M.E. & FM Manual --Main Page
Membership
Improvements and comments E-Mail Updated 97/08

16. Insurance & C.P.P & Pensions



1)Introduction.   This chapter covers hints
for dealing with insurance companies,
reassessments, C.P.P. disability insurance and
how to avoid some of the problems other people
have had to face.

2)** Resources for insurance claims  
#94023-9 

3)** Magnitude for insurance
companies.   At the Physical Medicine Research
Foundation Conference held in Vancouver on May,1994, Dr.
Cameroon, Medical Director for London Life Insurance,
discussed long-term disability claims, comparing M.E.,
F.M., and R.S.I. (Repetitive Strain Injuries).


Insurance Costs

TYPE OF CLAIM (figures as of 1994)

M.E.

F.M.

R.S.I.

# of claims

78

224

149

% of total long term disability payout

1%

2.8%

1.9%

% males

18

20

70

% females

82

80

30

Mean age

43

52

56

Average duration (months of claim)

37

45

49

Annual projected cost in millions (London Life)

$1.3

$2.2

$1.5

Total industry cost of claims

$27

$46

$30



** Note: London Life carries approximately 5% of the
Canadian share of long-term disability claims.

4)Life Insurance.   Most life insurance
companies will not pay an insurance claim for
suicide within two years of you purchasing the
policy.  Most life insurance companies require a
modest medical history, sometimes a blood test. 
Approximate cost for term life insurance is $30
per month for $250,000 for a 30 year old male. 
When you make your application, present the
truth, but only in a way that benefits you.  Do not
lie, because they can then cancel the policy and not
pay your beneficiary.  Ensure that you have
adequate coverage early on in the illness.

     a)** Life insurance policies.  Some
     insurance companies will pay your
     premiums while you are disabled.  Check
     your policy to see whether you have the
     disability option; if you don't, try to add it
     on.  

     b)** Healthy family member insurance
     coverage.  Since M.E. may be contagious
     in the first six months, ensure that other
     family members are covered with life and
     disability insurance and on personal loans
     or mortgages.  This prevents two people
     from being sick without coverage.  If the
     healthy family member becomes sick with
     any type of illness, you need that extra
     protection even more.

5)** Mortgage insurance policies.  
When you applied for your mortgage, you may
have applied for mortgage insurance.  Check to
see whether you have a disability benefit, so that
your mortgage payments are made by the
insurance company while you are ill.  If you don't
have this insurance, see if you can add it on.  If
you carry this insurance, your monthly payments
will be made during the term of your disability.

6)** Car loan, or other personal
loan.   You may have disability insurance
coverage on your personal loans - if not, see
whether you can add it on.

     a)Financial institutions will consider your
     C.P.P. benefits (including your children's
     portion) when you apply for a loan, as long
     as they feel confident that you will be
     receiving these funds for the foreseeable
     future.

7)** U.I.C. provides up to 15 weeks
of sick benefits, but they must fall within your
one-year U.I.C. claim.  Your doctor must fill out
a  special form in order for you to receive this
benefit.  If you have filled in U.I.C. claim forms
saying that you have been willing and able to
work, when in reality you were too sick to work,
you can make a "voluntary disclosure" (by phone)
to tell U.I.C. that you have incorrectly filled in
previous report cards.  This might prevent U.I.C.
from assessing you a penalty because you did not
tell the truth. 

8) ** Help with insurance problems -
who to contact:

     a)The Insurance Bureau of Canada, Phone
     #1-800-609-6552;

     b)** Send a copy of your insurance report
     to The Insurance Inspector for the
     Government if you have been having
     problems;

     c)The Canadian Life and Health Insurance
     Association (CLHIA) #94017-1  has a free
     booklet "Where Will The Money Come
     From  If You're Disabled?"  Counsellors
     are available for insurance and disability
     advice  Phone #1- 800-268-8099.

     d)The National M.E./F.M. Action Network
     has people specializing in helping those
     with insurance problems.  Lydia Nielson 
     (#613) 829-6667) is in touch with lawyers
     who will handle M.E. or F.M. cases.

     e) M.E. Canada has a fulltime legal aid
     staff member who will help you and/or
     your lawyer.

     f)The Insurance Council of B.C. is located
     at  #225-701 West Georgia, Vancouver,
     B.C.  V7Y 1C6   (phone #688-0321). 

     g)** The Insurance Institution Commission
     with the Superintendent of Insurance. 
     Phone #660-2947/ fax 660-3170.

