Re: Re: Considering a job change

[Guest guest]

In a message dated 11/28/04 9:27:42 PM, nefertiti@... writes:

> I sort of feel trapped by the good benefits of my

> current

> > job

>

Oh, Sierra, just be glad you have them. It looks like my job is being

eliminated this spring. At 60, it is unlikely that I will find another one.

I

don't know what my husband and I will do without the medical insurance. I

really can't retire with full benefits until I am 67, but how to work with hands

full of RA? If I could keep teaching it would be fine, but there are

hundreds of teachers out of work here in Cleveland.

Polly

[Guest guest]

In a message dated 11/28/04 9:27:42 PM, nefertiti@... writes:

> I sort of feel trapped by the good benefits of my

> current

> > job

>

Oh, Sierra, just be glad you have them. It looks like my job is being

eliminated this spring. At 60, it is unlikely that I will find another one.

I

don't know what my husband and I will do without the medical insurance. I

really can't retire with full benefits until I am 67, but how to work with hands

full of RA? If I could keep teaching it would be fine, but there are

hundreds of teachers out of work here in Cleveland.

Polly

[Guest guest]

oregonbeth <broot@...> wrote:

-Although the Americans with Disabilities Act (ADA) has really done some amazing things in the workplace, there are still lots of barriers in the way for those of us with disabilities.The ADA says that employers have to consider qualified applicants (or keep employees) with disabilities who can do the essential functions of the job with or without reasonable accomodation. So, if you can do the basics of your job but need to sit instead of stand, they have to let you sit. Of if you can do most of the job, but can't lift anything above 10 lbs, it is reasonable to have someone else do heavy lifting if it isn't an essential job function. However, if you can't do the essential functions no matter how they structure the job or work site, the employer doesn't have to do anything or keep you on.A lot of people with disabilities (espeically ones that aren't obvious) don't want to come

out and say they are disabled until it gets to the point where they are in trouble with their job because they can't do it. At that point if you identify yourself as disabled, your employer should work with you and your doctor to identify what you can and can't do and what accomodations are needed. If something can be worked out, they can't fire you (well, they might, but you've got a good chance of winning a law suit). Not all employers are very enlightened about the ADA or making accomodations, so you may or may not have problems with them.If you are looking for resources to help you find a new job, you might find some through your state government. We have a vocational rehab department that meets with people, helps them identify what they can do and helps them with training for jobs. That doesn't necessarily mean that a new job will show up for you, but they try to help you find

one.As for the cost of health insurance - you're going to find that anywhere. Employers can't afford to pay as much as the costs are going up, and they are sharing those costs with employees. We, the people with RA are typically some of the higher cost claimants, and get far more benefit out of our health plans than we ever pay. I think the plan I have through work costs @$800 per month for family medical, of which I pay about $100 and the company pays the other $700. So the entire premium for the year is $9,600 for the family. My medical expenses this year have been over $30,000 (thanks mostly to expensive drugs). So my treatment is subsidized by all of the healthy folks in the group - thank goodness they exist!I don't know if this answered your questions - let me know if you have any others that I can try to answer. I've worked in Human Resources for 18+ years, many of them in

employee benefits.BethBeth ,

thanks thats good info ,thats my sitsuation im just hanging in till i cant no more , my insurance is right at 750.00 $ a month out of my check ! yes my part not the companys that they will not let us know their contirbuibion which im sure is much less than ours . our company is famous for being corrupt and unfair to their employs (spelling ) not saying this is but others not metioned well still dont know my path guess ill either get fired or carried out LOL most likely fired if i dont get where i can go and quite hurting so bad .

later john__________________________________________________

[Guest guest]

Thanks, since the bulk of my disability doesn't come from ss I am waiting to see

what Metlife says. I think any money I earn if they even allow it, they will

take out of my check. I know they make sure I only have so much money coming in

a month. I was suppose to retain my salary but it didn't work out that way.

