Call from nurse with the CPP-D program - what to expect?


#1

Hi all,

I applied for CPP-D at the end of September, and today I got a message on my voicemail from a nurse with the plan wanting to go over a few questions with me. I will follow up with her tomorrow, I am just wondering if there is anything I should expect that they may ask so I can be a little prepared? I only have the truth to tell about how my condition has affected me, but I know that sometimes how you phrase an answer to a question can make a huge difference. Thank you!


#2

We didnt get a call. David may know.


#3

I think you have to be more careful about phrasing answers to an insurance company.
I think it would be similar advice as it was for your application, don’t speak in absolutes, say “sometimes” or “frequently”.
I never got a call either.
I don’t know what to expect.

Best wishes and let us know how it goes (and what the nurse asks).


#4

Well that was anti-climactic. She basically just told me I have been denied and a letter had been sent, and went over the reasons and appeal options. I expected to be denied so I wasn’t that surprised (and my lawyer can now add to my file that I did apply in case my work insurance LTD co brings that up during my case against them.) At least it didn’t take long to get a decision, even though it wasn’t the one I wanted.


#5

Did the reasons they gave make sense to you?
Do you expect an appeal to be successful?

Best of luck.


#6

Thanks, jammer. My condition is chronic intractable migraine. Because my specialist had noted that my current treatment (started not long ago) tends to have success in a lot of cases (because it does), the nurse said that technically I haven’t gotten to a point where we’ve exhausted the possibilities and have no hope of becoming well again. Unfortunately for me, most of the many treatments I’ve tried have a certain success rate…but not in my case. So she said to appeal if this doesn’t end up working. sigh. Having been off work for over a year certainly seems prolonged to ME, but I see where they can find the basis to deny it if they use that reasoning.

I do plan to appeal. I see my specialist again this week. The nurse was helpful and not at all intimidating to speak with, and did mention that CPP-D is often much harder to qualify for than LTD through employers insurance plans - for example, my insurance company needs proof that I cannot work my own occupation, whereas CPP has a broader scope and has strict legislation behind it. I don’t think I’m explaining that quite right though.

I’ll pass it along to my lawyer when I get the letter and see what he recommends.


#7

Sorry to hear that you were denied.

But why did you hire a lawyer?


#8

Hi Elaine, thanks! I hired a lawyer as I was denied both appeals for LTD with Sun Life through my group policy at work (I’ve been on a LWOP since last year.) David was kind enough to do a consult with me and recommended an affiliate closest to where I live. After speaking with the affiliate, he agreed that I have a strong case and has taken me on as a client. Fortunately my physician and specialists are all very supportive as well.


#9

I hope one of the treatments does work or you get accepted by CPP-D.
Your insurance company sounds stupid, they should approve the LTD for at least the first 2 years.
I hope it works out for you.


#10

Nip, hope everything will be resolved soon. Good luck with both cases!