I Won’t Apologize for Having Fun While Chronically Ill

When I was six, I was hospitalized with Rocky Mountain spotted fever. At the hospital, I was encouraged to get out of bed, get dressed and spend as much time as possible in the playroom. I brought magazines and books back to my room to read and played with other kids who were up and about on the pediatric floor. There was a girl in the next room with leukemia, and we made faces and waved to each other through our shared window. The fact that I was able to play didn’t mean I wasn’t sick enough to be hospitalized. It meant that regardless of my illness, I was a child with the same needs and wants as other children.

Yet, with adults, the same concept doesn’t seem to hold true. Whenever ill people do — well, anything — it’s taken as “proof” that we’re bluffing about our condition. Many of us are confronted by complete strangers on a regular basis when we go out in public, on everything from using parking placards to requesting ADA accommodation at events. We’re challenged more by people we know, who should really know better.

After I became ill, I decided to go to my favorite theme park one day. I didn’t do much; it was a very sedentary experience. I posted a photo of myself on one of the rides on Facebook with my germ mask on backward, slept for days to recover from my adventure, and didn’t think much of it. A few days later, my Mom called me about it. A “family friend” had seen the photo and was furious about it. She’d apparently complained to several people that if I was at a theme park, I was obviously well enough to be working and was pulling some sort of scam. It had gotten back to my mother.

I promptly unfriended and blocked the person, but their actions stayed with me. For most of the next year or so, whenever I posted a photo of myself doing anything fun, I looked over my shoulder. I always made a point of describing how sick I was and how I’d needed to rest, and how tired I was afterward. I felt the need to qualify what I was doing; to verify that I was still ill, and to remind everyone that there was more to the truth than what was visible in the photo. Someone’s ignorance and unkind judgments had made me feel guilty about enjoying my life to the best of my ability and upset my mom, and that was unconscionable.

It often seems that there’s no real way for chronically ill people to win this battle. Hostile individuals who don’t want to believe that you’re really ill will find fault with anything you do. There’s no way to appease them, regardless of how you live your life.

Some chronically ill people are able to exercise, some are not. Some of us are encouraged to be physically active in some way to help us maintain function (I have a series of physical therapy exercises to do every day to help with some specific orthopedic issues, for instance). Yet, if you’re seen being physically active in any way, it’s taken as a sign that you’re not sick after all. Society likes to applaud those Olympic athletes who fight through their illness or disability to compete. If you fight through your illness or disability to do something physical sometimes, such as a 5K or dance performance, it may be seen as proof that you’re a fraud.

It’s widely accepted that having a strong, supportive network of friends and family is helpful to those who have chronic illness. We’re told that for our own well-being, we should get out of the house once in a while. However, if we dare to go out in public with friends or do something fun occasionally, again, some will believe we’re not sick. And if we spend one afternoon at the movies now and again, it somehow equates to being able to spend 40 hours a week, 50 weeks a year, at work.

If you live alone or don’t have a lot of support, you still have to take care of daily tasks, but something as simple as buying your own groceries might actually be seen as proof you’re able-bodied.

If you are too exhausted or hurting too much to shower, do your hair or dress up you’ve let yourself go; if you go out with makeup and styled hair, well, you’re obviously not sick because you don’t look sick.

If you post photos on social media where you’re looking well people will think you’re not ill; if you post photos of yourself undergoing treatment, you’ll be accused of being an attention seeker.

If you tell someone about the progressive course of your illness, you’re faking it because your Aunt Edna’s son’s niece had the same condition and she’s fine now.

Social media photos and observations of chronically ill people smiling and looking “normal” or doing errands have even been used to deny or remove disability benefits, which is quite possibly the most troubling thing of all. It’s hard to understand that disability determination specialists, doctors and government benefits administrators — people who supposedly are knowledgeable about a wide range of health conditions — don’t accept the concepts of good days, payback and invisible illnesses that do not always have linear trajectories.

Nobody ever seems to consider what’s happening outside and around that Facebook photo they’re snarking about. The fact that it might have been the first time in weeks that chronically ill patient got to do something really fun eludes them. They don’t realize how much those activities cost in terms of pain, fatigue and reduced function. They look at one photo or one Facebook status about one day and think they’re an expert on your life.