When I complained that just said that was the way it was and that was the money

I was getting. I will let you know what I find out. Right now I will go to ss

web site and

see what I can find out.

Thank you,

Lynn

dreamer_plus wrote:

> did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> If you make more than $780 in any month- they count those months, and you get

I think 9 of those months where you earn more than $780 and then you can lose

your social security. Bummer is those months do not have to be consecutive. My

husband delivers newspapers and he has to be very careful to never run any

routes for sick co deliverers, no matter how " good " he feels, becuz he already

has 6 months in of trial work.

> There are pamplhlets at social security and on their website that can explain

this better. But I know you can work so long as you make less than $780 (and

that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

>

> - In , k.j.choate@a... wrote:

> > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that helps.

> >

> >

> >

> > -------------- Original message ----------------------

> > From: Ruf-Caimi <ruf-caimi@e...>

> > >

> > > I was just wondering if anyone has given up disability insurance and tried

to go

> > > back to work? Financially I am in not such a good place and I am

considering

> > > trying to go back to work. Of course

> > > I will lose my social security benefits, including medical. But it is

getting

> > > so hard money wise that I have to consider doing this. Has anyone else

given up

> > > their benefits? If so how did you

> > > make out trying to work?

> > > Lynn (MeMom)

> > >

> > > k.j.choate@a... wrote:

> > >

> > > > Sierra- I work in a social services/legal services program. I think you

owe

> > > yourself to look into the new position. I think it is important to know

that we

> > > have options. At least check it out.

> > > >

> > > > Hugs,

> > > > -------------- Original message ----------------------

> > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > >

> > > > >

> > > > > Changing jobs is definitely more difficult after having settled into

> > > > > a place for 6 years and racked up lots of sick time, vacation days,

> > > > > and caring relationships. With RA, it feels harder to take risks. And

> > > > > yet, I feel drawn to try something else. My job (in social services)

> > > > > is stressful. There are some big challenges ahead, and there's been

> > > > > lots of turnover. I've even heard the executive director talk about

> > > > > leaving. The near future does not look bright at all. I think the

> > > > > stress has a role in my fatigue. I work part-time, but have a lot of

> > > > > responsibility (with more coming); I've been wondering if I found a

> > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > see an interesting job advertised today that I've been thinking

> > > > > about, but I sort of feel trapped by the good benefits of my current

> > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > nothing is lost by applying, interviewing, and considering it after

> > > > > I've gained more information, right?

> > > > >

> > > > > Any stories to share about changing jobs with RA?

> > > > >

> > > > > Sierra

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

[Guest guest]

Thanks, since the bulk of my disability doesn't come from ss I am waiting to see

what Metlife says. I think any money I earn if they even allow it, they will

take out of my check. I know they make sure I only have so much money coming in

a month. I was suppose to retain my salary but it didn't work out that way.

When I complained that just said that was the way it was and that was the money

I was getting. I will let you know what I find out. Right now I will go to ss

web site and

see what I can find out.

Thank you,

Lynn

dreamer_plus wrote:

> did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> If you make more than $780 in any month- they count those months, and you get

I think 9 of those months where you earn more than $780 and then you can lose

your social security. Bummer is those months do not have to be consecutive. My

husband delivers newspapers and he has to be very careful to never run any

routes for sick co deliverers, no matter how " good " he feels, becuz he already

has 6 months in of trial work.

> There are pamplhlets at social security and on their website that can explain

this better. But I know you can work so long as you make less than $780 (and

that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

>

> - In , k.j.choate@a... wrote:

> > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that helps.

> >

> >

> >

> > -------------- Original message ----------------------

> > From: Ruf-Caimi <ruf-caimi@e...>

> > >

> > > I was just wondering if anyone has given up disability insurance and tried

to go

> > > back to work? Financially I am in not such a good place and I am

considering

> > > trying to go back to work. Of course

> > > I will lose my social security benefits, including medical. But it is

getting

> > > so hard money wise that I have to consider doing this. Has anyone else

given up

> > > their benefits? If so how did you

> > > make out trying to work?

