Have a merry Christmas, happy Chanukah, kwazy Kwanza, a tip-top Tet, and a solemn, dignified Ramadan.
Feel free to drop Questions and concerns about the VAC world here.
My contact info: Reddit DM's always open, [Joel@ptga.ca](mailto:Joel@ptga.ca) for email.
u/Shoggoths420 contact info: Reddit DMs/Chat still broken. [taira@cannawellness.ca](mailto:taira@cannawellness.ca) for email.
VAC Google Support Drive (Not available on DWAN) - https://drive.google.com/drive/folders/1kzbfmg3hcuo0FgFZxo-IL_f-UnGQsuYt?usp=drive_link
Usual timelines from submission of claims via MyVAC:
Reassessments: 9-16 Months
Mental Health: 6-8 Months
Physical - 6-13 Months
APSC/VIP - 3-4 Months
BPA Correspondence: They tend to reach out every 3 months for information or a progress update.
Try not to get too spun up about the Liberal budget and VAC Cuts unless you hear it from someone actually working there. Anything concrete that comes down through our channels will be passed along but don't think we have a whistleblower or anything. Only thing for certain ATT is medicinal cannabis going from $8 a gram coverage to $6 as well as backend administration stuff in how claims are looked at.
Also as of today you will notice the CPI increases for 2026 are showing on your MyBenefits tab via MyVAC.
Some Manulife LTD and CPPD food for thought:
You may find yourself on Manulife LTD “totally disabled” and VAC DEC near the end of your VocRehab journey. The question of either stay like that or leave Manulife had been discussed. As the final amount you get does stay the same regardless.
Staying on Manulife -
Pro: Multiple parties paying you, potentially Manulife/VAC/Pension/CPPD (gives more certainty with potential VAC changes).
Con: More requirements to continue to report medical status, more complicated taxes, if you die LTD stops (where as with VAC under 65 death results in lump sum of 24months paid to survivor). Earning income under 20k is more complicated and potentially lead to revocation of LTD.
Canadian Pension Plan disabled-
You will be required to apply if you get “totally disabled” from Manulife. You may or may not want to if you’re on DEC alone.
Consider: With CPPD there will be an initial period with back pay. Manulife and CF pension will eat most if not all of it. This is due to income offset from Manulife being clawed back from it and your bridge benefit being clawed back by pension. Often it will be 18 months backdated from the date of application.
If you have no dependents under 25, I see no benefit to applying. In fact you lose the option for CPP splitting after 65 when in CPPD. So you can’t give your spouse half your CPP to shield it from income offset by Manulife/VAC. It will make your first tax return after a real dog. Also you have to report any income over 7k and cannot earn more than 20k. After 7k you may lose the benefit and that could lead to problems with VAC/LTD.
With dependents you get a child benefit for each child to 18 (25 if in school). That benefit is taxed under the child’s SIN and will not be touched by VAC/Manulife offsets. Paid to the parent with the CCB. It’s also eligible for up to 12 months backpay.
Thought I’d share what I’ve learned.
Cheers
This is some great information. Thank you.
Great info.
Can I go straight to VAC IRB if I am on 3b release? and not opt for LTD. Just get VAC to pay 90% IRB right away so I don't need to deal with Manulife. Or will VAC want me to use LTD first?
I’ve found all of this since getting out kind of confusing. I didn’t even know leaving manulife was an option. I have manulife “totally disabled” and VAC DEC. What happens if you leave manulife exactly?
u/CAFVAChelp "VAC under 65 death results in a lump sum of 24 months paid to the survivor". Is that only if you elected to pay into the SDB after release? Or is IRB the only requirement?
What is this cppd child benefit? Will it be clawed from my 90% or does that mean overall we could get more household income?
Thank you for sharing this information. From what I've gathered, without applying for CPPD, the years of deferred earnings cannot be dropped, which may reduce the CPP retirement benefit. Since DEC pays 70% after age 65, what happens to the additional 20% if CPPD is not applied for?
I’m so scared with the new liberal budget cuts 🥲 scared I’m going to fall through the cracks once I’m medically released. Especially since I look okay and I’ve had people tell me oh you look better (I dropped 30 pounds) from dieting. But my chronic pain hasn’t changed 😅 just venting. I’m sure there’s others who feel the same.
Don’t be scared. Be deliberate. Worrying about politics is like worrying about the weather.
For what’s it worth if any government moves on veterans benefits the wider population is getting it far worse. We’re a small fraction of the populace. In a world only getting more rowdy. They want people to join and feel they will be taken care of when they get out. So stand easy.
I seem okay to probably most. Because I have a family and kids. I don’t leave the house when I’m struggling. And I struggle to leave the house when I’m not. But I do. I faked it for years to keep a roof over my families head. I can fake being normal when I go out too. Ignore the bleachers. Be honest with your care team. Keep your wins guarded. We are fortunate to have the contract we do. Plenty of riggers and every manner of occupation get broken. But when a position or task was assigned we didn’t have a legal choice to say no that retarded.
How people look is a terrible indicator. I frequently tell folks I got the Robin Williams effect.
Yes this. I masked things for years and I still have a tendency to not want to burden my psychologist or anyone around me. I just hide everything for the sake of everyone else.
Great Simpsons reference in the description, well played sir. Lol
Glad someone gets my references.
Can't not read it in Krustys voice :)
Hey everyone, I found this on a Facebook VAC support page and it might be pertinent for a few of you. Apparently there have recently been a ton of huge clawbacks of overpayment to people on IRB - we're talking as much as 5 to 6 figures here! - and someone went to the press over it. The reporter wants to speak to anyone who's had this happen lately because it's become a bit of an epidemic. No one seems to know why most of these cases are happening; a few people suggested it might be VAC's newly adopted use of AI, but no one seems to know for sure.
having tens or even hundreds of thousands clawed back after years of payments is devastating and life-changing, so if anyone is being effected, I would reach out and add your voice. Anyone on IRB is no longer serving in the CAF, so there is no issue in speaking to the press. There's usually an option to be an anonymous source, too. Here's the FB post. It's too big to fit into one picture, so I'll add the second half in the first comment below
https://preview.redd.it/fxnxn1t0g05g1.jpeg?width=1080&format=pjpg&auto=webp&s=07d88979b2806ac21733e55ecb06da172cad9e2a
So far I’ve only heard of people who had not identified CPPD, OAS and CPP to VAC as deductions. Have you seen anything outside that?