I’m not sure what these people think we’re supposed to do every day. We have incurable chronic illnesses. We often spend most of our time either at home or in treatment as it is. We’re often exhausted and in a lot of pain. If we’re not able to work full time, are we supposed to forgo any and all moments of joy, distraction, social interaction or enjoyment? Will that help us in any way? Being sick is extremely hard for many of us. It’s even harder when hurtful, judgmental types decide that illness should invalidate the fact that we have the same needs as anyone else. Instead of telling chronically ill individuals to shake off comments and accusations, maybe the onus should be on these hecklers to refrain from making them and mind their business. Is it really that hard to leave other people alone?

Eleanor Roosevelt once said: “Do what you feel in your heart to be right — for you’ll be criticized anyway.” I’ve taken those words to heart when it comes to interacting with others about my chronic illness. I am no longer particularly nice when I’m confronted by impromptu judges. Every once in a while someone honestly doesn’t understand, and politely and succinctly explaining a few things helps them. More often, though, they’ve already come to their own conclusions and nothing I say is going to put a dent in their hostility. I won’t waste my time trying to justify myself to random strangers and mean-spirited acquaintances who have appointed themselves judge and jury of my life.

I can’t stop others from thinking whatever they want about me. However, I can and do refuse to comply when someone demands apologies, guilt or justifications from me for getting out of the house once in a while. Anyone who decides that chronic illness somehow invalidates my needs as a person — including my needs for happiness and socialization — isn’t getting an iota of my concern.

Source: http://www.goodmorningusa.tk/2016/12/i-wont-apologize-for-having-fun-while.html 

Backlog of applications for veterans benefits still greater than 11,500

Veterans Affairs benefits logjam 'makes my argument' for reform, says military ombudsman

"I think it's patently cruel to force veterans to have to prove over and over again to Veterans Affairs medical doctors something they have proven to Canadian Forces medical doctors," he said.

Source/more:

http://www.cbc.ca/news/politics/veterans-benefits-backlog-1.3781470

Christina’s Story – Breaking Free from the Cycle of Pain

Pain. It can break the strongest of us. Sometimes it is sudden and sharp, cracking like thunder, sending bolts of electric agony through us. Other times it might roll in like a fog, slowly enveloping and separating us from the world until it is our new normal. Pain can suck the joy out of life, if you let it. Christina Evans knows all-too-well about pain, but she chose to do something about it and changed her life for the better.

Christina’s story begins in 2006 when she started to experience neck pain on a regular basis. Usually the discomfort would last about a week, and then life would return to normal. Over the course of the next three years it began happening more often, and soon things began to get worse. Her limbs alternated between numbness and pain, she endured two pregnancies made difficult by her mysterious condition, and was forced to wear wrist braces just to do simple tasks. Then one day she woke to find the entire left side of her body numb, and what wasn’t numb was radiating with intense pain. An emergency MRI was ordered and Christina finally discovered the cause of all her pain: syringomyelia.

Syringomyelia is a very rare disease in which a cyst forms within your spinal cord. As the cyst grows over time it compresses and damages the spinal cord, causing pain, weakness, numbness, migraines, bowel control issues, difficultly with speaking and swallowing, paralysis and more. Some cases of syringomyelia are treatable, usually with surgery, but not Christina’s.

Without a cure, with the cyst growing and her pain increasing, Christina struggled to live a normal life. She couldn’t work, could barely parent and was considering going on disability. She lived in constant pain and a drug-induced haze........

Source/more: https://www.cannimed.ca/blogs/blog/117520965-christina-s-story-breaking-free-from-the-cycle-of-pain

Dear Doctors, Here's Why It's Unhelpful When You Call My Pain 'Discomfort'

You know how doctors always use the word “discomfort” to describe our pain? Instead of recognizing that we are in agony, instead of calling our pain what it is… pain… they often downplay the language they use to describe the severity of what we are feeling.

Source/more:

https://themighty.com/2016/10/why-doctors-shouldnt-call-pain-discomfort/

Chronic Pain Can Cause Long-Lasting Damage To Your Brain

Chronic pain can damage and change your brain. If you live with chronic pain, you will know how devastating and wide-ranging the effects can be on your mental processing speed, your mood, and your memory.