> > > Lynn (MeMom)

> > >

> > > k.j.choate@a... wrote:

> > >

> > > > Sierra- I work in a social services/legal services program. I think you

owe

> > > yourself to look into the new position. I think it is important to know

that we

> > > have options. At least check it out.

> > > >

> > > > Hugs,

> > > > -------------- Original message ----------------------

> > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > >

> > > > >

> > > > > Changing jobs is definitely more difficult after having settled into

> > > > > a place for 6 years and racked up lots of sick time, vacation days,

> > > > > and caring relationships. With RA, it feels harder to take risks. And

> > > > > yet, I feel drawn to try something else. My job (in social services)

> > > > > is stressful. There are some big challenges ahead, and there's been

> > > > > lots of turnover. I've even heard the executive director talk about

> > > > > leaving. The near future does not look bright at all. I think the

> > > > > stress has a role in my fatigue. I work part-time, but have a lot of

> > > > > responsibility (with more coming); I've been wondering if I found a

> > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > see an interesting job advertised today that I've been thinking

> > > > > about, but I sort of feel trapped by the good benefits of my current

> > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > nothing is lost by applying, interviewing, and considering it after

> > > > > I've gained more information, right?

> > > > >

> > > > > Any stories to share about changing jobs with RA?

> > > > >

> > > > > Sierra

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

> > > > >

[Guest guest]

I've heard that info before and can't find any reference to it anywhere. All

I can find is that we can't be 'able to earn' more than $500 per month, and

that we can't be employed at all. I know about the 'try to work' plan, but I

already know it won't be possible for me to do it. Where can I find out

about the $780?

Dennis

[ ] Re: Considering a job change

>

>

> did you know you can also work and continue to keep your social security

> disability so long as you earn less than $780 a month?

> If you make more than $780 in any month- they count those months, and you

> get I think 9 of those months where you earn more than $780 and then you

> can lose your social security. Bummer is those months do not have to be

> consecutive. My husband delivers newspapers and he has to be very careful

> to never run any routes for sick co deliverers, no matter how " good " he

> feels, becuz he already has 6 months in of trial work.

> There are pamplhlets at social security and on their website that can

> explain this better. But I know you can work so long as you make less

> than $780 (and that is GROSS, not NET so watch carefully) and still retain

> full disability benefits.

>

>

> - In , k.j.choate@a... wrote:

>> You won't be giving up the benefits - if social security disability-

>> completely. There is an allowable " window " in which you can attempt to

>> work - to see if you can. Social Security Disability put that window in

>> to encourage people to work. I think it is a nine month trial period.

>> Should check with Social Security people. Also many states have a

>> rehabilitative service- which allows for retraining and I think it allows

>> for some type of state medical insurance during the retraining.

>> In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

>> helps.

>>

>>

>>

>> -------------- Original message ----------------------

>> From: Ruf-Caimi <ruf-caimi@e...>

>> >

>> > I was just wondering if anyone has given up disability insurance and

>> > tried to go

>> > back to work? Financially I am in not such a good place and I am

>> > considering

>> > trying to go back to work. Of course

>> > I will lose my social security benefits, including medical. But it is

>> > getting

>> > so hard money wise that I have to consider doing this. Has anyone else

>> > given up

>> > their benefits? If so how did you

>> > make out trying to work?

>> > Lynn (MeMom)

>> >

>> > k.j.choate@a... wrote:

>> >

>> > > Sierra- I work in a social services/legal services program. I think

>> > > you owe

>> > yourself to look into the new position. I think it is important to know

>> > that we

>> > have options. At least check it out.

>> > >

>> > > Hugs,

>> > > -------------- Original message ----------------------

>> > > From: " snowdrift52003 " <snowdrift52003@y...>

>> > > >

>> > > >

>> > > > Changing jobs is definitely more difficult after having settled

>> > > > into

>> > > > a place for 6 years and racked up lots of sick time, vacation days,

>> > > > and caring relationships. With RA, it feels harder to take risks.