That is to say, so far any “over payment” hasn’t been like a miscalculation of the internal formula or error on VAC end. But an error due to reporting of income.
https://preview.redd.it/3nnoe4b8g05g1.png?width=1080&format=png&auto=webp&s=ec4311f7dad80dab9ae12e00f0aa90c2ba0221fc
I've called VAC to get an update as my application has been sitting at 3.0 decision making (for a few weeks now) I know it takes a lot of time until everything is processed. However here is what VAC said ; my application has been assigned to an adjudicator and should be getting a letter by end of this week. Finally things are moving. Hopefully I didnt get lied to lol (GAD, Social Anxiety, PTSD claim)
You only see step 3? Not 3.1 - 3.3?
Youre definitely going to be waiting awhile if youre just at step 3. I've been at "3.3 processing decision" for 2 claims for over a month
May as well add:
myVAC functioning : once in blue moon
I reached out tge BPA, for an update on one of my claims.
I was told that it was at adjudication and that they have no timeline on returns from them.
This has been with the since April of this year. Is there any way to determine how long this will take.
Thank you.
Ive been waiting for about 1-1.5 years now. They had basically out together my case, and now I need to wait out for the hearing date. Does this ring a bell, or have you not reached as far yourself?
Didn’t see this notification. So if it’s at adjudication it’s just wait out. You have a federal department doing their part with lawyers involved. Slow as shit.
Should be a positive outcome though
Great. From looking at others this is going to take years.
What a flipping joke of a system.
I posted this last month, but gladly will post again.
Well, I currently have 8 Appeals in; here are my timelines so far.
Condition 1:
appeal requested: July 22, 2024
Registered with VRAB: March 14, 2025
SOC received: July 25, 2025
Appeal date: tbd
Condition 2:
Appeal requested: 18 July 2024
Registered with VRAB: 13 February, 2025
SOC: still waiting
Appeal date: tbd
Condition 3:
Appeal requested: 18 May, 2024
Registered with VRAB: 6 February, 2025
SOC: still waiting
Appeal date: tbd
Condition 3 as a consequence of Condition 2:
Appeal requested: 26 March, 2025
Registered with VRAB: 27 June, 2025
SOC: still waiting
Appeal date: tbd
Condition 4 (MH):
Appeal requested: 28 March, 2025
Registered with VRAB: 27 June, 2025
SOC: still waiting
Appeal date: tbd
Condition 5:
Appeal requested: 2 June, 2025
Registered with VRAB: still waiting
SOC: still waiting
Appeal date: tbd
Condition 6:
Appeal requested: 8 July, 2025
Registered with VRAB: still waiting
SOC: still waiting
Appeal date: tbd
Condition 7:
Appeal requested: 11 June, 2025
Registered with VRAB: still waiting
SOC: still waiting
Appeal date: tbd
These are a mix of appealing the %, and denials. As always ymmv.
Ok my Reassessment peeps just spoke to someone in Resolutions due to my paperwork issue from back in April until Oct. VAC is working on March Reassessments right now. My rough Math for the Reassessments is it takes them 3 months to clear 1 month of Backlog. Im going off the timelines since July
Well that is very disheartening
Does anyone else think about the homeless vets that could be missing out on loads of money because they don't have the support to look after this? Like, imagine a guy with PTSD and is missing out on 100k.
This is very much a concern. We are in the process of developping a Canada wide list of resources for unhoused vets to access, along with getting a list of resources that are VAC savvy.
I will also say that there is a company who is providing unhoused survival kits for vets that get distributed in Vancouver, Toronto, Kingston and Fredericton/Oromocto.
Is this something that VAC looks after or keeps metrics on - no, like any other marginalized community the onus is on the member to self identify (don't get me started on the uselessness/low chances of that occurring), but will not actually assist the member in completing tasks. Ex the member may need to file taxes or start paperwork, but may not have the knowledge to do so or who to access for help - VAC will not direct them to resources.
So, I can tell you that Good Shephard shelters have staff who are familiar with VAC, I can tell you that Operation Feed SJ would help, Brunswick Home has VAC savvy staff, and I can tell you there are a couple of TPS and VPD officers who assist vets.
Well God Bless you all for doing that. That money really could change their lives for the better. Exponentially.
Cheers, ideally we don't have homeless brothers and sisters of any sorts. I can assure you there's a number of folks working really hard to help alleviate that. Once we have a concrete set of resources I will publish it here so everyone can have a hand in helping out.
Do we have access to the 2026 psc rates table?
Just take whatever is on the table now and add 2%. That is the consumer price indexing for 2026.
I am wondering about the breakdown for Additional Pain and Suffering Compensation, when to apply, what are the requirements, etc. i am currently at 75% disability between MH & Physical Conditions with more claims still in processing stages. i have been diagnosed with worsening spinal conditions and eventually will need surgery, its only been a year since i received my favourable awards for physical conditions however i received my favourable award for MH almost 2 years ago which i believe is is the minimum time before you can apply for APSC please correct me if i am wrong, however i am wondering the process if when you apply is it just based off overall disability and there for eligible when i hit 2 years after my first favourable claim or is it condition based where if i where i have to say its my spinal conditions that im applying for and wait until ive hit 2 years since being approved for that. Thanks in advance.
I’m unaware of any 2 year limit before applying for APAS. Pretty sure you can apply right away. Pretty sure I did.
I’m not 100% on the timeline. As soon as you match a breakpoint for one of the three levels is when you should apply or ask for a reassessment to a higher level. Pretty much every approved MH Claim can get Stage 3 aka lowest level. If you have one you should apply for it (if you’re no longer serving)
I applied for it on the day of my release from the CAF. They approved level 2 rather quickly (6 months maybe?) and backpay to the application date. So Apply for APSC as SOON as possible! Like today! There's nothing to it, application is easy and you can reapply for assessment if you get more claims later.
The thing I don't understand is why should you have to apply for anything? If you were already granted awards for conditions they noted were progressive and would eventually get worse then why aren't they just reaching out with a phone call after a certain timeframe going "hey, how bad is it now?" then you go to the doc and they say "it's this bad" and then vac just starts the process and sends you money. So much damn beaurocracy it's ridiculous.
I am finishing with pcvrs at the end of January 2026 after a year of treatments, based off of all reports made my case manager says we will be submitting for a DEC decision, will I still receive my IRB between the time I finish with pcvrs and the time it takes for them to make a decision for DEC?
Yes, IRB will continue as per usual
What is DEC?
I have a question regarding lump sum form. I had a favourable decision regarding TBI/MH. If I opt-to select lump sum pay and submit it online this week will the payment reflect the year 2025 or 2026 rates?
2025.
I'm at the stage where I don't have the energy to read through this anymore. In fact this is the first time I've opened the sub in a little while. I used to follow this sub obsessively.