Source/more:

http://www.lifehack.org/450898/chronic-pain-can-cause-long-lasting-damage-to-your-brain

Signs and Symptoms of Myofascial Pain

The condition of myofascial pain syndrome is considered a chronic pain disorder. In this condition, pressure on trigger - or sensitive - points on your body result in pain in areas of your body that seem to be unrelated. This is known as referred pain.

Source/more:

http://www.chronicbodypain.net/signs-and-symptoms-of-myofascial-pain/

WSIB slashes injured Pakenham paramedic's compensation

Dan O'Connor sits in his living room in Pakenham, Ont., trying to find the words to describe the excruciating pain that racks his body


He hardly needs to. His agony is plain to see.


O'Connor, 54, winces as he shifts his weight in the chair, trying in vain to find a comfortable position. The pain makes it difficult to sit for more than 15 minutes at a time, even with his legs elevated.

Source/more:
http://www.cbc.ca/news/canada/ottawa/wsib-injured-worker-paramedic-1.3779727

Chronic pain: do patients get the care and treatment they deserve?

A long wait is not unusual for those in pain. While wait times to see a pain specialist are difficult to track and vary widely, a telephone survey conducted by the Canadian Pain Coalition for their 2014 “Painful Truth Report” found that chronic pain sufferers waited, on average, nearly 18 months to see a specialist. Anecdotally, physicians and patients said wait times to see a pain specialist could be anywhere from nine months to a year but could reach as high as five years.

Source/more:
http://healthydebate.ca/2016/10/topic/chronic-pain-care-treatment

FSCO: Chronic Pain Removes Applicant from Minor Injury Guideline

On July 7, 2015, the Financial Services Commission of Ontario (FSCO) released its decision in Arruda v Western Assurance (FSCO A13-003926, July 7, 2015), providing additional analysis of the MIG. In this decision, Arbitrator Shapiro found that despite having suffered soft-tissue injuries in the subject accident, Ms. Arruda’s subsequent chronic pain diagnosis took her out of the Minor Injury Guideline.......


More:
http://www.timleighbell.com/car-accidents/fsco-chronic-pain-removes-applicant-from-minor-injury-guideline/

Medical marijuana seems to help chronic pain patients: Study

TORONTO -- A benchmark study has found that patients who use medical marijuana to treat chronic pain don't have more serious side-effects than sufferers who don't use the herb....

More:
http://www.torontosun.com/2015/09/29/medical-marijuana-seems-to-help-chronic-pain-patients-study

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.

The New Minister Pierre Poilievre Responsible for taking care of the backlog (that this blogger has contacted, but had no response from) has not gotten rid of the backlog of Appeals.

Someone called. We could not make it out. Someone called again, it was the Social Security Tribunal of Canada, her message said “if your matter has already been completed then you can disregard this call” “otherwise you can call us” and left an OUT OF SERVICE NUMBER 1-877-277-8577.

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.

NO NAMES ARE POSTED ON THIS PAGE AT THIS TIME

THIS POSTING WAS SENT TO THE SOCIAL SECURITY TRIBUNAL OF CANADA NAME INCLUDED 

Cc: undisclosed

$100,000 Non-Pecuniary Assessment for Chronic Soft Tissue Injuries With Psychological Component

Reasons for judgement were released today by the BC Supreme Court, Vancouver Registry, assessing damages for a chronic pain condition stemming from collision related soft tissue injuries.

In today’s case (Karim v. Li) the Plaintiff was injured in a 2011 collision.  The defendant accepted fault for the crash.  The Plaintiff suffered various soft tissue injuries which, coupled with psychological consequences, resulted in an ongoing chronic pain condition.  In assessing non-pecuniary damages at $100,000 Mr. Justice Abrioux provided the following reasons:

More/source:
http://bc-injury-law.com/blog/100000-nonpecuniary-assessment-chronic-soft-tissue-injuries-psychological-component?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+IcbcLaw+%28ICBC+Law%29

Remedial Costs for Unreasonable Settlements by Insurers

February 22nd 2015by Omar Ha-Redeye

 

In the threshold motion in Maxwell v. Luck, previously discussed here, Justice Howell pushed back against what is increasingly becoming a routine attempt by insurers to dismiss chronic pain on the basis of the lack of objective symptoms in personal injury claims.