9)** Harassment by an insurance
company.   If you are being harassed with
phone calls by your insurance company, make sure
you take the upper hand in the conversation.  The
first thing to say is "Just a minute while I get my
tape recorder" (It is legal to tape-record a
conversation as long as the other person is aware
that this is being done.)  Ask his name, address,
title, supervisor's name, date and time.  If you do
not have a recorder, take good notes.  Follow up
the conversation with a letter to the insurance
company, detailing and confirming what was
discussed.  This letter then becomes a legally
binding document if the company accepts it. 
Learn the techniques used by insurance companies
to your advantage.

10)** Disability Insurance. 

     a)** Private disability insurance. There
     are very few insurance companies that give
     private disability insurance.   If you have
     short term/long term disability through
     work, make use of it.  It is there for your
     benefit. It is much harder to get
     compensation once your employment is
     terminated than it is to take the disability
     now.  {PO}{It is better to be on disability
     and worry about what your employer thinks
     later; don't leave yourself high and dry.}

     b)** Agenda for short and long-term
     disability.   The normal procedure for most
     companies is to put you on short-term
     disability for 3 - 6 months;  you then have
     to fill out more forms to go on long-term
     disability.  The insurance company will
     then cover you for at least a year.   At that
     time, most insurance companies will insist
     that you apply for C.P.P. disability
     benefits.  During the 2nd year , they will
     usually require you to see one of their
     "independent specialists" (usually a
     psychiatrist).  At this point, they will try to
     disqualify you from receiving further
     benefits by stating that you have a
     psychological disorder, or are not sick.  If 
     you have passed this obstacle, it gets harder
     and harder each year to continue to receive
     benefits. {PO}{It is rare for someone to be
     on long-term disability benefits longer than
     3 years.  From my experience, I would
     estimate  90% - 95% of M.E. and F.M.
     patients still eligible for long-term
     disability have been denied further benefits
     sometime during the 2nd or 3rd year of
     their claim.}

          (1)** Several insurance policies
          state that they will not cover you
          longer than 1 or 2 years if you have
          a depressive illness.  It is very
          important that you do not use
          "depression" as your main
          disability, or you may be terminated
          from receiving benefits.

          (2)** Some insurance policies state
          that they must prove that you are
          capable of doing the job that they
          suggest you can do. 

     c)** Check your insurance policy.   Read
     your short and long-term policy carefully,
     and follow the requirements so that you are
     aware of your rights, avoiding such things
     as cut-off or expiry dates.  This will also
     make you aware of your company's
     obligations - in some instances employers
     state in the contract that they will keep
     your job open for 1 year, and after that
     they can give you any job with the
     company.  Ensure you look at the detailed
     contract, not the abbreviated form some
     employers and unions give to new
     employees.  The shortened version may
     have important details left out.

          (1)** Policy deadlines.  Many
          long-term disability and insurance
          contracts have deadlines for you to
          make a claim.  Some of them are as
          short as 6 months, or 1 year.  You
          do not have to be diagnosed with a
          specific illness to make a claim, you
          only need to be unable to work. 
          Read your policy thoroughly.   If
          you have a group policy, you will
          not usually get a copy of the actual
          contract, but just a summary. 
          Obtain a copy of the full policy
          from your employer, or get
          something in writing stating any
          deadlines.

