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The unbearable weight of bureaucracy

The unbearable weight of bureaucracy

Yesterday, a friend of mine came over so I could help her work on her own disability application. I don’t want to discuss her medical concerns here but I feel that she was rejected for very poor reasons so she is currently working on contesting the decision. I sent her home with my personal forms in the hopes that they would be helpful with wording.


Four years ago, I retired permanently on LTD (vs. the STD I had been on for the 2 years prior)

Unfortunately, the barrier to many things is bureaucracy. We have a joke in our family that I am the queen of cutting through red tape. I can stay on the phone for hours, hold music is my favourite jam. The reality is that for most folks, this is an absolute nightmare. Trying to manage everything from subscriptions to telecommunications companies to (the worst of the worst) insurance companies is so daunting for folks that I don’t blame them for putting it off.

One of my most brilliant friends got so overwhelmed during her partner’s treatment that they just paid the bills rather than fight with health insurance (they are in the US). It’s a sad fact that when you are the least able to manage the stress of dealing with an administration is when you require those skills the most. They are also lucky in the fact that the company has an entire department dedicated to managing health insurance claims on behalf of the employees because they recognized that it was cheaper to pay an entire department to do the work of waiting on the phone and writing email than it was to pay their top performers/earners to do it themselves. That is how much time and energy this busy-work entails: you need to add an extra layer of bureaucracy to get what you are essentially paying a fortune for.

On the flip side, you are also paying for companies to add an extra layer of bureaucracy in terms of hiring what is the equivalent of human firewalls to essentially deny claims all day. This has been studied and often if you have the time and energy to fight the insurance companies you will often win. Now AI is involved in claim denials, so that’s a fun layer of complexity. Who doesn’t LOVE the idea that our financial stability and credit rating are at the whims of computers?


Back to my friend who was denied. She has been on this journey for over a year. She has had referral after referral and has some real, physical issues that can be seen in tests. She was still denied because unfortunately, you need to have the right people at the helm filling out forms and you need to be detailed but succinct. Long essays about emotional stress doesn’t hold as much weight as point form facts. Here is a (non-exhaustive) list of things to keep in mind when you are filling out forms for a disability claim:

Don’t wait: get to work right away with tests, keep the dates and the names of who you have seen. Have a clear path showing that you are working on getting a diagnosis and improving your health.

Keep a personal record of your symptoms, the list of drugs you are taking and the tests you have had: unfortunately, you will constantly be asked about your symptoms by a variety of different health care workers. I found it easier to just keep all this information in a word document and add to it as I went along. If you have a symptom that just started to happen, make sure you note the month and year. Inevitably, when you are repeating the same information over-and-over again you will find you may forget some pertinent details. I have been told by professionals that they appreciated that I printed it all out for them so they could just copy the info they needed into their records.

Before you apply for LTD either have a diagnosis or have a clear path to getting one: when you are suffering through a health crisis the weight can make you feel like curling up on the couch and just wasting the days away. Please don’t do this. Be as engaged as possible with the process. You will be required to prove that you are doing due diligence in improving your symptoms.

Learn the lingo: it’s fasciculations, not “twitches.” It’s spasticity not “tight muscles”. When writing about your symptoms, try and use medical terminology so that you look informed.

Focus on what you can’t do, not what you can: we all want to feel capable and want to highlight the ways in which we are able to overcome adversity. But the insurance system (private or state funded) is designed to focus on what you can’t do, not what you can do. The way you word things matters! I have a friend who works for the agency that manages the provincial disability system (ODSP) and I asked him once for advice and he said the biggest thing people do wrong is that they word things in a way that makes it seem like they are mostly functional.
GOOD: I can’t get out of bed some days. I cannot button my shirt without assistance some days.
BAD: I can get out of bed most days. I can button my shirt most days.

If possible, have a specialist fill out the forms: a GP/Family Doctor does not carry the same weight as a neurologist or oncologist. Get as much concrete info as possible, and by concrete I mean actual tests that show there is something wrong with you. Above all, focus on what can be seen or what you can prove. An MRI report holds way more weight than a list of symptoms. Videos also can help without just relying on your say-so.

