Should blogging be a reason for denial of benefits?

Dear Social Security Tribunal:

I have been pondering about your idea -that because i can blog about my claim, email, and fax letters, it is going to be assumed that I can work doing these things.

If I could, I would, is there such a job for me?

Lol my resume can also include that I can Facebook and Twitter.

Seriously, and most importantly should blogging be a reason for denial of benefits?

As you know after the fatal crash I have acquired a gift of writing. It may take days or even weeks for me to write as I mix up letters of the alphabet because of the crash. In my medical-legal-insurance case file you will find these results during medical testing. This writing obsession gives me a avenue to release my frustrations with the unfair, one sided, corrupt, insurance systems. It has been my only justice since the fatal crash -when an 18 year old slammed into me with his head-on with his car at 102km per hour, with the airbag going off in the side of my head, rolling 8 times, hitting a tree, and trapped upside down in the twisted wreck.

Regarding comments made in their denial letter by Service Canada about a laptop I have the following:

The Medical rehabilitation testing that I went threw suggested that I be trained and provided a laptop computer. My insurer concurred. These things are in my medical-legal-insurance case file and were provided to you (free of charge). Both training and the laptop were never provided. Service Canada has used the laptop for an excuse to justify denial of benefits. It is unwarranted. As you know by my previous writing similarly I was also not provided with a tractor. Service Canada it seems can just say what ever the hell they want to in their denial letters.

When I enquired about the laptop and training that was granted by my insurer I was told “you snooze you loose”. I was dismayed by what I was told, another words fuckyou. But they did provide there preferred wordhirlings almost $100,000 to write bogus paper trails for their agenda of not paying benefits.

I have been made to suffer with the abuses of the insurance world for 7 years now without losing my family or the stress killing me. 7 years of denials, interrogations, surveillance, doctors, and lawyers. 7 years of intentional deceptive acts by the insurance world. 7 years of this shit. Wouldn’t you be kinda pissed off too, and want to fix things?

I understand the consequences of going public and that I may not ever be granted CPP Disability Benefits because I pissed you off. But there is more at stake here. Familys are living in financial hell. A lot of people like myself that have been made to live this way by these unjust denials by the insurance systems.

10,000 cases of appeals at the Social Security Tribunal in limbo! Please know that I do understand the concept of people creating there own work to keep them in a job. But all these backlogs by FSCO and the Social Security Tribunal, for years, unjust denials against sick and injured victims, really? What does that say as a society that the most vulnerable in our society are being treated in this manner? Is there no shame in what your office is doing? Victims are losing everything because of these denial processes. Who is running this nut house you call the Social Security Tribunal?

For your viewing I have included a link to my new blog SSTRC.

I called it “ The Social Security Tribunal Research Centre” it is dedicated to providing information to the public about your office. It can be found at http://sstrc.blogspot.ca/ .

At this point you may be wondering about my confrontational position since we spoke on the phone.

To clarify, I stumbled upon a blog called CPP Disability Claims Advocate located at www.dcac.ca/blog. It is very informative . To put it mildly it showed me that you have not been forthcoming. Do you have anything to tell me after you read this blog of Social Security Tribunal horrors?

This claims process should not be debilitating to injured victims, I have enough problems with injurys I sustained in the crash that was not my fault, can you really blame me for becoming an advocate for change? I will re-establish communications with media sources and establish communications with new media sources. I will write, blog, publish, fax, email, and further piss you off. Sorry - I think you are an ok person in a bad situation (less the $91,800 - $231,500 a year salary you receive).

In accordance with the Access to Information and Privacy Act, applicants have the right to formally request a copy of their CPP Disability file, including the medical reports and supporting documents.

I FORMALLY REQUEST A COPY OF MY CPP DISABILITY FILE AS OF THE DATE OF THIS DOCUMENT

I FORMALLY REQUEST a PRE-HEARING prior to a Ministerial Enquiry.

I kindly ask you to please not allow Service Canada to continue treating my claim for benefit maliciously. Have they still not sent my file to you? Please poll them for their intentions and expedite this scripted fiasco. My list of important documents should be everything that I have sent you so far, including faxes and emails. I still require your office to acknowledge receipt. Everything I sent you is relevant.

You have enough medical evidence I sent you to make a reasonable decision in my claim and anyone with any common sense just looking at the newspaper articles and crash pictures should give you some inclination as to how fatal the crash was that caused my disabilitys. Service Canada refused to look or acknowledge the newspaper articles and crash pictures I sent them, and your office has done the same. What kind of investigation is it not to even look at the pictures of the crash that cause my disabilitys?

