Showing posts with label injured. Show all posts
Showing posts with label injured. Show all posts
Wednesday, January 6, 2016
Surviving a Collision blog ending soon
I have a hearing date next week for my appeal for CPP Disability benefits that was launched back in 2008.
Surviving a collision since 2007
http://survivingacollision.blogspot.ca/2014/04/surviving-collision-full-story.html
You can find me on twitter @Bears_world
You can find me at Canadian Insurance News
http://cinsurancenews.blogspot.ca/
Service Canada Research Centre
http://servicecan.blogspot.ca/
Please use the contact forms at the bottom of those pages to contact me, thanks.
Bear.
#CPPbacklog
Tuesday, September 29, 2015
Social Security Tribunal OUT OF SERVICE Backlog
The rush to relieve the backlog of thousands is on at the Social Security Tribunal of Canada.
Minister Jason Kenny
said the backlog of thousands would be gone by this summer.
I emailed the Social
Security Tribunal and was informed that I had been given the wrong
number by them and it should have been 1-877-227-8577.
To make matters
worse the email he replied back to me with quoted someone else s case
number! Not mine!
Am I in the twilight
zone?
I was a MVA victim
in 2007 after a fatal 3 car crash. My application for CPP Disability
Benefits was launched in 2008. I still have not received a complete
copy of my file, and a lot of what they have sent me so far, is
unreadable to any human. At least they didn't leave my medical-legal
file on a bench in front of our house unattended this time.
The latest opinion
from xxxx the Medical Adjudicator at Service Canada in August was
that I have not established a Disability that is “Severe and Prolonged”.The (hired gun)
Adjudicator out of the Chatham office goes on to say that I did not provide any medical
documentation to support my Disability.
They have however
acknowledged receipt of my 105 page fax to them with the case file
number GD37-1. The fax included the Ontario Superior Court of Justice
Mediation Brief that included medical documentation to support a
finding of a “severe disability”.
My submitted Doctors findings should
not be taken lightly as they come from respectable sources.
One
submission in the Brief is from a Doctor with a 25 year career in the
hospital sector focusing on neurological disorders, schizophrenia,
and pediatric brain injury and pediatric oncology including
consultation to the hospital MS Clinic an acute psychotic disorders
clinic. He has a long career in psychological research and scientific
publication and presentation. He has published in the areas of
chronic insomnia, neurohorrnoes in schizuphrenia, metabolic brain
imaging in schizophrenia (positron emission tomography), and
neuropsychology of schizophrenia. He carries out psychological
asssessment and treatment, supervises clinicians, and carries out
psycho legal and multidisiplinary-legal assessments and testifies at
Arbitrations and Court. He was the Director of the Hamilton
Medical-Legal Society and past President. He has been co-chairman of
the Ontario Psychological Association Task Force on Auto Insurance.
He was appointed by the Minister of Finance to the Accident Benefits
Advisory Committee for Bill 164. He was appointed by the Minister of
Finance to be a member of the Ministers Committee on the Designated
Assessment Center System for Bill 59 and held the position for a
year. He was appointed to the Expert Panel reviewing the Catastrophic
Impairment SABS. He was a founding member of the Canadian Academy of
Psychologists in Disability Assessment (CAPDA). He received the Karl
Heiser Presidential Award from the American Psychological Association
and the Ontario Psychological Association Award for his advocacy
efforts on behalf of professional psychology. He received the OPA
Lifetime Achievment Award.
Other medical-legal
documentation provided to the Social Security Tribunal was from a
doctor whos is a registered psychologist with areas of competence in
rehabilitation and clinical psychology. He is a partner at a
psychology clinic and assessment centre. His doctoral degree is in
Clinical Psychology, with a minor in Health Psychology. He has a post
graduate diploma program (DESS) through the University of Montreal
Faculty of Medicine in Insurance Medicine and Medicolegal Expertise.
He has a Master of Science in Community Counselling with specialized
training in vocational assessment and counselling. His doctoral
training included assessment, diagnosis and treatment of severe
mental and behaviour disorders in private and public psychiatric
inpatient hospital settings, as well as sheltered workshops. He has
also performed disability assessments for patients with severe mental
disorders applying for Social Security Disability. As a clinical
psychologist, he worked in several chronic care facilities,
assessing, diagnosing and treating patients with severe psychological
disorders, including psychotic and severe mood disorders. Upon
immigrating to Canada he has re specialized in rehabilitation
psychology. He since has performed hundreds of psychological
disability assessments in relation to M.V.A, WSIB, and other personal
injury contexts. He was on the FSCO roster for Post 104 and
Catastrophic disability assessors, and has performed hundreds of
Catastrophic, Post-I 04 disability and psycho-vocational
assessments. He has published scholarly works with respect to
catastrophic impairment, and created educational modules addressing
catastrophic impairment evaluation for psychological disability
assessors. disability and psycho-vocational assessments. He
delivered the 2010 Keynote Address to the British Psychological
Societys Division of Counselling Psychology on the intersection of
psychological assessment and the law. He has also edited two books on
the application of humanistic theory to psychological treatment and
has also published book chapters and articles in this area. He was
the President of the Canadian Academy of Psychologists in Disability
Assessment (CAPDA). He has been accepted as an expert witness in
Ontario courts. GD37-52
Their medical
documentation in the Brief supports a finding of a “chronic pain”
, “severe disability” , “severe depression” , “PTSD” ,
“suffers permanent and serious impairment” , I am “neither
exaggerating nor feigning” , “tends to minimize his complaints”
, “suffers a complete inability to engage in any employment for
which he is reasonably suited by education, training or experience”,
“is at a competitive disadvantage in the workforce”. GD37-33 /
GD37-34 / GD37-35 / GD37-37 /GD37-38
Also included was a
Chronic Pain Assessment from yet another doctor that states: “his
neck disability” , “suffered a significant functional, financial
and emotional loss” , “suffers from Degenerative Disc Disease in
his Cervical Spine, as well as debilitating Myofascial pain syndromes
in his cervical spine.” , “severe disability”, and “complete
disability” , “WADS III of the neck”. GD37 – 105 / GD37-23 /
GD37-25 / GD37-105.
Also included in the
Brief was yet another doctor report that states: “completely
disabled from any occupation to which he is suited by way of his
education, training or experience.” GD37-43
Another Doctors
report included in the Brief states: Overall, I am “not
employable”. GD37-32.
Rather that go long
winded in this post I submit that I have
provided enough medical documentation to establish my disability just
from the above doctors. You have the other reports and blog postings I will not duplicate them here.
Today I finally
received a date for my Appeal Hearing. The date on the notice was 39
days ago. The notice says that my hearing is not going to be until
2016, next year!
In this effort to
get rid of the backlog of thousands how many are getting run over.
What happened to the pledge to wipe out the backlog by this past
summer? How many Appellants are still backlogged at the Social
Security Tribunal of Canada?
If my Medical-legal
experts are good enough for the Ontario Superior Court, a mediator, numerous doctors and lawyers, and 4 insurance companies they should be
good enough for Service Canada and the Social Security Tribunal. I
hope that the Tribunal Member that decides my appeal takes into
account my medical-legal evidence submitted here in from real Medical experts, that
write the rules, and not Service Canada employees with an agenda.
Sincerely,
name removed
CPP Disability
Applicant since 2008,
MVA-Insurance-Victim
since 2007.
Thank you to all
those who help me with my writing and blogging and to those who
follow my blog. Unfortunately I have been diagnosed with astigmatism
and cataracts in my eyes recently. Advocating for MVA victims will
have to be less frequent. Seeing (reading and writing) has now been
added to my list of Medical problems.
THIS POSTING WAS SENT TO THE SOCIAL SECURITY TRIBUNAL OF CANADA NAME INCLUDED
Cc: undisclosed
Sunday, July 12, 2015
CPP Disability take a number now serving appeal 200,000?
What are the number of appeals backlogged at the Social Security Tribunal?
The following comment was made by Fair Association of Victims for Accident Insurance Reform on the Toronto Sun site back in November of last year.
In February of this year Minister Jason Kenney pledged to wipe out the Social Security Tribunal backlog of 11,000 by this summer.
The backlog was also discussed later in the house by Mr. Robert Aubin (NDP).
He said: "Mr. Speaker, on Tuesday the chair of the Social Security Tribunal confirmed that there are significant delays in the processing of cases: 14,677 cases are languishing on her desk."
So what are the numbers now?
More importantly, how would you get rid of such a backlog of appeals...fairly?
The Tribunal Chair refuses to acknowledge or respond to my letters as an appeal applicant, or as an advocate for these disabled Canadians that have been waiting for years at the tribunal backlog.
Knowing that these disabled Canadians can't respond our government has reaped the $$$ in withholding these benefits. Appeals in the take-a-number-lineup because of bad decisions by Service Canada and their policy of delay, deny, wait for them to die.
In my case these benefits that my employers and I have paid into mandatorily since 1979.
http://survivingacollision.blogspot.ca/2015/01/delay-deny-wait-for-them-to-die-at-sst.html
http://survivingacollision.blogspot.ca/2015/05/where-do-victims-go-when-insurers-dont.html
And what of my appeal that was launched back in 2008?