Which brings me to the worst one…
Sadly, no one cares about mental health: I know this is going to sting but please try and keep in mind that unless you have seen active duty and have PTSD, mental health challenges are notoriously difficult to prove. Only one person I know has ever received LTD was severely bi-polar and it had affected the workplace so severely AND they had to become an in-patient at a mental health facility to get it. You may be able to use STD to go off for a period of time with anxiety and depression but at least where I live I haven’t heard of anyone getting permanent LTD for it.

I know absolutely how anxiety and depression play a huge role in physical health as well and if I ruled the world things would be different. But I haven’t heard of anyone crafting an application with a huge mental health component winning a case.

Keep in mind that the people who review your case see thousands a week: be factual, be clear, don’t use flowery language, don’t talk about your feelings too much unless it is directly related (ie: a medication known to cause emotional turbulence), check your spelling/grammar, type vs. handwritten. Above all, remember that it’s not an essay, it’s a description of your symptoms/abilities/limitations/diagnosis.

In the end, it is up to you to prove that you have a sustained, long-term disability that prevents you from performing the necessities of life. Here are a few resources for Canadians that they may find helpful:

The CPP-D information and application: even if you are on a provincial or private disability benefit that would knock your CPP-D benefit to $0, if you have worked in the past it pays to apply anyway. To be on CPP-D means that it “stops the clock” on the years required for regular CPP benefits when you turn 65. If you have children, you also get a monthly amount for them as well.

Disability Tax Credit: this gives you a non-refundable tax credit for $9428 (2024).

The Registered Disability Savings Plan: this is worth it for everyone who received the DTC. Even if you don’t put a penny in, the government will put money in for you (you must get the DTC to get an RDSP).

The CPP Disability Channel: it hasn’t been recently updated but the info is still great.

The Resolute Legal Disability forums: this is an amazing searchable archive where you can get answers – or ask questions – to almost anything disability claim-related from private to public claims as well as government programs.

It is imperative that you do due diligence in exploring the programs and services available to you. I have private health insurance benefits but there are programs to help people in my province who may not be on ODSP but who have high prescription drug costs or who require mobility aids. It never hurts to spend a day seeking out any services or assistance in your community such as Meals on Wheels who not only service the elderly, but the disabled as well (temporary or permanently). There are myriad resources available to people at the city, provincial and federal level.

Just keep on keeping on

Just keep on keeping on

What I’m reading
Vanguard’s guide to retirement withdrawal strategies.

[E]very conversation takes place on two levels. The official conversation is represented by the words we are saying on whatever topic we are talking about. The actual conversations occur amid the ebb and flow of emotions that get transmitted as we talk. With every comment I am showing you respect or disrespect, making you feel a little safer or a little more threatened. The Essential Skills of Being Human.

Deep thoughts
When the kids came home last night the first thing they both said when they walked in the door (1/2 hour apart) is, “You’re dressed! What’s going on!?” UGH. I need to get out more. In my defense, it’s been a lot of bedrest for medical reasons and once that was done, Mr. Tucker had condo stuff to do in his spare time so all personal stuff was de-prioritized as we ended up in survival mode. But it’s time.

Still, I want my kids to remember having an active mother who go out as much as she could despite disability. In general, I feel like I am way more active than a lot of other disabled folks. Some it’s due to the severity of their disability and for some it’s just plain giving up. If I was a researcher I would study the health trajectories/outcomes of people who had a positive, life-affirming attitude and those who give up once they’re diagnosed. I am happy to offer support, kind words and resources to people going through a rough time – sometimes you just need to complain to other people who understand what you are going through. But I’ve had to block individuals in online PLS groups because they were posting constantly about how awful they felt and how they can’t do anything and how all of their friends don’t want to hang out with them. It was a constant barrage of pity-party posts and it just exhausted me and brought me down. I think perhaps these people should reflect on whether or not it was disability that turned people off or if it was the constant complaining?

But truth be told, while I have experienced some of that, most of my good friendships got stronger after I was diagnosed. Sure, some people will always fall by the wayside but it’s difficult to tease out how much of that is just a natural progression in friendship and what is an inability to manage someone’s diagnosis. I keep showing up for them and in turn they keep showing up for me.

