disability and Fibro
I have been on short term since Jan/09. My short term ran out in mid may, and Long term is supposed to kick in after that. I've been thru this before with Manulife (private LTD carrier thru work). So, they sent back a letter saying they were denying the claim as there was not enough evidence to support a claim. So, I got the info they were asking for from my primary care giver. I am currently enrolled in an intensive cognitive disorders course with a Psychiatrist, Social workers, Nurses etc. I highly recommend it if anyone ever gets a chance to take it.
So, I am now in the waiting game - I know they will eventually have to approve my claim as my primary says its not likely that I'll ever be able to return to work due to my numerous health issues that are not responding to treatment. I've been diagnosed with Fibro, Periferial Neurpathy, Major depressive disorder, chronic vertigo, post herpathic neuropathy chronic hearing loss-I'm loosing my hearing every day.
So I know that with the private company coverage is different from the government SSDI as I'm in Canada. I don't have a lawyer as I really don't have the money for one. They approved me last time - 3 months AFTER I returned to work. I had returned to work for a year and it was not successful - thats why I went back on disability. They arn't considering it a continuation of the original claim as it was more then the "time" they said was a continuation.
Well, here goes the waiting game. Anyone else on disability with a private company - specifically Manulife? Any suggestions you can share to ensure that I am successful in my claim for disability?