          (2)** Policies and government
          regulations change.  Keep
          up-to-date on any policy changes
          that might affect you.

     d)**  Your employer is not obligated to
     keep any position open for you longer
     than 6 months while you are on long-term
     disability.  In some cases, long-term
     disability claims can continue for many
     years, even if your job is terminated.

     e)** What job will be kept for me?  
     #940901-1  The Supreme Court of Canada
     has made several rulings with regard to the
     type of job you can expect to return to
     when your health improves.  Several
     long-term disability insurance policies state
     that your job will be held for one year. 
     After that time, your employer (or the
     government) cannot ask you to take a job
     that is a in a lower position or pay, eg you
     are not expected to go from an executive
     position to a "McDonald's employee"
     position. 

     f) If you move while you are on long-term
     disability, your insurance company may
     cancel your claim.

     g)** Disability insurance claims that are
     being pursued through the court system can
     take anywhere from 2 -5 years to be
     resolved, so don't expect money to come
     quickly from your lawsuit.

     h)** Fees.  Your disability insurance
     company may be responsible for paying
     your lawyer's fees.   (#92056 Video3 @
     0:03).

          (1)** Some doctors will postpone
          their fees till after your case is
          settled.  {PO}{Like everything, it
          doesn't hurt to ask}

     i)** Any legal settlement you make will
     probably have the amount of your future
     C.P.P. disability benefits taken off.  Watch
     the time limit for applying for C.P.P.
     disability benefits, and if you are able, it
     might be an idea to apply for C.P.P. after
     you settle your case, so that your C.P.P.
     benefits will not be included in your
     settlement, thus increasing the amount that
     you receive. 

     j)** Name drop.   Even if you don't have
     written reports from particular specialists,
     G.P.s, psychologists, or allergists that you
     have seen, if they were good use their
     names in your general history letter.  It
     adds more credibility to your case.  

     k)** Tests that may help your insurance
     claim: 

          (1)See if you can get into the sleep
          clinic at UBC.   You will be asked
          to sleep overnight at this clinic. 
          Your brain waves will be monitored
          while you sleep.  They are looking
          for abnormal brain-wave sleeping
          patterns - it has been discovered that
          many M.E. and F.M. patients have
          abnormal patterns.  

     l)** Medical report authorization form.  
     Most insurance companies require that you
     sign a release form so they can have access
     to the medical report given by their
     "independent specialist".  One support
     group leader has written the following on
     the form, and it works well for her:  'this
     signature is only valid on the condition that
     I receive full and complete copies of all
     medical reports, written or verbal, and that
     they are sent to my home address at the
     same time they are forwarded by this
     doctor".  This statement ensures that you
     get access to these reports, which you are
     normally not allowed to have, and that the
     insurance company cannot get the reports
     without your signature.  This works the
     same as if you are buying a house, where
     you have a "subject to" condition on an
     offer.  The contract is not valid until those
     conditions are met; if the conditions are not
     met your signature is not valid, which
     means they are breaking the contract by
     getting that report.  If you do not put this
     clause into the contract, then the contract is
     between your company and the insurance
     company, not you - you are not entitled to
     a copy of the policy in that case. #93931-2.

          (1)** Blanket Release Form.  Some
          insurance companies will have you
          sign a blanket release form at the
          beginning of your claim, which
          allows them access to each doctor
          you have ever, or will ever see, as
          well as all your medical records. 
          Be cautious on what you sign, and
          use the clause above to protect
          yourself.  Never sign a blanket
          form.

          (2)** There may be an expiry date
          to this form - sometimes these forms
          are valid for only one year, but are
          still used by insurance companies
          after that.

          (3)** You can ask your G.P. not to
          send any reports without your
          permission.

          (4)** You might request your G.P.
          to ask your "insurance" doctor for a
          copy of the report - he may be kind
          enough to send one.

     m)** Frequency of reports.   The
     insurance company has the legal right to
     have you or your doctor fill out forms
     whenever, and as often as it deems
     necessary.

     n)** Procedures for Insurance
     companies: 

          (1) You have the right, when an
          insurance company sends you to
          their "independent doctor",  to insist
          on a doctor of your gender. Legally
          you must see an independent doctor
          for assessment with regard to your
          claim.  The word "independent"
          may be taken to mean "not on their
          payroll".