But back to last night’s astute observation by my kids. If I’m honest, pre-pandemic I went to the gym 3-5 days a week, did dragon boat, walked or biked around the neighbourhood more and did physiotherapy twice a week. Since then, I haven’t been back to my usual activity levels and my return to dragon boat was thwarted by my broken foot followed by a huge pelvic surgery (that went a bit sideways). It feels like since we have been back post-pandemic with some regularity, it’s been one thing after another. Having said that, I am determined to change that even as we head into winter. I think I have been focusing too much on what I can’t do and not really focusing on what I can. In other words, while I am not whinging about it on facebook, I am falling into the same trap of the people who constantly complain. I need to show up for me.

Next weekend is pretty social with games night and heading out for dinner with friends on Friday night. The following weekend is book club. These things remind me that I am still doing things but I am just not back up to the level I once was. I plan to change that.

What I’m up to
Mr. Tucker is at the condo today as the appliances have been delivered. He sent me a picture and they look FANTASTIC! He also replaced the vent covers, replaced the shower curtainrod and now he’s putting the doors back on and measuring a few things. The last things we need to do are: fix the window, install the microwave, replace the bathroom fixture and replace a curtain on the closet.

It finally feels like we are in the home stretch and are almost ready to put it on the market!

Oh, and as for last night: we went out to buy paint for the room switch! The Eldest is moving into the office downstairs and Mr. Tucker is moving the office upstairs. He plans to do most of the painting next weekend as it is American Thanksgiving and it’s super slow at work. That will leave him energy to paint at night. Then on the weekend, we will move her stuff downstairs. Damn, it will be good to be able to have a shared office again. I have a desk tucked into a corner of the living room and quite frankly – it sucks.

Since we’ve also used almost none of our pocket money this month, afterwards we treated the kids to dinner. It was a pretty lovely evening and it felt good to be out.

Bon Vindredi à tous!

A jot a day: Friday, October 20th, 2023

A jot a day: Friday, October 20th, 2023

Links

The Price of Advice. No one cares more about your money than you do. If you want to set-it-and-forget-it because you don’t trust your own abilities/don’t want to do research just toss all of your money in an index fund that covers AT LEAST the S&P 500/TSX 60 and keep adding to it regularly either in a TFSA (if you make under $65000 CAD) or an RRSP (if you make over $65000 CAD or if you have matching at work. If you have RRSP matching, always max it. Otherwise it’s like saying no to free money).

Today

My MRI from the end of the last month came back. I feel like they don’t release it for the patient to view online until their doctor has seen it. I read through it and basically I think it says that aside to some things that could be the result of me moving during the procedure, everything is basically the same. AND the thing that could just be a technicality reduced the amount of change so that would be a good thing. I will still make an appointment with my neurologist so he can go through it with me but overall I am pretty pleased with that.

The Soapbox

Let’s talk subscriptions. I have many opinions on subscriptions.

1 – TV and Film companies have gotten out of control: so basically we are back to cable again with most people having an average of 12 subscriptions for just media and entertainment (millennials had a whopping 17!). Also 98% of us have a streaming service. My kids often complain that we ONLY have Netflix and Spotify when their friends often have many more such as Prime and Apple (we also recently got a Disney+ sub because Mr. Tucker’s company offered it as a free perk). It’s just so out of control to me and I guess a lot of it has to do with the fact that I am not really huge into watching tv and movies, which is why we have to discuss…

2 – Online creator subscriptions: I have often complained that I wish I could pay to read individual blog posts and news articles without having to sign up for a full blown account. It would be fantastic if you could have a browser app where you could approve micro-payments to read content. In some ways, Patreon and Substack has attempted to do this but Substack’s minimum is $5USD which is a lot of money when you read multiple authors and Patreon starts at $1 to support someone without rewards. In 2021 Patreon raised $155 million dollars and Substack $65 million. It’s quite the industry now!

Unfortunately, the quality of the creators tends to differ and that isn’t often reflected in the price. I follow two fantastic writers on Substack, one who posts amazing content twice a week and one who posts content once-a-week (sometimes once every two weeks). The quality is similar but by Substack rules I have to pay the same for both. So I pay nothing. It seems to me that it would be better to charge by article (again) rather than by sub. They could offer X posts for Y dollars and have a variety of options for people. Price points such as, 10 articles for $10 or 20 articles for $15 etc.

