Can anyone explain to be the difference between EEL and TEL? I assume they stand for Extended Earnings Loss and Temporary Earnings Loss. But what is the difference and how does it impact a worker who might never return to work?
Oh I’m so sorry they are treating you not very nice by the sounds of it! I can literally say I HATE them and I’m not usually like that! Just reading your last message brings back such horrible memories of how they treated me and I feel so bad for you! I don’t know how any human being could treat someone like they do even though it is their job, and still sleep at night. I thought things had changed cause I’ve heard of a few people lately that have not had any problems at all so I was hoping it was true but I see in your case they are still assholes! Just a couple of pointers, tell them you would like a NEL assessment which is Non Economic Loss and I say it’s for pain and suffering but they don’t. They will send you a list of doctors to choose one and they measure what they feel is a percentage of your loss to your physical functions. They will try to say it’s not time yet or whatever but keep bringing it up til you get one! And when you go, don’t try to be great, act as you would when you are in a flare cause that’s an honest reading! Also, not sure if you know but you can collect CPP Disability along with your WSIB! They will take a portion of what you get from CPP off your WSIB but it’s worth it. Then at least you always have money coming in in case WSIB stops paying you for whatever reason, until you win your case then they start paying you again. Make sure you tell WSIB when you do get approved though and usually everyone gets turned down the first time you apply but I just sat down and wrote a six page letter telling them how crappy my life was with all this pain and I then got approved. They will also backpay you and if you have kids under 18, they will get a small monthly cheque as well. And last, also apply for the Disability Tax Credit for income tax purposes! Again, it’s hard to get approved but as long as your doctor is on board, you shouldn’t have a problem. If your income isn’t taxable cause WSIB isn’t and CPP is too low, you can let your spouse use it and it usually makes a difference of about $1,500 a year. Again, I THINK they may backpay you for a few years if approved! Sorry about writing this book, lol, but I wish someone had told me all this when I first got hurt! Good luck and if you have any questions, please don’t hesitate to ask although sometimes I’m not on here for a week or two!
The hell of WSIB is what contributed to me getting fibro and I wouldn’t wish them on anyone but we have to deal with these idiots to survive financially! I’ve never heard of the two but I would agree that’s what they would mean. They always expect you to return to work so I would think they start with the TEL until they finally get it through their thick skull that you won’t be returning to work then it would switch to EEL. As long as your doctor is on board with you not returning to work, you will win your case but don’t back down!! As soon as you show one little sign that you may be able to return, they will try everything in their power to get you to return to work! I believe things have changed a little since I had to deal with these idiots fifteen years ago and I truly hope for your sake they have. They treated me so poorly that my psychologist said at the time that if they were a normal insurance company, I could sue their asses for how they were harassing me!! They cut me off so many times for foolish reasons to try to force me back to work but needing three surgeries eventually, I was not able to work! They tried to train me for different careers but that didn’t work either cause I was unable to do anything. Oh I could go on and on as you see but you don’t need all these stresses, so just don’t back down! Sorry but anything to do with WSIB gets me going as like I said, they were the cause of my fibro!! If you ever have any other questions, don’t hesitate to message me cause I think I went through it all. I am now pensioned off til I’m 65 so that’s probably when mine switched to EEL but I didn’t even realize cause I had to go to a hearing in Toronto and I was just so happy I finally won!! Anyway, I’m not on here as often as I should be but I will eventually get to any question you may have! Good luck with everything!!
Sorry, by the Grace of God, I have never had to deal with WCB...I have 2 friends on it...I just hear grumbling about it
Thanks so much fibromate! I had a back injury at work which left me with permanent pain and disability, and then triggered my fibro. I was 5 years after my injury working (at the encouragement of workers and work) and suffering that i have been left now with permanent damage. And now ive realized that dealing with workers comp has left me with extreme anxiety. I get so mentally and physically sick when I have to speak with them or deal with an issues. I prefer to avoid lol. Its the same when having to speak with management at work.
I will not hesitate to message you in the future if i have any questions. Thanks