>> > > > And

>> > > > yet, I feel drawn to try something else. My job (in social

>> > > > services)

>> > > > is stressful. There are some big challenges ahead, and there's been

>> > > > lots of turnover. I've even heard the executive director talk about

>> > > > leaving. The near future does not look bright at all. I think the

>> > > > stress has a role in my fatigue. I work part-time, but have a lot

>> > > > of

>> > > > responsibility (with more coming); I've been wondering if I found a

>> > > > full-time job with less stress, would there be less fatigue? I did

>> > > > see an interesting job advertised today that I've been thinking

>> > > > about, but I sort of feel trapped by the good benefits of my

>> > > > current

>> > > > job and concern about taking a risk and regretting it. Then again,

>> > > > nothing is lost by applying, interviewing, and considering it after

>> > > > I've gained more information, right?

>> > > >

>> > > > Any stories to share about changing jobs with RA?

>> > > >

>> > > > Sierra

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

[Guest guest]

I've heard that info before and can't find any reference to it anywhere. All

I can find is that we can't be 'able to earn' more than $500 per month, and

that we can't be employed at all. I know about the 'try to work' plan, but I

already know it won't be possible for me to do it. Where can I find out

about the $780?

Dennis

[ ] Re: Considering a job change

>

>

> did you know you can also work and continue to keep your social security

> disability so long as you earn less than $780 a month?

> If you make more than $780 in any month- they count those months, and you

> get I think 9 of those months where you earn more than $780 and then you

> can lose your social security. Bummer is those months do not have to be

> consecutive. My husband delivers newspapers and he has to be very careful

> to never run any routes for sick co deliverers, no matter how " good " he

> feels, becuz he already has 6 months in of trial work.

> There are pamplhlets at social security and on their website that can

> explain this better. But I know you can work so long as you make less

> than $780 (and that is GROSS, not NET so watch carefully) and still retain

> full disability benefits.

>

>

> - In , k.j.choate@a... wrote:

>> You won't be giving up the benefits - if social security disability-

>> completely. There is an allowable " window " in which you can attempt to

>> work - to see if you can. Social Security Disability put that window in

>> to encourage people to work. I think it is a nine month trial period.

>> Should check with Social Security people. Also many states have a

>> rehabilitative service- which allows for retraining and I think it allows

>> for some type of state medical insurance during the retraining.

>> In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

>> helps.

>>

>>

>>

>> -------------- Original message ----------------------

>> From: Ruf-Caimi <ruf-caimi@e...>

>> >

>> > I was just wondering if anyone has given up disability insurance and

>> > tried to go

>> > back to work? Financially I am in not such a good place and I am

>> > considering

>> > trying to go back to work. Of course

>> > I will lose my social security benefits, including medical. But it is

>> > getting

>> > so hard money wise that I have to consider doing this. Has anyone else

>> > given up

>> > their benefits? If so how did you

>> > make out trying to work?

>> > Lynn (MeMom)

>> >

>> > k.j.choate@a... wrote:

>> >

>> > > Sierra- I work in a social services/legal services program. I think

>> > > you owe

>> > yourself to look into the new position. I think it is important to know

>> > that we

>> > have options. At least check it out.

>> > >

>> > > Hugs,

>> > > -------------- Original message ----------------------

>> > > From: " snowdrift52003 " <snowdrift52003@y...>

>> > > >

>> > > >

>> > > > Changing jobs is definitely more difficult after having settled

>> > > > into

>> > > > a place for 6 years and racked up lots of sick time, vacation days,

>> > > > and caring relationships. With RA, it feels harder to take risks.