Please put an end to these bullshit denials I am bitter, fedup, pissed off, and now feel that my claim is hopeless. Does this government want all the disabled on welfare? Evidence so far suggests that it wont matter if I stop advocating right now anyway, it won't change what is going to happen to my claim at the end of the day. But I will get louder and louder the longer this takes in hopes that someone fix this process for the victims. We deserve better than victim abuse limbo and financial hardship.

I feel that I survived the crash and have been given this gift of writing for a reason. That reason is to expose my journey threw the insurance system and go public with my findings. Perhaps My writing can help others to endure the abuses of the insurance systems for we are the people that pay into these mandatory systems for many decades and deserve to be acknowledged, helped, and properly without delay given the tools to try to recover as best we can.

Looking forward to hearing from you in this regard as soon as possible. Thank you.

Sincerely,

Mr. xxxx xxxxxx

Crash Victim 2007 -

Insurance Victim – 2014

Cc: undisclosed

Canadian Insurance News Submission 3 Year Review

 

 

Canada Insurance News

http://cinsurancenews.blogspot.ca/

Contact: canadianinsurancenews@gmail.com

Submission Ontario Auto Insurance Three-Year Review

Attention:

Jennifer MacMillan, Senior Policy Consultant, Auto Insurance Policy Unit, FSCO at 3YearReview@fsco.gov.on.ca.

This Open Letter is intended to provide some incite from a victims perspective, and to educate decision makers.

Submission to the Ontario Auto Insurance Three-Year Review.

By Canadian Insurance News

March 29, 2014

http://cinsurancenews.blogspot.ca/

Brief Personal History:

I have a unique perspective to offer in regards to the insurance industry as I have been in the insurance system since a fatal crash that was not my fault back in 2007.

I am a white male, born in Canada with roots going back to 1670. Before the fatal crash in 2007 I was a 3rd generation truck driver. My jobs included hauling almost every produce, and commodity imaginable. I was a professional driver at the top of my profession with a perfect driving record. We proudly display a Canadian flag on our back, and front lawn. My family and I are law abiding members of the community with no criminal records.

Brief History of Crash:

I was coming home from work travelling on a narrow country road I used often. When I was about 60 feet from the crest of a blind hill, suddenly there were two cars travelling towards me, side by side, one car was in my lane. There was no where for me to go !...
The teenage boy was speeding and passing on a blind hill and solid double line. He hit me with his car at over 102km/hr; taking off the front wheel, sending me rolling 8 times, and into a tree. I was trapped upside-down. The airbag went off in the side of my head at a force 2/3's more powerful than that of today s cars. I had used the steering wheel to block my face from the crash. As a consequence my head was placed sideways in the steering wheel at the time of impact, and at the time of air bag detonation. Unfortunately the teenage boy died in the crash as he hit another car and a cement barrier. Remarkably his passenger survived.

Pictures of the 3 car fatal crash are available online at: http://survivingacollision.blogspot.ca/

Recommendations

You already know of the insurance industry practices, so I shall not reproduce them here in detail and tell you what you already know. I shall not lecture you on the way injured victims are treated following a crash. You can search online for that.

The dark side of the insurance industry world must be quite annoyed by what I would call “heroes for injured victims”. For example, you are probably aware of articles by Alan Shanoff ( http://www.torontosun.com/author/alan-shanoff ) . He has written numerous articles that will give you information on how injured victims are treated by insurers.

Further reading will eventually get you to the Fair Association of Victims for Accident Insurance Reform site at: http://www.fairassociation.ca/ . There you will find yourself in information overload as to the victims movement for Insurance reform. I am a member myself.

If you are an insider in the insurance world and continue to search you will find yourself at

http://williehandler.blogspot.ca/ , http://www.canadianunderwriter.ca/ , http://otlablog.com/ ,

http://www.lawyersweekly.ca/ , http://www.torontoinjurylawyerblog.com/ , and much more,

including my Surviving a Collision Blog, and Canadian Insurance News.

On my Surviving a Collision Blog you will find yourself in my CPP Disability benefit application nightmare. I applied for the Disability benefit back in 2008 a year after the fatal crash of 2007. I continue to fight for Disability benefits to date. I think you can imagine what my letters to Service Canada have been like while they continue to deny my family a benefit that I am clearly entitled to. Some of the letters are posted on the Surviving a Collision Blog at http://survivingacollision.blogspot.ca/ for your viewing.

If you require more information on the insurance world you can go to the Canadian Insurance News twitter stream at: https://twitter.com/Cinsurancenews . It was created for the purpose of communicating, and providing information.

I have recently read a sad story about another victim of insurance. His story is similar to mine but one of the differences is that I wont try to hang myself. His story serves as a template for insurance practices that a common, and gives you a glimpse into insurance victims lives. You can read the article at : Life can change in the blink of an eye

http://www.thespec.com/opinion-story/4363491-life-can-change-in-the-blink-of-an-eye/

or at Canadian Insurance News at:

http://cinsurancenews.blogspot.ca/2014/03/life-can-change-in-blink-of-eye.html

I used to wonder why something as simple as insurance has gotten so very, very, out of control. Out of control insurers, out of control profits, out of control wordhirlings, out of control pay-for-hire doctors. I have witnessed what they will do to protect their industry full of deceit, it disgusts me.

