I am outraged at the situation I find myself in. First, I have been a Financial Advisor/Planner for eighteen years with the same agency. My diagnoses was delayed by at least ten years. I remained a Financial Planner because I could work with my condition as I made my own schedule. The problem began three years ago in that I could no longer meet the demands of my work. My clients refused to let me leave, bless their hearts so I bought a retail business. The goal was to take my passion, dogs, and make it my business. I wanted to train a manager so that I could slow down. The outcome was two years of working fourteen hours a day and my body finally shut me down. I could no longer walk. My spouse drove me to my GP who said it was Fibromyalgia and wanted to give me yet another drug. I refused to leave without a requisition. If that was not positive then I wanted MRI. The following day the blood work came back and I was off the charts in all markers including Nuclear AB.
That was in July 2015. Since then it has been an endless stream of specialists , tests and drugs. The insurance company first forced me to comply with treatment, even though I have several autoimmune conditions which are not curable. I also have a very long list of drug allergies. So I qualify for ltd based on definition (disabled from any occupation). I also qualified for CPP Disability. Now the IC wants me to repay the disability benefits I received. So despite paying premiums for eighteen years, they want it back. This after forcing me to comply with treatment. I have been trough four DMARDs and three Biologic. Humira, Orencia and now Rituxan. I have had ulcers, rashes, Pityriasis, gastric issues and worst of all Migraines. They are without question the worst.
Then to top the cake, today I get a letter asking me to pay premiums on disabilty! WHAT! I get no benefits, they want a repayment of the benefits I did receive and they want me to continue paying premiums. I do not care how much brain fog or cognitive impairment I may have, that is simply ridiculous. I called my case manager ! Or write as I keep those records, she responds with that is the contract. So I insist on a manager and just spell it out. She is now looking into it. I was going to arrange a repayment until I got a request for premiums. It reminded me that I paid a great deal of money over twenty years for insurance to protect me from exactly what is happening now. I also have a Critical Illness policy with this company that I have been unable to collect. It is beyond ridiculous. I have been using the foundations press kit to lobby our MLA's regarding these issues. The other major battle has been trying to get DTC back time. The DTC moving forward was approved emmidiately. I have paid CPP for 38 years. I have paid both sides employer/employee for twenty years as I am self employed. I refused to give up. They are just playing games. I do not fear Revenue Canada. I have dealt with them for years.
If I get nowhere I intend to get public with these issues as I am quite certain I am not alone. The system is set up to have you feel quilty about asking for what we pay for every year with taxation. Suddenly, I no longer matter. I intend to fight this every step of the way.
It is truly sad to see how people react. They never seem to disappoint. I expected so much more. I worry about my children's future. They have been raised with ethics which no longer seem relevant. Social media is destroying our lives. No one interacts anymore. People are vicious. A young 17 year old girl hung herself at the end of our street. It was discovered that she was being bullied on social media. Dr Phil had a story of an 11 year old boy who hung himself after his 13 year old girlfriend pretended to kill herself, a prank! What is this world coming to?