          (2)To my knowledge, other than a
          gender issue, you are required to
          see the doctor they refer you to, but
          you can request or challenge a
          doctor that they choose.  Opening
          statement for this might be  "Why
          should I go to a psychiatrist, when
          they are not the doctors that
          diagnose M.E. or F.M.?  I will go
          to an internalist, a rheumatologist,
          or an infectious disease specialist
          that: 

               (a)is educated enough to
               know that M.E. or F.M. are
               organic illnesses;

               (b)has diagnosed several
               people with M.E. or F.M.;

               (c)I will pay half of the fee
               so that we can both be
               assured that this is a truly
               independent assessment.

               (d)you can make this
               request, but  it appears to be
               up to the insurance
               company's discretion
               whether they will act upon
               it. 

          (3)** Insurance companies have an
          appeal process.  This process is
          questionable, but worth a try.  If
          you have insurance company
          questions, contact the Insurance
          Institution Commission With The
          Superintendent of Insurance, phone
          #660-2947. 

          (4)** Never assume people received
          your letter - it might be lost in the
          mail or the recipient might have
          misfiled it.  Phone to confirm that
          your letter was received, getting the
          person's name, date, time, and the
          particulars, or send it registered or
          double-registered mail.

     o)** Be specific on applications.  Be
     cautious  how you fill out applications and
     questionnaires for your disability coverage 
     - be very specific about your limitations. 
     eg do not say only that you cannot walk,
     express it more as "I cannot walk more
     than 1 block at a time,  and suffer for many
     hours (or days as the case may be)
     after over-exerting myself".  Many
     people have made statements to the
     effect that they cannot walk, then
     are caught by a private investigator
     who has video-taped them walking. 
     The insurance company will deny
     you further benefits based on this
     evidence, as you "misrepresented"
     yourself and are able to do more
     than you stated you could.    I am
     aware of at least 7 people from the
     B.C.T.F. (British Columbia
     Teacher's Federation) who have
     been followed and video-taped by a
     detective and subsequently been
     denied further benefits, because
     they were seen doing more than
     they had stated that they could on
     their application (eg walking to buy
     groceries).  

          (1)** Pratima (Phone #421-0147 
          Burnaby) has agreed to collect
          names and be a liaison for anyone
          having problems with long-term
          disability insurance with the
          B.C.T.F.  She is also investigating
          the possibility of a class-action
          lawsuit against the B.C.T.F.

          (2)** B.C.T.F. appears to have a
          tribunal type appeals process.   
          #94017-3.  

          (3)** B.C.G.E.U. (British
          Columbia Government Employees
          Union).  For those who belong to
          the B.C.G.E.U. and are having
          difficulties with their disability
          insurance, contact Bruce Thomson,
          RR#2, Site 21, C30 Gabriola
          Island,BC V0R 1X0.  

          (4) ** Unions and Contracts. 
          During the time I have spent as a
          support group leader, "in general",
          unions are not very aggressive in
          helping people with M.E. or F.M. 
          Press your shop steward and the
          union to protect you.  Use their help
          - that's what you pay your dues for. 
          Read the union and non-union
          contracts that you sign, to make
          sure you know your rights, and
          discuss this with your lawyer.  A
          minimal fee  (possibly over the
          phone) is worth the effort to make
          sure you protect yourself during the
          many years it takes to get over this
          illness.  Don't assume people will
          be fair, just, and compassionate.  

     p)** Appeal the decision  if you are
     denied further benefits through your
     long-term disability plan. Most policies
     have an appeal process.

     q)** Rehabilitation Inspection.   You may
     be asked, or required, to go to a
     rehabilitation centre for a physical
     assessment to determine your limitations. 
     Bring someone with you, and bring a tape
     recorder so that you won't get intimidated
     as easily.  Also bring your "specific history
     letter", as well as the one-page "general
     letter", and make sure it is read.  Bring a
     letter stating that, as with all M.E. and
     F.M. patients, the problem is not only what
     you have difficulty with now, but to an
     even larger extent that doing this action
     may cause an increase in your symptoms
     over hours, days, or even weeks that it
     takes to recover from this physical test. 
     From what I understand, you are required
     to go to this inspection, but you may give
     them this information.  You have the  right
     to stop when you have reached your limit
     and not over-exert yourself (eg ride their
     exercise bike for one minute and stop with
     a statement "This is as far as I can go
     without harming myself").

