I have been on LTD for 4 years and during that time they have denied and re-instated me several times. It’s been beyond stressful and I feel like they have caused my mental health deteriorating. I have gone through 4 caseworkers. My file is huge, I have a physical disability and I am dealing with major depression and severe anxiety. I know I am unable to work at the capacity they expect of me (minimum of 70% of my previous job). I get major pain after 3 to 4 hours and have to stop anything i am doing. I suffer from severe migraines each week that last anywhere from 24-48 hours. They can wipe me out for days afterwards. My doctors have stated there is nothing that can be done about my physical pain and this is a “life long disability” for me. My current caseworker had me attend an independent psych assessment which is 16 pages long of basically saying I have serious mental problems. Doctors have written there is “optimism” of me getting better mentally and that i should be encouraged to work but not beyond my tolerance. I have told the insurance company I could possibly manage 12 hours per week but my pain symptoms make me unreliable and I don’t know when my migraines will flair up so I’m really scared to enter into a work contract and fail (what employer will want to hire someone so unreliable?, I’m sick all the time). The insurance company came up with a 6 week intensive return to work plan, including 10 sessions of pysch counseling and 2-3 times per week rehab that states I will be improved by 50% in as little as 3 weeks and will return to part time for gradual return to work 6 weeks after completion of the rehab and then full time there after. All my doctors have written that rehab will not benefit me but they have sent my file to rehab anyway.
I don’t know where they come up with this. When my file shows evidence of ongoing issues for 4 years (and counting!), they decide I will be “cured” in as little as 3 weeks! This is also the exact plan they forced me into 2 years ago and I failed and had to return to LTD.
I feel as though they are not reading the evidence in my file that proves I should be on LTD. My new caseworker doesn’t seem to read anything. She is now withholding my funds until my doctor fills out some forms of why I can’t participate in the return to work plan. Right at Christmas! I have been doing everything they ask so I find this approach really unfair.
I feel like I am being harassed to return to work when i am unable. They have all the proof but somehow its not enough?? What can I do?? Will i be harassed to return to work until i give up? What can i say to my caseworker to make her understand ? How can i get them off my back?
She phones me every 2 weeks to follow up on how I am doing and I tell her nothing ever changes. I am stuck with this disability and this pain and I just can’t work at the capacity they expect of me. My benefits state they have to pay me unless I can work 70% of my previous pay. She only extends my benefits every 4 months and then tells me i will be cut off unless i can prove other wise. This is causing me huge anxiety. My condition will never change, its all there, and I don’t understand why i need to keep going to the specialist who continually tells me theres nothing more he can do. I am at a loss of why i have to keep telling them the same thing over and over.
What can i do to end the harassment and have them believe me once and for all? or is this a nightmare I have signed up for because i am disabled? Its not fair