Will it be fairly heard after my blogging about the Social Security Tribunal and advocating for the unknown thousands of Appellants?
What do I have to do to be heard and what will It take to at least acknowledge my correspondences by the Social Security Chair Ms. Brazeau.
Crash Survivor 2007.
Social Security Tribunal says more than 14,600 Canadians are now waiting for a hearing:
http://survivingacollision.blogspot.ca/2014/11/social-security-tribunal-says-more-than.html
Sunday, May 10, 2015
Income Security Operations proceeding in your absence
According to recent emails from Income Security Operations
(General Division)
Social Security Tribunal of Canada:
"Can you please send the Tribunal your updated mailing address? We have attempted to mail you documents but they have been returned to our office as moved."
A previous email from them:
"Please include your full name (or full name of represented party) and appeal number (see Tribunal Number) on any future correspondence with the Tribunal. It is your responsibility to inform the Tribunal of any change in your contact information without delay. Failure to do so may have a detrimental impact on the appeal, as the Tribunal may be unable to reach you or send you any correspondence. Furthermore, the Tribunal may proceed in your absence. Please retain a copy of any information you send to the Tribunal."
Is this how they are going to get rid of the 14500+ appeal backlog by "proceeding in your absence"?
Anyone who has an appeal at the Income Security Operations (General Division) Social Security Tribunal of Canada might want to think about getting in touch with them to verify their address.
Surviving a Collision http://survivingacollision.blogspot.ca/
Previous post:
http://survivingacollision.blogspot.ca/2015/01/delay-deny-wait-for-them-to-die-at-sst.html
"Can you please send the Tribunal your updated mailing address? We have attempted to mail you documents but they have been returned to our office as moved."
A previous email from them:
"Please include your full name (or full name of represented party) and appeal number (see Tribunal Number) on any future correspondence with the Tribunal. It is your responsibility to inform the Tribunal of any change in your contact information without delay. Failure to do so may have a detrimental impact on the appeal, as the Tribunal may be unable to reach you or send you any correspondence. Furthermore, the Tribunal may proceed in your absence. Please retain a copy of any information you send to the Tribunal."
Is this how they are going to get rid of the 14500+ appeal backlog by "proceeding in your absence"?
Anyone who has an appeal at the Income Security Operations (General Division) Social Security Tribunal of Canada might want to think about getting in touch with them to verify their address.
Surviving a Collision http://survivingacollision.blogspot.ca/
Previous post:
http://survivingacollision.blogspot.ca/2015/01/delay-deny-wait-for-them-to-die-at-sst.html
Wednesday, January 21, 2015
DELAY DENY wait for them to DIE at the SST
Dear Murielle Brazeau:
T h i s C o r r e s p o n d e n c e h a s m a n y p a r t s
Submission to the Social Security Tribunal
This letter has taken along time for me to write given my headaches and mixing up letters of the alphabet. I was hit head-on by a young man speeding in his car back in 2007. GD5-15, GD10-421.
I want to say thank you to all the people that help me edit my letters and blog postings. Thank you. If it were not for you, my letters would not be so coherent, and family friendly. Unfortunately my patience is running out.
This letter addresses my Canadian Pension Plan Disability Application. It also advocates for the 11,000 people that have little voice waiting in the Social Security Tribunal backlog, awaiting more bullshit from the Social Security Tribunal denial team, that is part of the Service Canada denial team, that is part of the Insurance denial team, that denies legitimately injured Canadians that have paid into the Canadian Pension Plan for many decades access to clearly entitled benefits to survive on.
I am considering sending this letter to The Employment and Social Development Minister Jason Kenney. Hopefully when he reads it he will respond accordingly.
Medical File – Privacy Issues
I acknowledge receipt of my Medical file that was left on a bench in front of our house on December 3, 2014. I have uploaded the video of my medical file being delivered to a bench to youtube. http://t.co/lEyFQ9zJyr . Why would you not require my signature for this delivery?
My Medial file continues to be altered by pay-for-hire medical professionals writing what ever the hell they want, its turned into a fiction novel. It does not surprise me as they have already allowed access to my medical file anonymously at the Securedox on line database where they keep our personal medical files. I can only hope that at the least they have tightened up the security on the web site. http://survivingacollision.blogspot.ca/2013/12/hcai-security-breach.html
Its not just Anonymous access to my medical records and sensitive files are being downloaded, wordhirlings also have sent my medical file to unsecured mail servers and carry these files around with them on laptop computers! What morons do they have running the store with our personal information?
I am considering sending this letter to Brian Beamish Acting Privacy Commissioner of Ontario when I am able. Hopefully when he reads it he will respond accordingly.
Social Security Tribunal Unreasonable Conduct
Social Security Tribunal -I thank you for finally contacting me on the phone. I do appreciate the ring.
Oh, you claim it was two rings. Lets go with that.
You gave me two rings. No message was left. No call back number.
By your email you think two rings should give a person enough time to answer the phone.
What about a person that was hit by tons of metal at over 120 km/hr head on?
Would that person be able to answer you on the phone with only 2 rings?
What if we blow up an airbag alongside their head and then send that person spinning and rolling into a tree, then we could leave them upside/down in a twisted wreck? Would that do it for ya?
The 120km is just an estimate on my part, the officer that came to my door told me that the 18 year old “was going over 102km/hr at the end of his skid.” when he hit me.
I estimate it must be at least 120km by the length of the skid:
What do you think? Oh, ya, I forgot according to Phillis Brodie RN Service Canada she does not look at photos of the crash that caused my injuries. A relevant piece of information. Out of the three vehicles that were in our crash in 2007 all of them were unrepairable and one person died from the crash. That’s me on the stretcher in the pictures above.
At his rate of speed the 18 year old slammed into the driver behind me as well, and then hit a pole, and cement barrier. In the picture below you can see where he died.
Application For Canadian Pention Plan Disability
My first application for disability benefits was in 2008.
It was denied because of the lack of medical documentation. It was denied without Service Canada doing a full investigation. In 2008 I was told by my lawyer not to file a disability claim, I will not receive it because my case “would have to be resolved first”. My case took 5 years to resolve.
FSCO Backlog - Forced Settlement
Our insurer forced settlement by cutting of my IRBs just prior to mediation. We were told it could take more years to get a hearing because of the FSCO backlog GD5-13. I was a victim of a crime, no justice was served. http://www.fsco.gov.on.ca/en/drs/Pages/mediation-statistics-timelines.aspx .
This falls far below a standard of reasonableness that used to be expected in our justice system?
Social Security Tribunal Backlog Caused by Service Canada
Now I am at the Social Security Tribunal backlog with 11000 others being told that even if my appeal is successful they will not go back to my first application in 2008.
http://globalnews.ca/news/1703378/disability-benefits-wait-stretches-years-due-to-tribunal-backlog/
By not going back to the time of my disability disadvantages the freeze on my financial earning as of the date of my disability. This prevents CPP from establishing a record of zero of nil earnings to average into your future retirement or disability income calculation for the period you are disabled from working and not contributing to the CPP fund. Without this earning freeze future entitlement to CPP benefits, including retirement benefits are adversely affected.
From Letter to the Editor Craig Schindler, Cardston
60 % of Applications for a disability pension have been refused by two medical adjudicators at ESDC. These Medial Adjudicators are failing to do there jobs.
"Meanwhile, sick, suffering and dying Canadians are dealt a sentence of deep poverty because the program into which they have paid during their entire lives is ignoring them."
Craig Schindler
Cardston
http://www.dcac.ca/blog/post/Letter-to-the-Editor.aspx
Of course the backlogs could have been avoided
"delay was by design so that the government could balance the budget"
http://www.dcac.ca/blog/post/Of-course-the-backlogs-could-have-been-avoided.aspx
Its time to clean house and get rid of these Service Canada employees that are causing backlogs and clean up the mess of 11,000 of us awaiting appeals without just disposing of the appeals and making them disappear magically.
Medial Diagnosis / Stigma and Bias
In the 1980s I was diagnosed with tendonitis in both wrists and forearms from 13 years of manual factory line work (pallet loader) I know how to work hard for a living. In 1999 I was diagnosed with “Early Degenerative disc decease” GD10-266. Even with both of these deceases I managed to work until the crash in 2007. My medical records verify that even after the fatal crash I still tried to go back to work, on my own, but was unsuccessful because of my injuries. That should speak volumes as to my character.
An examination performed on me June 1, 2012 by BP Health clinic found the following:
Mood disorder, Anxiety disorder, Headache syndromes, Sprain and Strain of the jaw, Sleep disorders, Low back pain, Dislocation sprain and strain of the joints and ligaments of lumbar spine and pelvis, Pain in theracic spine, Muscle strain shoulder region, Other and unspecified injuries of shoulder and upper arm, Other symptoms and signs involving cognitive functions and awareness, Other and unspecified injuries of neck, Problems related to employment and unemployment, Cervical Disc Disorder with radiculapothy, Sprain and strain of ribs and sternum, Sprain and strain of lateral collaterol ligament of knee, Sprain and strain of (interphalangeal) joint of toe, Mild cognitive disorder GD17-190
An MRI on Sept 11, 2008 of my shoulder found “a focal linear hyperintense T2 signal abnormality in the anterior labrum “, “subltle edema in the adjacent paralabral recess.”, “acromioclavicular arthritis”, “degenerative cycts in the humeral head.”
