There is refuge in truth. We don’t need a soothsayer, prophet, or saint to make that clear- time and experience will make that clear to everyone. Yet there is also struggle with truth, in my case a struggle with those who deceive and manipulate my situation such that I’m resigned to defending my right to treatment, to the benefits that should be unquestionably afforded those who get stuck by a car in broad daylight while crossing an intersection at 2pm in the afternoon.

My journey through the past year and a half has been at times one of stagnancy, of circles, of learning, growth, and more recently of perseverance. And the truth, my truth, has been hidden from me. Those parts of who I am that get to speak to me when I’m feeling free, when I’m feeling calm and uninterrupted, have been stolen. The constant gloaming of having insurance companies, doctors, specialists, lawyers, and complete strangers make my intimate physical, psychological and personal details into documentation for others’ ends have taken their toll.

And there’s waiting, so much waiting. Waiting on cheques; waiting on doctors in hallways and lobbies and foyers; waiting for results; waiting for permission; waiting for returned calls and e-mails; waiting for everything, every step of the way. Not only have I been physically disabled, but I’ve been made to be the buck that’s passed between all those who make a living off my misfortune. And the half-truths, manipulations, and deceit of insurance company actions are for lack of a more fitting term, despicable.

To have control taken from you, but then not being directly controlled is a very strange and trying experience. I have fought to take what little control back I could, and have enjoyed it, though stressful. Moving to a better place to live was a big step, both for its own stress and because the reality is that financially I could, at any time, be cut off from my subsidy and forced to fight for it.

It’s actually quite easy for an insurance company to cut someone off that’s entitled benefits and make them fight for them. This is something which could last a year in length and I wouldn’t see a dime of what’s owed to me. Unfortunately, this kind of tactic is a horrible thing that can be done to even someone like me - someone who has proven time and time again through each examination and report that I continue to have pain related to the accident, someone who has made every effort to recover and to return to full health, not because it ensures me the miniscule financial benefit I recieve, but because I want my life back.

I have, on multiple occasions had anxious, sleepless nights, where the urge to run, to escape and vanish from this whole ordeal and put it behind me has been almost overwhelming. Even if it meant living where I do and writing to everyone involved and just simply saying “I’m done” - I’ve considered it. Even if that left me screwed, sometimes it felt like the only way to ensure my sanity. Though the following day I had the same simple truth rise like the sun and remind me that it wouldn’t change anything that’s happened, and only serve to destroy what little chance I have now of getting healthier and having some kind of end to this which will help me down the road.

There is most certainly refuge in truth. Finally, my truth has been slowly creeping back in. It’s been fighting for a voice, for a way to become the guide again, and is now chasing out the urge to run, and instead install the urge to fight harder. This fighting part of me knows that whatever the outcome, I will really only be at peace knowing that I did persevere, that I did see this through to its end, whenever it may come. That I fought for what I needed for my health, happiness, and retribution in terms of what’s been taken away from me.

I can’t imagine what things would be like if I didn’t have something else to put myself into over this time I have been off work. This website, and working with Matt has been a huge light in all this darkness. I can only imagine what it’s like for those who go through these types of experiences and don’t have other outlets that they can enjoy - not to mention the support from readers of this website, family, friends, and most of all Sara, who has been at the other end of the rope I’ve been clinging to, pulling me through the hardest parts with her unspeakably loving way.

And now its back to waiting for another day.

In Addition

This entry has been updated with minor corrections.
An older entry “Silk Thread” written by the author can be referenced for context.

About This Entry

  1. Hang in there man. It’s sort of amazing that when something got damaged in my house that it took my insurance company only 24 hours to process the claim and mail me a cheque (without any receipts). But that you, despite having medical evidence that you’ve been injured, have to endure a multi-year effort to get compensated. Doesn’t seem right.

    03 / 05 / 17:33
  2. Buddy… I can relate…
    But thank your lucky stars that you live in Canada…
    my disability ends March 15th…
    no more money…
    And my hand still cramps so badly that I have trouble using a mouse or driving for very long… pretty discouraging considering I need to do both those things to keep food on the table… and they haven’t even bothered to look at my neck and shoulder, which are both still numb…
    How is this for a catch 22?
    I’m still in physical therapy and the doctor hasn’t released me to work and yet my case is still open…
    Not to be overly dramatic, I have two choices… work injured… or don’t eat… and if I do work injured, I essentially tell the system that all is well and the case is closed..
    The California Worker’s Comp system has done their job… it has held me at arm’s length while denying me treatment… it was more benificial for them to mothball me for two years than to pay for expensive medical procedures…
    so… two years gone… career gone…
    now what?
    now what?
    now what?
    I’m trying to not think about it…
    Matt is gonna be down here in a couple days… I hope to have some beers, some good conversation…
    Then I guess the next chapter begins…

    03 / 05 / 17:49
  3. Dale,

    I had to read back a bit to find out what you were referring to. My best friend got hit by a car in November and, reading this entry and past ones on the subject, I get a glimpse of what’s in store for her over the next couple of years. It’s already been hell for her physically, but a new sort of hell is starting for her in dealing with insurance people and lawyers and specialists and more lawyers and more insurance people… what an ordeal. She’s mentioned the same thing you do above– just wanting to say “I’m done,” getting it all over with, not having it hang over her anymore. But, she’s tough and a fighter… as it seems you are, too. No doubt it’s one of those experiences you wish you never had to go through, but one that ultimately makes you stronger for it.

