First of all I would like to say what a great resource this is. I’ve been dealing with a disability and with the insurance companies for 5 years now and have been forced back to work a few times against my doctors advice. It’s been quite a nightmare and I imagine it is for many.
Anyway, here is my (long winded) question. I’ve been on LTD for almost 2 years due to mental illness & chronic pain due to multiple surgeries to treat endometrial cancer. In March my GP told me she received some forms from GWL. She wasn’t comfortable filling them out since she doesn’t follow my mental health that closely so she asked if she could tell the insurance company to send it on to my psychiatrist instead since he’s been the one who has communicated with the insurance company the most. I said sure that was fine. A few weeks later I received a letter from GWL stating that they required my doctor to fill out a questionnaire for them & if I didn’t comply they would cut off my benefits at the end of July. I contacted my case manager at GWL and asked them to send the forms to my psychiatrist. I didn’t hear anything back from them, granted I probably could have followed up with them, but instead mistakenly assumed that since I hadn’t heard anything from them, things got sorted out.
Fast forward to July, I stopped receiving benefits. I contacted my new case manager who told me that since I “refused to fill out their medical questionnaire & “despite multiple attempts to get in touch with me” they cut off my benefits. They have since gotten the medical questionnaire back from 3 of my doctors 5 weeks ago & I’ve left 4 voicemails with my case manager. But now it’s been 3 months since they have payed me. Do I have any legal recourse here? I am receiving CPP-D which they take off of my payments, and they are supposed to be withholding more because of LTD overpayments, but according to their letter, I was still supposed to receive some money from them monthly until I pay them back the overpayments.
Any advice is greatly appreciated!