Well - it’s finished. After being cut-off my LTD I appealed (& lost) so I initiated Litigation. My Employer changed my status to “Unpaid LOA”. A year after LTD ended my Employer terminated my Employment under “Frustrated Contract”.
I have now negotiated a settlement with the Insurer and can take that heavy burden off my shoulders. OMGawd it was a horrible experience! If I had the energy I would lobby the Government to put some very severe restrictions and guidelines/regulations on Disability Insurers!
Now onto finding an Employment Lawyer and start this process all over again - but I’m not as stressed out over this one as I don’t have to “prove” my illness. I now have a bit of breathing room once the cheque arrives. I consider this a win!