I have often bemoaned the state of the blogosphere with its unreadable layout due to all of the advertisements stacked in every nook and cranny. I have completely eradicated content that I can’t read on Feedly if the website is constantly resizing paragraphs when you are in the middle of reading it to change over to a new ad or pop-up video. It isn’t worth it to me to have to spend that much time trying to read a post when every paragraph break is a new ad. News websites are especially egregious at this kind of thing.

3 – Physical media: Having said that, I 100% believe in people getting paid for their work but it seems like all of the systems we have now don’t reflect the quality and price point people are willing to pay. I do subscribe to real, in-the-flesh magazines and newspapers. In fact, I feel like the world would be a much better place if people read/supported at least one newspaper. That way they wouldn’t have to rely on clickbaity titles to try and suck in audiences and the ads won’t be creepy things you clicked on by accident once – or worse things you already bought a month ago. I also have to admit: there is something soothing about physical media. I tend to remember the content more and since I don’t have a million other windows open and notifications on, I can concentrate fully on the task at hand.

But the real benefit to supporting actual newspapers or magazines is that it exposes you to a lot of different viewpoints, news you hadn’t even know was happening and explorations of what other interesting things are out there in the world that you haven’t been exposed to. Instead of an algorithm on google, youtube, or social media sites serving you up content that is similar to the content you have already engaged with, instead you get a plethora of new things. The Walrus and The New Yorker are two subscriptions I have that often have really interesting, measured takes on a variety of issues. I may not agree with every argument but at least I can consider them. These publications may not be interesting to you so feel free to subscribe to things that are more in your wheelhouse.

I worry that algorithms are making us more and more isolated against viewpoints that challenge us. To see a variety of opinions as a good thing. We should not only consume things we agree with but also read opposite points of view. Algorithms chain us to our past consumption and are used to reinforce what we already believe to get us going down a spiral so that they get our eyeballs on more ads.

Conversely, when I open my Globe and Mail on Saturday morning the ads are unmoving, mostly interesting (although not really my cup of tea) and don’t break up the text. The Opinion section is full of different views that I don’t necessarily agree with but that often make good points. I feel that makes me a more well-rounded person to read things I haven’t considered before. In a world that often lacks nuance, it makes sense for smart people to seek it out. Even the most right or left wing legacy publications often have columnists who take oppositional points of view (enragement has been engagement for a long, long time) and it does us all a lot of good to consider that.

#13DaysOfHalloweenMovies

To recap what this is: when the pandemic hit our kids were 10 and 12 and in their prime trick-or-treating years. It made me sad that they couldn’t do the more traditional neighbourhood jaunt so instead we created a new ritual: 13 days of Halloween movies. We chose 13 movies to watch in the days leading up to Halloween and we bought them each some typical Halloween candy to enjoy while we were watching them. I also posted their reviews to each movie online with a picture of the movie poster and friends and family told me that they really enjoyed the reviews and that they looked forward to them. So even though they’ve gone trick-or-treating since then, it’s a ritual we have continued – with less candy.

Well after the absolute trauma of last night’s movie, we decided to go retro-campy for tonight’s offering. So we queued up the original (aka 1988 version) of Child’s Play. Spoilers below: Hi, I’m Chucky! I’m your friend til the end!

(HAH: I went looking for a copy of the movie poster but when I Google it, they have emojis chasing each other on the top of the screen. Very cute.)

The Youngest: 6/10 Buddy, it’s a doll. I don’t care how possessed it is – it’s plastic! How did it take you that long to defeat it?

The Eldest: 7/10 It would have been good if they just left it when the mom killed it. The special effects and the slo-mos of Chucky flying were really funny.

Mr. Tucker: 4/10 Never saw it when it came out. Don’t know how I would have thought about it then. Now? HOO BOY it was no great. Giving it a 4 simply for the nostalgia. Even though I didn’t see it in ’88, I do remember how huge Chucky was.