I've been denied the reason I was medically released as related to my service. Support meanwhile is non existent I'm not covered for anything really. I feel like I just do everything on my own all the time. I haven't heard from BPA since early June. VAC sucks, not the people, just this system.
Edit: And as far as IRB is concerned, obviously I don't have that so the helpful lady at VAC thought it would be best for everyone if I withdrew my application.
Please call them and talk to someone. It may help.
Was the reason for your release a mental health related condition? If so, you are covered for 2 years of medical care from the day you submitted your claim. Unfortunately, they don't have this option for physical diagnosis.
why you got denied when you are medically released? no VAC claims?
Def worth going to VRAB IMO…
Received a "favorable" decision today but way less than anticipated and seemed to completely ignore sciatic nerve damage associated. Is my best bet to accept (intend on taking the lump sum) and immediately ask for a review, or go straight to the appeal process?
Appeal with BPA and take your lump sum in the interim.
Take your money, it can’t go down. But just be ready for this to take a very long time. Slot 2 years minimum.
I took the lump sum and then called BPA and said I wanted to appeal. Taking the lump sum now doesn't mean you are accepting of the percentage awarded.
I see a psychologist and a psychiatrist and they told me they've both seen an uptick in denials in the last couple months. Mine wasn't denied but they ignored 3/4 of my medical questionnaire, despite my doctor being very comprehensive when he filled it out. He even used all of the same wording that was in the table of eligibilities, and had anywhere from 3 to 5 examples for each part of the table, which means if they're just using AI now, it still wouldn't have been missed.
Question regarding IRB.
I know we don't pay the pension payments anymore, do we still pay CPP and EI?
I know everyone says even though it's 90% of your release pay. You actually end up with more.
I just want to try to confirm that
Thanks
No, the only thing you pay is provincial and federal taxes.
No CPP or EI. Which is something to keep in mind as the longer you’re on IRB you are not contributing to CPP which will reduce the amount you collect at retirement. Assuming you go back to work after the IRB stint.
Be careful at tax time. They don't take hardly anything off for taxes. I had to pay taxes for the first time ever last year because of it.
Audit of The Veterans Affairs Canada Internal Review Process:
https://ombudsman-veterans.gc.ca/en/publications/systemic-reviews/the-veterans-affairs-canada-internal-review-process?fbclid=IwdGRjcAOhPN1jbGNrA6E8TGV4dG4DYWVtAjExAHNydGMGYXBwX2lkDDM1MDY4NTUzMTcyOAABHquPHkJ3NmGlUkhpkDrzuRs47Lsl5XgRHY7GoFN4q921nGweiia7zTBb2CkP_aem_nbIMnLYsGxfTNf4ROEKWRg
For anyone that's had an an unfavorable internal review...
Has anyone received the COVID vaccine and developed pericarditis, then filed a claim? If so, did you receive a positive decision?
https://www.canlii.org/ca/vrab
You can search decisions made by the veterans review and appeal board at the link, to see if anyone has submitted a claim before and had to appeal it. Under "document text" I suggest putting in the words COVID to see if anything comes up in a search, and then maybe search PERICARDITIS to see if anything else comes up. The search engine isn't that clever, so I wouldn't try putting both words in there at the same time.
Just so you are aware, this is probably a very uncommon diagnosis for VAC, so it could take a lot longer for a claim to get processed. It would probably spend a lot of extra time with the medical review department.
I completed reassessments on both legs and my lower back on August 11 and 25, 2025. I’ve been in Stage 3 for quite some time now, so I’m assuming it may be another five months or so before it’s considered completed?
They are currently working on reassessments that were fully completed in March 2025 and it has been taking them a month or two to clear the files received in a given month, so ya, 5+ months of waiting is in order.
Your looking around March to June 2027 the way Reassessments are taking time wise
Just had a favourable decision on my knee which will help me however, I note in the medical questionnaire my Dr checked it as being clinically unstable, which is correct (based on table it falls in at 13%) but my decision gave me 9% (the questionnaire documents effusions). I called the BPA to ask why it wasn’t at 13% as the Dr made the checkbox correctly. They suggested a departmental review and said it seemed like a clear oversight in the assessor missing the check box. Is this something I can expect a good 24+ weeks to change or confirm? It’s fine either way, purely curious. Just seems like something that could’ve such a quick fix based on a checkmark. TIA!!
Exact same thing happened to me. Favourable decision but given a much lower % then I should have gotten. Dentist clearly wrote everything and VAC either ignored it or made a mistake. Such a simple fix but yet have to wait half a year for the Departmental Review.
I want to start compiling a list of people I keep hearing from who have been lowballed since mid-summer. I've been following this subreddit for a year and a half and all of a sudden a lot of people started getting blatantly lowballed or outright denied towards the end of the summer. I noticed the same thing happening on a Facebook private group for veterans.
I wonder if it's a case of they start denying more closer to the end of the fiscal year
Unfortunately yes. Any appeal/review is not a fast process.
Are there any good, fee-only financial planners that know VAC/IRB/PCVRS? Im looking to utilize the $500 benefit that you can use after a successful PSC claim.
u/ShortTrackBravo & u/Shoggoths420
I understand that if I am receiving DEC I can additionally make up to $20K, from another source, without VAC imposing any reductions. I own a small business so I’m wondering if VAC assesses that $20K from Revenue, Gross Income, Net Income, or Taxable Income?
Thanks!
Total revenue my friend.
Thanks!
Hey, I recently signed up for VOC, now currently I work a physically demanding skilled trades job. I have numerous musco-skeletal injuries and although I can work, it is not sustainable long term and it already is moderately to severely difficult.
So to my understanding, I would likely get approved for VOC, and it lasts about 2 years, while on it youre entitled to IRB. At the end, if VAC deems it successful file closed and move on, if not you flip to long term IRB which turns to DEC at 65?
My thing is i don't see needing to walk away from my job in the next 2 years, but next decade or so, for sure. Can you get approved for DEC/long term IRB and still be working? Essentially "veteran is able to work, but long term employment is not possible" or at the end of rehab do you need to be leaving your job/switching careers?
So you're off base on a few things but here's a breakdown:
You're already retired so no the 2 year thing doesn't apply. That's only for Manulife with a medical release. VOC can lead to retraining, new employment or DEC. DEC is a lifelong designation that you can "turn off" if you so choose but it allows you to collect IRB for life. At 65 it just gets reduced.
Your final question is a real hard one to answer. Can you work on DEC? Yep. But once you make $20k then IRB becomes reduced and impacted. You shouldn't be working full time if deemed DEC. Ideally you would be leaving your job or reducing your work hours significantly and if you're in the trades I can't see that being a real thing.