An MRI of my cervical spine on September 28, 2008 revealed the following:
C3-4
“Mild prominence of the uncovertobral joints resulting in mild bilateral neuroforaminal narrowing.”
C4-5
“Mild circumferential disc ostoophyte complex with a flat small broadbased posterior disc bulge” ,”mild spinal canal stenosis in the minimal AP diameter of 9mm.”,
C5-6
“Mild to moderate circumferontial disc osteophyte complex effecting the anterior CSF collar with mild to moderate spinal canal stenosis with a minimum AP diameter of 8.7 mm. Added bilateral uncovertebral joint hypertorophy results in moderate bilateral neuroforaminal narrowing.”
C6-7
Mild circumferential disc osteophyte complex with bilateral neuroforaminal narrowing, moderate to severe on the right and moderate on the left”
The MRI report summary commented the following:
“At C6-7 there is moderate to severe right near frontal narrowing and moderate left near frontal narrowing."
I have been diagnose with Lumbar strain, Lumbago, Coccydynia, Siatica, and Chest wall strain (See: claims history Medical brief Section 21 2010-12-08), and WAD II – III GD10-234
Report dated March 12, 2012 by Maria Ross Occupational Therapist / Director states that I am "completely disabled for any occupation to which he is suited by way of his education, training or experience.”
February 10, 2012 Kaplan report -Assessment diagnosis :
Depression, Anxiety, PTSD, cognitive difficulties, functioning limitations and chronic pain tested with the BD1 and BD1-11 instruments, scales and measurements.
Doctors and pay-for-hire nerologissts, therapists, etc all expect you to be in a chemical straight jacket. GD5-14. The following prescribed medications did not work:
-Apo-amitriptyline Amitriptyline Hcl
-Toradol Ketoraolac Tromenth
-Novo-Nortriptyline
-Tramacet
-Tramadol Hydrochloride/ Acetaminophen
-Doxepin
I began using M E D I C A L Marijuana at the suggestion of a Doctor.
Phillis Brodie RN from Service Canada has issues with my medication. Phillis Brodie says that she does not believe in my choose of medications. That’s M E D I C A L Marijuana not Marijuana as she wrote in their submission to the Social Security Tribunal. I have the audio how bias when Phillis Brodie said to me on the phone “I don’t believe in it”. In our conversation it was quite clear her negative position about my legal medication. The bias is clear as it is written Marijuana not M E D I C A L Marijuana in their Service Canada submission. The inference is damaging given the stigma and damage to ones credit that is practiced when someone mentions Marijuana with the M e d i c a l part left out.
You must remember before the crash that has imprisoned me in your world of deceit I was a third generation professional truck driver with a perfect driving record. I was randomly drug tested as part of the Ministry of Transportation rules regularly as seen in my medical file, and at random. I always passed all of these tests. So when I tell you that I take M E D I C A L Marijuana now its because :
1- its a legal prescribed medication
2-it helps my symptoms
3-its better than alcohol and better than the poison pills from the drug cartel that the doctors make a living pushing.
My Sciatica comes and goes. The Severe pain goes from my lower back into my Right Leg into my Right Big Toe. I regularly am unable to put on my shoe because of the toe pain. It makes it difficult to walk. I have pain when I twist, pain in my back- upper and lower, chest discomfort, fatigue, pain if I sit too long, pain if I stand too long, burning pain in both shoulders, numbness in my left arm, pain when reaching, and grinding of my left shoulder.
I have been diagnosed with Myofascial pain syndrome. It is caused by injury or damage to the fascia. The syndrome has caused chronic pain in muscles throughout my body. Inflammatory conditions were caused by the spine compressing and decompressing in the crash. Getting hit head on like I did from a vehicle doing over 120 km/hr. will compress and decompress the spine.
Fascia is the biological fabric that holds us together. You are about 70 trillion cells all humming in relative harmony; fascia is the 3-D spider web of fibrous, gluey, and wet proteins that hold them all together in their proper placement. How fascia works as a whole – our biomechanical regulatory system – is highly complex and under-studied. Understanding fascia is essential to the dance between stability and movement – crucial in high performance, central in recovery from injury and disability, and ever-present in our daily life from our embryological beginnings to the last breath we take.
When pain is caused by myofascial tightness within the fascial system (the web of connective tissue that spreads throughout the body and surrounds every muscle, bone, nerve blood vessel, and organ to the cellular level) the diagnosis is more difficult, as fascia restrictions do not show up on MRI scans or X-rays. Source excerpts: http://www.anatomytrains.com/fascia/
I grind my teeth all night long (more and more during the day now) thinking about Service Canada and the Social Security Tribunal and the 11000 people that are being screwed out of our entitlements. I have jaw pain.
Air bag Detonation Damage
You can Google “air bag going off” to see what caused the Tinnitus I suffer from. The airbag going off in the side of my head at a force 2/3 more powerful than that of today cars (1997 Ford Crown Victoria) caused the Tinnitus. The constant hi pitch ringing in my ear is very disturbing. I sometime yell at people unknowingly. There is no cure. This information is always left out of all the pay-for-hire doctor reports.
It should be noted that my head was sideways in the steering wheel at the time of the crash and air bag detonation. I tried to protect my face from the head on crash by placing my head in the steering wheel. This information is always left out of all the pay-for-hire doctor reports.
I have had stitches in my head a few times as my medical history includes numerous concussions. I did have a lot of bumps on my head after the crash. My headaches last from 1hr to 3 days. Headaches make things difficult to say the least.
It is painful to look down, it is painful to look up, I try not to turn my head because of the pain in my neck-spine. I have memory problems and must write everything down. I have pain brushing my teeth.
Service Canada Intent to Deceive - Bad Faith Administering Claim
The Initial Adjudication Summary by Phillis Bodie RN Service Canada conveniently leaves out medical evidence. Nowhere in her Decision does she include all of my symptoms and diagnostics. An obvious conclusion of her intent to deceive is when she leaves out in her reporting of my MRIs. For example: “At C6-7 there is moderate to severe right near frontal narrowing and moderate left near frontal narrowing”. For her to leave out this part of my MRI evidence shows intent to deceive GD17-142.
Further more, the Service Canada submission to the Social Security Tribunal states: I did not go to see my doctor until 10 days after the crash. This statement conveniently leaves out that my doctor was on holidays at the time and I was unable to get an earlier appointment. For her to leave out this information clearly shows her intent to deceive. I would also point out that a 10 day appointment is quick, sometimes you have to wait a month, why even write this and include it in her report unless she was trying to deceive another. Why not include much more important medical information like my MRI results and a full account of the crash?
Service Canada Caught in Lie
Service Canada has denied my claim for Disability Benefits on the basis that “my insurer bought me a tractor and a backhoe”.
All the third party manipulation and alteration of the expert reports in my medical file has finally back fired on the pay-for-hire wordhirlings. The following will prove that my insurer did not buy “me a tractor and a backhoe”:
My occupational therapist recommended on May 4, 2012 a small Tractor to minimize the effect of my “functional losses” and maintain my property. "
Despite what Service Canada writes about the tractor it was denied by my insurer, even before they sent out their favourite pay-for-hire-medical-pupet to our house. GD1-10
The file management log of Susan Nowak from Vista Disability in 10/27/2011 states:
“talked to adjuster and he would like the OT to go to the home and address the OCF-18 would be denied next week so Ax in week of Nov 14 the. Talked to OT Manager and she suggested Jean Turgeon of Jonathan Kaine.” GD1-10
Then the adjuster with the help of the wordhirelings at Vista Disability rewrote the doctors report:
November 28, 2011 copy of email from Stephanie Doyon to Samantha Anstey – Vista Disability:
“Green highlights are revisions for Jonathan. Due to adjuster ASAP.” GD1-11
December 2, 2011 copy of email from Samantha Anstey Manager of Occupational Therapy Services – Vista Disability to Stephanie Doyon – Vista Disability:
“Hi Steph, Jonathan has reviewed and approved the revisions” The final is saved to the claimants folder. Thank you. “GD1-11
Even using their favourite pay-for-hire-medical-pupet and editing his report, it still said in his report: this assessor he can safely conclude that I do “not have adequate physical/functional abilities to perform the home maintenance responsibilities described for his 1.5 acre property.”
Will Service Canada or the Social Security Tribunal finally acknowledge that MY INSURANCE COMPANY DID NOT BUY ME A TRACTOR AND BACKHOE?
Messages for Decision Makers
As a victim of a crash I am expected to supply a diary. This is my diary.
Denying my Disability benefits by making shit up is fraudulent. Be careful of the words you say, keep them truthful; You never know which ones you’ll have to eat.
