Retraining while on LTD

No, I mean Insurer. Your case manager identifies cost savings strategies. If you have a complex diagnosis ie; depression, chronic pain, chronic fatigue, Complex regional pain, Fibro----those claims are most likely to be targeted for strategies to get you off claim. Even with CPP-D, those claims require a great deal of proof to be accepted.

Your insurer will often refer you to a physical activation program so they can show you are pain focused and such.
The psychologist/psychiatrist will likely say you just need CBT therapy to challenge your dysfunctional or mal adaptive thought process.

The end result is you are choosing not to get better and work would be helpful. There is such bias and stigmatization on these claims that the Insured/claimant can be very harmed by these tactics.

1 Like