Resolute Legal's Disability Claim Forum Forum

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here is a petition if anyone is interesting in signing. ourcommons.ca Petition e-7751 - Petitions 1 post - 1 participant Read full topic

Thank you anonymous1 and sunrise for your insight. Regarding the doctor’s note, can you suggest any specific verbiage? Or, just a simple note stating patient is not ready for return to work therapy? Also, is it better if the note comes from the doctor or the psychotherapist? Thanks, Desmond.

Your insurer can’t force you, but if you refuse, they can cut off your benefits for not cooperating. Early in my LTD, my insurer put me on a CBT program for insomnia. It made me much worse after a week. My psychotherapist for the CBT program contacted my insurer about my deterioration and that I was probably not fit for the program. I also told my insurer that the advice from my CBT psychotherapist conflicted with my sleep specialist. My insurer immediately took me off the program. I would at least show you are cooperating, and try the program. If it makes you worse, tell your therapist. Also have your doctor write a note to your insurer to take you off the program. I don’t think they will send you for an IME yet. They may send you for an IME about 3-6 months before your COD. I had an IME at my COD. It turned out to be in my favor.

The contractual agreement says you are required to participate in return to work activities such as physiotherapy or CBT or whatever. It does have to be medically reasonable and the only person who realistically can stop it is your doctor. I would reach out to your doctor as soon as possible

I have been on LTD since Sep 2025. COD is 30 Sep 2027 Recently applied for CPP-D based on demand by insurance company - too early for any outcome. A new situation has cropped up with my LTD insurance company, as follows: My case manager is telling me to ask my psychotherapist to perform “return to work focused CBT”. I don’t feel I am ready to start planning my return to work yet. I am still undergoing medical treatment, and at the last doctor’s appointment, my medication dosage was increased. In the Medical Report filled out by my doctor as part of CPP-D, he indicated that I am not ready to return to work anytime soon (selected “Unknown” for Section 6, Question 2). Can the insurance company force me to initiate RTW CBT therapy? Will they send me for IME if I don’t? What should I be asking my psychotherapist, and how should I respond to the insurance case manager? Any help appreciated.

I have been on LTD since Sep 2025. COD is 30 Sep 2027 Recently applied for CPP-D based on demand by insurance company - too early for any outcome. A new situation has cropped up with my LTD insurance company, as follows: My case manager is telling me to ask my psychotherapist to perform “return to work focused CBT”. I don’t feel I am ready to start planning my return to work yet. I am still undergoing medical treatment, and at the last doctor’s appointment, my medication dosage was increased. In the Medical Report filled out by my doctor as part of CPP-D, he indicated that I am not ready to return to work anytime soon (selected “Unknown” for Section 6, Question 2). Can the insurance company force me to initiate RTW CBT therapy? Will they send me for IME if I don’t? What should I be asking my psychotherapist, and how should I respond to the insurance case manager? Any help appreciated. 4 posts - 3 participants Read full topic

Thank you for sharing your experience. I’m sorry you had to go through that, especially having your symptoms flare for weeks afterward. That is honestly one of my biggest concerns if they decide to proceed with an assessment. I have a similar illness with significant central dizziness, fatigue, brain fog and symptom flares after relatively limited activity. Even things like a longer phone call or a short outing can leave me significantly worse afterward, so I’m concerned that a prolonged functional assessment could take a serious toll on me. My case manager has told me that an assessment may be something they want to complete before potentially moving my LTD file to a maintenance phase, basically to confirm my current functional abilities. I’m already approved for CPP Disability and my doctors continue to say that I’m unable to work. If they do go ahead with the assessment, I’ll definitely speak with my doctor beforehand about whether there are any precautions or limitations that should be documented. I appreciate the warning about making sure the assessment is appropriate for my condition.

I have a similar illness and had to undergo a 2-day OT exam, scheduled 2 weeks before my COD. My symptoms flared for weeks afterwards, it was awful and very harmful. And I had a very well-informed OT who shortened the 2 days to accommodate my illness. Make sure you have medical clearance. It sounds like they are just ticking a box before the maintenance phase. This might not be appropriate depending on the harm it could cause. I recently found out that they don’t even have a copy of the report from that exam despite having approved me for any occupation, so it wasn’t even necessary.

So they did contact me 3 months after my post, now it’s going on for 13 months since last call. Still not sure what to think of it . Am I worried too much ?