When I was a trucker I delivered almost everything. I met a lot of people. Most of the people that I met were honest and hard working. Most of the people that I have met in the insurance world are dishonest and uncaring.

I am old enough to remember when there was help for the injured. Doctors even came to your house to treat you back in the 60s. Now the insurance company hires people to abuse an innocent crash victim for profit, and the system is setup to treat a injured crash survivor like they are dishonest, just like the insurance world is.

If it were not for the crash I could go back to my world of Professional Driving, and working with honest and hardworking people. But I am stuck with advocating for insurance reform and my ongoing Social Security Tribunal appeal that they can delay for another year.

Thanks to denials by the insurance system I now have enough contacts and information to share with the world, so that maybe, someone, will fix the insurance system, so that it does not destroy anymore lives, and does what its suppose to do, and what we pay for. Then I can not spend every waking hour thinking about the injustice we live in. Waiting for the money to run out from what little we received from the forced settlement during the FSCO backlog. When justice disappeared because of insurance greed, and look-the-other-way politicians and Doctors.

Our insurer that we paid for decades cut off replacement benefits just prior to mediation. Sound familiar? It should. Its common for the insurer to bleed you dry so you must sign on the dotted line. Huh, justice, where did it go, and how did a product that makes billions of dollars be allowed not to pay the contract of insurance obligations, conveniently, to serve their version of justice.

If you are serious about fixing the insurance system you can start by reducing the fraud that insurers do by sending a message to them. Start by penalizing them for their crimes. If I had my way they would be in jail for what they are doing to innocent injured victims.

Thank you for this opportunity to communicate with you and express my views.

It is unfortunate that you don’t hear from enough crash-insurance-victims. An obvious assumption would be because they can’t. Or they just give up. I understand why, I’m exhausted from trying to receive what should have been automatic, and from being prosecuted for no crime for the last 7 years of my life.

Looking forward to hearing from you or anyone in this regard. Thank you.

Sincerely,

Administrator,

Canadian Insurance News

http://cinsurancenews.blogspot.ca/

Contact: canadianinsurancenews@gmail.com

CPP Disability benefits- phone recordings prove claimant right

March 4, 2014

Via Facsimile: 1-855-814-4117

Social Security Tribunal

Attention: General Division (IS)

PO BOX 9812, STN T CSC

Ottawa ON K1G 6S3

Re: CPP Disability benefits
      Client Identification Number February 5, 2014 – xxxxxx

       SIN #xxxxxxxxx

Dear Social Security Tribunal:

I acknowledge receipt of a decision by Service Canada dated February 5, 2014 denying my CPP Disability benefits. Please accept this letter as my formal appeal to that decision.

L. Cuthbert Benefits officer - Service Canada letter of February 5, 2014 fail to provide any valid reasons for denial of CPP Disability benefits.

L. Cuthbert, Benefits Officer - Service Canada says in her/his denial letter the following:

 -“the medical documentation we received on January 21, 2014 that you sent”.

-“A reconsideration decision letter was sent to you on January 15, 2014.

-“cannot make another decision or review this additional information”.

In other words we did not get this medical information in time, you can't use it.

The phone messages below were left by Service Canada on our answering machine. The file dates of the original recordings are December 4, 2013 (the date I got around to recording them off our answering machine), and proves that Service Canada did receive my medical documentation, and it was not when they are claiming.

RECORDING 1 -Service Canada can be listened to at the following web address:

RECORDING 1 -Service Canada

https://drive.google.com/file/d/0B1gUaC8gT6M2dV9ETjVMa2dIM3M/edit?usp=sharing

RECORDING 2 -Service Canada can be listened to at the following web address:

RECORDING 2 -Service Canada

https://drive.google.com/file/d/0B1gUaC8gT6M2Sk1aRnNLYVVYNDA/edit?usp=sharing

The above recordings can be found at the following link:

http://survivingacollision.blogspot.com/2014/02/cpp-disability-benefits-phone.html

The screenshot below shows the file properties of the recordings creation date is December 4, 2013, further proving the date of the recorded phone message left by Service Canada

The date that L. Cuthbert, Service Canada Benefits Officer is using is her/his denial letter of February 5, 2014 is fictional, as proved by Service Canada phone messages above and the fax log attached below.

 



The additional 20 page medical information was sent on November 4, 2013 as seen in the fax log above. Service Canada verified this information in their recorded phone messages above. As you can see and hear Service Canada had my additional medical information before making the decisions dated January 15, 2014 and February 5, 2013. To be clear Service Canada did not receive these documents “on January 21, 2014” as I have proved herein.

