Stuck in Hell, please help. Brain Injury Nightmare

4 years ago I was cycling up Parliment and was struck by an SUV from the side. I crumpled into the vehicle, and the force threw me onto my back, landing about 15 feet away, and seriously injured my back, my pelvis, and a host of other things. Worst of all, it injured my brain. My helmet cracked. My brain broke. I had two hits in succession - the hit from the side and the impact injury from the pavement. It's a mess.

I also discovered a few things that stagger the imagination.

First - OHIP is truly archaic in the world of brain injury. You can replace a meniscus and get it paid for with OHIP - a part of your body that you can literally cut out and still maintain life, but OHIP does nothing to pay for brain injury rehab. You can cut off your knee and live, but you cannot cut off your head and live.

Second - Insurance law was horrifically changed in the past decade or so, and it is designed to abuse the plaintiff. I don't mean go pff pff on a few issues on a claim, I mean quite literally, abuse. Frankly, you should be scared. Catastrophic injuries are expected to endure the rigor of yearly applications for CPP Disability, becasue "double dipping" for $500 a month - which is the baseline for disability - would be bad, but insurers can force you to sell your home to pay for rehab and to live, and you won't get the money back because of the CAPS on claims set by the province. So an insurer can defraud you of your entire life savings, your home, and your life, and do nothing to repatriate you of any of this.

I wish I was joking. I am not.

I am running out of money, and the Canadian Government thinks that $500-1500 is sufficient to maintain life as a disabled person. I hate using that word, disabled, but I have to now. It sucks beyond all imagining. People treat you oddly at times if you ask for accomodation. Some people are great, but there's a whole world of shock I had no clue existed that I have done a face plant into.

The insurer has not given me a dime to live on in almost a year, and somehow they managed to mangle my actual income into something like $98 a week, which is a joke. But it's a joke that helps them keep their pool of capital that they give profits to their shareholders at 25% profit. So there's that. These are the kind of people I have to deal with. This is the kind of stuff we have seen in the past in certain countries, where the disabled were impoverished and ghettoed. 50% of homeless people have brain injuries. Had they received proper care, they might not be homeless.

I need help to try to be able to stand up against the insurers. Otherwise I will be forced into Medically Assisted Suicide, or forced to accept settlements that will put me back at Medically Assisted Suicide in a couple of years. I would PREFER TO LIVE.

I am not suicidal. I did not spend hundreds of thousands trying to repair my brain and body, with zero support from the insurer who thinks they are both above the law and above any and all sense of human decency apparently.

Turns out I knew the guy who wrote the legislation. I asked him, I said, you know this is destroying people's lives. He said, I know. I said, I may have to do MAID because of your actions. He said, oh I don't want you to have to do that.

But seriously folks, what the hell. How has it come to this in Ontario and in Canada?

I used to own a house in Leslieville and I talked to people in the area - both the wealthy and the poor - it's a mixed area. Kids would do odd jobs because their parents couldn't afford FOOD on disability. Canada starves the disabled. Other kids ended up as prostitutes and one night, I had to knock on the door of a car outside my house and ask the teenage girls and their john to take their business elsewhere. They lived in the low income disability focused building. They were trying to make enough to exist.

I would like to be able to surive this claim without having to end my life to avoid the consequences of Canada's indiffernce to the disabled. I would like to be able to live and to thrive, and to see a future again. I am absolutely breaking apart from the stress of the past 4 years and I need your help to survive this.

And yes, my case was declared catastrophic. But the process to get there would disgust you, beyond words.

Too little too late comes to mind.

50% of homeless people are disabled.

I would rather end my life meaningfully than face that reality and watch my mind fall apart and my body fall apart.

I need help to get through the next leg of this journey. If you can help, it would mean a lot to me if you could. I had to actually basically fall apart to even ask you for help, because this is not my style, but the situation is a mess, and I don't know what to do anymore.

You can't solve financial stress with prozac, and you can't focus on therapy and rehab with the risk of financial ruin and MAID staring you in the face. I can't take the stress of this alone anymore.

If you can help, please do. I've been treated like a bank by my country and by the insurer.

The longer the insurer doesn't pay out the claim or any of the items they owe me, the more interest they make on their pool of money. By forcing me to lose $400 000 they have in this course of time, made that amount into $800 000 and if they push it longer, they will have a net zero loss on their financial risk. They undersell their policies and bite the profits off of the plaintiffs personal finances, and capitalize the personal finances of the injured.

Or so I've been told by financial experts.

It's a disaster, to put it mildly.

It disgusts me that I have to ask for help, because I'm not in the habit of it, but if you can, I really could use a hand right now. The situation is truly, truly horrible. This isn't well written or organized, but it pretty much made me want to vomit just writing it, because it's so outrageous to be put into humiliation like this.

Please don't text me and ask me if I feel ok. That's ridiculous. I am a goal oriented person who is facing a structured form of gaslighting and abuse. I want a chance to rise above it. If you can help, it would mean a great deal to me.