I would like to share my story with LTD Carrier, just in case someone might find it useful in the long run.
I have been on approved LTD claim for mental disorder since September of 2016.
As I was nearing my 2 year mark (10 months to go) I was referred for Cognitive Behavioral Therapy through the carrier Rehabilitation Specialist (Vocational Training Program).
I had few sessions and I could sense it was becoming harder and harder as each session went by. Therapists are not independent as they claim. I know this has been mentioned in this forum numerous times but it doesn’t hurt to reinstate that.
I participated, never missed a session or homework. The issue was I was unable to reach 80 % or higher functionality in activities listed. So they cut me off claiming that I was non compliant with the program.
Just like that.
I am of an opinion that once you are referred to Rehab Specialist for Vocational Training Program that either you get cut off because you can reach 80 % of functionality hence you are able to work or you get cut off because you cant reach that and they will fancy it with Non Compliance/Adherence wording. Either way, if you are nearing your 2 year mark like me and are part of Vocational Training program you will get cut off at some point.
I have no intention in appealing their decision through the Carrier as it is waste of time and efficient weapon to further discourage us along the way.
Instead I am shopping for a disability lawyer near my area (Southwestern Ontario) and will be serving them with statement of claim shortly (hopefully in the next 2 weeks). I will also claim punitive damages, mental distress on top of asking for reinstatement and interest.
I am disappointed that David does not service our region directly otherwise given the wealth of advise and information he would have been my number one choice.
I hope you find this useful. My piece of advise, once or if you are asked to enroll in rehabilitation, please remind yourself that they are not there to help you or be the person you lean on rather dishonest bunch of people waiting to get something out of you to reason their ill fated decision.
I wanted to share this story as appreciation for the forum, David and active members.