Good day everyone, I was recently diagnosed with PTSD, anxiety, and depression, and I am currently undergoing therapy and taking prescribed medication. I was advised to apply to Veterans Affairs Canada, which I have done. As this is my first VAC submission, I am wondering how long it typically takes to receive a response and what I can expect during the process. Any information or insight would be greatly appreciated.
Last week I received a positive outcome for my CPP-Disability application.
Currently, I’m on IRB/rehab for a laundry list of things, both mental and physical. I’ve had my PCVRS assessments (good times) and I’ve been told to expect the many rehab appointments to start in the new year.
My question is, does the approval of CPP-D have any bearing on my IRB or future DEC decision, etc? Additionally besides my CM does anyone else need to be made aware of the CPP-D?
Definitely doesn't matter for DEC. When in doubt just disclose it. As CAFVACHelp said, let both Manulife/Pension Centre know.
That is good news receiving CPP-D. I have been denied 3 times and have pretty much given up with applying. I have been out of work for over a year, DEC & LTD, and well over 100%. Funny thing is my wife got it for ADHD and works full time. 🙄
You need to let your Canadian forces pension and Manulife know if you are on either of those.
For pension, there will be a significant clawback owed to them due to the claw back of your bridge benefit to the effective date.
Is it normal for VAC to withdraw the claim for Alcohol Use Disorder and Depressive disorder if your claiming PTSD. I'm on step 3.3
Yes. They all fall under psychiatric condition so all the symptoms will be applied to the tables. They will classify them under the most severe diagnosis.
What CAFVACHelp said.
Bit of a weird question.... I submit my form last week for lump sum payment. I still haven't received anything back yet and my benefits tab still shows the monthly payment (now updated to the 2026 amounts). Will I receive the 2025 lump sum since I submit the form last week or will it be the 2026 amount since it hasn't been "processed" yet and my monthly shows 2026?
I’m not sure tbh. Right now they’d pay out at the 2025 rates. Your monthly disappears once it’s processed. Date you request it is the processing timeline start. I have no clue if they can give you the 2026 rates before Dec 31st.
It shows the 2026 monthly amount right now because they just added the annual consumer Price index (2% starting January 1st). Anyone that has taken the monthly payments instead of the lump sum payments has the exact same thing going on in their own accounts right now, because it's showing their January payment with the 2% CPI indexation.
That said, I don't know about the lump sum timing. I know it took 13 days from electing the lump sum to receiving it, and that was back in September for me. I think you will definitely receive it before the end of the year, that's a whole month away, but I'm pretty sure it should be at the 2025 rate because it's still going to be 2025 when you receive it.
Thanks guys. I think you're correct it will be the 2025 rate as well. Thankfully it's not like 8% I can deal with missing 2% 😂
Anyone recently have their MH claim approved or moved… and any departmental review in the 8-10week mark..?
I just waited 8 months for my DR to complete… it sat at decision level (step 3) the entire 8 months… then within 5 days it was moved to a re-assessment and went complete with the letter posted into my vac account over the Remembrance Day weekend… it was “no change” which is what they said originally back in Jan 2024… so am 8-12 week turnaround time I think is unlikely but they’re all over the place as we know! IMO I would never bother with a departmental review again when dealing with re-assessments because I’d wait as long for a VRAB hearing and at least the board has the ability to be flexible or actually address the BPAs lawyers reasoning in the Departmental Review application (ie BPA files the request on my be-half)… they say it’s a free kick at the can but I really think it’s more often then not VAC won’t re-consider effectively their own decisions…. lol rant over SORRY!
[deleted]
Since you’ve waited this long already I would wait to see the specialist and see what comes out in the wash. Would be worth waiting for a big picture rather than submit now then ask for a reassessment down the line.
Unless you really want the $ right now which is pretty fair.
Would anyone know the present wait time for a DEC decision? Pcvrs is preparing the last report for vac to send to DEC department and my vac CM said possibly 4 to 5 months for a DEC decision, that seems quite a bit longer than what I'm reading online. Thanks
3 months is pretty spot on. Mine was June-Sept
Mine was sent to the DEC board in Sept 2025 and my CM told me the decision wait time was June 2026.
I have no inside knowledge but like most things in VAC I think there are different routes. Like if you have manulife already saying “totally disabled” or you have terminal illness ex… then I think you get stream lined. Where as if you don’t, I think the in house doctors do a full on review of their own.
I say this because mine took 2 months, over summer break no less. But that was after manulife already said “totally disabled”. Where as shorttrack was right in the same timeframe and took a bit longer.
Thanks, I'm not going thru manulife, I started the rehab program 2 years ago, 5 years after voluntary release. All my assessments from PCVRS providers have indicated an incapacity for part or full time employment, vac disability calculated at 135%
The answer I got last week was that DEC applications from mid-Aug were currently being processed which is still on with about 3 month turnarounds as already mentioned
I was told yesterday they are working on Aug 11th 2025 and before. So it seems to me its a 3-4 month wait right now.
CM informed sent file for review in AUG 25 and just received decision today.
BPA sent me a 10 page form a doc needs to fill out to affirm my disabilities for regrade APSC. Any GPs known in ON that help with reassessment for APSC? I retired and have no family doctor.
Echelon Wellness in Kingston does these or try hitting up Veteran Farmer and see if they know of any good local Veteran focused drs
For an Error of chapter used by the adjucators, is BPA faster to correct it than an initial claim or is it the same period of time ? ( I dont need another medical file as I understand )
Appeal it through BPA. It f BPA agrees that there was an error they will often bounce it back to VAC with a dressed up “read that again”. This happens frequently enough that it’s the basis for the early resolution process. If VAC stands on their error BPA will then bring it to a review board
BPA certainly isn't faster but the amount of success stories without them involved is minimal in my experience. Unless you have VAC already acknowledging the screw up via written communication I would just task BPA and get the best bang for your buck. Buck being time in this case.
Question on timelines. PTSD - Submitted 25 Mar 25 Stage 3.2 - 17 Nov 25
Should I expected anything moving forward this year?
I submitted at the same time as you and heard back at the beginning of September. I spent a week at step 3.2 and then another week at step 3.3.
The tracker isn't always accurate, it's more about how long, start to finish, it's supposed to take for a claim to go from submission to complete. I'm surprised yours isn't done, given it's been 3 more months since mine was finished and we submitted at the same time. Were there any delays or holds after you submitted your claim, for extra information or reports they requested?
You're beyond the normal timelines. Only thing you can do really is send them msg's every few days or every week. Try and poke'em.
You may get it before 2026.
This may be a silly question but spiraling and wondering the following:
If someone is approved for say, 50k claim for back, and then receives an approved claim for MH for 75k some time later, does this mean:
A- they will receive 125k total (50+75)
B - the 75 includes the 50k so all they receive is 75k total - meaning 50k for back and 25k for MH
Is the payout cumulative as the % is, or seperate?