It is ridiculous that a crash victim should have to prove the date medical documents are sent to support an application, and be made to file an appeal to have them accepted and reviewed.

I kindly ask that the Social Security Tribunal put an end to this obvious vendetta against my claim for CPP Disability Benefit as soon as possible, investigate the credibility of Service Canada reports being admitted for their truth, and review the additional medical documents that were sent to Service Canada 4 months ago.

Looking forward to hearing from you in this regard as soon as possible.

Thank you.

Sincerely,

Mr. xxxxx

Attach: February 5, 2013 -denial letter

             Appeal forms completed

Cc: http://survivingacollision.blogspot.ca/

Cc: list removed at this time

CPP Disability Benefits - realm of dishonesty

February 24, 2014

Via Facsimile: 1-855-814-4117

Social Security Tribunal

Attention: General Division (IS)

PO BOX 9812, STN T CSC

Ottawa ON K1G 6S3

Re: January 15, 2014 Client Identification Number - xxxxxxxx

SIN #xxxxxxxxx

Dear Social Security Tribunal:

I acknowledge receipt of a decision by Service Canada dated January 15, 2014 denying my CPP Disability benefits. Please accept this letter as my formal appeal to that decision.

My first application for disability benefits was in 2008. I was told I would not receive disability benefits because my case would have to be resolved first. My Doctor did not fill in the first medical report in my claim for Disability Benefits in 2008. (My doctor has since filled them as you know.)

My conversation with Service Canada further verified at that time, that my application did not have to be filed at that time “ we will look into your entire file when we make a decision” , “funds would be retroactive to 2008” “when I reapplied at a later time”.

Both our lawsuits were unable to receive justice from the justice system in 2010. To be clear, the crash was not my fault and we were not justly compensated, we were burned by the insurance system and the justice system. Our lawsuits were concluded by a forced settlement due to the FSCO backlog and fraudulent pay for hire doctors, and much of the same conduct that Service Canada has been providing and supposing.

Service Canada is fraudulent in their letter of January 15, 2014. The excuses for denial of benefits fail to provide any reasonable valid reasons.

Health Canada Says: “According to your doctor you received a sprain to your neck and back and receive pain”. Why is Service Canada downplaying my injuries?

Many disability certificates and doctors reports as you know from 2007 – 2010 say different.

“WAD III” , “Associated ICD-10-CA code for injuries and sequelae that are the direct result of the automobile accident Code numbers: F39, F41, G44, R51, S034, G47, M545, S33, M546, M6261, S49, R41, S19, Z56, Z723, Z733, Z736, M501, S234, S8340, F067, S9351”.

The Diagnostic imaging Report in 1999 states: “Early degenerative disc desease at C6-7”

In the March 28, 2012 Psychological Legal Assessment Report by xxxx and xxxx states: “Moderate Major Depressive Disorder, PTSD in partial remisssion”, “we are of the opinion that this man suffers permanent and serious impairment with respect to overall psychological functioning”.

Page 1 of 22

Health Canada Says: “I have the ability to do sedimentary work”.

Report dated March 12, 2012 by xxxx Occupational Therapist / Director states the following: “Mr. xxxx is completely disabled for any occupation to which he is suited by way of his education, training or experience”.

Even for the healthy and uninjured finding work in our area- is very difficult, if not impossible.

The Niagara area reports highest unemployment rate in Ontario.

According to Niagara this weeks newspaper article January 16, 2014

“NIAGARAS UNEMPLOYMENT RATE HIGHEST IN ONTARIO.”

Add to the resume that you are a 53 year old 3^rd generation truck driver with nerve damage in my spine and can’t drive much because of the pain, etc., then add to the resume you have limited education from 12 grade schools, reaching a level of only grade 9. What is suitable, available, work for me?

The imaginary laptop that Service Canada mentions in their denial letter January 15, 2014 was never provided by my insurer.

Service Canada comments about work are unfounded and as you know I have been thoroughly investigated by doctors, therapists, lawyers, and insurance investigators at a great cost.

As you know I was in the Insurance fiasco for 6 years and cooperated with all interrogations (eg; rehabilitation, work hardening, multi disciplinary assessments, situational assessment etc.). I tried to go back to work after the crash, on my own, and was unsuccessful. The issue of work has been answered at great physical, mental, and financial lengths.

In the Service Canada Denial letter of January 15, 2014 it states the following to establish denial of benefits:

(1)- “in 2011 you were provided with a utility tractor for you outdoor maintenance.”

(2)-“This tractor included a backhoe and a loader.”