          (1)** Leslie Tough, a lawyer from
          Winnipeg, Manitoba specializing in
          M.E., states that insurance
          companies can not force you to do
          tests contrary to what your doctor
          recommends.  However the
          insurance company can "cut
          you off" as being
          uncooperative.  {PO}{This
          appears to be the way a lot
          of the laws for disabled
          people work.  It may be
          against the law to do
          something, but you have to
          hire a lawyer and take them
          to court to get justice.}

     r)** Resigning from your job.   Don't
     resign from your job if you are ill. 
     Legally, if you have resigned, and then try
     to go back after you have discovered the
     reason for your illness, or have more proof
     that you have M.E. or F.M., you will have
     a difficult time with the company, as
     according to their records you had left of
     your own free will.

     s)** Standard Insurance Company.   If
     you are having a problem with this
     insurance company, you can call
     #1-800-366-6056.  #94020-3.  The CFIDS
     Association (as of 1993/07) was
     investigating unfair insurance practices
     such as phoning and harassing patients, and
     asking information. #93046-12.

11)** C.P.P. Disability Benefits 
#90049; #93058; #94022-8; #950103-9 

     a)** There are several examples of form
     letters for C.P.P. and insurance
     applications in the "M.E. and F.M.
     Library Materials" #90049;  #93003  More
     information can be obtained by calling
     C.P.P. #666-3040 or 1-800-667-1277.

     b)Contact B.C. Coalition for People with
     Disabilities for assistance  in filling out
     your  C.P.P. application.!!! 

     c)Get a computer printout from your
     pharmacist of all prescription drugs
     received in the last 2 years.  This printout
     lists the prescribing doctor's name, the
     drug prescribed, and the price of the drug.

     d)** Include a list of all the favourable
     doctors you have seen on your application. 
     You can call Medical Services Plan find
     this information.

     e)**  Within the application package for
     C.P.P. disability benefits is a medical
     section that must be filled in by your
     doctor.  Coach your doctor on what he
     needs to write - the following must be
     stated in order for your application to be
     approved:

          (1)You cannot be gainfully
          employed at the present time;

          (2)Your disability/illness is severe;

          (3)Your disability/illness is
          pro-longed (longer than 1 year's
          duration);

          (4)Your disability is permanent for
          the foreseeable future (using this
          statement allows the doctor some
          flexibility in his prognosis, as he
          may not want to state that the
          disability is permanent for all time).

               (a)** Another term your
               doctor might be more
               comfortable in using might
               be "possibly permanent", or
               "apparently permanent".

          (5)** Tell the doctor you will mail
          the form for him, and look at what
          was written.

     Your doctor must be accurate and precise
     in what he states.  Many applications have
     been turned down due to vague or
     ambiguous answers by both doctors and
     patients.  If you do not have a diagnosis
     yet, you are still eligible for the benefits, as
     long as you fit into the criteria. Read all of
     the material in the C.P.P. package provided
     by M.E.B.C. included in the "M.E. and
     F.M. Library Materials" (#90049; #93003)
     to be sure you are producing letters and
     information that will get your application approved
     the first time around. 

     f)** C.P.P. has "independent
     Specialists"  As of 95/10, C.P.P. is
     sometimes making people see an
     "Independent Specialist".   I was told that
     they decide which specialist you will see 
     from their approval list.  You may be able
     to ask for that list and find a doctor who is
     knowledgeable on M.E. or F.M.  You
     might try getting your specialist or another
     favourable doctor added to that list, then go
     to him.   Please pass any names on to
     myself so that I can add the name to the
     doctor's list, and others can benefit.   