So lemme break it down. You as a person have an overall total PSC percent. Let’s say your back comes back at 15% and your MH is 35%. Your new total is now 50% PSC which is whatever amount lump sum is. In this scenario they come in same day so you can only lump sum the 50% so it’s cumulative.
Curveball would be back is approved a month prior to the MH. You elect for lump sum of the 15%. You get that then the MH comes in. You are still at 50% but the amount of % you can receive monthly or lump sum will be the 35% amount because you already took 15% lump.
Make sense? If you have claims coming in at different times you will have different monetary awards if you lump sum previous ones. You do not lose any $ doing it this way really it’s just how it works.
3b next week. In a few appointments the option for getting EI was mentioned hut when brought up to clerk I got told everyone's different so she can't tell me I should or shouldn't...should I be applying there?
You’re going to be receiving Manulife financial compensation anyways so I don’t think EI is really beneficial or even possible. Can’t blame the clerk on this one as the only to know about releases is to release lol.
If your post retirement plans are to do Voc Rehab or Schooling via Manulife or pursue DEC you will be outside the EI scope that other Canadians deal with.
How long does it take to get your lump sum once you submit the election for lump sum payment?
Mine was in September and it took 3 weeks
It can vary. Best thing to do is to check your MyBenefits and once you see the monthly disappear it should be deposited in your bank 2-4 business days after that.
Good day, I have a Obstructive Sleep Apnea diagnosis but no related MH diagnosis. The diagnosis was done in 2022 while in the Reg force, after a MH practitioner referred me for a sleep study in 2021. In my benefits decision, the denial is due to no service-related activities or injuries are identified as causing or contributing to your symptoms. I am wondering if there are any specific things I should be trying to document to appeal this or if there OSA is only approved with a concurrent diagnosis. Any shared experience or advice would be appreciated.
Hard sell without the cause just being lifestyle or injury. With MH diagnosis basically one argues the lifestyle is due to that, therefore entitlement.
I suppose I’d send it back to you, why do you think it’s service related?
What are we currently looking at for step 3.3 "processing decision" time wise?
Truly a crapshoot. God willing a few business days. Worst case a few months.
Yikes. Saw it kick to 3.3 nov 9
I was a week in September
Hello my fellow gangsters. Quick question to see if someone has experienced similar to what I’m in and what to expect.
PTSD & PDD was unfavourable. VRAB overturned it. Was in VACs system 02 October. Still haven’t received my percentage.
Whats weird to me is I was approved for CRB within maybe 2 weeks. Deemed “daily supervision and is not considered to be safe when left alone” Approved for Voc Rehab & IRB instantly by my case manager. He approved it off the hop so that it wouldn’t have to sit waiting for approval.
So now im coming up on week 9 waiting for my PSC still. Keep getting the run around. Is this normal? Figured it’d be faster considering all my other claims were flash to bang.
Also, how likely is DEC if I have my initial interview, then psych interview with Voc Rehab. My symptoms are quite spicy. Includes hallucinating here and there. So I’m curious if it’s basically gonna go straight to DEC or
Thanks 🤟
The “issue” is with VRAB involved. Just takes longer to finalize than a regular first application. Factor in some human error and it is a dogs breakfast. Hopefully not much longer.
As for DEC as long as your MH professional is on your side for the Voc Rehab program you’ll be fine
for BPA they will assess your case and then discuss options with you and you tell them what you wanna do… what they can/cant do”win” doesn’t matter bc they don’t know what the board will do… they’ve always taken my cases regardless. In my experience they may ask you to get updated evidence.
Anyone ever got diagnosed with Tendenopathy and covered for it by VAC? Ty
Yes you can claim it. Just need to claim it for whichever part of your body you have the diagnosis for
Whats the supposed month VAC is currently working on for non - MH , claims ? Has anyone called and asked recently? Are non - MH claims still looking at 12 months from ready to be assigned to complete ? ( and thanks again as always for everyone's helpful input ).
Fools gambit if you ask me. MH timelines can be useful because there are so many. But unless you say specifically what you’re looking at it’d be hard to judge a timeline. Musko? Neuro? Gastro?
Even then, timelines are like horoscopes around here. Just something to make you feel better. Because whose desk did your particular file land on? Is it Christmas leave time?
My best advice is it’ll get done when it’s done. If you’ve breached 1.5 years, start poking, at 2 start shoving. Cheers and hope your claims goes quick.
What u/CAFVACHelp said. We can only give rough estimates based on folks like yourself reporting back and my own experience. At the end of the day if your file lands on a numptys desk or they go on leave then it’s a crapshoot
The other day someone posted and said they put in their PTSD my claim the same week I put in my PTSD plan, yet mine was finished 3 months ago and theirs is still outstanding. Unfortunately, there is no standard timeline, even when it's two people with the same diagnosis submitting their claims at the same time.
IRB, DEC and VOC.
I've been out since 2013, 14years in, Cpl 4. Not medically released.
With VAC, I have approved degenerative disc disease and osteo arthritis in cervical and lumbar spine and one ankle, hearing loss and tinitus. Also have approved VIP. Still pending at time of this post is the same for hips, knees and shoulders.
My current employ (IT desk job with some field work) is getting harder to do. Sitting and standing getting tougher...short description.
I've been advised to apply/do VOC and IRB. Also been told DEC is rarely given for physical, most often just 'mental'.
Some questions if anyone can chime in...
What may be entailed in VOC? What does Cpl 4 make now with IRB? How long did it (IRB) take to start after application/VOC start? Heard of physical cases being classed DEC? How long typically on IRB?
Trying to decide if this is the way to go or 'walk it off' ... Am 52 currently.
Would love your input/experience here.
Cheers
Got you in your original thread, but for everyone here:
Ok friend, wall of text incoming:
To start the IRB/Voc Rehab program gives you a 90 % wage subsidy based on your leaving rank wage indexed to present value pay rates here. The program itself usually lasts two years, barring a few circumstances. During that two years you'll have the opportunity to upskill/ retrain, or in your case say that you want to concentrate on your health. You'll be required to attend therapies related to your injuries, so here, physio and massage.
At the end of the rehab period you will need your care team to indicate in very clear, black and white language whether or not you're able to safely and effectively return to work.
If by the nature of your injuries you cannot return to work, your file will be noted as DEC (Diminished Earning Capacity), you'll retain the 90% wage subsidy until age 65 and then it will drop to 70% for the rest of your days.
Who is involved in this process?