The cost award, released shortly thereafter, may have significant effects on how insurers in Ontario approach threshold motions in the future.

Justice Howden awarded fixed costs of $150,400, and disbursements of $ 56,332, taking into account that the plaintiff was under a statutory obligation to pursue accident benefits as well. This approach was upheld in Moodie v. Estate of Delores Greenaway, [1997] O.J. No. 6525, where the court stated,

In my view such pursuits are part and parcel of the Plaintiff’s obligations in an action against the tortfeasor by reason of the releases available to the tortfeasor under the Insurance Act and only in any compelling circumstances should the unsuccessful tortfeasor escape responsibility to indemnify the Plaintiff for the costs of such pursuits…

However, Justice Howden also made note of the “hard nosed” approach adopted by the insurer, who had not made significant efforts to resolve the dispute. Insurers are required under ss. 258.6(1) and (2) of the Insurance Act to participate in mediation, and ss. 258.5(1) and (5) requires them to “attempt to settle the claim as expeditiously as possible.” Where they fail to do so, the court is required to consider this when awarding costs.

Justice Howden in applying this provisions awarded an unusual “remedial” penalty. This penalty was described by the Ontario Court of Appeal in Keam v. Caddey,

[28] Morden J.A. describes the costs sanction as a “remedial penalty”. It is remedial because it is intended not only to compel compliance by insurers with an important statutory purpose, but also to provide a remedy to the other party who was deprived of the opportunity for an early settlement of the claim. It is a penalty because it is not intended to be merely compensatory of costs unnecessarily incurred by the other party or parties, as that objective is already addressed by other costs provisions of the Rules of Civil Procedure, but to provide a meaningful consequence to an insurer that elects not to comply.

[29] The legislature chose not to provide a specific cost consequence for an insurer’s failure to participate in mediation, such as substantial indemnity costs against a losing defendant or deprivation of full costs of a winning defendant. Instead, the trial judge is accorded the discretion to determine the appropriate cost consequence in each case. In summary, where an insurer breaches s. 258.6(1), s. 258.6(2) requires the trial judge to ascertain the appropriate remedial costs penalty in the circumstances.
[emphasis added]

The purpose of these provisions has been described by Justice Ramsay in Ross v. Bacchus as follows,

 [6] …I infer that the insurance company conducted itself this way in the hopes of intimidating the plaintiff and deterring other plaintiffs who have meritorious cases…

The public policy rationale behind this is that there is inherent power imbalances between insurance companies and public litigants. Without a statutory obligation to settle a claim and explore mediation, insurance litigation would be characterized by an inherent unfairness to the opposite party.

Judges have refused to award remedial costs outside of the context of the Insurance Act. For example, Justice Ramsay rejected that these provisions should apply to the municipality in Williston v. City of Hamilton on the basis that the defendant was not an insurer by name or by subrogation.

However, the Ontario Court of Appeal overturned this decision, stating these provisions are not to be interpreted as applying strictly to insurers, especially where counsel are representing both the municipality and the insurance company.

In Maxwell, Justice Howden assessed the remedial penalty to be $50,000, for a total costs award of $256,732.

Both Ross and Maxwell are currently being appealed, but serve as an additional warning towards insurers. As the decision in Lakew v. Munro illustrates, insurers will not automatically be held liable for remedial costs simply because a file fails to settle. However, insurers should be more reluctant to dismiss subjective pain symptoms on the lack of physically observable objective mechanisms. The medical science itself illustrates that pain perception is far more complicated than that.

The additional warning in the costs decision is that the hard stance taken by insurers since the 2010 insurance reforms and following may have other financial implications. When an insurance company offers no settlement and refuses to mediate outright, courts are likely to express censure to this behaviour. The insurance system is under significant pressure, and legislative amendments were intended to streamline claims and pass on savings to consumers.

Instead, insurance companies have appeared to profit. Hard-line positions by some insurers who are known to largely refuse settlement can result in up to a dozen or more claims which are abandoned by plaintiffs, representing significant savings to the insurer. But neither benefits the clients of the insurer, or those involved in a tort claim benefit. More importantly, the refusal to settle imposes a cost burden on the justice system itself.

