Wonder if anyone has experience with this and can comment?
I’m 90 days (July) from 2 years and COD. In February it was determined I need a different treatment ie. a surgery to be able to properly function and return to my own occupation. Forwarded the diagnostic assessment to advisor.
Haven’t heard back from my advisor and in fact was notified in March I would have a different advisor temporarily.
I’m still waiting on the health system for this surgery and running out of time!! Is there any hope will extend me if I’m able to have surgery before July COD cut off? I would expect the rehab would be 5-6 months post op.
If you need the surgery to be able to work then presumably you will still be disabled after the COD date. Your file is probably a low priority until after the surgery.
Thanks for the reply! I appreciate the fresh perspective and am hoping I’m a low priority for them at the moment.
I’m in a physically demanding occupation and being pushed into sedentary work which pays 60%. I was forced to attend a FCE which had been scheduled prior to the revised treatment plan.
Just heard back from Canada Life and my claim is closing end of July! I haven’t had my surgery yet and therefore not finished treatment!
CL had sent a form to my dr asking if I could do light duty work “until my surgery” (not yet scheduled)as the FCE ranked me as being able to work within the light duty to sedentary work. We said I would try!!
Now they are closing my claim as I’m able to work within the light to sedentary range.
Also based on my education, experience, and current condition “I should be capable of working at another job.”
Is there a way to appeal this decision? Or best next step? I’m wanting CL coverage until my next surgery is completed.
From a large disability support group I am in it seems like CL is one of the biggest offenders of breaching LTD policies by using really fringe/suspect “able to work” language to illegaly terminate LTD payments. I know of two employers who will be switching to another LTD provider because they are pretty disgusted with how CL treats their clients.
In your case, don’t appeal just get a lawyer (you’re here in the Resolute legal forum so call Resolute and get your free consult).
@Buckets365 Thanks for the reply.
Yes fringe language for sure. I’m 13 months from full pension so this is a tough call also surgery is probably only 2 -3 months away.
My policy indicates there is a recurrent clause up to 6 months
"Recurrence of Disability
An EMPLOYEE’S DISABILITY can be considered to be a recurrence of his
previous DISABILITY provided the following conditions are met:
a) the EMPLOYEE has received benefit payments under this AGREEMENT,
b) for S&A, the EMPLOYEE becomes DISABLED again within 12 weeks after the
previous DISABILITY ends, and for LTD, within 6 months"
Was wondering can I go back to work for a week or so and start again with a claim?
Honestly, my opinion is since CL said they are ending your claim in July I would get a free legal consult from Resolute and follow their advice. From what I have anecdotally heard trying to “work with” CL will cause you ALOT of stress that will hamper your recovery.