You will be assigned a VAC Case Manager to oversee your IRB/ Voc Rehab, along with an RSS agent from a third party company called PCVRS (Partners in Canadian Veterans Rehabilitation Services). PCVRS is the entity who will "manage" your rehab program.
What is involved?
You will be put through some initial evaluations to create a baseline for PCVRS and VAC. In your case you can expect a physical evaluation and a vocational evaluation. At the end of the rehab program, unless you have a care team of your own, you will go through an exit/final set of evaluations to determine your ability to return to work.
Potential for DEC with physical injuries:
It can be done, yes, for most people it's going to be their mental health which really precludes them from returning to work, however, the closer you are to 100% disability, the harder it is for VAC or PCVRS to justify suggesting or directing you back to work.
Other things:
Get your mental health checked and you may want to start a claim. Frankly and to be very blunt, no one gets out of the CAF unscathed. And talking to someone to get shit off your chest is healthy. If you want to shoot me an email, with where you are in the country and I may be able to direct you to a resource for further help as you make your way through the program.
Also, at 14 years of service there's a ton of claims and benefits that are open to you, so it's probably worth getting checked out and making sure you're getting all the supports/benefits/resources you need.
Cheers
Saw that my cervical spine went to completed even though I never got an email… current payments didn’t change so I suppose it got denied.
Kind of bewildered considering the fact I have recorded events in my military career of smashing my head multiple times forcefully, multiple trips to physio due to chronic pain, neck strain, headaches etc.
Finally got a MRI which showed my severe herniated disc, spinal stenosis etc… had the medical questionnaire filled out accordingly…
I thought it was a slam dunk, everything was done correctly and the imaging showed my injury. I’m sure BPA will think the same.
Frustrating to get denied and need to fight years to get approved now.
I suppose this is mainly a rant. BPA is the only way to go eh?
I've been hearing of a lot more denials lately, so have my doctors who have a lot of patients claiming for PSC. There's been a big uptick since August that I've noticed, although that's all purely anecdotal based on what I'm seeing people reporting online and what my doctors are seeing. I don't have any actual comprehensive data.
Call BPA. They will be able to assess your file and give you a recommendation on an appeal or review. I've been told it's going to be 6 to 9 months before they even contact me, and it seems like it's taking about 2 years now for appeals, start to finish. Sorry I don't have better news.
Adjustment disorder with Anxiety led to a fairly small payout a couple of years ago.
Upon reassessment, the diagnosis of major depressive disorder lasting over two years so maybe that's dysthymia, and agoraphobia were added.
Are these added diagnoses more significant than Adjustment disorder, or would they fall underneath them and not result in more compensation?
The IBS and OSA claims were both denied, saying they weren't related to service but they both started after the MH issues.
Has anyone had any luck with those types of claims?
Unlikely to get anywhere with adding diagnoses, they’d be considered in your current diagnosis. However, it’s an indication that your symptoms have likely changed or worsened so you should get a reassessment done for your MH condition.
What u/NauticalBean said. You need a reassessment more so than new claims.
As for the other conditions you just need the Dr to have the questionnaire cited with “Consequential to mbrs approved MH condition”
I’ve received my vac decision for one of my injury’s, but I’m not satisfied with the rate they gave me, I plan on contesting. Am I able to request the lump sum they offered me now and still contest?
Yep, that's what I did.
Yup
I had a heart attack on 18 sep 25 at 0545 doing PT in a civvie gym (since my unit does decentralized PT, they signed off on my CF98) was hospitalized for 6 days, had 2 stints put in, and was labeled as heart failure since the ejection fraction of my heart was 35%.
I was denied by VAC for the Critical Injury Benefit, even though they acknowledged it happened during caf authorized pt, was a 1 time event.
They denied it based on the fact that it was not due to an external impact, they used car accident, explosion or external damage as the reason.
I call BS on this, and feel extremely upset that it was denied.
Have you contacted BPA for an appeal yet?
I sent in an appeal using myvac message, arguing against their narrow excuse, citing policy
I've been hearing more and more denials lately (beginning around August), even in mental health cases (my psychologists and my psychiatrist keep me apprised). The best thing you can do is what you've already done, it's just unfortunate that it's going to take a long time to get through the appeal process to a hearing.
I had a favorable decision but the percentage wasn't nearly high enough. I was told by BPA I wouldn't hear from them for at least 6 to 9 months, and what I'm seeing online here and on a private Facebook Veterans group is that the entire process is taking upwards of 2 years. I'm also pretty sure that if you're denied out right and the appeal board sides with you and decides you should have coverage, it still has to go back to Veterans Affairs for them to determine percentage, but I'm not 100% sure on that last part.
If you haven't already, you should get an email back from BPA, telling them they received your request. I'm sorry you didn't get the results you deserved.
you don't have to argue anything, that is BPA's job. Also, CIB rarely goes through VAC first time, and almost always requires an appeal through BPA. BPA has a great success rate, they are not the enemy, and they will be very direct with regards to what if any additional evidence they want to see WRT CIB
Hey ya'll.
I have an appeal with the BPA that has been submitted to VRAB for review and decision. Its written arguments with no in person hearing required. What are we looking at for wait times on decisions from VRAB? I remember reading recently veterans waiting 2 weeks for a yes or no, and then a significantly longer wait time for VAC adjudication on award.
I've been fighting this claim for 8 years, going on 9 and my lawyer did a bang up job on collecting evidence and arguments for this, so it should go well. Itll allow me to close a painful chapter of my life to get it settled. What should I expect for waiting?
VRAB is still a couple of month's wait, usually somewhere between 8-12 weeks.
Sort of VAC related, more medically related until I submit a claim. Long story short, somethings wrong with my lower back. Saw CDU, got X Ray, they caught something that was wrong. Sent to MRI, said they'd get back to me in 5 days. Been over a month now. How come CDU can't tell me what's wrong over the phone? I have to travel 2 hours to sit in CDU for what could suffice as a phone call. Is there a way to get this resolved over the phone?
No clinician is going to reveal health information over the phone. They will want you in person to go over the results, and go over whatever treatment plan is appropriate.
Hey brothers and sisters anyone ever claimed a functional neurological disorder? Thanks and happy holidays!
FND's like IBS, restless limb syndrome/dystonia, or migraines are all consequential to MH. You would have to have MH approved first before seeking a claim for an FND. If you're still serving the diagnosis has to be listed on your med file. If released your clinician has to diagnosis the FND and then link it as subsequent/consequential to MH.
If on the other hand you feel you have a different FND - shoot me an email and I'll let you know.
Looking For Information on the Exceptional Incapacity Allowance Benefit. Who would be eligible for this, What are the requirements, are you able to receive this if you are already receiving DEC & APSC, and any other relevant information about this is greatly appricated.