(3)-“This work activity would be indicative of capacity for suitable work”

I WAS NEVER PROVIDED WITH A TRACTOR WITH A BACKHOE FROM MY INSURER

Service Canada is fraudulent in writing that I did. According to E. Chase- Medical Adjudicator, Service Canada letter of January 15, 2014 she writes:

“According to the occupational therapist in 2011 you were provided with a utility tractor for you outdoor maintenance. This tractor included a backhoe and a loader.”

How could a medical adjudicator have written such an uneducated sentence?

If E. Chase- Medical Adjudicator had given my application the attention it deserves than he/she would know of the attached copy of the file management log by Vista Disability (the assessment mill).

The log will prove the assessment mill getting instructions from my Insurance adjuster (xxxx -xxxx Insurance) to deny this device. His instructions to the Occupational Therapist were Pryor to his examination (interrogation) at our home.

My adjuster xxxx says in the log: “he would like the OT to go to the home and address the OCF -18 regarding a tractor for approx $25000.00. Advised OCF -18 would be denied next week so Ax in week of Nov 14^th”.

The Occupational Therapist xxxx then came to our house to write the denial report as he was instructed and agreed upon (“xxxx called and confirmed Ax”).

Page 2 of 22

The following will provide even more evidence to prove that I WAS NEVER PROVIDED WITH A TRACTOR WITH A BACKHOE FROM MY INSURER:

The assessment mill excerpt below, and email attached, will show that even after my insurer received the paid for hire doctor report it still wasn’t good enough for my insurance adjuster xxxx of xxxx Insurance.

Email #1states the following:

From: xxxx

Sent: November 28-2011 3:08 PM

To: xxxx

Cc: 'xxxx'

Subject: xx – OT OCF-18 In-Person – (Kaine) – due ASAP

“Green highlights are revisions for xxxx. Due to the adjuster – ASAP. xxxx mentioned xxxx would like to see this report, so I have copied her.”

Email #2 states the following:

From: xxxx

Sent: December -02-11 9:03 AM

To: 'xxxx'

Subject: RE: xx – OT OCF-18 In-Person – (Kaine) – due ASAP

Follow Up Flag: Follow up

Flag Status: Red

“Hi xxx, xxxx has reviewed and approved the revisions. The final is saved to the claimants folder.”

As you know the tractor that is mentioned above and in the Service Canada denial letter of January 15, 2014 was explained in the xxxx OT submitted treatment plan of May 4, 2012.

As the report states the tractor was to enable me to:

(1)- “to maintain his 1.5 acre property.”

(2)- “The recommended tractor is anticipated to minimize the effects of Mr. xxxx functional losses.”

(3)- “the client would be able to pace himself”

(4)- “is best suited to meet his property maintenance needs”

If the purpose of the tractor was for work (it wasn't according to the treatment plan above), and if I had received this assistive device from my insurer (I didn’t as proved above), I would still need funds to buy equipment to haul the tractor. A truck and trailer etc. would be necessary. Then even if the money fell from the sky to provide these funds then I would need to get training, and licences, and insurance, to operate the tractor/backhoe as a business.

Then I would need to find work in an area that has “the highest unemployment rate in Ontario.”

Most of all I would then need the health and stamina that I do not have because of the injuries I sustained in the fatal crash of 2007.

Page 3 of 22

How can a Medical adjudicator have concluded that I can work driving something?

If Service Canada had completely read my medical file then they know I am limited in driving because of my injury’s sustained in the crash.

The Psychological Legal Assessment Report dated March 28, 2012 states the following:

“He is incapable for psychological reasons of returning to any work that involves driving, and clearly is incapable of returning to his lifelong profession as a driver.” “This also poses a barrier to work in general, as he is avoidant of leaving home due to fearfulness in the car.”

Why would Service Canada deny my claim for a benefit I am clearly entitled too?

If I had to make some guesses why a Service Canada Medical Adjudicator would act unreasonable I would guess that it’s because they know I am an outspoken critic of the track record to receive CPP Disability benefits and write a blog about Service Canada and the Insurance industry.

Could the reason why Phyllis Brodie, Medical Adjudicator- Service Canada denied my Disability benefits was because Service Canada did not like my fax letters?

Would a Medical Adjudicator act unreasonable toward me because I filed a complaint to the Collage of Physicians and Surgeons of Ontario about a doctor pay for hire interrogation?

Would an insurance decision maker be biased as to my claim for benefits because I have written letters to FSCO on what I have learned about Insurance industry practices?

Maybe why a Medical Adjudicator would act unreasonable is because as they know I am an active member of Fair Association of Victims for Accident Insurance Reform, and publicly disputed an IBC advocates remarks.

I don't know why I have been denied Disability benefits but there is enough evidence to establish that Service Canada did not read my health file prior to making a decision to deny my CPP Disability Benefits, or they did read my health file and are committing a crime.

