Any suggestions?

[Guest guest]

> ...Done correctly it should not take years for a application to be

> approved. Mine only took 2 months. It's a matter on being able to

> give SSA what they need to make a positive determination.

CYNTHIA - PLEASE FORGIVE MY CAPS - I JUST WANT TO BE ABLE TO ADDRESS A COUPLE OF

THINGS ON YOUR POST - I APPLIED ALMOST 4 YEARS AGO FOR SSD AND AM STILL WAITING!

I HAVE BEEN TOLD BY MY SSD ATTORNEY THAT IT DEPENDS ON WHAT STATE AND EVEN WHAT

DISTRICT YOU LIVE IN AS TO HOW LONG A CLAIM WILL TAKE TO BE APPROVED. IT IS A

FRUSTRATING TIME...

> Now, each State should have a Insurance Ombudsman, or at least some

> sort of Overview of Insurance to help consumers with problems with

> their insurance company. I know the one in California and am fairly

> good and tracking down who to go to in just about any other State.

WHAT IS AN " INSURANCE OMBUDSMAN " ? I LIVE IN FLORIDA - ARE YOU AWARE OF ANYONE

OTHER THAN MY AREA CONGRESSMAN THAT I COULD CONTACT? I'VE BEEN TOLD MY CASE IS

BEFORE THE APPEALS COUNCIL IN FALLS CHURCH, VA.

THANK YOU FOR ANY HELP YOU MIGHT GIVE - PLEASE FORGIVE THE CAPS...

Doreen

[Guest guest]

Sue,

If you have a local women's advocacy group (maybe a dv organization), you can

try contacting them. Most organizations of that nature and some religious

organizations (like Catholic Charties)apply for annual federal grants which are

designed to help cover emergency housing costs/expenses. The dv organization

that I used to work for received funding every year, which we in turn used to

help all kinds of peoople in our community with rent, electric, cooking gas,

water, etc.

You can also check with your local office of Health & Human Services. They

somtimes have programs as well for emergency assistance. If they don't have a

program in place, they should be able to point you in the direction of a group

who does.

Good Luck. You're in my prayers.

Betsy in the VI

> >

> >

> >

> > Last Nov I found out that my drs office hadn't sent medical records in like

requested so my disability payments were put on hold. So I haven't been paid

since then because it has been so hard getting everyone on the same page.  So

everything was turned in last Tuesday.  Last Thurseday I heard back from the

review.  I was denied.  I was heart broken until I realized the most important

visits to the dr wasn't sent to the Insurance company to review, now I am

pissed. 

> > I am going to loss everything!!!  My house, everything.  I will have to

fins homes for my pets and place for my daughter and I to live.  Just because

the medical records person is imcompantent.  I have had no money since Nov, No

bills have been paid.  I have lost my COBRA coverage because it wasn't paid

today.  I have been eating just because my parents bought us food.

> > I have an appointment with a lawyer and do plan on appealling but that will

take 45 days just for insurance company to make a decision.  So by the time they

make a decision I will have been on the streets for a month.

> > Does aanyone have any suggestion.  I did go sign up for food stamps and

medicaid, so I will have food and medicine but nothing else.

> >

> > Suw

> >

>

[Guest guest]

Get messages to everyone you can, see if your lawyer will help, and let them

know that it was due to incompetence that this has happened to you and you will

be suing in order to get it all straightened out. This is wrong on so many

levels and there has to be some relief through legal channels. Prayers coming

your way!

M

>

> Last Nov I found out that my drs office hadn't sent medical records in like

requested so my disability payments were put on hold. So I haven't been paid

since then because it has been so hard getting everyone on the same page.  So

everything was turned in last Tuesday.  Last Thurseday I heard back from the

review.  I was denied.  I was heart broken until I realized the most important

visits to the dr wasn't sent to the Insurance company to review, now I am

pissed. 

> I am going to loss everything!!!  My house, everything.  I will have to fins

homes for my pets and place for my daughter and I to live.  Just because the

medical records person is imcompantent.  I have had no money since Nov, No bills

have been paid.  I have lost my COBRA coverage because it wasn't paid today.  I

have been eating just because my parents bought us food.

> I have an appointment with a lawyer and do plan on appealling but that will

take 45 days just for insurance company to make a decision.  So by the time they

make a decision I will have been on the streets for a month.

> Does aanyone have any suggestion.  I did go sign up for food stamps and

medicaid, so I will have food and medicine but nothing else.

>

> Suw

>

[Guest guest]

I thought I had replied to this post earlier this week, but I don't see it.

A couple suggestions.just hear me out.

..First, do not assume that the MD's office didn't send them or didn't send

the right thing. MANY times disability is NOT trying to work in your favor,

so the best thing to do is make an appearance at the MD's office and speak

to whomever does that sort of thing. Be very polite and concerned, try to

not be accusatory and maybe start with " you're probably not going to believe

this, but disability says they didn't get all my medical records like I

requested in writing on (you know the dates)..I told them I couldn't believe

that you didn't send them anything, maybe they have lost it? Would you mind

looking for me and see when you sent the records so we can figure out where

the problem might be? " .A disability surveyor or whatever they call them,

ignores pieces presented to him, that's just how it works. Many people I

have known in tragic accidents who lost mental status or limbs or ability to

walk were denied several times.

My suggestions are these because, being a RN and being involved in getting

disability with my brother in law (who is DD and has epilepsy), I know the

disability folks don't want to give you disability and they will try

anything. At one point with him, with the mentality of a 7 year old, one of

disability's people trying to deny us said at his hearing " your honor, I

believe he can change oil, deliver newspapers and bag groceries. " I asked

for permission to speak, stood and said to this man very politely " Sir,

would you allow this man to change the oil in your car? " ..The judge smiled

and then stated " point taken " ..And, he was approved. ;-)

So, if you like your MD and plan on staying, threatening to sue wont help

you, and frankly, there is probably nothing a lawsuit against them will do.

It costs money to sue folks, especially MD's because they can easily deny

even knowing anything about it, and will then drop you as a patient. Lawyers

probably can't do anything to help you. But a good disability attorney can

help you by asking for a copy of the records to come to him/her and the

other copy to disability.

I hope this will resolve, and if it's like most disability, there is back

pay, so eventually there will be repayment of back earnings.

If you have a church, contact them, ask for help. Talk to the bank, tell

them the situation. There are lots of people going through stuff right now,

be one of the ones who contacts them to work something out or explain the

situation. Many people are just walking away and not working with them at

all. I am sure that you will find the root of the problem and be able to

help yourself, which feels wonderful!

CLM RN

>

> Last Nov I found out that my drs office hadn't sent medical records in

like requested so my disability payments were put on hold. So I haven't been

paid since then because it has been so hard getting everyone on the same

page. So everything was turned in last Tuesday. Last Thurseday I heard

back from the review. I was denied. I was heart broken until I realized

the most important visits to the dr wasn't sent to the Insurance company to

review, now I am pissed.

> I am going to loss everything!!! My house, everything. I will have to

fins homes for my pets and place for my daughter and I to live. Just

because the medical records person is imcompantent. I have had no money

since Nov, No bills have been paid. I have lost my COBRA coverage because

it wasn't paid today. I have been eating just because my parents bought us

food.

> I have an appointment with a lawyer and do plan on appealling but that

will take 45 days just for insurance company to make a decision. So by the

time they make a decision I will have been on the streets for a month.

> Does aanyone have any suggestion. I did go sign up for food stamps and

medicaid, so I will have food and medicine but nothing else.

>

> Suw