Tuesday, May 20, 2008

She Did It AGAIN!


The following post contains some pretty strong opinions and a few nasty words ;o)


She did it AGAIN! I can't believe it; she did it A-G-A-I-N!!!! Just when I thought I had this whole LTD insurance fiasco figured out, they pull another fast one >:o(

For those of you who are new to my Blog, here is a quick rundown. I've been on LTD for about three years now. After the first 18 months, the wording of my policy changed and because of that, the insurance company felt that I was fine to go back to work, even 'against' my doctor's orders. This caused a whole host of problems. There is NO room for being naive when it comes to dealing with insurance companies. DH and I quickly learned some of the 'tricks of the trade'. When we couldn't keep up, we hired a lawyer.

We won my back pay but I still had to continue working until things were sorted out. Due to my physical health problems, I only managed to get back up to 12 hours per week. As things progressed, my mental health started to disintegrate. They drove me to such a state, that in the end, I had no fight left in me :o( Finally, LTD let up and I stopped working in order to get some treatment. Now that I'm close to the end of that treatment, they are back on me like sharks circling their prey. I figured that this time I would be ahead of the game and I would begin damage control beforehand but little did I know they had one more trick up their sleeve.

I was told by my Case Worker, J that their 'Rehabilitation Specialist' would be in touch with me very soon. I cringed at the thought of dealing with P again and was hoping against all hope it wouldn't be her. She's a NITWIT! A total NITWIT! There is no other way to put it. I brought this up with my Occupational Therapist, N, and when she realized that I was talking about P, she validated my concerns and told me she was VERY familiar with P's ways. Good to know that P has made a name for herself....

Well...today I found out that P sent over a 'back to work schedule' to my specialist without even letting me OR my family physician know! WTF? At this point, we have no idea if it has been sent back or not because that specialist is away until Thursday. Since I saw my GP this morning, I know he had not been contacted AT ALL about whether my physical health still played a role in my going back to work full-time. It seems that LTD conveniently skipped over that.

I can't even begin to explain the rage that was building up inside by this point. It was almost like a volcano ready to explode! Thank goodness N was there. She made sure my head stayed on straight and we devised an action plan :o) I was able to get a hold of my GP and I faxed over a copy of the work schedule, along with another document. He has added his medical opinion and I can pick up that paperwork tomorrow. This will be faxed back to LTD as soon as possible.

My next course of action is to contact my employer because there is NO DOUBT they are in the dark about what is about to take place. This happened the last time and they were not happy. Quite understandable if you ask me. How would you like someone plunked on your doorstep without notice? I'm going to ask them for a meeting and N said she would go with me :o) I've got a number of accommodations that I will be requesting and if this cannot be done, then LTD will have to deal with that.

I'm SO tired of playing the victim but there is only so much that I can do. I thought I was going to be smart this time and get ahead of the game but it just goes to show that you can never be fully prepared. I really don't want to have to hire our lawyer again. I lasted about ten months the first time but I doubt that I have that much fight in me this time around. I think there is going to be a point where I'll have to ask myself if it's worth it to go on. It's a VERY scary option but maybe one that is best for me at this point.


Jennifer said...

Well that just SUCKS!!! I'm so sorry you're going through this - it's utterly ridiculous what insurance companies can get away with! Hang in there and keep your chin up! (((((Hugs)))))

Crazee4books said...

Hi Cathey,

Hang in there hon...don't let the witch get to you. Sounds like you've got many good people on your side and that's got to count for something.

After everything you've been through I have to wonder how these people can justify treating you like this. Heartless comes to mind. Lack of humanity too.

Wish there was something I/we could do to help. But at least we'll be here to listen and to offer moral support, and sympathy.

And we can get mad with you too.

Perhaps you could send P a few cuttings of $hit on a Stick, in appreciation of all her efforts.


May I say how lovely your beading of Stargazer is looking. It was cool seeing the close up picture that you posted, and seeing the true colours of some of the beads so clearly.

And your mighty worm hunter made me laugh...and cringe at the mental image that came to mind. Ick!!

Take care Cathey.

Jenn said...

I'm so sorry they are dragging you all though this again Cathey. Your in my thoughs and prayers. {{HUGS}}

Anonymous said...

That sounds like a nightmare. I hope you can get it all sorted out without having to get a lawyer again.

Karen said...

(((((((((hugs Cathey)))))))))) I hope it gets sorted out fast and P gets a good telling off

Faith Ann said...


If anything, at least you know what to expect this time around. Hopefully it's not drawn out for such an extended period of time this time around.

~Tammy said...

OMG, I am so sorry for you having to deal with this garbage. This sounds like a nightmare and someone with too much time to torture others.

I hope this is solved easier than you're anticipating.

Sending you great big hugs!

'Berta said...

Cathey, I feel for you! Despite having some good people in your corner, it only takes the actions of one to throw in a monkey wrench!

Take care of yourself, try and stay positive that this will soon be sorted out without the aid and expense of legal action.

Keeping you in my thoughts & prayers!

Rachel S said...

Praying for you.

It is a nightmare with insurance companies.

Chiloe said...

And I thought Canada was better than the US for the insurance companies, who just want to make money ... (and hurrah for the french system ;-) )

I'm sending you a lots of hugs and I hope you can fight them back ;) P stands for PA = pain in the a.. lol

WendyCarole said...

I am so sorry the are putting you through this again!

Irene said...

I'm so sorry to hear you are going through this again.

Carolyn said...

I can't believe this is happening again:( I can see how frustrating it is for you.I hope things can get straightened out before you have to get a lawyer again.

It is good that you have people behind you....

Try to take it easy and try not to stress about it(I know easier said than done) but we are here if you need us...

Lori-Ann said...

This sucks. Hope you feel a bit better after venting :o)

Rachael said...

I know I am a bit late but sending lots of {{{HUGS}}}