An Open Letter to My Insurance Company:
This is Jairus
. You may remember me from a claim I filed over two months ago. As you may recall, I injured my leg while I was at work, and although I am not seeking workman's comp
related damages for this claim, I had asked for coverage under the 'Short Term Disability
' coverage that I have with your organization.
This is taking some time. In the interests of resolving this situation quickly, allow me explain my situation to you.
As you may know, I earn twelve dollars an hour. After deductions for EI
, insurance premiums
, and various other costs, I receive an average of twelve hundred dollars take-home pay. I don't know if you are familiar with the costs of living in Ottawa
, but this income rate puts me beneath the poverty line
, meaning I live month to month
, or am 'poor
'. Having been without pay for over two months, therefore, is a problem to me. Not having any money would be my first problem, most of my other problems follow directly from that.
I cannot afford to take a cab to my doctor's for continued monitoring of my injury. I cannot afford to purchase a leg brace
which I have been prescribed by said doctor for treatment of my injury. Food supplies are reaching critical levels, and most of the food I own I cannot eat due to a pressing dental surgery
need, for which I have no money. I am receiving threatening notices from my utility companies in a variety of colours which state in no uncertain terms that I must remit
hundreds of dollars. This, although quite threatening indeed, is overshadowed by the fact that I owe my landlord a sum that is an order of magnitude
larger, which if left unresolved will eliminate any need for paying future utilities, as I will not have a house to live in.
In short, this knee injury is ruining my life. If this pattern continues, it is not unreasonable to expect that I will eventually end up homeless, without the ability to receive the medical attention I require to recover fully.
The fear of a chain of events of this nature is what led me to purchase insurance coverage
, some many months ago. In the event that I was unable to work, I thought to myself, an insurance policy
will take care of my immediate financial needs, while allowing me to take care of my injury, so that I am able to return to work.
This cannot be allowed to continue. Every day that you stall for more information, hoping that my claim
or without grounds
, hoping that I'll tire of endless calls
, and touch-tone telephone prompts
, my chances of permanent damage rise to approach certainty. Perhaps worse, every day that passes is another day where I lose access to critical resources, and accrue unreasonable and unnecessary debt.
This has to end. Soon.
I hear my bones grinding, the sound of dead wood escaping my skin. My reflection isn't who I think I am, eyeballs looking out from grey, boney sockets, and a week's worth of growth when I swear I shaved yesterday.
Seven in the morning, and another night without sleep.