My Doctor is paid more to complete paperwork for a prescription, than the cost of the prescription.” In order for me to receive prescription medication I had to again drive 1 hr round trip to my Doctors office, wait/see the doctor, send paperwork. Then they just simply ignored it. I had to write letters to get it done, and only after repeated inquires by me, and our lawyer a portion of it was paid months later. Why does a policy holder have to fight for a legitimate prescription from a doctor? GD5 -10
I would like to know how it is allowed that insurance adjusters can tell a doctor how to diagnose a patient? It used to be about health and well being and recovery. Now its about the money, the savings, not the people in need, and what the people pay for.
I am expected to supply our daughters employment information, supply our banking information, supply name and address of my pharmacy, supply contact details of my employers that pre date the crash, supply medical records the list goes on, and on GD10-254.
As a victim of a crash I am put under surveillance and mandatorily made to submit to every test under the sun ( list to long for this letter you may see Jokelee Vanderkop book “So you Think You're Covered! The Insurance Industry Rip-Off” at http://www.deniedbenefitclaims.ca/ ) for a list and read about her 12 year battle. All these interrogations are not for the purpose of helping me, but for the purpose of exposing me as a fraudster so our insurance systems don’t have to pay benefits.
Accident or illness benefits denied? Radio show addresses the issues
http://www.cbc.ca/ontariotoday/2015/01/21/so-you-think-youre-covered/#vf-3080400000827
As you know A l l of these tests that were performed on me “showed no deceptions” on my part. Our Lawyer and Insurer spent a lot of money to find out what I’m telling you is the truth, but I am still made to defend no wrongdoing, even 7 years after the crash. At what point should this process be considered harassment? Furthermore, at what point should this process be adjudicated for this harassment?
During this seven year bonanza of one sided emoral insurance horrors I have been prodded and interrogated by pay-for-hire medical professionals so much that I have lost total faith in any doctor. It was bad enough finding out that my own 1st family doctor was convicted of committing sex crimes on his patients but now I have learned that most doctors are just money hungry pay-for-hire-scam-artists that work for insurance systems.
Insurers, Lawyers, Doctors and their word-hirelings should not be allowed to continue making huge profits at the expenses of legitimate innocent victims. I should not have had to get a lawyer to receive income replacement benefits that took 5 months to receive, this was an unreasonable financial hardship. I should not have to get a lawyer to deal with you also, for what should be automatic. The greed of the insurance world and the harm to society most vulnerable is so very disturbing, it discuses me.
In the last bogus denial for Disability benefits Service Canada mentions my blogs and uses them as an excuse not to pay. Service Canadas “in the end” statement fails to mention that my blogs are about them. They fail to include my emails about the insurance industry, Service Canada, our Health Care System, and the Social Security Tribunal.
"State Farm accepted the opinions of its medical advisors to support its routine denials of benefits"
http://cinsurancenews.blogspot.ca/2015/01/state-farm-accepted-opinions-of-its.html
Medical files ‘routinely altered’ to suit insurers, claims FAIR
http://cinsurancenews.blogspot.ca/2015/01/medical-files-routinely-altered-to-suit.html
To Ontario’s MPPs – does Ontario no longer want an honest justice system?
http://cinsurancenews.blogspot.ca/2015/01/to-ontarios-mpps-does-ontario-no-longer.html
Was government really blindsided by disability benefits backlog?
http://cinsurancenews.blogspot.ca/2015/01/was-government-really-blindsided-by.html
Canada Pension Plan portfolio assets up, president boasts of 'resilient portfolio'
http://cinsurancenews.blogspot.ca/2015/01/canada-pension-plan-portfolio-assets-up.html
Tory-dominated committee won't look into tribunal's patronage appointments
http://cinsurancenews.blogspot.ca/2015/01/tory-dominated-committee-wont-look-into.html
Fewer in-person hearings being heard by social security tribunal
http://cinsurancenews.blogspot.ca/2015/01/fewer-in-person-hearings-being-heard-by.html
Social security officials idle in tribunal's early months as backlog grew
http://cinsurancenews.blogspot.ca/2015/01/social-security-officials-idle-in.html
Kenney: Social security backlog ‘unacceptable’
http://cinsurancenews.blogspot.ca/2015/01/kenneysocial-security-backlog.html
Fraud against insurance claimants - business-as-usual
http://cinsurancenews.blogspot.ca/2015/01/fraud-against-insurance-claimants.html
Baloney Meter: social security tribunal
http://cinsurancenews.blogspot.ca/2015/01/baloney-meter-social-security-tribunal.html
Please acknowledge the following
1-I did not write the posting: Ottawas unjust approach to disability insurance by Jackie Esmonde , Marie Chen published September 12, 2014. I copy/paste it on my blog. GD15-3
http://cinsurancenews.blogspot.com/2014/10/ottawas-unjust-approach-to-disability.html
2-I do not make software or build computers as Service Canada has said in there submission to the Social Security Tribunal. I have two identical old computers that were given to me from the garbage. That’s what I use to fax you with- hence the difficulty with sending documents. I have been able to swap out parts to see what works. Not exactly a computer technician able to “build computers”.
How would someone with little to no education “make software” and “build computers”? My education included 12 years of grade schools. On average that’s 1 school per year. We moved almost every year. Sometimes I would go to 2 schools in one year. In the 1960s there was no standard curriculum. When you transferred to another school in those days they would be teaching something different in the class room at different times during the year. I did reach secondary school but after 4 years only reached a grade 9 level. Get real, I do not make software and build computers I wish that I could.
Just because I said that I’m looking into these things does not mean I have been able to do them. I am looking into doing your job too, doesn't mean anything.
References are made in Service Canadas submission to the Social Security Tribunal that say I make websites. Yes I have Blogs. Anyone with a Google account does. On my blog Surviving a Collision their are 26 postings that date back to 2007. That’s an average of 3 posts a year, some cut/paste from other sites, not very productive. Its not been an easy task giving up a shifter for a pen.
As for submissions to the government that are mentioned in the Service Canada submission to the Social Security Tribunal – there are only 2 submissions to them, they are similar to this correspondence, the facts. I am considering being much louder than this when I am able.
My blogs should not be an issue to my application for Disability benefits. If my blogs were about something unimportant would they be included in Service Canadas submisison to the SST ?
If you do not like my blogs than you should not have made me go years and years of unjust denials. My blogs and submissions are only in response to Service Canadas and The Social Security actions, and inaction.
Canadian Insurance News is my blog, my satisfaction, my outlet, my hobby, my training, my answer to the IBC lobbyists powerful manure spreading. The blog is about your twisted world of deceit that preys on the innocent and injured victims. A subject I have information on. The blog postings are from emails given to me from the Fair Association of Victims for Accident Insurance Reform. When able I cut/paste, only a few postings are my own. I have become a member and Advocate for Victims. http://fairassociation.ca .
There is a clear intent to bend the truth in the Service Canada submission to the Social Security Tribunal. Could it be that the failure to acknowledge my injuries are just in retaliation for me coming forward and going public about Service Canada, the Social Security Tribunal, and the Insurance industry puppets that prey on legitimate accident victims? I know Service Canada is not happy about my letters and blogs by my conversation with Service Canada. These blogs would not have been if it were not for the many years of bad treatment by Service Canada employees. Anyone with a Google account already has a blog. You just have to activate it. Blogging is not employment that I am being paid to do. There has never been any offers of employment for my blogging. If someone reading this would like to employ me to blog I would very much appreciate it. Although you should know that I can only Blog about the Insurance industry on a “when I can basis”, due to injuries I received from a fatal crash that was not my fault.
Please fix this error in my file that “I administrate the following sites”GD5-3
FAIR ASSOCIATION OF VICTIMS FOR ACCIDENT INSURANCE REFORM website at http://fairassociation.ca I do not administrate the Fair website. Fair is quoting my blog. GD7-4
I have fully cooperated in all Undertakings GD8-39. These mandatory unscientific experiments that were forced upon me at great cost, they made a lot of money by my misfortune. But for me it took 4 years to get a simple pickup stick. A cane took 1652 days. There was a “5 month delay paying Income Replacement Benefits GD5-9. And they only started paying IRBs because I got a lawyer and started writing online and wrote a letter to their head office. The Doctors get paid first, screw the patient, the customer, the injured.
Certain details are left out of Service Canadas submission. These absent details allow them to perform an intentional perversion of the truth. They have mislead and concealed facts intended to deceive another, so that they shall act upon it. Perversion of the truth. That’s what they do.
Again, I kindly request a pre hearing. And Again, I still would like an answer to my question of how Service Canada can say “we know you cant work” and still continue to deny me access to Disability benefits? Its not reasonable.
My employers and I have paid into The Canadian Pension Plan since 1979. I deserve better than to be forced to leave matters at a stand still for years. The Social Security Tribunal is treating me the same way my Insurer did. Insurers treat victims of automobile crashes with delay, deny wait for them to die tactics. Everyone in your world of deceit knows it.