I saw this in the theatres when it came out and I was terrified. Now of course, it’s not really all that scary. Of course, the man has to save the day – it’s never dead when the woman kills it – because that was all movies in my youth. BUT what differs for this movie is that there is no love story. I remember almost all of the movies from my childhood having to have a love interest and I find it great that this doesn’t.

I hope you have an amazing weekend, I won’t be writing here as I will be hanging with the family! I guess I should do a poll to see if I should keep up with #AJAD posts. Maybe I will do another week of writing and then see if people enjoy it.

SEGUESTORYTIME!

CW: kind of gross, death


Read More Read More

Let’s go to the ALS clinic!

Let’s go to the ALS clinic!

I love that my last neurologist had a quick start guide – no one remembers everything!

The last time I went to the ALS clinic was in 2021 when I was told that unlike the other patients, I only had to go in every two years. As the nurse walked me out that day, she said, “Wow! You are the only one who gets such a long time in between appointments. It’s because you are doing so well!” I felt pretty proud of that even though I do have to admit that the pandemic made me do less exercise than I did pre-pandemic.

So Mr. Tucker took me to my appointment this year (broken foot means I can’t drive) and he got to experience a day in the Rehabilitation Centre. In general, the ALS clinic has the following appointments they book for their patients:

• Physiatrist
• Physical Therapist
• Speech-Language Pathologist
• Clinical Dietitian
• Respiratory Therapist
• Nurse Coordinator
• Occupational Therapist
• Social Worker
• Chaplain

I see:
• Physiatrist (& the nurse coordinator)
• Respiratory Therapist
• Neurologist

Honestly, I don’t need the other appointments so I don’t book them. I probably could do without respiratory as well and may skip it next time. My numbers are generally consistent and so I may just stick with the basics until I need more care. My neurologist I typically see in this main office at another hospital but he goes to the ALS Clinic once a week so I booked in to see him when he was there because it made sense to batch the tasks. Oh, I also got word from my PLS mentor C.H. that she was in clinic that day, so we made plans to have a coffee afterwards.

When I first was diagnosed with PLS I caught wind that another woman in the area had lived with PLS for a long time and was still fairly healthy. Although they couldn’t tell me who she was due to privacy reasons, I tracked her down online within a few hours (thank you career in Social Media!). Since then, C.H. has become what I would call a Motor Neuron Disease mentor to me. She has given me a lot of great tips and tricks from her experience of living with PLS for over 20 years and I am grateful for her wise counsel! She taught me the basics of what I needed to know to move forward in this journey:

1 – Doctors will batch you in with ALS patients because PLS is so rare but our trajectories are very different.
2 – Our lack of Lower Motor Neuron involvement means that we can build muscle and via exercise we can keep our balance more on track with physiotherapy.
3 – There are off label drugs that can help PLS patients by increasing balance and lowering spasticity.
4 – Barring other things (like a broken hip from falls), we probably won’t die from PLS. We have normal life spans.

Unfortunately, because PLS is a diagnosis of exclusion, usually you can’t make a PLS diagnosis until around the 5-7 year mark since the onset of symptoms. That makes it very tricksy indeed. I am on year 10 now and I haven’t seen a decrease in ability over the past 4 or so years, which means I have probably plateaued. We hear rumours of people with PLS who have gone full ALS after 20+ years but from what I can tell, no first-hand accounts. However, there are many people who have had PLS for 20 to 30 years who also have varying degrees of disability so it seems that people don’t have a consistent trajectory for this disease.

My favourite part of the ALS clinic has to be the amazing therapy dog, Copain (Buddy or Pal, in French). He’s been going as long as I have and he is such a calm, happy boy. To be quite honest, it’s the #1 reason to attend the ALS clinic! LOOKIT WHAT A GOOD BOY HE IS! LOOKIT HIS LITTLE “VOLUNTEER” NAME TAG!

My least favourite part is respiratory. Aside from the mounds of wasteful plastic, I feel like as an asthmatic my breathing changes day-to-day and in the 5 years of going to the clinic, my breathing hasn’t changed so significantly to warrant future appointments. So the next time I go, I may just skip this as well and just speak to the two doctors and the nurse.