Bruce Cran, president of the Consumers’ Association of Canada, stated,

Insurance company margins have increased incredibly over the last decade. The companies are making a lot of money and people are getting less benefits … to be perfectly honest, I don’t know how you’re going to fix Ontario.

 

Comments

Brian Francis

February 22nd, 2015 at 11:20 am

RE: ” the “hard nosed” approach adopted by the insurer…”

This will never end until the insurers’ rogue medico-legal experts upon whom they rely for their (too often) bogus accusations of malingering are purged from the system. But neither the insurer defence lawyers nor the plaintiff lawyers (OTLA) have the slightest interest in cleaning up the shoddy IME/IE system which drives the Ontario auto insurance adjudication system. Better to litigate (talk about) this stuff over and over (on the clock) than to expel the “hired guns” from the system. To do so would result in less work for the lawyers. So it doesn’t matter that “Calling an expert to say that no objective finding equals no pain is on longer acceptable (below)” – the lawyers keep on keeping. This I just one more reason why litigation costs keep escalating while access to justice keeps diminishing.

https://www.canlii.org/en/on/onsc/doc/2008/2008canlii49158/2008canlii49158.html?searchUrlHash=AAAAAQARY2xhc3NpYyBoaXJlZCBndW4AAAAAAQ&resultIndex=1

Guerrero v. Fukuda, 2008 CanLII 49158 (ON SC)

[4] A whole specialty in medicine now exists dealing with physical medicine and rehabilitation. This is sometimes referred to a s physiatry. Experts in this field are relied upon by litigants often. They do not rely upon the expert for treatment or rehab but rather to determine whether or not the expert believes pain exists.
[5] Pain, and its degree of severity, are subjective and can exist without any objective finding. Calling an expert to say that no objective finding equals no pain is on longer acceptable. That same expert will often treat the pain that exists even though it is without objective findings.

[7] Usually this matter, in jury cases, is left until all of the evidence has been heard. The threshold issue is then argued in the absence of the jury, often while they are deliberating.

[8] This can easily result in conflicting decisions as effectively both judge and jury are separately determining the existence and severity of the alleged injuries. The trial judge may well find that the threshold “was not met” and then be confronted with a substantial jury award which would indicate that the jury believed otherwise.

[9] I suspect this, in many cases, leads to the judge awaiting the verdict of the jury before rendering a decision on the threshold issue and thereby being unduly influenced by the jury findings.

[10] Perhaps the threshold issue should be decided by the judge before the jury is permitted to retire to consider its answers to the questions. This could resolve the issue of the non-pecuniary loss and limit the questions to be answered by the jury to pecuniary damages.

[11] This, however, would probably defeat the purpose of having a jury at all, as most often I suspect the purpose of selecting a jury relates directly to the assessment of general damages.

[24] I reject Dr. Clark’s evidence outright. He was a physiatrist called by the defence. His evidence was a classic example of a highly qualified doctor with a pre-existing bias, appearing as a hired gun to discredit Ms. Montero.


Source: http://www.slaw.ca/2015/02/22/remedial-costs-for-unreasonable-settlement-on-threshold-motions/

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?



Source: http://survivingacollision.blogspot.ca/2015/01/delay-deny-wait-for-them-to-die-at-sst.html

Imaging study finds first evidence of neuroinflammation in brains of chronic pain patients

By Massachusetts General Hospital on January 17, 2015  

 A new study from Massachusetts General Hospital (MGH) investigators has

found, for the first time, evidence of neuroinflammation in key regions of the

brains of patients with chronic pain. By showing that levels of an inflammation-

linked protein are elevated in regions known to be involved in the transmission

of pain, the study published online in the journalBrain paves the way for the

exploration of potential new treatment strategies and identifies a possible way

around one of the most frustrating limitations in the study and treatment of

chronic pain – the lack of an objective way to measure the presence or intensity

of pain.

Source and  more: http://www.psypost.org/2015/01/imaging-study-finds-first-evidence-neuroinflammation-brains-chronic-pain-patients-30902