Fair Response to KPMG
http://cinsurancenews.blogspot.ca/2015/01/fair-response-to-kpmg.html
http://www.fairassociation.ca/
Ask yourself what are the odds that someone could survive that crash? Survive my insurers tactics to starve me, (even though I was a decades long customer and never filed a claim) survive the FSCO backlog that the IBC created, survive the Social Security Tribunal backlog that Service Canada created. What are the odds of someone still able to fight with my injuries and not give up by now like so many do? Your waiting for them to die tactic will not work on me. Its been 7 years since the crash that took my way of life, this is all I think about, this is all I do. I rarely leave the house. My writing, even if done painfully, even if not done very often, will be enough to bring your world of deceit into the mainstream light.
https://twitter.com/Cinsurancenews
Looking forward to hearing from the Social Security Tribunal in this regard. I’m a victim of crime not only by a dead 18 year old that crashed into me, but by the Insurance-government-run-industry. 7 years is too long being treated as a criminal for no crime. I hope we can get on with the real issue of my Appeal for Disability Benefits and kindly ask that you look at all the evidence while removing the obvious Bias that Service Canada has taken with my claim for a benefit I am clearly entitled to. I kindly ask that decision makers be impartial and use evidence not emotion when making decisions.
Don't let my blogging about your employment sector cloud your judgment. In the end you should do the right thing without further delay. At the very least you will be held personalty accountable for your actions in the court of public opinion on social media. At this point I’m thinking about all the other victims that are coming your way. Let me guide them to your door.
Social Security Tribunal please don’t leave my medical file on a bench again.
Sincerely,
Mr. xxxxx
P.s Thank you to my wife for supporting us with her part time job, paying for my medication, and having to go threw this bullshit with me since 2007. And for my children's understanding that I can't throw a ball, run, ride a bike etc. Etc.
Insurance claim denied? Look no further? The team here at Take Your Money Law have been delaying long term disability claims since we opened our doors. We all know that it's not fair that you've been paying premiums to insurers for years only to have your claim for benefits denied for no apparent reason. If it's justice you're seeking, along with compensation for your benefits and damages for your anguish based on the denial, we're the law firm for you. Come let us screw you over.
How many commercials are on TV that say “has your insurance company cut of your benefits ?”, call bla bla bla lawyers?
Cc: undisclosed
T h i s C o r r e s p o n d e n c e h a s m a n y p a r t s
Submission to the Social Security Tribunal
This letter has taken along time for me to write given my headaches and mixing up letters of the alphabet. I was hit head-on by a young man speeding in his car back in 2007. GD5-15, GD10-421.
I want to say thank you to all the people that help me edit my letters and blog postings. Thank you. If it were not for you, my letters would not be so coherent, and family friendly. Unfortunately my patience is running out.
This letter addresses my Canadian Pension Plan Disability Application. It also advocates for the 11,000 people that have little voice waiting in the Social Security Tribunal backlog, awaiting more bullshit from the Social Security Tribunal denial team, that is part of the Service Canada denial team, that is part of the Insurance denial team, that denies legitimately injured Canadians that have paid into the Canadian Pension Plan for many decades access to clearly entitled benefits to survive on.
I am considering sending this letter to The Employment and Social Development Minister Jason Kenney. Hopefully when he reads it he will respond accordingly.
Medical File – Privacy Issues
I acknowledge receipt of my Medical file that was left on a bench in front of our house on December 3, 2014. I have uploaded the video of my medical file being delivered to a bench to youtube. http://t.co/lEyFQ9zJyr . Why would you not require my signature for this delivery?
My Medial file continues to be altered by pay-for-hire medical professionals writing what ever the hell they want, its turned into a fiction novel. It does not surprise me as they have already allowed access to my medical file anonymously at the Securedox on line database where they keep our personal medical files. I can only hope that at the least they have tightened up the security on the web site. http://survivingacollision.blogspot.ca/2013/12/hcai-security-breach.html
I am considering sending this letter to Brian Beamish Acting Privacy Commissioner of Ontario when I am able. Hopefully when he reads it he will respond accordingly.
Social Security Tribunal Unreasonable Conduct
Social Security Tribunal -I thank you for finally contacting me on the phone. I do appreciate the ring.
Oh, you claim it was two rings. Lets go with that.
You gave me two rings. No message was left. No call back number.
By your email you think two rings should give a person enough time to answer the phone.
What about a person that was hit by tons of metal at over 120 km/hr head on?
Would that person be able to answer you on the phone with only 2 rings?
What if we blow up an airbag alongside their head and then send that person spinning and rolling into a tree, then we could leave them upside/down in a twisted wreck? Would that do it for ya?
The 120km is just an estimate on my part, the officer that came to my door told me that the 18 year old “was going over 102km/hr at the end of his skid.” when he hit me.
I estimate it must be at least 120km by the length of the skid:
What do you think? Oh, ya, I forgot according to Phillis Brodie RN Service Canada she does not look at photos of the crash that caused my injuries. A relevant piece of information. Out of the three vehicles that were in our crash in 2007 all of them were unrepairable and one person died from the crash. That’s me on the stretcher in the pictures above.
At his rate of speed the 18 year old slammed into the driver behind me as well, and then hit a pole, and cement barrier. In the picture below you can see where he died.
Application For Canadian Pention Plan Disability
My first application for disability benefits was in 2008.
It was denied because of the lack of medical documentation. It was denied without Service Canada doing a full investigation. In 2008 I was told by my lawyer not to file a disability claim, I will not receive it because my case “would have to be resolved first”. My case took 5 years to resolve.
FSCO Backlog - Forced Settlement
Our insurer forced settlement by cutting of my IRBs just prior to mediation. We were told it could take more years to get a hearing because of the FSCO backlog GD5-13. I was a victim of a crime, no justice was served. http://www.fsco.gov.on.ca/en/drs/Pages/mediation-statistics-timelines.aspx .
This falls far below a standard of reasonableness that used to be expected in our justice system?
Social Security Tribunal Backlog Caused by Service Canada
Now I am at the Social Security Tribunal backlog with 11000 others being told that even if my appeal is successful they will not go back to my first application in 2008.
http://globalnews.ca/news/1703378/disability-benefits-wait-stretches-years-due-to-tribunal-backlog/
By not going back to the time of my disability disadvantages the freeze on my financial earning as of the date of my disability. This prevents CPP from establishing a record of zero of nil earnings to average into your future retirement or disability income calculation for the period you are disabled from working and not contributing to the CPP fund. Without this earning freeze future entitlement to CPP benefits, including retirement benefits are adversely affected.
From Letter to the Editor Craig Schindler, Cardston
60 % of Applications for a disability pension have been refused by two medical adjudicators at ESDC. These Medial Adjudicators are failing to do there jobs.
"Meanwhile, sick, suffering and dying Canadians are dealt a sentence of deep poverty because the program into which they have paid during their entire lives is ignoring them."
Craig Schindler
Cardston
http://www.dcac.ca/blog/post/Letter-to-the-Editor.aspx
Of course the backlogs could have been avoided
"delay was by design so that the government could balance the budget"
http://www.dcac.ca/blog/post/Of-course-the-backlogs-could-have-been-avoided.aspx
Its time to clean house and get rid of these Service Canada employees that are causing backlogs and clean up the mess of 11,000 of us awaiting appeals without just disposing of the appeals and making them disappear magically.
Medial Diagnosis / Stigma and Bias
In the 1980s I was diagnosed with tendonitis in both wrists and forearms from 13 years of manual factory line work (pallet loader) I know how to work hard for a living. In 1999 I was diagnosed with “Early Degenerative disc decease” GD10-266. Even with both of these deceases I managed to work until the crash in 2007. My medical records verify that even after the fatal crash I still tried to go back to work, on my own, but was unsuccessful because of my injuries. That should speak volumes as to my character.
An examination performed on me June 1, 2012 by BP Health clinic found the following:
Mood disorder, Anxiety disorder, Headache syndromes, Sprain and Strain of the jaw, Sleep disorders, Low back pain, Dislocation sprain and strain of the joints and ligaments of lumbar spine and pelvis, Pain in theracic spine, Muscle strain shoulder region, Other and unspecified injuries of shoulder and upper arm, Other symptoms and signs involving cognitive functions and awareness, Other and unspecified injuries of neck, Problems related to employment and unemployment, Cervical Disc Disorder with radiculapothy, Sprain and strain of ribs and sternum, Sprain and strain of lateral collaterol ligament of knee, Sprain and strain of (interphalangeal) joint of toe, Mild cognitive disorder GD17-190
An MRI on Sept 11, 2008 of my shoulder found “a focal linear hyperintense T2 signal abnormality in the anterior labrum “, “subltle edema in the adjacent paralabral recess.”, “acromioclavicular arthritis”, “degenerative cycts in the humeral head.”
An MRI of my cervical spine on September 28, 2008 revealed the following:
C3-4
“Mild prominence of the uncovertobral joints resulting in mild bilateral neuroforaminal narrowing.”