    All the best.
    Kelly

    03 / 05 / 18:40
  4. It’s certainly a dark place this waiting. I’ve been watching my father over the past two years slowly getting to the point where he’s walking and moving around, but he’ll never be the same.

    part of that is because the insurance he dutifully paid into for the past 20 years faught him every step of the way for any kind of treatment. Physio being the most important once his obvious wounds healed.

    great post.
    G.

    03 / 05 / 18:46
  5. Dale are you speaking to worker’s comp, EI, CPP or DI?

    Obviously if it’s worker’s comp - the contract and the lawyers that interpret it will be thorough in ensuring that claims are paid to only the most deserving claimants. By “interpret” I mean litigate - by “thorough” I mean try every opportunity to see that minimum payment is made.

    CPP has a very strict definition of DISABILITY. You must be very disabled to collect.

    EI is a bit more liberal but the benefit period is not as long.

    Disability insurance. Not an easy game to play. When looking at any policy be sure to be clear on what the contract refers to as “DISABLED”.

    Sometimes it’s the ability to do your own occupation (which is more expensive) or some times it’s the ability to carry out any occupation (less expensive).. Or your own regular occupation where you can perform some but not all the duties of your previous employment.

    Job occupation classifications are also worth paying close attention to - and if the duties that you are required to do are at all related to one’s own partial disability.

    Then there is the elimination period (the time from being disabled until collection of benefits).

    There is also the benefit period - (how long the benefits will be paid for).

    Hindsight is 20-20 but having a firm understanding of ones coverage is piece of mind as to what gaps could exist in the event of the worse case scenario.

    03 / 05 / 18:48
  6. Thanks for the perspective, Dale.

    Fantastic post title by the way.

    03 / 05 / 18:53
  7. You have the Strength.

    03 / 05 / 19:07
  8. I have often wondered what the person that hit you that day thinks, or if they even think about it at all.

    03 / 05 / 19:58
  9. I know. She’s never contacted me, I’m sure on legal grounds its best not to- you wouldn’t want it to be used against you as an admission of guilt.

    But the question remains, is there any?

    She didn’t even pick up my registered letter regarding my right to retain legal counsel from the post office.

    03 / 05 / 20:30
  10. Quoting Matthew Good:

    I have often wondered what the person that hit you that day thinks, or if they even think about it at all.

    My guess is she either thinks about it all the time, or she has terrible dreams and can’t figure out why.

    Chin up, Dale. The good guys team needs you.

    03 / 05 / 23:36
  11. Things will get better. Just watch:)

    03 / 06 / 01:59
  12. Our health is really the most important thing any of us have, and it can be taken away so quickly yet so many of us take it for granted, myself included. I fully expect/hope that I’ll be able to operate at my current function for good and I don’t worry about things like getting hit by cars, as I’m sure you didn’t either.

    Having said that, I can’t imagine how bad it must feel to be in constant pain and feel as though you’re nothing more than a liability to some pain in the ass insurance company. I’m sure it’s rough and you seem to have the resolve to do what is right for you, whatever that is.

    Good luck with this, I hope your health returns in full and you can one day put this behind you completely.

    03 / 06 / 05:17
  13. Big hugs for you and yours Dale.

    When my son had his accident, breaking his neck after flipping his bicycle, it took over two years to get things straightened out. All because the city couldn’t be arsed to fill a long-standing pothole. He’s “fine” now, but he’ll never be the same. Nor will I.

    03 / 06 / 05:41
  14. I bet she thinks about you all the time. She probably just hasn’t faced it herself to contact you.

    It always amazes me how the people who don’t need it and abuse the system always get the support but then the truly genuinely hurt people get screwed. I know what you’re going through though. The tests the thousands of doctors poking and prodding and sending you to a whole bunch of useless tests just to tell you that if you aren’t better than nothing can help you. I was hit four years ago, the ac joint in my right shoulder was completely permanantly damaged - what does that mean? Migraines for the rest of my life. I went through the riggamaroll driving to clinics to have people I never even met tell me whether or not they felt I was actually hurt. I won’t bore you with the details. . but my chiropractor saved my life he managed to get migraines from four times a week to maybe four times in six months. Stupid insurance companies.. what do we pay them for anyways.?

    03 / 06 / 05:49
  15. I think You have good Reason to be hopeful….Dale…
    Do your best to find a Way to deal with the Difficulty
    because You know….in the End….
    your Problems are ultimately going to work in your Favour…

    P.s.: There is also an amazing personal Reward
    in perfecting the Art of Waiting….

    03 / 06 / 08:44
  16. It’s unfortunate that you have to stifle your truth and feel bound by ball and chain.
    My Aunt recently divorced my Uncle who is on disability for a sickness that doesn’t really exist. It makes me sick that he gets coverage no questions asked, while people like yourself who’ve been wounded by another are forced to wait for some kind of help. If in the end it seems like any sort of help at all.
    I’m sorry you have to go through that. Nobody deserves it.
    I’ll send some good thoughts your way and keep you in my nightly mantras.

    All will be well.

    03 / 06 / 09:27
  17. i hope things eventually work out…

    03 / 06 / 11:02

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