In the case of the latter we are enquiring an investigation into the following individuals that work for Service Canada:

(1)- E. Chase Reg. N, Medical Adjudicator, Service Canada.

(2)- L. Cuthbert, Benefits Officer - Service Canada.

(3)- Phyllis Brodie, Medical Adjudicator- Service Canada.

The quality of health care is in crisis. The white coat black art podcast at CBC radio episode December 27, 2013 states: “We have to make partners out of patients because I will help keep you from making catastrophic medical errors if you just let me be on my own care team. The hazards would be far fewer if we were like pilots. We're passengers in our own plane.”

“This means I am let in on the conversation so I may be informed and I may help correct the human mistakes Doctors are so destined to make”.

My insurer has deleted files in my file at HCAI. There have been assessment mill errors writing the records for the doctors, errors by doctors, and even anonymous access to my medical file at the HCAI online database. Now Service Canada has altered my health file to provide false representation.

Page 4 of 22

Phyllis Brodie, Medical Adjudicator- Service Canada has admitted that “we know you cannot work” in her denial letter of July 16, 2013.

Again, how can Service Canada write “we know you cannot work”, and at the same time deny my disability?

Service Canada and the Insurance industry have made me feel that I have entered a world of unicorns leprechauns and magic beans. There should be legislation to protect the most vulnerable in our society.

Obviously there is something wrong if a crash victim must be put threw a process that is designed to fail. It’s very disturbing that Service Canada can deny a claim without even speaking to a claimant. Saying in denial letters “we tried to contact you” without even a phone message - is not trying.

Injured victims deserve better treatment.

Service Canada does a lot of imagining in denial letters. But as you know the 18 year old boy that was speeding, and passing on a solid double line, and blind hill, that hit me head on, at 102 km per hour,

taking off the front wheel, and making me roll 8 times, with the airbag going off in the side of my head at a force twice as powerful of that of today’s cars, and hit a tree, and was trapped upside/down in the twisted seat, has left me with severe and prolonged injury’s.

Doctor Report date Feb 10^th 2012 states:

“Cervical Spine (July 17^th , 2007) –C6-C7 and C7-T1 disc spaces can not be commented on secondary to obstructed view.”

“MRI (September 2008) 1 year post MVA and C-Spine x-ray:

Degenerative Disc Disease worse at C5-C6

-Moderate spinal canal stenosis c4 c5

-Bilateral neuroforaminal narrowing C3-C4

\-C6-C7moderate to severe right rear frontal narrowing and moderate left rear frontal narrowing”

“suffered significant LONG-TERM and PERMINANT disability secondary to the motor vehicle crash on July 17^th 2007:

1. Chronic Myofascial Pain Syndrome of the Neck.
2. Chronic Myofascial Pain Syndrome of the Trapezium.
3. Chronic Mofascial Pain Syndrome of his shoulders Bilaterally.
4. Biceps Tendonosis in his left shoulder.
5. WADS lll of his neck
6. Occipital Neuralgia;
7. Cervical Degenerative Disc Disease and Canal Stenosis”,

“obvious degeneration and disease in Mr. xxxx spine”,

“at least 60- 70 % of his pre-accident function”,

“it is medically sound to conclude that Mr. xxxx suffers form Degenerative Disc Disease in his Cervical Spine, as well as debilitating MyoFascial pain syndromes in his cervical spine trapezium and Bilateral shoulders”.

Page 5 of 22

The reality is that I suffer in constant pain, and I wonder what it would be like, to not have to fight for years in a realm of dishonesty, for the rights and security I paid for all of my adult life.

I do not belong in your world please conclude this conflict as it is detrimental to my recovery.

Please accept this Notice of Appeal to the tribunal as instructed by the Service Canada letter of January 15, 2014. I kindly ask that CPP Disability Benefits be granted without further delay, denials, and fraudulent conduct.

Please acknowledge receipt of this correspondence.

I look forward to hearing from you in this regard, as soon as possible. Thank you.

Sincerely,

Mr. xxxx

* I would like to thank my wife for making this letter intelligible and supporting me emotionally, physically, and financially,

with her part time job since the crash in 2007.

Attachments First Mailings:

-File management log xxxx Disability February 8, 2012

-xxx - xxxxxxx December 12, 2011

-Cpp Decision -July 16, 2013

-Cpp Decision -January 15, 2014

-Cpp Decision -February 5, 2014

-pictures of crash

First mailings March 2014:

Cc: Dr. xxxxx

Cc: Rhona DesRoches, Board Chair - Fair Association of Victims for Accident Insurance Reform

Cc: Phyllis Brodie, Medical Adjudicator- Service Canada

Cc: E. Chase Reg. N. Medical Adjudicator – Service Canada

Cc: A. Trudell, Benefit Officer - Service Canada

Cc: Surviving a Collision Blog

Page 6 of 22



REMOVED PAGES 7- 22



 











File management log blow proves claim above that adjuster sent OT to home of claimant to deny tractor.

