is this letter fair? To say i qualify for benefits only for 3 months before i will be cut off again? I have done the rehab services before when i tried to RTW 2 years ago and it didn’t help me. My specialists claim there is nothing more they can do to help me, they have explained that i can maintain 3-4 hours before its too painful (I also suffer horrific migraines if i go beyond tolerance) so the fact that the insurance company is forcing this RTW or they will cut me off is overwhelming me. My file has been handed over to 4 different caseworkers in the last 6 months and I feel like no one is really managing my file properly. The person who made the decision to cut me off had my file for less than a month. I am 36 so it seems like i should be a healthy individual who should be able to work more. I struggle with sitting too long and my background is computer work so i really don’t see any other job for me within my employer that doesn’t require me to sit at the computer all day.
I don’t want to be on LTD forever but i need support to change to an “alternate gainful employment”. Can I take any courses while on LTD to try and change careers that may work for me so that I can be employed? I have seen online courses that i can do at my own pace that i may be able to do but i am not sure if they will cut me off because i am trying to better myself and they’ll see this as me being capable. The last time I was supposed to be on a GRTW they cut me off immediately, even after i failed to be successful and it took a further 4 months to get back on so I’m really anxious about making any form of what seems like progress when i need ongoing support before I can make it on my own.
Your response is greatly appreciated, sorry for the length