Re: &other with disabilty stuff

[Guest guest]

victoria - sorry - this will seem like a book but there is a good reason why I am sharing this long story w/ you... it is very important and related to disability benefits... sorry it is long but it may be worth the read is you can get thru it! trying to save you from the nightmare I am going thru right now....

I feel for you with all this mess w/ the drs and the disability crap.... I went thru it two yeas ago and am now doing it again... I was approved thru my companies short term disability policy after months of trying and getting them Drs notes, etc, from my pain doc, explant doc, Rhummy, etc.... they accepted is based on medical conditions and finally paid up on mu three month policy when the three months was almost up... by then I was soooo distraught.... we were low on money - bare making ends meet as it was taking so long on the short term stuff.... then came the long term transfer... it took forever as well (it seemed) and they also took their time going thru all my crap.... I had started seeing a therapist as I was so depressed and anxious over the waiting, etc.... I mentioned during one of my MANY calls to check on the claim that they were gonna give me a nervous breakdown as I was so freaked out over the waiting and was on meds (antidepressants and anxiety) as a result...I actually started crying on the phone to her a few times I was so freaked out... her tune changed pretty quickly - she asked who I was seeing, then within a week called me back and said they were approving me based on my depression and anxiety issues.... I was so desperate at that point to get a back payment to catch up bills, etc., that I didn't question it even though I knew I had perfectly good medical reasons for the disability... I later learned this was a big mistake....If they approve you based on mental issues they have a 2 year cap on most policies....at the time I figured within two years after explant I would be well enough anyways to go back so I didn't care as long as I was getting my disability and was able to buy food, etc., for the family.... now I am in a massive pickle....I am still ill...my two year are up July 5th... A year ago my disability co hired an atty to try to get me disability thru SS so they could be reimbursed and it wouldn't cost me anything so I went w/ it.... it has been denied - I was warned this is usual and the do it a few times before acceptance - no prob..... now on June 4th I suddenly had 4 massive Grand Mal seizures and was hospitalized for days... I have forwarded all this info to SS, my disability co, and the atty's who are all "working on it"... I have just receive my last real check.... I will get one at the end of July for only 5 days.... Now - in the middle of this crisis w/ my health I am stuck fighting with these three people to hurry these appeals up as all these new things have happened which means yet another doc appt each month with a Neuro and my seizure meds which are $50....I am trying to get the original disability co to change me from mental to medical (which is where I should have been to start with anyways with all my health issues). It could take months for them to deliberate and they may not do it.. then all have is the third appeal with SS which is on the "hearing" level now which will also take months according to my atty....My payments are pretty important to my family as I had a really good career pre-implant illness and made really good money..... we re going to be really hard off without them.... the atty said it is VERY common for disability companies to make you wait and stress you out and then try to get you on mental as it only ties them in for 2 years....max.... now I have these major new health issues and I am starting all over w/ the stress and waiting.... it is truly a nightmare - I should have stuck to my guns in the beginning and waited for the medical approval and not settled for the mental...I know they will probably try to get you on that path and it will seem easy to settle as it will be over with but you never know what the future may hold.... you could be perfectly fine in 6 months or, God Forbid, something could happen like me and now I am being told - no stress.... no driving... no working.... stay out of the sun and any stressful events.... this is the most stressful of all......It was bad enough getting our finances down to living off of 60% of my salary.... now I am back to zero for who knows how long. It is truly a nightmare and I really hope it doesn't happen to you... just look out - insurance companies are all snakes when it comes to this stuff - they collect all their premiums for years and - god forbid you are disabled, they put you thru the ringer, then try to nail you with am easy out - mental - 2 year max..... just watch out....

sorry this was so long - just felt the need to share for your sake and others here looking into disability.... I have spoken w/ many women in this group over the years and the same has happened to several - watch out with what they are doing with your case.... if it is SS you are after there is not a 2 year max - just until your doc releases you which is ok I guess, but i think it is better to stick with the physical disabilities so you are safe until you are able to work again.... in my case i was getting ready to hit the pavement again this summer if I was denied then I was knocked down with this seizure thing - I am outta luck here. who knows what the next few months will bring here.... fear and stress I am sure - not mortgage payments and groceries!!! luckily my hubby does really well and can cover a lot but he also has a stiff child support payment each month from his prev. marriage-he has a 15 1/2 yr old daughter- not complaining - he owes it - without a doubt -but it does take a massive chunk out.....a mortgage payment almost....

anyways - enough of my blabbering - stay safe and notified of your case.....

god lcuk and God bless!!!!

Shari

[Guest guest]

--- Shari, just to let you know I am praying for you - what a long

journey you're having!

Love & Lots of Healing to you,

Sunny

In , halvey70@... wrote:

>

> victoria - sorry - this will seem like a book but there is a good

reason why

> I am sharing this long story w/ you... it is very important and

related to

> disability benefits... sorry it is long but it may be worth the

read is you can

> get thru it! trying to save you from the nightmare I am going thru

right

> now....