C4-5
“Mild circumferential disc ostoophyte complex with a flat small broadbased posterior disc bulge” ,”mild spinal canal stenosis in the minimal AP diameter of 9mm.”,
C5-6
“Mild to moderate circumferontial disc osteophyte complex effecting the anterior CSF collar with mild to moderate spinal canal stenosis with a minimum AP diameter of 8.7 mm. Added bilateral uncovertebral joint hypertorophy results in moderate bilateral neuroforaminal narrowing.”
C6-7
Mild circumferential disc osteophyte complex with bilateral neuroforaminal narrowing, moderate to severe on the right and moderate on the left”
The MRI report summary commented the following:
“At C6-7 there is moderate to severe right near frontal narrowing and moderate left near frontal narrowing."
I have been diagnose with Lumbar strain, Lumbago, Coccydynia, Siatica, and Chest wall strain (See: claims history Medical brief Section 21 2010-12-08), and WAD II – III GD10-234
Report dated March 12, 2012 by Maria Ross Occupational Therapist / Director states that I am "completely disabled for any occupation to which he is suited by way of his education, training or experience.”
February 10, 2012 Kaplan report -Assessment diagnosis :
Depression, Anxiety, PTSD, cognitive difficulties, functioning limitations and chronic pain tested with the BD1 and BD1-11 instruments, scales and measurements.
Doctors and pay-for-hire nerologissts, therapists, etc all expect you to be in a chemical straight jacket. GD5-14. The following prescribed medications did not work:
-Apo-amitriptyline Amitriptyline Hcl
-Toradol Ketoraolac Tromenth
-Novo-Nortriptyline
-Tramacet
-Tramadol Hydrochloride/ Acetaminophen
-Doxepin
I began using M E D I C A L Marijuana at the suggestion of a Doctor.
Phillis Brodie RN from Service Canada has issues with my medication. Phillis Brodie says that she does not believe in my choose of medications. That’s M E D I C A L Marijuana not Marijuana as she wrote in their submission to the Social Security Tribunal. I have the audio how bias when Phillis Brodie said to me on the phone “I don’t believe in it”. In our conversation it was quite clear her negative position about my legal medication. The bias is clear as it is written Marijuana not M E D I C A L Marijuana in their Service Canada submission. The inference is damaging given the stigma and damage to ones credit that is practiced when someone mentions Marijuana with the M e d i c a l part left out.
You must remember before the crash that has imprisoned me in your world of deceit I was a third generation professional truck driver with a perfect driving record. I was randomly drug tested as part of the Ministry of Transportation rules regularly as seen in my medical file, and at random. I always passed all of these tests. So when I tell you that I take M E D I C A L Marijuana now its because :
1- its a legal prescribed medication
2-it helps my symptoms
3-its better than alcohol and better than the poison pills from the drug cartel that the doctors make a living pushing.
My Sciatica comes and goes. The Severe pain goes from my lower back into my Right Leg into my Right Big Toe. I regularly am unable to put on my shoe because of the toe pain. It makes it difficult to walk. I have pain when I twist, pain in my back- upper and lower, chest discomfort, fatigue, pain if I sit too long, pain if I stand too long, burning pain in both shoulders, numbness in my left arm, pain when reaching, and grinding of my left shoulder.
I have been diagnosed with Myofascial pain syndrome. It is caused by injury or damage to the fascia. The syndrome has caused chronic pain in muscles throughout my body. Inflammatory conditions were caused by the spine compressing and decompressing in the crash. Getting hit head on like I did from a vehicle doing over 120 km/hr. will compress and decompress the spine.
Fascia is the biological fabric that holds us together. You are about 70 trillion cells all humming in relative harmony; fascia is the 3-D spider web of fibrous, gluey, and wet proteins that hold them all together in their proper placement. How fascia works as a whole – our biomechanical regulatory system – is highly complex and under-studied. Understanding fascia is essential to the dance between stability and movement – crucial in high performance, central in recovery from injury and disability, and ever-present in our daily life from our embryological beginnings to the last breath we take.
When pain is caused by myofascial tightness within the fascial system (the web of connective tissue that spreads throughout the body and surrounds every muscle, bone, nerve blood vessel, and organ to the cellular level) the diagnosis is more difficult, as fascia restrictions do not show up on MRI scans or X-rays. Source excerpts: http://www.anatomytrains.com/fascia/
I grind my teeth all night long (more and more during the day now) thinking about Service Canada and the Social Security Tribunal and the 11000 people that are being screwed out of our entitlements. I have jaw pain.
Air bag Detonation Damage
You can Google “air bag going off” to see what caused the Tinnitus I suffer from. The airbag going off in the side of my head at a force 2/3 more powerful than that of today cars (1997 Ford Crown Victoria) caused the Tinnitus. The constant hi pitch ringing in my ear is very disturbing. I sometime yell at people unknowingly. There is no cure. This information is always left out of all the pay-for-hire doctor reports.
It should be noted that my head was sideways in the steering wheel at the time of the crash and air bag detonation. I tried to protect my face from the head on crash by placing my head in the steering wheel. This information is always left out of all the pay-for-hire doctor reports.
I have had stitches in my head a few times as my medical history includes numerous concussions. I did have a lot of bumps on my head after the crash. My headaches last from 1hr to 3 days. Headaches make things difficult to say the least.
It is painful to look down, it is painful to look up, I try not to turn my head because of the pain in my neck-spine. I have memory problems and must write everything down. I have pain brushing my teeth.
Service Canada Intent to Deceive - Bad Faith Administering Claim
The Initial Adjudication Summary by Phillis Bodie RN Service Canada conveniently leaves out medical evidence. Nowhere in her Decision does she include all of my symptoms and diagnostics. An obvious conclusion of her intent to deceive is when she leaves out in her reporting of my MRIs. For example: “At C6-7 there is moderate to severe right near frontal narrowing and moderate left near frontal narrowing”. For her to leave out this part of my MRI evidence shows intent to deceive GD17-142.
Further more, the Service Canada submission to the Social Security Tribunal states: I did not go to see my doctor until 10 days after the crash. This statement conveniently leaves out that my doctor was on holidays at the time and I was unable to get an earlier appointment. For her to leave out this information clearly shows her intent to deceive. I would also point out that a 10 day appointment is quick, sometimes you have to wait a month, why even write this and include it in her report unless she was trying to deceive another. Why not include much more important medical information like my MRI results and a full account of the crash?
Service Canada Caught in Lie
Service Canada has denied my claim for Disability Benefits on the basis that “my insurer bought me a tractor and a backhoe”.
All the third party manipulation and alteration of the expert reports in my medical file has finally back fired on the pay-for-hire wordhirlings. The following will prove that my insurer did not buy “me a tractor and a backhoe”:
My occupational therapist recommended on May 4, 2012 a small Tractor to minimize the effect of my “functional losses” and maintain my property. "
Despite what Service Canada writes about the tractor it was denied by my insurer, even before they sent out their favourite pay-for-hire-medical-pupet to our house. GD1-10
The file management log of Susan Nowak from Vista Disability in 10/27/2011 states:
“talked to adjuster and he would like the OT to go to the home and address the OCF-18 would be denied next week so Ax in week of Nov 14 the. Talked to OT Manager and she suggested Jean Turgeon of Jonathan Kaine.” GD1-10
Then the adjuster with the help of the wordhirelings at Vista Disability rewrote the doctors report:
November 28, 2011 copy of email from Stephanie Doyon to Samantha Anstey – Vista Disability:
“Green highlights are revisions for Jonathan. Due to adjuster ASAP.” GD1-11
December 2, 2011 copy of email from Samantha Anstey Manager of Occupational Therapy Services – Vista Disability to Stephanie Doyon – Vista Disability:
“Hi Steph, Jonathan has reviewed and approved the revisions” The final is saved to the claimants folder. Thank you. “GD1-11
Even using their favourite pay-for-hire-medical-pupet and editing his report, it still said in his report: this assessor he can safely conclude that I do “not have adequate physical/functional abilities to perform the home maintenance responsibilities described for his 1.5 acre property.”
Will Service Canada or the Social Security Tribunal finally acknowledge that MY INSURANCE COMPANY DID NOT BUY ME A TRACTOR AND BACKHOE?
Messages for Decision Makers
As a victim of a crash I am expected to supply a diary. This is my diary.
Denying my Disability benefits by making shit up is fraudulent. Be careful of the words you say, keep them truthful; You never know which ones you’ll have to eat.
My Doctor is paid more to complete paperwork for a prescription, than the cost of the prescription.” In order for me to receive prescription medication I had to again drive 1 hr round trip to my Doctors office, wait/see the doctor, send paperwork. Then they just simply ignored it. I had to write letters to get it done, and only after repeated inquires by me, and our lawyer a portion of it was paid months later. Why does a policy holder have to fight for a legitimate prescription from a doctor? GD5 -10
I would like to know how it is allowed that insurance adjusters can tell a doctor how to diagnose a patient? It used to be about health and well being and recovery. Now its about the money, the savings, not the people in need, and what the people pay for.
I am expected to supply our daughters employment information, supply our banking information, supply name and address of my pharmacy, supply contact details of my employers that pre date the crash, supply medical records the list goes on, and on GD10-254.
