I've heard things about GWL where they are really stingy about giving out your paid benefits. I hope you have a decent experience with them. I'm with Manulife, and they're not that great when it comes to major things like what you are dealing with. Makes you wonder if any insurance companies are on the up-and-up.
In Alberta, we have what is called AISH. Assured Income for the Severely Handicapped. Yes, I qualify for this. I'm apparently, severely handicapped..... It pays out $1050 a month and covers all of my medication needs, ambulance trips, eye doctor, dentist. Everything. Part of the benefit plan includes a payment from CPP. Is there anything like that in BC?
I can imagine this is extremely stressful for you. If I think of anything else you can do, I'll let you know.
Take it easy!