>> > > > And

>> > > > yet, I feel drawn to try something else. My job (in social

>> > > > services)

>> > > > is stressful. There are some big challenges ahead, and there's been

>> > > > lots of turnover. I've even heard the executive director talk about

>> > > > leaving. The near future does not look bright at all. I think the

>> > > > stress has a role in my fatigue. I work part-time, but have a lot

>> > > > of

>> > > > responsibility (with more coming); I've been wondering if I found a

>> > > > full-time job with less stress, would there be less fatigue? I did

>> > > > see an interesting job advertised today that I've been thinking

>> > > > about, but I sort of feel trapped by the good benefits of my

>> > > > current

>> > > > job and concern about taking a risk and regretting it. Then again,

>> > > > nothing is lost by applying, interviewing, and considering it after

>> > > > I've gained more information, right?

>> > > >

>> > > > Any stories to share about changing jobs with RA?

>> > > >

>> > > > Sierra

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

>> > > >

[Guest guest]

Toni--You make some very valid points here. My dh company is the same way. There are more temps then regulars yet they are so demanding. His company took a health insurance out that basically punishes those who want to work but have issues that require meds that are pricey. How can one help that? The patient still WANTS to work but requires those meds to lead any kind of decent life and function. They dont care tho.....And now adays they can find anyhting and everything out about you thru that medical boro, just like life insurance...etc. Of course they wont tell you that your a risk for them....they know that would hang them....they simply say your not qualified, heck I have even heard of people being rejected cuz they are over qualified. So yes, I can see exactly what your saying. I have told my dh to possibly drive bus or like a transportation kind of job -- it pays squat but if it helps him to at least earn something and ease his pain...who cares. I dont care if we have to let the cars go back...etc That stuff means nothing to me anymore. At this point its 'fend for yourself' cuz no one else will. I just dont understand how some people pull some things off. Seems like we are never lucky enough to get anything.

This subject makes for some good discussion. I like seeing what everyone shares on this. Have a great nite!

(and Joe)

PS: Joe's the one with RA,OA....Im the chatter box on a mission to learn all we can about it.

----- Original Message -----

From: aclavern33@...

Rheumatoid Arthritis

Sent: Monday, November 29, 2004 10:43 AM

Subject: Re: Considering a job change

hello,

Changing jobs in many cases such as mine is one that employers will not go for. They seem to prefer to fire you and get some young person that they can pay less, with less benefits, time in vacation, sick leave and less invested in compnay stock.

I use to work for Dell computer Corporation. This is there policy. I worked in the manufacturing center building and testing computers. I stood for 8-12 hrs a day as we have NO chairs in our work environment. I also have to bend, kneel, lift stretch, turn and twist constantly. Many times I worked 6 to 7 days a week for as long as a month with no day off. I loved my job but once I got sick in became a very stressful and miserible environment. I finally went out on sick leave. After almost two years of the revolving STD and LTD merry go round(short and long term disability) my job fired me. I wanted to stay...begged to stay. But there policy is that if you can no longer do the duties you were hired for then you must either find another job on your own with in the company, leave or they will fire you.

Of course they do not assist in any way with the finding of the job, they also do not allow you transfer out nor do they give you even the slightiest bit of help in trying to get another area interested in you. Actually HR reps called other supervisors and told them how worthless I was to hire a chronicly sick person. So of course I never even got an interview. I even made major suggestions about telecommuting from home so I could work. My vocational rehab counselor even told dell about how they would not be paying my salary for the first 6 months because the program covered the my salary as well as paying for my training and equipment needs. Plus they get some sort of Tax break for putting someone certified disabled back to work. Dell said NO to it all.

Its far cheaper to get rid of the sick, lame and lazy as Dell puts it and hire temporary employees from agency. When I left there were far more temps than there was regular employees. The average age of regular employee was 25 yo. So as we age and get over 30 we become dead weight.

I was on a ton of meds trying to work. Now that I am out on LTD I am on no meds....its not easy but I am far better off. I stopped all meds for financial reasons. COBRA was too expensive on my small LTD check. Hubby has insurance but it does not cover hardly any of the RA meds and those it does are so darn expensive if I bought them I would have no money.

