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Has Anyone been Approved?

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emma_chase View Drop Down
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Joined: 15/April/2005
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    Posted: 07/August/2006 at 2:32pm

Has anyone been approved for CSL (canada student loan) disability?

 

-Emma

emma_chase@****
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crossr View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote crossr Quote  Post ReplyReply Direct Link To This Post Posted: 02/September/2006 at 6:26pm

No. Under HRDC's definition of disability, people pretty much have to die in order to have their student loans forgiven. My case is a good example; in 2003 I got a life-threatening brain virus that was within 24 hours of being fatal. I was hospitalized for 5 months, and actually had to be taught how to eat and how to walk again. For the first while, physicians had to feed me pureed food like infants have, and I was "unable to follow simple commands." Physicians officially stated and recorded that I had permanent disability, and that I could "never be expected to work again." Because of that virus, I'll never be able to drive again, I have prosopagnosia (inability to recognize people's faces, even direct family and my own face), visual agnosia, retrograde and anterograde amnesia, auditory cognitive deficit, learn at 1/6th the pace I did prior to the infection, English vocabulary reduced to a grade 10 level...the list goes on. After my brain virus, I didn't even know which courses I had taken or where I was working. Despite all of this though, HRDC won't even forgive the interest they charged on my student loan while I was in the hospitals. Altogether, unless you die, you have pretty much no hope of having your student loan forgiven.

Rob

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emma_chase View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote emma_chase Quote  Post ReplyReply Direct Link To This Post Posted: 24/October/2006 at 10:33am

My friend says the CSL Disability form looks almost identical to the CPP Disability form. (Both programs are administered by HRDC, so it is not surprising.)

In order to qualify for CPP, it is hard to qualify -- and some disabling conditions are more "respected" than others.

For example, when i was in nursing school, we had a patient that applied for CPP. This person had no hands and no leg from Diabetes -- so THREE of the limbs were useless.

Doctors were had scheduled the removing of the remaining leg. Patient was in Kidney Failure (end-stage) from the years of Diabetes, which means Dialysis 3x/wk.

The Kidney Failure meant that poisons build up in the blood which cause heart, organ and brain damage. (Brain is being poisoned, so people go crazy with psychotic symptoms, etc).

This person was still considered EMPLOYABLE.

It was only until the person was diagnosed with imminent BLINDNESS that they were approved.

Later I found from others that, yes, blindness is almost always approved by CPP.

I think there are people who have so many conditions, though, that they are not able to earn enough to repay.

My program was supposed to earn me $25-50/hr.

I'd be lucky to get a job at all, if i were honest about my injuries.

 

 

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Casey View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Casey Quote  Post ReplyReply Direct Link To This Post Posted: 25/October/2006 at 2:21am
It sounds more like you should be making a hardship claim.

If your financial situation is such that repaying your CS loan would cause undue hardship and are not likely to be working in the near future this would be more likely to help you.

You have to ask for a hardship kit which is basically a standard financial statement as used by collection agencies, a medical certificate and if it applies there is a form to declare that you have no income. You also have to write a letter telling them why your loan should be removed from recovery.

Note.. This does not get your loan forgiven only put in an inactive state as long as your situation remains the same. This should means no more collectors but you may still have to fill out forms to maintain this status..

There is not a lot of information available about this process. It took me years to find out about this and I'm still learning. I am keeping notes on what I learn from my experience and will  share this with others when I know more.

Casey . . .
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emma_chase View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote emma_chase Quote  Post ReplyReply Direct Link To This Post Posted: 26/November/2006 at 9:48pm
What is the Hardship Plan? That  must be a secret one b/c I've never heard of that HRDC program.
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administrator View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote administrator Quote  Post ReplyReply Direct Link To This Post Posted: 27/November/2006 at 5:49am
This is a clause under Debt Reduction that the goverment does not make availalbe on the canlearn site... nor is it documented anywhere other than in the regulations... I believe you need to meet all the requirements for DDR...to qualify for this...


43. (1) The Minister may, on the request of the borrower, make a gratuitous payment to a lender pursuant to section 42 or reduce a borrower's student loans or guaranteed student loans pursuant to section 42.1 when the criterion set out in paragraph 42(1)(e) or 42.1(1)(e), as the case may be, has not been met if the Minister determines, based on documentary evidence provided by the borrower, that

(a) unforeseen and unavoidable circumstances beyond the control of the borrower or their spouse or common-law partner have led to the borrower incurring extraordinary expenses; and

(b) the borrower is able to make the instalments on the reduced debt.

(2) The Minister shall provide a notice of the determination to the borrower in the case of the reduction of the principal amount of a direct loan, and to the borrower and the lender in all other cases.

Administrator

-------------

Mark O'Meara

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awild View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote awild Quote  Post ReplyReply Direct Link To This Post Posted: 03/April/2007 at 12:30pm

I was accepted for disability as I had to also quit university and. I had a disease called spinal Noises. Sounds easy BUT some how my loan went to collections and for the last ten or more years. I have been sending my "proof" to student loans and Ontario Student Loan via CBCL collections. I do not know who is in need of the proof The calls will quit for awhile and then out of nowhere the collection agency starts. I have moved from Ontario to Saskatchewan . Started do my social work degree (BSW) it was once indicated to me that I owed for my Masters degree on the first year and that CBCL is just following default loans .I get to hear the recordings off and on. I feel that some how they think they have made a mistake which they haven't( (I am getting worse health wise) but that some how I am going to be cured and some one wants to know. Even though I have been forgiven I am still not and that any given moment the calls will start and they start right where they ended. MeSsages will be the same and calls all day. I will be looking for my Folder to fax to them again and asking what is this about calling who ever to get them to stop .I am getting older as I was a older student when I started I wonder if they will call after I am dead. They have ,made sure I do not have any credit but when you are disabled you have no credit to start with and maybe when I am old I will like those calls as they will remind me of a day when I was younger as they do now. One question I will never know Have I been forgiven?

there is no stupid people just stupid questions. quote unknown
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tammer Quote  Post ReplyReply Direct Link To This Post Posted: 08/February/2009 at 12:20pm
Just wondering what my chances are at being approved. I'm already on Federal Disability.
 
Tammy
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Gully Quote  Post ReplyReply Direct Link To This Post Posted: 29/January/2015 at 3:55am
Not yet, anyone notice how the forms are worded? I'm having a helluva time getting my doctor to properly fill out the forms.
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