I beleive you can't recieve EIA if you get APSC because they are essentially the same thing if I'm understanding correctly.
EIA is for RCMP members and CAF veterans under the old charter who get a disability award (DA) as opposed to pain and suffering compensation (PSC). RCMP can only receive EIA, they do not qualify for ASPC at all.
EIA cannot be accessed until the member is rated at at least 98% disability, whereas APSC has a lower overall payout, but is far more accessible.
I have a claim in for Sexual dysfunction, it's been sitting at stage 3.1 since January 2025.. is this normal to be waiting this long? Ive tried asking VAC and they just say they are back logged
Intial Claims being worked on are OCT 2024
How do I apply for a consequential condition? I Have multiple conditions that been caused by medication that the air force put me on for MH issues. I'm 3b released for the MH condition if that makes a diff.
Basically asking if it's a new claim or because it is consequential to the MH condition from my 3b release 8 years ago, is it a reassessment? Because it's drug induced, and the drug is from an entitled condition, do i have to re-link it to service, or is the link implied?
Thanks team!
You piggyback off the approved condition it’s consequential to. It’s still a new claim but the service justification is it is consequential to your already approved condition. IE Sexual Dysfunction from an approved MH condition.
There are some thresholds to meet when it's the medication and not the awarded diagnosis itself that causes the consequential diagnosis. The most important one is that you can't come off the medication (because you need it for your awarded condition) and it can't be replaced with anything else.
Yes I cant come off the meds and there is no alternative
Thanks!
Is it possible to get a mortgage while being a veteran ? As anyone been able to?
If you’re receiving IRB or other LTD payments you can print off a proof of “employment” from MyVAC to show your annual income when applying for a mortgage if that’s what you mean
Yes! Absolutely! Speaking as a person in the industry.
How far before release can you submit your application for APSC? I understand they will put it on hold until you are released?
It usually takes 3 months from what I've seen on here so I'd apply about 3 months before release date if it was me. Good luck!
So my mortgage is up for renewal real soon. The renewal date is just after my release date from the CAF. I'm on a 3B release for a lot of issues but this question is regarding proof of "income"
My mortgage dude requests a document that states what income I will be receiving once I release. So I'll be receiving LTD from Manulife and VAC top op.
I am approved For rehab and IRB.
Apparently my approval letters are not good enough, they need numbers, go figure that banking institutions want numbers.
Is there someone at veterans affairs and Manulife that could possibly provide numbers?
Thanks in advance
Contact both. If you're getting LTD then Manulife can sort you out for sure. They will know what your yearly income they provide would be for those 2 years.
Just for tracking purposes I submitted MH/PTSD February 26th 2025, my application went to step 3.2 today. What's the timeline for a decision?
Tracker is not to be trusted is the going SOP these days. You are outside the usual timeline I see but not like egregiously. I would hope for an early 2026 completion.
I went to 3.3 yesterday and my other application for general anxiety disorder was "Claim Withdrawn"... Im assuming it's because they are lumping them together??
Correct
Hi all, to make a long story sort of short, I was declined my claims originally in 2005, reapplied in 2006, waiting on medical info but life took over and my dr didn’t submit what they were supposed to and I ended up putting it on hold vs cancelling. Fast forward to 2024 after years of back and forth to dr’s / specialist and a series of various treatments, I started receiving support and encouragement from other members, including this monthly post, to go for it and finally resubmitted again one of the claims with PBA who after receiving the medical report, turned it back to vac for a re-review. File went to stage 3 in Feb 2025, which brings us to today. I received a call from PBA advising they received a message from vac about my claim, they want me to withdrawal the re-review claim and submit a new claim that’s more related to my current condition. This was an impact injury that occurred during training. Originally this particular claim was for lumbar muscular strain, however it’s since turned into advanced degeneration ie bone on bone with nerve impingement, sciatica and numbness down one leg daily both legs on a bad day and some other stuff. Everyday is a roulette game on how functional I will be. Super fun. (Humour helps me stay positive). I asked PBA how long would it take to review if we did that? -didn’t know How does that impact the pension or benefit I receive as a new claim would fall under the new act vs the 2006 re-review under the old pension act. - Didn’t know. And How would submitting a new claim now as degeneration / osteoarthritis be better than them approving the re-review for what it originally was and me submitting for a reassessment. - He said from the message he got, if I kept it as it is it would be declined as what was submitted doesn’t contain any new evidence for that issue - which imo is BS. I also asked by submitting a new claim for what they said, would they look at everything going on with my lumbar area or just the degeneration. - Said with the assessment it should encompass all the issues and limitations for that area. PBA said he would go back to vac and ask these questions and get back to me. He also said, I didn’t have to fill out any new forms or anything. Essentially no action on my part was required which I found really weird as a new claim usually involves new forms - new reports and more time. This claim is just the tip of the iceberg of what I still have to submit for. I am beyond stressed. My QOL is not great and so yes, I have started a mental health claim as well. Any advice / insight you can give on what they are asking and why you think they are asking me to do this and probable outcome /timeline is greatly appreciated. Any advice at all really - thank you.
Hi,
First, I want to thank you for the support you provide to CAF members regarding VAC matters. I have a question about my recent decision. I was granted 10% for tinnitus and 1% for Quality of Life.
However, based on the report, it appears that only my tinnitus was evaluated. My hearing loss does not seem to have been assessed, as the VAC decision only mentions tinnitus. This is concerning, especially since my audiologist recommended two tinnitus maskers as well as an amplifier for my hearing loss, which shows that both conditions affect me on a daily basis.
Also, receiving only 1% for Quality of Life feels low considering the constant symptoms I experience from tinnitus.
I would like your opinion: Should I contest the decision, or is this outcome typical given my permanent tinnitus symptoms and hearing loss from the audiologist?
Thank you for your help !
For constant tinnitus it is pretty spot on at 11% but if you have hearing loss that wasn’t accounted for it should be addressed with an appeal
Long time lurker. Few time poster, had a few things happen this week and questions on others. Trade was Veh Tech So currently at 66% for MH, hearing loss and tinnitus First level of APSC and a small clothing award Currently have a few more claims in for a few consequential to MH and Osteoarthritis of hips and knees. So question 1. OA claims (submitted July of this year) went to stage 2 in Oct, stage 3.2 this past Tuesday to 3.3 this afternoon. Never seen a claim move so quick, I assume it’s a fluke and will be there for 6 months now.
At 66% I only have 34% remaining but if other claims are approved, I’m aware I won’t get Payment but entitled to treatment? (Sleep apnea claim would get me a cpap etc)
APSC second level obtainable at 100%? Pending disability I assume?
