Can you negotiation your LTD over payment?
I am currently on LTD and I am waiting to hear from WSIB. But it looks like I am going to have to appeal WSIB. If I do win my appeal I will have an over payment with LTD. Can this debt be negotiated? So far I have been collecting LTD for a year.
I am barley getting by and can’t afford my health care costs. You’re off because your sick but the way these programs work does not do anything to support your health. Every time I speak to them it’s some sort of harassment (e.g. words from my case workers: I wasn’t sexually assaulted at work because there were no witnesses, all I need is meds and I would be fine). Every time I talk to one of them it is constantly these types of comments. Not to mention the hoops and lies. Contacting me the day after my drs appt to get more medical information when they were well aware of when my appointment was. I even asked that they contact me before my appointment if they need more medical information. It is difficult to get an appointment at my doctor’s office and they are well aware that I have a difficult time leaving the house. It feels like constant games. Their actions have made me sicker and it is difficult to get better when they hold your survival in their hands and shame you at the same time.
Right now it is hypothetical question, but all I do is try to find a way out of this hole. If I can negotiate the debt I will be able to afford my medical expenses and hopefully get better. If I get better I can get away from LTD and WSIB and my toxic workplace (my workplace spent 3 years trying to cover up the assault and harassment).