My second favourite part is seeing my neurologist, Dr. B. we discuss current studies I can enroll in, new drug trials taking place, now & exciting research that is happening and just generally chit chat about my overall wellbeing. Then he tests my reflexes and spasticity, gives me another boatload of prescriptions and then he sends me on my way. I do have his email address & that of his admin so if I ever need to make additional appointments or discuss any challenges, that is the way to get ahold of him. I ended up sending him a post-visit email on some exciting new research happening but I generally don’t bug them unless I need to.

While I do enjoy talking to the nurse (amazing woman, so supportive!) it’s taken awhile for the physiatrist to come around. On one hand, I don’t blame her: PLS is often conflated with ALS and so people tend to see us as just a slower version of ALS* and the jury is still out as to whether or not PLS is just a form of ALS or whether it is its own thing (I tend to suspect the latter, but I’m open). The first time I met the physiatrist she pretty much shot down any inklings I had of “getting better.” On the one hand, I get it: neuro patients don’t typically get better. On the other hand, progression for people like us is often incredibly slow and there *are* things we can do to maintain balance and muscle. I think that for a long time she fell into the camp who believed that we were just slow-moving ALS patients so the advice for them is to not expend any energy they don’t need to because it would increase muscle wasting & they need to conserve energy. But after the years of C.H. and I doing physio and maintaining mobility, I think the physiatrist has seen the benefits of exercise and balance work. That’s great because people diagnosed after us will get the benefit of not being told that there is nothing they can do and feel like they just have to go home to die.

A word on healthy living: absolutely live the healthiest that you can. Go for walks, reduce stress, eat well, maintain relationships and balance in your life. But know this: there are some things in the world that you can absolutely not change. Those of us in the west are obsessed with personal responsibility. We’ve been told by the culture at large that if we do all of the right things that we will die in our sleep peacefully at 100 and that we won’t suffer the limitations of people who live unhealthy lifestyles.

The reality is though that there are some things that are random and unknown. A personal responsibility culture dictates that if ONLY you had done something different, the outcome would have been different: you won’t be depressed if you have gratitude and meditate. You got hit by that car because you weren’t crossing the street in X way. You got MS because you don’t eat an (insert current diet du jour here). We put the onus on the disabled and sick after-the-fact to tease out what they did and where they went wrong. Sure, sometimes that is the case but often there are societal factors that also prevent people from making the right decisions.

Things are probably a mix of genetics, behaviour, environment and randomness but it’s hard to determine for any individual to figure out what is from column A, B, C or some random column that we don’t even know exists yet. It sells books, makes TikTok’s go viral and makes people feel better about their decision-making process but it’s a false god: some things we won’t ever know and so you better get used to living with the uncertainty if you want to move forward and live your one, wild life to the fullest. Otherwise you can go down the dark tunnel of obsession and make your diagnosis the only thing that defines you.

Quite frankly, in my mind my diagnosis the explanation as to why I have limitations but it isn’t the excuse as to why I am not living my life. Instead of focusing on what I can’t do, I focus on what I can still do. Sometimes I overshoot and pretend that I am able-bodied (see: my broken foot & wearing flip flops & broken their foot on uneven ground. The physiatrist even said to me, “Even an able-bodied idiot would have probably tripped over a tree root in flip-flops.” …wait a second..!) and I end up paying for it. But more often than not I discover that there is a work around and that I can still do the things I enjoy but with a modification.

At the end of my day at the ALS clinic, C.H. and I went outside afterwards and sat on a bench to catch up. Mr. Tucker brought us coffees and kindly waited for me off to the side as CH and I chatted about the past couple of years. C.H. at one point turned to me and said that the physiatrist had said to her, “You know, some patients we have here at the clinic are a FORCE,” and CH said that she laughed and laughed and knew that she had been absolutely talking about me. Maybe that is where I am sitting in the grand universe of things: I am – and I continue to be – A FORCE.

Til the end, friends.


Copain and I feel the same way about filling out the ALSFRS-R score paperwork

*FWIW: there is also upper-motor-dominant ALS, which we suspect Stephen Hawking had, which makes the waters even murkier. But pure PLS patients don’t typically have lower-motor-neuron involvement, which can be determined by an EMG…but not always! Aren’t brain diseases fun (note: not at all).