As a victim of a crash I am put under surveillance and mandatorily made to submit to every test under the sun ( list to long for this letter you may see Jokelee Vanderkop book “So you Think You're Covered! The Insurance Industry Rip-Off” at http://www.deniedbenefitclaims.ca/ ) for a list and read about her 12 year battle. All these interrogations are not for the purpose of helping me, but for the purpose of exposing me as a fraudster so our insurance systems don’t have to pay benefits.
Accident or illness benefits denied? Radio show addresses the issues
http://www.cbc.ca/ontariotoday/2015/01/21/so-you-think-youre-covered/#vf-3080400000827
As you know A l l of these tests that were performed on me “showed no deceptions” on my part. Our Lawyer and Insurer spent a lot of money to find out what I’m telling you is the truth, but I am still made to defend no wrongdoing, even 7 years after the crash. At what point should this process be considered harassment? Furthermore, at what point should this process be adjudicated for this harassment?
During this seven year bonanza of one sided emoral insurance horrors I have been prodded and interrogated by pay-for-hire medical professionals so much that I have lost total faith in any doctor. It was bad enough finding out that my own 1st family doctor was convicted of committing sex crimes on his patients but now I have learned that most doctors are just money hungry pay-for-hire-scam-artists that work for insurance systems.
Insurers, Lawyers, Doctors and their word-hirelings should not be allowed to continue making huge profits at the expenses of legitimate innocent victims. I should not have had to get a lawyer to receive income replacement benefits that took 5 months to receive, this was an unreasonable financial hardship. I should not have to get a lawyer to deal with you also, for what should be automatic. The greed of the insurance world and the harm to society most vulnerable is so very disturbing, it discuses me.
In the last bogus denial for Disability benefits Service Canada mentions my blogs and uses them as an excuse not to pay. Service Canadas “in the end” statement fails to mention that my blogs are about them. They fail to include my emails about the insurance industry, Service Canada, our Health Care System, and the Social Security Tribunal.
"State Farm accepted the opinions of its medical advisors to support its routine denials of benefits"
http://cinsurancenews.blogspot.ca/2015/01/state-farm-accepted-opinions-of-its.html
Medical files ‘routinely altered’ to suit insurers, claims FAIR
http://cinsurancenews.blogspot.ca/2015/01/medical-files-routinely-altered-to-suit.html
To Ontario’s MPPs – does Ontario no longer want an honest justice system?
http://cinsurancenews.blogspot.ca/2015/01/to-ontarios-mpps-does-ontario-no-longer.html
Was government really blindsided by disability benefits backlog?
http://cinsurancenews.blogspot.ca/2015/01/was-government-really-blindsided-by.html
Canada Pension Plan portfolio assets up, president boasts of 'resilient portfolio'
http://cinsurancenews.blogspot.ca/2015/01/canada-pension-plan-portfolio-assets-up.html
Tory-dominated committee won't look into tribunal's patronage appointments
http://cinsurancenews.blogspot.ca/2015/01/tory-dominated-committee-wont-look-into.html
Fewer in-person hearings being heard by social security tribunal
http://cinsurancenews.blogspot.ca/2015/01/fewer-in-person-hearings-being-heard-by.html
Social security officials idle in tribunal's early months as backlog grew
http://cinsurancenews.blogspot.ca/2015/01/social-security-officials-idle-in.html
Kenney: Social security backlog ‘unacceptable’
http://cinsurancenews.blogspot.ca/2015/01/kenneysocial-security-backlog.html
Fraud against insurance claimants - business-as-usual
http://cinsurancenews.blogspot.ca/2015/01/fraud-against-insurance-claimants.html
Baloney Meter: social security tribunal
http://cinsurancenews.blogspot.ca/2015/01/baloney-meter-social-security-tribunal.html
Please acknowledge the following
1-I did not write the posting: Ottawas unjust approach to disability insurance by Jackie Esmonde , Marie Chen published September 12, 2014. I copy/paste it on my blog. GD15-3
http://cinsurancenews.blogspot.com/2014/10/ottawas-unjust-approach-to-disability.html
2-I do not make software or build computers as Service Canada has said in there submission to the Social Security Tribunal. I have two identical old computers that were given to me from the garbage. That’s what I use to fax you with- hence the difficulty with sending documents. I have been able to swap out parts to see what works. Not exactly a computer technician able to “build computers”.
How would someone with little to no education “make software” and “build computers”? My education included 12 years of grade schools. On average that’s 1 school per year. We moved almost every year. Sometimes I would go to 2 schools in one year. In the 1960s there was no standard curriculum. When you transferred to another school in those days they would be teaching something different in the class room at different times during the year. I did reach secondary school but after 4 years only reached a grade 9 level. Get real, I do not make software and build computers I wish that I could.
Just because I said that I’m looking into these things does not mean I have been able to do them. I am looking into doing your job too, doesn't mean anything.
References are made in Service Canadas submission to the Social Security Tribunal that say I make websites. Yes I have Blogs. Anyone with a Google account does. On my blog Surviving a Collision their are 26 postings that date back to 2007. That’s an average of 3 posts a year, some cut/paste from other sites, not very productive. Its not been an easy task giving up a shifter for a pen.
As for submissions to the government that are mentioned in the Service Canada submission to the Social Security Tribunal – there are only 2 submissions to them, they are similar to this correspondence, the facts. I am considering being much louder than this when I am able.
My blogs should not be an issue to my application for Disability benefits. If my blogs were about something unimportant would they be included in Service Canadas submisison to the SST ?
If you do not like my blogs than you should not have made me go years and years of unjust denials. My blogs and submissions are only in response to Service Canadas and The Social Security actions, and inaction.
Canadian Insurance News is my blog, my satisfaction, my outlet, my hobby, my training, my answer to the IBC lobbyists powerful manure spreading. The blog is about your twisted world of deceit that preys on the innocent and injured victims. A subject I have information on. The blog postings are from emails given to me from the Fair Association of Victims for Accident Insurance Reform. When able I cut/paste, only a few postings are my own. I have become a member and Advocate for Victims. http://fairassociation.ca .
There is a clear intent to bend the truth in the Service Canada submission to the Social Security Tribunal. Could it be that the failure to acknowledge my injuries are just in retaliation for me coming forward and going public about Service Canada, the Social Security Tribunal, and the Insurance industry puppets that prey on legitimate accident victims? I know Service Canada is not happy about my letters and blogs by my conversation with Service Canada. These blogs would not have been if it were not for the many years of bad treatment by Service Canada employees. Anyone with a Google account already has a blog. You just have to activate it. Blogging is not employment that I am being paid to do. There has never been any offers of employment for my blogging. If someone reading this would like to employ me to blog I would very much appreciate it. Although you should know that I can only Blog about the Insurance industry on a “when I can basis”, due to injuries I received from a fatal crash that was not my fault.
Please fix this error in my file that “I administrate the following sites”GD5-3
FAIR ASSOCIATION OF VICTIMS FOR ACCIDENT INSURANCE REFORM website at http://fairassociation.ca I do not administrate the Fair website. Fair is quoting my blog. GD7-4
I have fully cooperated in all Undertakings GD8-39. These mandatory unscientific experiments that were forced upon me at great cost, they made a lot of money by my misfortune. But for me it took 4 years to get a simple pickup stick. A cane took 1652 days. There was a “5 month delay paying Income Replacement Benefits GD5-9. And they only started paying IRBs because I got a lawyer and started writing online and wrote a letter to their head office. The Doctors get paid first, screw the patient, the customer, the injured.
Certain details are left out of Service Canadas submission. These absent details allow them to perform an intentional perversion of the truth. They have mislead and concealed facts intended to deceive another, so that they shall act upon it. Perversion of the truth. That’s what they do.
Again, I kindly request a pre hearing. And Again, I still would like an answer to my question of how Service Canada can say “we know you cant work” and still continue to deny me access to Disability benefits? Its not reasonable.
My employers and I have paid into The Canadian Pension Plan since 1979. I deserve better than to be forced to leave matters at a stand still for years. The Social Security Tribunal is treating me the same way my Insurer did. Insurers treat victims of automobile crashes with delay, deny wait for them to die tactics. Everyone in your world of deceit knows it.
Fair Response to KPMG
http://cinsurancenews.blogspot.ca/2015/01/fair-response-to-kpmg.html
http://www.fairassociation.ca/
Ask yourself what are the odds that someone could survive that crash? Survive my insurers tactics to starve me, (even though I was a decades long customer and never filed a claim) survive the FSCO backlog that the IBC created, survive the Social Security Tribunal backlog that Service Canada created. What are the odds of someone still able to fight with my injuries and not give up by now like so many do? Your waiting for them to die tactic will not work on me. Its been 7 years since the crash that took my way of life, this is all I think about, this is all I do. I rarely leave the house. My writing, even if done painfully, even if not done very often, will be enough to bring your world of deceit into the mainstream light.
https://twitter.com/Cinsurancenews
Looking forward to hearing from the Social Security Tribunal in this regard. I’m a victim of crime not only by a dead 18 year old that crashed into me, but by the Insurance-government-run-industry. 7 years is too long being treated as a criminal for no crime. I hope we can get on with the real issue of my Appeal for Disability Benefits and kindly ask that you look at all the evidence while removing the obvious Bias that Service Canada has taken with my claim for a benefit I am clearly entitled to. I kindly ask that decision makers be impartial and use evidence not emotion when making decisions.