Thanks in advance for any and all info. All is greatly appreciated. Arte et Marte
Tracker is never to be trusted until you see complete
You’ll receive $ till 100% total then it’s just healthcare coverage for each condition.
Not necessarily. Look up what each stage requires under Chapter 25 of the disability tables. Even a person at 100% PSC might not qualify for Stage 2.
And now everything just switched to complete 30 seconds ago
Mental Health (Dementia)
My Husband just had his appeal hearing on Dec 2nd and we got the decision yesterday. Wasn't expecting it quite that quickly but I guess his advanced age/diagnosis pushed it along. Anyway, it was successful (not to brag or anything but I do believe it was partially due to all exhibits that were produced from our side were provided by me - a former paralegal. It was a lot of work but well worth it).
Now, I guess the question is, how will they determine what the percentage/compensation will be as there appears to be some information online that it could potentially lean towards it including such things as Caregivers Benefit, Attendance Assistance, and/or Additional Pain and Suffering Compensation
Anyone?
Has anyone had Lisa Riddle represent them from BPA? If so, how did it go? I have concerns.
She has helped me a few times. I have always found her to be direct and she answers my questions right away. In my opinion she knows what she is doing and has been successful with my appeals.
I haven't heard from my BPA rep in over six months. I have what I think is some declining mental health, headed back to where I was before, and don't have access to much right now because my claim was denied for now (med release). Should I just apply for something else so I can be covered until they deny me again?
Any suggestions?
u/Shoggoths420
I feel like if your claim is in appeal status you should be able to access MH services
Assuming two years have not passed since you submitted the MH claim, yes you still have access to treatment services
If you have passed the two year mark and are still serving, call CFMAP.
If you’re released and the two years have passed you will have to pay out of pocket, but can seek reimbursement.
You can also reach out to BPA to ensure that they have all of the evidence they asked for to move forward with review
Keep yourself safe, and reach out to your network if you need to
And also, thank you both
Anymore updates on DEC applications? Anyone submitted in September hear back on if they received DEC?
Mine was submitted September 1st and I am still waiting.
Do VAC or VocRehab people look at your Military MELs to determine if you are able to be employed in civi side? or you will be re evaluated after you are out?
Because I feel like my MELs didn't capture everything.
Nah they don’t look or care about MELs or anything specific to the CAF like say your medical categories or CF98s
Quick question. Is there a better time to reach BPA or do they actual reach out or do I need to keep trying to call ?
I left a voicemail last month (only 1... dont want to leave more one), and tried to call here and there since but never made initial contact yet. Not in a rush.
Decision was from a few months ago, just never take time to deal with my own admin.
Any input appreciated.
Thank you!
Send in a message on the VAC site. Best way to reach them in my experience.
Hello everyone, Long story short, I have applied for VOC Rehab on the 30 oct 25, while my claim for MH is not yet approved (still in process since 30 oct 25), thoracic spine claim in process since Aug 2024. During all this time I was on ETB until last Thursday (I had to cancel my program due to Rehab). The CM verbally confirmed on the phone that I am now on Rehab as of today, but my IRB will only be calculated as of today because the ETB was cancelled officially today. Is that normal, or it should be calculated since my application on the 30 oct 25? Do you think they will be able to make the first payment by the end of the month, or it will go to Jan 26? Thank you for everything you do.
I know this has been asked many times in the past, but I am still very confused about the way ahead. I have received a positive for a physical injury, for this type of injury they only look at the range of motion. The ROM in the paperwork fill out does not match the % they give me. They give be 1/4 and I should be at 1/2. What is the next step, do I ask for a department review or BPA ? What is the difference. And how to do this ?
So I finally got my rehab plan from Manulife. It's pretty intensive and time consuming. The want me to add 8-10 hours a week between 830-4 Mon-Fri. The problem is I'm already 4 months into my VOC rehab, which primarily happens 830-4 Mon-Fri. From my understanding, my VOC Rehab is contingent on participation in the Manulife rehab through PCVRS. The problem is that my Voc rehab has a time limit or 2 years post release, and my plan was approved as a full-time plan. If I cut back my time at school, I won't be able to complete it in the 2 year window but if I can't follow their rehab plan, do I risk losing my VOC rehab?
I might be able to figure it out but between school, the therapy I'm all ready doing (which is in addition to the PCVRS plan) and caring for a special needs child I am concerned I'm just going to either run out of available time or burn out. The 24 month window with Manulife really complicates things. I don't want to barely scrap through school because I've run out of time or mental capacity to study or do school work properly.
I'm just hoping for a little info before I go back to talk to PCVRS again.
Manulife and PCVRS have nothing to do with each other my friend.
Manulife’s plan is to get you off of Long Term Disability - and it appears they offered you schooling in order to try to accomplish that.
PCVRS is there to put you through a vocational and therapeutic rehab to see if you can return to work.
You are required to deal with PCVRS because they are contracted by VAC and because VAC is paying 15% of your IRB.
It is perfectly acceptable to tell Manulife that you are unable to manage the demands of schooling plus a rehab program, and the reverse is also true - you can tell PCVRS that their appointment scheduling conflicts with your attempt at academics, and ask that they alter the frequency of the appointments they want you to attend.
Also perfectly acceptable is choosing to not go to school at this point and concentrate on your health. Manulife if you withdraw from school will contribute to pay their 75% wage contribution for 2 years.
Depending on your overall health DEC may be an overall better option for you.
The important part of the plan is: 1. What decision you feel is safest and healthiest
VAC is the middle man here - they can/will communicate with Manulife and PCVRS. PCVRS has no oversight, concern or care what Manulife’s plan is. Make sure your VAC CM is aware of your concerns and let them assist you in speaking to the other two
Just want to confirm that by taking the lump sum payment instead of monthly, it doesn't stop benefits right? Like in 10+ years from now, I'll still be entitled to have treatment paid for by VAC for my pensioned conditions, even though I took the lump sum and not receiving monthly payments??
Yes. Your healthcare coverage for the conditions does not change. Just your financial compensation.
Wondering if anyone can give me insight into what kind of timeline I might have ahead of me.
Was denied for MH benefits (PTSD) in the summer (August 23) Contacted BPA, was contacted 8 weeks later and was told we would be doing a departmental review for this as they were surprised it wasn’t accepted. I was given another assessment form to bring back to psychologist to have filled out. I did that today, and it will be submitted to BPA by end of week.
Now that, that is done. What kind of timeline will I be looking going forward. How long does it take BPA to start the departmental review after they’ve recieved the required documents and then subsequently typical time line for a decision after that?
Thanks!
Hopefully 6-8 months but it could be quicker