          (1)** Neuropsychological tests. 
          You may be requested to have this
          test done, after your C.P.P.
          application is reviewed. 
          #950301-14.  Many psychologists
          that are familiar with M.E. have
          shown these tests display that the
          major symptom of an M.E. patient
          is not depression.  It is essential that
          you get a psychologist that is
          familiar and that believes in M.E.
          or F.M., that has done the tests
          before for an M.E. or F.M. person,
          and that he is up-to-date on the
          current information.  

     g)** Optimism.   #90041 "No note of
     unwarranted optimism should be included,
     rather the bleak factual prognosis should be
     spelled out even though we all wish to
     return to the workforce at the earliest
     possible opportunity."

     h)** When you are filling out your
     application,  avoid statements that suggest
     that you are able to do light work at the
     present time.

     i)** Have someone who is familiar with
     your symptoms describe in a letter how
     your disability has changed your lifestyle.

     j)** Use the "specific history letter"  as
     described previously in Chapter #11 to
     inform C.P.P. of all the pertinent facts, and
     how having M.E. or F.M. has effected 
     your lifestyle.

          (1)** Details in your letter, not on
          the application.  Do not put detailed
          information in the application form. 
          Put down "Please refer to attached
          letter for details".  This ensures that
          they read your attached letter, and it
          allows you to give more details.

     k)** Include your name and S.I.N. on all
     pages attached to the application.  Your
     C.P.P. application goes to many
     departments before final approval. 
     Identifying the pages minimizes the risk of
     pages being lost in the shuffle.

     l)Tell the truth in your application, but
     present the truth to your advantage.  

     m)** There is about a four-month delay 
     in processing your application.
     Approximately 70% of M.E. and F.M. 
     applications are rejected on the first
     submission, but after the second or third
     appeal most people do finally get
     assistance.

     n)There seems to be a long delay from the
     time your application is approved to the
     time you are notified.  You can call C.P.P.
     directly to find the status of your
     application.  They will also tell you when
     you can expect to receive your first cheque.

     o)** Try calling your local M.P. to help 
     with the approval of your C.P.P.
     application or appeal.

     p)** You have 90 days to make an appeal
     if you are turned down.  You can have an
     extension of up to 6 months to make this
     appeal, if you request so by letter. Contact
     the B.C. Coalition of People with
     Disabilities for advice.  According to the
     coalition, with their help your success rate
     on an appeal increases to 90% (95/08). 
     Phone #875-0188/ fax #875- 9227/
     #1-800-663- 1278.

          (1)** You must have a reason for
          making an appeal - you cannot say
          "It wasn't fair that you turned me
          down".

     q) ** Personal Disability File.   You may
     request the entire contents of your file from
     C.P.P., so that you can look at reports sent
     in by a doctor who you might not be aware
     of, or to verify anything that might be
     detrimental to your case.

     r)** The National M.E./F.M. Action
     Network (3836 Carling Avenue, Hwy 17B,
     Nepean, Ontario K2H 7V2  Phone #(613)
     829-6667)  has a system in place to help
     with insurance matters.

     s)** Your application for C.P.P. benefits 
     can be back-dated up to 15 months before
     the actual date of your application. You
     may be eligible for benefits even though
     you were late in applying.

     t)** C.P.P. benefits can be deposited 
     directly into your bank account.

     u)** Most private insurance companies
     will insist that you apply for C.P.P. once
     you have been receiving long-term
     disability benefits for one year.  If you are
     currently receiving tax-free disability
     benefits from a private insurance company,
     you may not want to put much effort into
     applying for C.P.P.  Any benefits you
     receive from C.P.P. dated for the time you
     collected long-term disability (except those
     funds designated for your children) will
     have to be paid back to the private
     insurance company.  You must also pay
     taxes on C.P.P. benefits.  You will actually
     be worse off collecting C.P.P. benefits
     while on long-term disability.

          (1)** The Other Side of The Coin. 
          Be cautious about not applying for
          C.P.P. benefits.  If your insurance
          company stops paying you benefits,
          having the C.P.P. income would
          soften the blow. 

     v)**  You should apply for C.P.P.
     benefits as soon as possible after you
     become disabled, preferably within one
     year of your last employment.
     w)** C.P.P. may go back over the last 40
     years of your employment to determine
     how much you will receive.  Keep asking
     until you get the answer that you want. 

          (1)** You can collect benefits even
          though you may not have worked in
          the last 10 years.  As an example, if
          you had to quit work in order to
          raise your children, and are now
          disabled, you may be able to
          collect.

