First, thank you David for providing such a great useful forum for us.
I had a car accident and has been on LTD for 2 years now. I just receive a email from my case manager that my LTD benefit will be cut off in a week. The reason is I refused to go back to the modified work which is provided by my employer.
Actually, I am still suffering a lot of pain and depression. The treatments are going on and none of my doctors suggested me to go back to work. Recently, my GP sent them my updated medical info told them that my condition getting worst because some of the treatments have to stop due to COVID-19.
A couple of months ago, my case manager told me that according to a report from their own consultant, I can work with some limitations. Then they contact my HR and told them i can work with some restrictions. They just ignore my doctor’s suggestion and never really care about my health condition. Just ask my HR to arrange a position for me.I just don’t understand how their consultant who never called me never met me and just jump to the conclusion that I am ready to work?
Last month, I had a TSA by the third party. After they receive the TSA report,my case manager told me that based on my TSA report, you are still meet the definition of disability, so the benefit will continue and the next step is Rehabilitation program. I said I am really appreciate and will cooperate with this program. I really want to improve my working skills thought this program and give myself more time to finish my treatment plan. But later on, he send me another email said they will hold the Rehabilitation program up because my employer provide a position for me. I told them I am not ready for work due to my bad medical condition. Then they cut me off right away.
I feel so helpless with this bad news. Will be no income in a week! Beside suffering chronic pain and depression, now there is an extra financial pressure on me. They just put me on edge suddenly.
I don’t know what to do next. Take legal action?or appeal like they told me?
Any input would be greatly appreciated.
English is my second language,hopefully I made my case clear.