Originally Posted by trychocolate
Well, that doesn't exactly answer my question as to the availability of insurance up here and what you are talking about, but selflessly helping others is a worthy cause indeed.
If you already have a pre-exsisting injury it's hard to get insurance but if you sign a disclosure that you will not hold them liable for the pre existing injury, or any further related claims to the spacific injury then you may get insurance.
I think it's a good idea to realy research the insurance company first.
Workers comp is mainly in place to protect your employer from liabilities, thus why paid by employer, although they are also said to help the worker and they do in many cases, they host some very good rehabilitain facilities, my personal experience I would never claim workers comp, rather go through personal insurance and would recomend this for any seroius injury.
Green shield is a good insurance company and although they may want a medical assesment done by any local docter they may still accept you with your present injury.
If you are in canada and determined unable to work there are options available.
You may claim early retirement and have access to your canadian pension due to your injury rather then collecting permenant disability like aish which doesn't pay very much.
If you get access to your canadian pension plan, weather you are injuured or not you may use this money as long as you are investing into your futare, such as a house, business or investments and so on. This is something very few people know about.
If I am forced to utilize my canadian pension I will make investments so that i will be able to live for the next 40 years as once you deplete this you will no longer be entittled to recieve retirement funds. So if you have a solid plan in place and think that the business or investments will be able to multiply enough or earn enough for you to fullfill your life i think this is a good bennifate but to take it and spend it unwisley could put you in a bad position.
I am willing to accept the fact that things will not be the same as they where and I know this is very hard for people to accept, we all must understand that behind all bad is good we just need to allow our selves to see it and I have.(there is a silver linning behind evrey grey cloud)
In time and with lots of bed rest I will eventialy be able to leave my house traveling further and further, I now know my limits and the signs that put me in the hostpital and being in my own enviroment allows me to controll this, when the signs come I mearly take medication or rest.
My restructuring and plan will be to operate my own business within my house, one that is not demanding but gives me a purpose, this will keep me in my enviroment allowing me to controll my injury.
I had a very hard time dealing with the fact that I will not be able to do the things I use to and I'm sure so have all you, ecspecialy when you are couped up in your house or apartment boy your mind can run to the point it drives you bananas.
Many people ask should they consider surgery I think that first we need to wiegh every thing out, so many people go for back surgery and find them selves going through this over and over again for years sometmes the rest of there lives, if this is the life you are willing to chance then by all means. with most back surgery there is an 80% chance of reinjury.
I read so many postes of people confused or conplaining of there surgery, some poeple 7- 8 years later. this is not the life I will allow this injury to lead. it was scary enough for me just to go to the emrgancy room let alone deal with this over and over again.
In some cases surgery may be the best option but I am only expressing my opinion.
I thought I needed this very much so when the pain would just not go away, and i wanted to do the things and activities I use to but we sometimes find ourselves trying to take the easy way out and this doesn't always give us the results we are looking for.
I tried many medications and nothing would take the pain away, I tried physio, and all kinds of things, what people don't think about is that when these methods don't work we should try to reconsider every possible methods sometimes starting back from scratch. I am on bed rest now after all this and taking a perscription called Tramadol which is a slow release medication. It doesn't make you feel high or confusion, it allows you to relax take naps with out pain and, sleep through the night while still maintaining a clear head.
The anciety is gone and I can get through the days, I can manage my injury.
i am only able to get around my house but i know eventualy i will be able to make it to the store and then the park with the proper rest, i have set up my office beside the couch untill i am able sit for durations.
Allthough we feel sorrow for our selves lets realy think about it, we get to retire early, everybodies dream and can can be very fullfilling we just have to figure out how to fullfill it.
I no longer have to live in the hustle and bustle of life and have a reason to relax when ever I want. If so I can relax at the beach or lake, as long as I am resting.
We can learn alot from our injuries we just realy have to reflect.
Before my injury I use to operate 8 businesses all at once always rushing never taking the time to breath and relize how fresh the air realy is, stressed to the max. Now I can build these businesses as pleasure and in my own time.
I use to spend money like there was no end, now I have learned to manage money very well and am able to handle large amounts of it. I mean conmon I never have to lift anything again weather it's 5lbs or not people do my shopping So I never have to stand in line again, people drive me when I want, it may not be a limo but I have a chouffer (driver). My wife never bugs me to take out the garbage mow the lawn or any maintenance any more ha ha But it bennifates the boy down the block who uses the money for school as he doesn't have much.
If it wasn't for my injury the poor boy would still not have much and struggle through school.
With my injury I struggled very hard to the point i almos lost everything spent many days with out food in my cupboards, and this has taught me to help others.
Every thing i do now is on my own time.
so every body has there own lessons to be learned but sometimes things happen for a reason although we may not understand at the moment hopefully you can search and find yours as I have.
I realy hope that this writing has helped someone deal with there injury, and as you know from reading the above i am always available if anyone needs help understanding or getting through there injury.
Have a good day and smile it makes you ook better.