>

> I feel for you with all this mess w/ the drs and the disability

crap.... I

> went thru it two yeas ago and am now doing it again... I was

approved thru my

> companies short term disability policy after months of trying and

getting

> them Drs notes, etc, from my pain doc, explant doc, Rhummy, etc....

they

> accepted is based on medical conditions and finally paid up on mu

three month

> policy when the three months was almost up... by then I was soooo

distraught....

> we were low on money - bare making ends meet as it was taking so

long on the

> short term stuff.... then came the long term transfer... it took

forever as

> well (it seemed) and they also took their time going thru all my

crap.... I had

> started seeing a therapist as I was so depressed and anxious over

the

> waiting, etc.... I mentioned during one of my MANY calls to check

on the claim that

> they were gonna give me a nervous breakdown as I was so freaked out

over the

> waiting and was on meds (antidepressants and anxiety) as a

result...I

> actually started crying on the phone to her a few times I was so

freaked out... her

> tune changed pretty quickly - she asked who I was seeing, then

within a week

> called me back and said they were approving me based on my

depression and

> anxiety issues.... I was so desperate at that point to get a back

payment to

> catch up bills, etc., that I didn't question it even though I knew

I had

> perfectly good medical reasons for the disability... I later

learned this was a big

> mistake....If they approve you based on mental issues they have a

2 year cap

> on most policies....at the time I figured within two years after

explant I

> would be well enough anyways to go back so I didn't care as long as

I was

> getting my disability and was able to buy food, etc., for the

family.... now I am

> in a massive pickle....I am still ill...my two year are up July

5th... A

> year ago my disability co hired an atty to try to get me

disability thru SS so

> they could be reimbursed and it wouldn't cost me anything so I

went w/ it....

> it has been denied - I was warned this is usual and the do it a

few times

> before acceptance - no prob..... now on June 4th I suddenly had 4

massive Grand

> Mal seizures and was hospitalized for days... I have forwarded all

this info

> to SS, my disability co, and the atty's who are all " working on

it " ... I

> have just receive my last real check.... I will get one at the end

of July for

> only 5 days.... Now - in the middle of this crisis w/ my health I

am stuck

> fighting with these three people to hurry these appeals up as all

these new

> things have happened which means yet another doc appt each month

with a Neuro

> and my seizure meds which are $50....I am trying to get the

original disability

> co to change me from mental to medical (which is where I should

have been to

> start with anyways with all my health issues). It could take months

for them

> to deliberate and they may not do it.. then all have is the third

appeal

> with SS which is on the " hearing " level now which will also take

months

> according to my atty....My payments are pretty important to my

family as I had a

> really good career pre-implant illness and made really good

money..... we re

> going to be really hard off without them.... the atty said it is

VERY common for

> disability companies to make you wait and stress you out and then

try to get

> you on mental as it only ties them in for 2 years....max.... now I

have these

> major new health issues and I am starting all over w/ the stress

and

> waiting.... it is truly a nightmare - I should have stuck to my

guns in the beginning

> and waited for the medical approval and not settled for the

mental...I know

> they will probably try to get you on that path and it will seem

easy to

> settle as it will be over with but you never know what the future

may hold.... you

> could be perfectly fine in 6 months or, God Forbid, something

could happen

> like me and now I am being told - no stress.... no driving... no

working....

> stay out of the sun and any stressful events.... this is the most

stressful of

> all......It was bad enough getting our finances down to living off

of 60% of

> my salary.... now I am back to zero for who knows how long. It

is truly a

> nightmare and I really hope it doesn't happen to you... just look

out -

> insurance companies are all snakes when it comes to this stuff -

they collect all

> their premiums for years and - god forbid you are disabled, they

put you

> thru the ringer, then try to nail you with am easy out - mental - 2

year

> max..... just watch out....

>

> sorry this was so long - just felt the need to share for your sake

and

> others here looking into disability.... I have spoken w/ many women

in this group

> over the years and the same has happened to several - watch out

with what

> they are doing with your case.... if it is SS you are after there

is not a 2

> year max - just until your doc releases you which is ok I guess,

but i think it

> is better to stick with the physical disabilities so you are safe

until you

> are able to work again.... in my case i was getting ready to hit

the pavement

> again this summer if I was denied then I was knocked down with

this seizure

> thing - I am outta luck here. who knows what the next few months

will bring

> here.... fear and stress I am sure - not mortgage payments and

groceries!!!

> luckily my hubby does really well and can cover a lot but he also

has a stiff

> child support payment each month from his prev. marriage-he has a

15 1/2 yr old

> daughter- not complaining - he owes it - without a doubt -but it

does take

> a massive chunk out.....a mortgage payment almost....

>

> anyways - enough of my blabbering - stay safe and notified of your

case.....

>

> god lcuk and God bless!!!!

>

> Shari

>