Hello,
Last January is when I reached the LTD 2 year anniversary. My file has been reviewed by the insurance’s expert, without asking for an update from my physician, who say that I am capable of working a sedentary job.
There are no documents in my file that indicate I am able to work and my physician would not support this and knows my multiple restrictions both physical and mental and has already notified the insurance in July. I’ve also had a new diagnosis that may complicate one of my original diagnosis and have sent that report to them (I have a few because my body failed me on an extraordinary basis)
I have been approved for DTC in Jan 2025 until 2030 but didn’t know I needed to tell the insurance. I will tell them now after reading some of the posts. I can’t see my doctor until May 15th but they want me to start a hardening program before that. Am I allowed to decline until I’ve spoken with my doctor because I’m worried it may cause more harm than good at the moment?