I have looked at other jobs...but in my position If I give up my LTD I will never get it back and I would have to work a year or two years at a good company that offered the benefits before I could get back on if needed. So I am a bit afraid to even try to go back to work for fear of loosing my benefits. I have looked at many jobs and applied for quite a few. so far I have not even gotten a call for an interview. My ideal job would be something like customer service over the telephone which I can telecommute to work from home.

Toni

In a message dated 11/29/2004 9:15:49 AM Central Standard Time, Rheumatoid Arthritis writes:

Date: Mon, 29 Nov 2004 00:27:56 -0000 From: "snowdrift52003" <snowdrift52003@...>Subject: Considering a job changeChanging jobs is definitely more difficult after having settled into a place for 6 years and racked up lots of sick time, vacation days, and caring relationships. With RA, it feels harder to take risks. And yet, I feel drawn to try something else. My job (in social services) is stressful. There are some big challenges ahead, and there's been lots of turnover. I've even heard the executive director talk about leaving. The near future does not look bright at all. I think the stress has a role in my fatigue. I work part-time, but have a lot of responsibility (with more coming); I've been wondering if I found a full-time job with less stress, would there be less fatigue? I did see an interesting job advertised today that I've been thinking about, but I sort of feel trapped by the good benefits of my current job and concern about taking a risk and regretting it. Then again, nothing is lost by applying, interviewing, and considering it after I've gained more information, right?Any stories to share about changing jobs with RA?Sierra

[Guest guest]

Lynn,

If you were supposed to retain your salary, how do they get away with

not paying you?

I know someone else that had Metlife disability and they just cut his

disability without warning while he was in the middle of selling his

house to buy a smaller one. Because of the loss of income, he lost

the house he was going to buy and the worse part is that he already

sold his own home. They used to follow him everywhere and because he

walked his dog, they said he wasn't disabled and that is why they cut

him. When his lawyer got done with them, he got back his full

disability with the promise to never harass him again. It's been a

few years and no problems.

I guess these insurance companies think we have to be bedridden or

confined to a wheelchair in order to be considered disabled. I know

some policies say that if you get SS or other disability, they reduce

the amount of your LT disability. But if it's your only source of

income, I would think you should get what you are entitled to.

a

On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@...> wrote:

>

> Thanks, since the bulk of my disability doesn't come from ss I am waiting to

see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> see what I can find out.

> Thank you,

> Lynn

>

>

>

> dreamer_plus wrote:

>

> > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > If you make more than $780 in any month- they count those months, and you

get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> >

> > - In , k.j.choate@a... wrote:

> > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that helps.

> > >

> > >

> > >

> > > -------------- Original message ----------------------

> > > From: Ruf-Caimi <ruf-caimi@e...>

> > > >

> > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > back to work? Financially I am in not such a good place and I am

considering

> > > > trying to go back to work. Of course

> > > > I will lose my social security benefits, including medical. But it is

getting

> > > > so hard money wise that I have to consider doing this. Has anyone else

given up

> > > > their benefits? If so how did you

> > > > make out trying to work?

> > > > Lynn (MeMom)

> > > >

> > > > k.j.choate@a... wrote:

> > > >

> > > > > Sierra- I work in a social services/legal services program. I think

you owe

> > > > yourself to look into the new position. I think it is important to know

that we

> > > > have options. At least check it out.

> > > > >

> > > > > Hugs,

> > > > > -------------- Original message ----------------------

> > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > >

> > > > > >

> > > > > > Changing jobs is definitely more difficult after having settled into

> > > > > > a place for 6 years and racked up lots of sick time, vacation days,

> > > > > > and caring relationships. With RA, it feels harder to take risks.

