I have been on LTD since Sep 2025.
COD is 30 Sep 2027
Recently applied for CPP-D based on demand by insurance company - too early for any outcome.
A new situation has cropped up with my LTD insurance company, as follows:
My case manager is telling me to ask my psychotherapist to perform “return to work focused CBT”.
I don’t feel I am ready to start planning my return to work yet.
I am still undergoing medical treatment, and at the last doctor’s appointment, my medication dosage was increased.
In the Medical Report filled out by my doctor as part of CPP-D, he indicated that I am not ready to return to work anytime soon (selected “Unknown” for Section 6, Question 2).
Can the insurance company force me to initiate RTW CBT therapy?
Will they send me for IME if I don’t?
What should I be asking my psychotherapist, and how should I respond to the insurance case manager?
Any help appreciated.