My English is not very good. Sorry if there are confusions.
I’m very fortunate for have came cross this forum. I’m sorry that my questions might not related to LTD. but I found what you suffered and the battle with insurance company are so much similar with our case with car insurance company. I didn’t find a forum about ppl dealing with car insurance company , and I’m sorry that I have to bring my issues here, but I find here might be the only place I might found advices and more importantly, understanding.
21 months ago, our car was totaled during a highway rear ended by another car. Their fault. Since then my husband who were sitting in the rear during the accident experienced pain in neck and back. He vomited initially and could sleep well due to the pain. He will only sleep for 2-3hours and failed to go back sleep again. Someday he will sleep for 12-14 hours. He couldn’t continue his work. All of this made him very down and had thought about suicide. Our doctor prescript some medications but those made him diarrhea very badly. He had seen a physio and it worked to a limited extent. Now the chronic pain, diarrhea and suffering destroyed him. He either is very down or very irritated. He refused to see the physiatrist that been referred to, because that doctor makes him feel even worse every time he came back from seeing that doctor. I find my husband start to forget things, lack of logic and couldn’t have a normal conversation with him.
Meanwhile, We are in a no fault province, after the accident, I couldn’t find a lawyer to turn to help. I find it’s very hard to keep contact with insurance adjuster. And they changed several adjusterS in the first year and only reimbursed my husband 3 months of medications which excludes antidepressants. When I finally keep contact with our adjuster, she said she need doctors notes to prove those medications are related to the accident. And for income loss, after asking my husband’s income tax forms, the adjuster no longer reply our emails. And now she said she send some files to the insurance company’s PT to review. And the PT said my husband’s symptoms are not related to the accident.
But I find the files the adjuster sent for review is just a portion of my husband’s doctors visit. They didn’t include family doctor’s notes and other specialist’s note. Is this considered bad faith of the insurance company? It’s almost 2 years now, time to sue?
Sorry for my long rant. I couldn’t find understanding outside until I came across this forum and saw so many ppl has to deal with insurance while suffering health issues.