 

ADD YOUR COMMENT

Reconsideration of the decision to deny Canada Pension Plan Disability

Dear Service Canada:

We have not had any correspondence from you in regards to my reconsideration of August 13, 2013 that you acknowledged in your letter of September 27, 2013.

You have been ignoring my letters to Service Canada as well.

My request for an appeal in my letter of January 21, 2013 was ignored.

There was no Acknowledgement letter of the appeal for my application of May 21, 2008.

If you continue to deny and delay your office will be subject to further public scrutiny’s that are being duplicated and broadcasted to online sources.

Please act according to the regulations and take my case more seriously.

I will take a louder voice if you continue to deny my application for a benefit I am clearly entitled to. What is it going to take to be fairly treated? Will I have to Cc everyone in the house of commons and get on the news!

The most important inquiry to you was four months ago when I asked you to please explain how you can write “we realize that you cannot work now.” and at the same time deny my application.

I kindly ask that you respond to my inquiries relating to my application so I can get on with my recovery and have the funds to pay for my medication at $435.05/ month.

Be advised we do not answer the phone because of persistent calls from collection agencies. You will need to leave a message and I will return your call.

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Please acknowledge in writing:

1. Answer my inquiry letters sent to you in 2013
2. The status of the appeal of my application of May 21, 2008
3. The latest reconsideration status

Looking forward to hearing from you as soon as possible in this regard.

Thank you.

Sincerely,

xxxx

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HCAI Security Breach

The definition for the HCAI has been defined in the 2013 Annual Report of the Office of the Auditor General of Ontario. HCAI is an online database and billing portal to which health-care providers are required to submit billings for injury claims before they are forwarded to insurers for payment.

According to the Privacy statement on the HCAI website ( http://www.hcaiinfo.ca/Media_Public/Privacy.asp ) health Claims for Auto Insurance Processing (HCAIP) is responsible for the operation of the electronic processing system (HCAI) for automobile insurance claims. This system allows health care facilities and insurers to communicate with each other by facilitating the transmission of Ontario claim forms (OCFs).

The HCAI system contains sensitive personal health information. Protecting this information is the job of HCAIP. In order to protect the confidentiality of personally identifiable information (PII) HCAIP commits to maintain appropriate technical and administrative safeguards to protect the data in the HCAI system and any third parties that HCAI contracts to take prompt action in the instance of a privacy breach and protect PII from unauthorized disclosure in paper, electronic or verbal format.

So after reading about the HCAI you would think our personal information is protected, right?

The following document shows that there was in fact a breach of security at the HCAI online database on November 14, 2011.

Clearly the Access to a claimants file in the database by the “Anonymous Web User” logged in to the SecureDox HCAI online database justifies an explanation by its administrators at the HCAI system, and the IBC.

How has an Anonymous user logged into the HCAI online database been allowed to download personal health information?

It doesn't surprise me that our personal health information is at risk by the powers that be.

Insurance Doctors ( wordhirlings) interrogating victims of crashes using their personal computers. Using unsecured email to transfer our personal health information to unsecured servers.

Why is there no legislation to force our personal information be deleted from all the Laptops filled with claimants personal files that wordhirlings bring to the interrogation rooms. And all those emails sent back and forth between the assessment mills and interrogators.

Who monitors our personal health information,  transferred so freely and unsecured, from so many different sources?

Administrator,

Surviving a Collision.

Service Canada Disability Insurance delays denials and tactics

Dear Service Canada General inquiry office:

Thanks for finally responding to my need to send medical evidence to substantiate my claim for disability benefits that I have been kindly asking for since 2008!

My claim for benefits that Service Canada refused to fully investigate and have given bogus reasons for denials.

You remember, that was the one caused by a crash that was not my fault back in 2007.

And has left me with my disabilities. One of those disability’s that causes me to write letters about the broken insurance systems.

Letters that will probably bring an investigation into your office, offices of lawyers, and respected doctors that receive their funding from our misfortune and premiums.

An investigation as to where our money is going is on the table.

Who pays for Service Canada offices that are only open 1 time during the week?

Open for only an hour before lunch and an hour after lunch. Who works those hours?

Are you kidding me? And you don’t answer the phone. At all! Not for days so far that I have tried.

You don’t answer the fax. For days, I tried.

According to you it’s not your job. So. But....I mean...

Who pays to heat the building when no one is there?

Who pays for the lights and hydro, and the fax and phone? Who pays for you?

So, when I call a Service Canada office and know one picks up the phone, turns on the fax machine, looses my doctors report in the postal mail. I think your on strike or some things wrong.