          (2)** If you are divorced, and have
          never worked outside of the home,
          you can "split the assets" of your
          divorced partner.  I understand it
          does not affect the other person's
          benefits.

          (3)** You can collect the disability
          pension at any age, although you
          must have contributed to the plan in
          order to collect any benefits. In the
          case of a divorce, or spouse's death,
          that person must have contributed to
          the plan in order for you to collect
          any benefits. 

          (4)**  You can get benefits for each
          of your children, up to $157 per
          month per child up to age 18, and
          full-time students to age 25.  

     x)** C.P.P. does not deduct any income
     tax at source - this becomes important
     when you receive your first benefit
     payment, since that one will include a
     lump-sum for any eligible back-payments
     (sometimes amounting to more than
     $10,000). Budget for this once you start
     receiving benefits.  Taxes are not paid on
     your child(ren)'s portion of your disability
     benefit.  The T4 you receive from C.P.P.
     includes only the portion that pertains to
     you, and does not include the monies paid
     on behalf of your children.

          (1)** C.P.P. will deduct your
          income tax on a monthly basis if
          you request them to do so.  

     y)** When you complete your income tax
     return, decide which year the lump-sum
     payment should be used for - the year(s) it
     was back-dated for or the year it was
     actually received.  According to the income
     tax department, claim the lump-sum
     payment for the year it was back-dated to,
     fill out your current year's taxes as though
     you did not receive the lump-sum payment,
     and the tax department will decide what
     portion of your lump-sum payment to apply
     to what year -  eg 80% for 1994, 20% for
     1995.  They make the decision to whatever
     works best for your circumstances.

     z)** Your best effort makes your biggest
     success.  Spend a lot of time with your
     application -  your success rate is much
     greater the more extensive your application
     is.  "It is much harder to clear the water
     after it has been muddied with poor doctor
     reports, or a bad application."

     aa)** Resume.   If you previously  had a
     resume, send this with your application to
     show what qualifications you have, as well
     as to give a more personal touch to your
     application.

     bb)**  Stating your income while on
     C.P.P.  When you apply for other benefits,
     state only your income, not the disability
     portion you receive for your children;
     otherwise your income might be above the
     eligibility requirements for some of the
     benefits.  Unless specifically asked, you are
     not obliged to give out unrequested
     information.

     cc)**  You can go back to work on a trial
     basis for up to 4 months without losing
     your benefits (95/06).  However, you
     MUST make prior arrangements with
     C.P.P.  I STRONGLY URGE YOU TO
     SPEAK WITH SOMEONE FROM THE
     B.C. COALITION OF PEOPLE WITH
     DISABILITIES FIRST!!  C.P.P. benefits
     are easily terminated, but extremely
     difficult to have re-instated.  If you go back
     to work, you may have to work for 3 years
     before you are eligible to reapply for     benefits.  #950603-1

          (1)** Must take any job.  Insurance
          policies generally state that after a
          period of time (1 or 2 years) if you
          can't go back to your original job,
          you must try to work at something
          else (usually 60% - 80% of your
          original salary), and within your
          educational background.  If you are
          a teacher, you are not expected to
          park cars for a living.  

     dd) You may be able to take 1 night 
     school class without losing your benefits. 
     However, again, please speak to someone
     from the B.C. Coalition for People with
     Disabilities for advice.

     ee)** Volunteer activities.   As of April 7,
     1995, you are able to do volunteer
     activities #950603-1

     ff)** Re-assessment.  You can be
     reassessed up to 3 times per year while you
     are on C.P.P. disability, depending on the
     illness.  Of the people I have spoken to
     over the years regarding C.P.P. disability
     benefits,  approximately 3% have been
     re-assessed, but not necessarily
     disqualified.

     gg)** Your G.P. or specialist may be
     contacted for discussions without your
     permission by the insurance companies or
     the government (eg Driver's License
     Renewal).  Make sure you inform your GP
     of a possible call and your positive details,
     or that you insist that no information be
     given without your permission.

-------------------
End of Chapter

M.E. & FM Manual --Main Page
Updated 97/03