Don't let my blogging about your employment sector cloud your judgment. In the end you should do the right thing without further delay. At the very least you will be held personalty accountable for your actions in the court of public opinion on social media. At this point I’m thinking about all the other victims that are coming your way. Let me guide them to your door.
Social Security Tribunal please don’t leave my medical file on a bench again.
Sincerely,
Mr. xxxxx
P.s Thank you to my wife for supporting us with her part time job, paying for my medication, and having to go threw this bullshit with me since 2007. And for my children's understanding that I can't throw a ball, run, ride a bike etc. Etc.
Insurance claim denied? Look no further? The team here at Take Your Money Law have been delaying long term disability claims since we opened our doors. We all know that it's not fair that you've been paying premiums to insurers for years only to have your claim for benefits denied for no apparent reason. If it's justice you're seeking, along with compensation for your benefits and damages for your anguish based on the denial, we're the law firm for you. Come let us screw you over.
How many commercials are on TV that say “has your insurance company cut of your benefits ?”, call bla bla bla lawyers?
Cc: undisclosed
Tuesday, November 25, 2014
7 years Victimized by the Insurance World
My first application for disability benefits was
submitted to Service Canada in 2008 - one year after the crash. It
was denied. Like so many I have been made to appeal. There are an
estimated 10,000
appeals waiting to be heard at the Social Security Tribunal
from injured disabled people. This is violation against humanity.
In 2007 I was hit head on by an 18 year old
speeding and passing on a blind hill, solid double line, coming at me
“at 102 km/hr at the end of his skid”. After he took off the
front wheel of the car I was driving, the car rolled 8 times, and
then hit a tree.
To protect my face I had my head sideways in the
steering wheel at the time of impact and the airbag detonated on the
side of my head at a force 2/3s more powerful than that of today
cars.
I was trapped upside down in the wreck.
Permanently injured was my neck, spine, nerves, etc..
http://survivingacollision.blogspot.ca/2014/04/surviving-collision-full-story.html
You may be wondering at this point, how can I
create this blog? At the time of this edit it is 3:31am. I have been
writing this for months. I can't sleep because of the pain in my
neck, back, head, etc.. I can't sleep because I can't stop grinding
my teeth, and jaw pain, because I can't stop thinking about the
crash, the insurance, the lawyers, the doctors, the therapists, the
unjust Service Canada denials and lies that date back to 2007. As
well as the Social Security Tribunal with my Appeal that is allowed
to be unresolved in limbo.
So, with the help of a word processor, a
thesaurus, and, many sleepless days and nights. I have put togeher –
togehter together . Sorry I get letters mixed up, I was baqnged on
the heaed. I have put together this letter.
I have mandatorily paid into CPP since the 1970's
on the understanding that I would have something to fall back on if I
could no longer work because of a disability. This understanding was
clearly wrong.
CPP Disability Insurance is much like the auto
insurance that we paid for, as it is riddled with unjust denials,
delays, and unfair fraudulent
behaviour. There is unaccountable
adjudication. No supports are built into the
process. Health and overall well-being are being jeopardized because
of layers of complexity and a process designed to ensure failure. The
current system is based on discriminatory and misguided assumptions.
It is fundamentally flawed stemming from mistakes such as losing
medical information, or simply just denying medical documentation
exists. It is a prolonged drawn-out process.
Fair Association of Victims for Accident Insurance
Reform has been an inspiration to me for they have published their
findings of the insurance world schemes upon their website, and they
advocate on behalf of the victims of insurance. Thank you to Fair for
being there for the survivors and “supporting auto accident victims
through advocacy and education”. Fair is a leading force for
reform. They fight for justice not only for crash victims but for all
Ontarians. http://www.fairassociation.ca/
When I am able, and with the help of information I
receive from sources like Fair Association of Victims for Accident
Insurance Reform , I started blogging and Twittering about the
Insurance world:
Surviving a Collision,
http://survivingacollision.blogspot.ca/
Canadian Insurance News,
http://cinsurancenews.blogspot.ca
Social Security Tribunal Research Centre,
http://sstrc.blogspot.ca/
I can only hope that my faxes, emails, blogs, web
sites, and submissions
to the government have not effected my appeal
negatively.
Insert link
here after they deny appeal.
At the time of this writing I have spent 7 years
in the insurance world dictatorship of deceit and at this point don’t
give a shit anymore about the process. A process that is designed for
the applicant to fail. The bogus denial letters written by bias
Service Canada wordhirlings that make their living at the expense of
innocent victims.
I have learned how badly corrupt and backed up our
justice system was during the FSCO
backlog. How doctors that don't write their own
reports will circumvent fee caps, and commit crimes to satisfy their
employer, our insurer.
I have learned that our private health information
is allowed to be carried around on laptops by pay-for-hire
therapists. Our private health information is also loose and run a
muck in the hands of the HCAI
data base where our information can be gained by anonymous users.
I have learned how the insurance lobbyists work on
twitter and how to expose them: Insurance
Reform Investigation
I have learned that it's acceptable that an
Insurer can dictate to a doctor how to treat a patient? This
shouldn't be the case.
I have learned about the Ambulance chasers preying
on the most vulnerable in our society- the injured crash victim. A
private society that milks victims for as much as they can by
overcharging made up fees and dragging things on and on for years so
they can line their pockets with our money. An industry that preys on
the weak, sick, and injured. Yeah I’m talking about the lawyers.
The backroom deals. The slander. The ones that are letting it all go
down.
I learned about the kickbacks
from the drug cartel to the doctors and how the complaint
process doesn't work at CPSO
- the inmates run the prison. The self regulated insurance industry
of the College of Physicians.
I’ve learned that crash victims have very little
voice, and so many victims are loosing so much, because of bad
decision makers making one-sided legislation and allowing this
conduct to continue to legitimate victims of MVAs.
Now I’m learning how to advocate for the injured
crash victims. Victims of their own insurance systems. I'm learning
to expose all of this to the public -while being injured, and having
no income. That's how I choose to spend my time. That's my job now.
If I am pissing you off by my writing, then I'm getting something
back, some satisfaction at the very least. I’ve been threatened
with legal action more than once because of my inability to pay lip
service. I was told by the Tribunal that if I can blog I can work. Is
there such a job for me? Can I expose the insurance world and be paid
on a while I can basis?
As you know I tried to go back to work ( on my
own) but was unable to because of injures I sustained in the crash (
that was not my fault) in 2007. Luckily I have been supported by my
spouse all this time, she supports our family with her part time job.
She pays for my medication, something she should not have to do.
The thing that is missing in the latest
media coverage on this subject is; what about
the spouses of the insurance victims? What about them? What about the
families of these 10,000 people? It becomes much more that 10,000
victims. Kids that couldn't afford to go to school, bankruptcy, dying
while they wait
for benefits. How does that effect society and
how many families have been destroyed by this relentless one sided
process?
In one year (2010/2011) FSCO
spent a total of $59 million of insurance
dollars, while in the same time frame my case; “will take a year or
more to get a hearing at FSCO”. Justice was delayed and lost to
sign on the dotted line because we'll starve you out if you don't.
Crash victim turned into insurance-justice-system-victim.
IBC profits are in the billions every year with
$146
billion in total assets.
The Canada Pension Plan has assets
over $180 billion and can't even meet my
numerous requests for a copy of my file.
Any reasonable person would question where the
money is really going if it's not going to the disabled victims. The
insurance dictatorship world of deceit is an industry
built on smoke and mirrors and our dollars.
Pay-for-hire Doctors, Lawyers, Therapists, Wordhirlings, assessment
mills, etc. prey on innocent victims and make lots of money
from our misfortune.
Where was my insurance when we needed it...? Where
was my justice...? Where was my Government...? Where is the Social
Security Tribunal and my appeal that Service Canada delayed and
fraudulently denied for years and why are they still not sending my
file to the Social Security Tribunal?
This delaying, denying, bullshit, has got to stop!
Who will fix this before we are bankrupt and forced to rely on social
assistance, or be forced to become a criminal and survive off rations
from a cell?
For 36 years I have always paid my auto insurance,
and on time.
Since the 1970's my employers and I have paid CPP
payouts to the Government.
This money was not a gift!
Looking forward to hearing from you as soon as
possible with an update to the status of my appeal, to the ruling by
Service Canada, about my claim for disability benefits, since 2008.
Because of a crash in 2007.
Because of a crash in 2007.
Administrator,
Surviving a Collision
http://survivingacollision.blogspot.ca/
Surviving a Collision
http://survivingacollision.blogspot.ca/
SOME NAMES HAVE BEEN REMOVED
TO PROTECT THE INNOCENT