Or maybe you’re just being difficult the way the claim process is purposely meant to be.

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THE REASONS I AM WRITING TO YOU ARE AS FOLLOWS:

Thank you for responding to my inquires regarding my application and would like to respond to your voice message letting me know; what’s not your job.

Herein are my general enquires to you:

(1) Is the Service Canada office on Upper James St in Hamilton open?

(2) Again, can you supply me with a contact so I can send even more doctors reports to further substantiate my claim for benefits? A phone number/ fax number would be appreciated for someone in the Disability claims office.

We live in rural Ontario and the Service Canada office is some distance away and not easy for me navigate just to see if it is open, or still exists. Since I have no funds because of your unjust denials and from being injured in a crash it is imperative that you can at the very least provide me with some information. You are the General enquiry office for Disability Insurance.

Please forward this fax letter to whom ever is going to deny my Application for disability benefits next working out of your protective custody office in Chatham.

Looking forward to hearing from as soon as possible in this regard. Thank you.

Sincerely,

Mr. xxxx xxxxxx

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Insurance overhaul

Experienced Ontario jurist reviewing dispute resolution system

It’s obvious Ontario’s auto insurance dispute resolution system is in need of an overhaul.

According to personal injury lawyer Darcy Merkur, “the cumbersome arbitration process makes it impossible to quickly and economically arbitrate any day-to-day treatment denials. There’s simply no way to arbitrate a treatment denial and get a timely result and, even if that was possible, the cost of arbitrating would greatly exceed the amount in dispute.”

With approximately 60,000 injuries attributed to motor vehicle accidents each year, how is it possible we generated an average of 30,606 mediation applications per year in the last three fiscal years?

On top of that there were 23,521 auto insurance related lawsuits filed in Ontario courts in 2012.

So it’s good to see the provincial government is trying to tackle the problem.

It has appointed an experienced jurist, the Hon. J. Douglas Cunningham, former Associate Chief Justice of the Ontario Superior Court of Justice, to conduct the review of Ontario’s auto insurance dispute resolution system.

Cunningham delivered his interim report last month. His final report is due in February.

The interim report states the obvious in that “it takes too long to resolve disputes.” Cunningham understands obtaining funding to pay for treatment has become a “challenge” while “(c)laimants’ lives can be put on hold for years waiting resolution of their claims.” He is clearly sympathetic to the plight of accident victims when he warns insurance companies that “(d)isputes and settlements need to be focused on getting claimants timely access to necessary treatment and assessments.” Cunningham blames both insurance companies and claimants’ lawyers for some of the delays.

Lawyers are often unable to commit to pre-arbitration sessions or hearing dates until “many months in the future” due to their busy schedules.

Some adjusters are inexperienced, have high caseloads and should do more to resolve disputes earlier.

Insurers act in a counter-productive manner when they attempt to close files with lump sum payments, rather than focus on timely access to treatment and assessments.

Cunningham has proposed a possible solution, establishing a process which would conclude within six months from start to finish.

As he describes it: “Cases would follow a different stream based on the benefits in dispute and the complexity of the issues involved. Ensuring access to timely and necessary treatment would be a first principle.” This would go a long way to improve the status quo but Cunningham must first examine why there are so many treatment/benefit denials.

Are claimants attempting to abuse the system by seeking unnecessary treatments or accessing benefits to which they are not entitled, or are insurers systemically denying treatment and benefits?

Andrew Murray, former president of the Ontario Trial Lawyers Association, believes the dispute resolution system “suffers from systemic abuse by insurers, which invoke a decidedly adversarial approach to the adjudication of accident benefits, best described as ‘deny, delay, deceive’.” Many insurer-appointed experts undertake so-called independent medical examinations and provide opinions used to deny claims. To what extent do these opinions serve to delay the just resolution of claims?

Wouldn’t fair, impartial assessments result in speedier resolution?

I have written many columns chronicling the unfair opinions of many of the insurers’ so-called experts.

Some are clearly unqualified or under qualified to provide the opinions they generate.

Some specialize in providing opinions to insurers rather than practicing medicine. That is, they earn a significant portion of their income peddling opinions to insurers.

“Experts” of this ilk cannot be expected to provide fair assessments.

Whether consciously or subconsciously, they provide the opinions desired by their paymasters.

FAIR (Fair Association of Victims for Accident Insurance Reform), a not-for-profit organization of motor vehicle accident victims who have struggled with Ontario’s existing auto insurance system, has a website that chronicles the activities of many of these insurance industry “experts”, who have made life miserable for accident claimants.

Fixing Ontario’s auto insurance dispute resolution system will require more than mere tinkering.

Cunningham’s interim report bodes well for some real solutions.

_{Source: http://www.torontosun.com/2013/11/15/insurance-overhaul}