I have been on LTD for just over 2 years now and doing a gradual return to work for the last 6 months. I went off for mental health reasons. Going back has been VERY difficult. I lost a significant amount of hair, I have panic attacks at work. My rib cage has been inflamed for the last 6 months and I have migraines 4-5 times a week.
I had a workplace violence situation and my ER was not happy I reported it and retaliated against me on several occasions. They even said what happened wasn’t a big deal because I was friends with him at the time. Now being back I am being treated very poorly, they are also refusing to meet my accommodations and it has greatly affected my ability to work. I am not able to always work the hours that my dr has stated but my accommodations state that I require flexibility with my schedule. My ER has told me that they don’t think my return to work is successful. I am pretty sure they are getting ready to fire me.
Recently my ER reached out to my LTD provider and I was contacted by my case manager. They were very aggressive on the phone telling me that my ER reached out to them with concerns over my RTW and they had a conference call. They stated that my ER was putting pressure on them. I didn’t understand what they meant by that. My case manager said that I need to find a different therapist, try different treatments and start riding out side effects from medication because everyone is sick at first. I have had significant side effects from medication beyond the typical side effects. I have made LTD well aware of the side effects I have been experiencing and it would not have been safe for me to continue the medications.
In October my psychologist sent a lengthy report to them and my benefits were extended past the 2 year mark. I recently sent them 2 reports from a neurologist and psychiatrist. Together these reports were over 15 pages. There was a lot of detail and treatment plan and alternative plans listed and support my disability.
Now LTD is requesting full reports from all doctors including the psychiatrist again. The psychiatrist told me they do not fill out forms or write doctor’s notes. I let my case manager know this when we last spoke but they still are requesting the psychiatrist fills out forms. The information they are requesting is all included in the consult notes that I sent them. They cover everything and they were from a month ago. Now LTD is requesting the EXACT same information just sent to them. Why do they need duplicate information???
I understand they have to continue to determine my eligibility and periodically request information but when does this become harassing behaviour? They currently have all the information they are requesting and it was from a month ago. The psychiatrist spent 3 hours with me. The report is incredibly detailed.
I am getting better, just not at the pace they would prefer me to. I put in a lot of effort and these situations really set me back. Part of the reason is, my workplace is so toxic that it makes it hard to get better. HR was fine with my return to work until my manager made an issue with it and now I am dealing with LTD hounding me. I am terrified that I am slipping back to a place where I will have to go off work again. I hated being off work. I can’t do that again. It was such a horrible time in my life. Their tactics are counterproductive. As much as my workplace is toxic, not going to work at all also negatively affects my mental health and will cause a decline in my health.
When I spoke with my case manager it also sounded like they were aware that my ER was getting ready to dismiss me because of an unsuccessful return to work. What happens to my LTD if I do get let go?