And

> > > > > > yet, I feel drawn to try something else. My job (in social services)

> > > > > > is stressful. There are some big challenges ahead, and there's been

> > > > > > lots of turnover. I've even heard the executive director talk about

> > > > > > leaving. The near future does not look bright at all. I think the

> > > > > > stress has a role in my fatigue. I work part-time, but have a lot of

> > > > > > responsibility (with more coming); I've been wondering if I found a

> > > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > > see an interesting job advertised today that I've been thinking

> > > > > > about, but I sort of feel trapped by the good benefits of my current

> > > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > > nothing is lost by applying, interviewing, and considering it after

> > > > > > I've gained more information, right?

> > > > > >

> > > > > > Any stories to share about changing jobs with RA?

> > > > > >

> > > > > > Sierra

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

[Guest guest]

Lynn,

If you were supposed to retain your salary, how do they get away with

not paying you?

I know someone else that had Metlife disability and they just cut his

disability without warning while he was in the middle of selling his

house to buy a smaller one. Because of the loss of income, he lost

the house he was going to buy and the worse part is that he already

sold his own home. They used to follow him everywhere and because he

walked his dog, they said he wasn't disabled and that is why they cut

him. When his lawyer got done with them, he got back his full

disability with the promise to never harass him again. It's been a

few years and no problems.

I guess these insurance companies think we have to be bedridden or

confined to a wheelchair in order to be considered disabled. I know

some policies say that if you get SS or other disability, they reduce

the amount of your LT disability. But if it's your only source of

income, I would think you should get what you are entitled to.

a

On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@...> wrote:

>

> Thanks, since the bulk of my disability doesn't come from ss I am waiting to

see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> see what I can find out.

> Thank you,

> Lynn

>

>

>

> dreamer_plus wrote:

>

> > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > If you make more than $780 in any month- they count those months, and you

get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> >

> > - In , k.j.choate@a... wrote:

> > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that helps.

> > >

> > >

> > >

> > > -------------- Original message ----------------------

> > > From: Ruf-Caimi <ruf-caimi@e...>

> > > >

> > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > back to work? Financially I am in not such a good place and I am

considering

> > > > trying to go back to work. Of course

> > > > I will lose my social security benefits, including medical. But it is

getting

> > > > so hard money wise that I have to consider doing this. Has anyone else

given up

> > > > their benefits? If so how did you

> > > > make out trying to work?

> > > > Lynn (MeMom)

> > > >

> > > > k.j.choate@a... wrote:

> > > >

> > > > > Sierra- I work in a social services/legal services program. I think

you owe

> > > > yourself to look into the new position. I think it is important to know

that we

> > > > have options. At least check it out.

> > > > >

> > > > > Hugs,

> > > > > -------------- Original message ----------------------

> > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > >

> > > > > >

> > > > > > Changing jobs is definitely more difficult after having settled into

> > > > > > a place for 6 years and racked up lots of sick time, vacation days,

> > > > > > and caring relationships. With RA, it feels harder to take risks.

And

> > > > > > yet, I feel drawn to try something else. My job (in social services)

> > > > > > is stressful. There are some big challenges ahead, and there's been

> > > > > > lots of turnover. I've even heard the executive director talk about

> > > > > > leaving. The near future does not look bright at all. I think the

> > > > > > stress has a role in my fatigue. I work part-time, but have a lot of

> > > > > > responsibility (with more coming); I've been wondering if I found a

> > > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > > see an interesting job advertised today that I've been thinking

> > > > > > about, but I sort of feel trapped by the good benefits of my current

> > > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > > nothing is lost by applying, interviewing, and considering it after

> > > > > > I've gained more information, right?

> > > > > >

> > > > > > Any stories to share about changing jobs with RA?

> > > > > >

> > > > > > Sierra

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

> > > > > >

[Guest guest]

a,

What an awful thing to happen to your friend. I thought only worker

compensation would follow you around. I didn't know that long term disability

would do it. Now I am worried because I cut the lawn all summer. When I ask

them why I was not getting my full salary they told me that is the way it is. I

always felt they lied to me. Every year I have to have my doctor fill out

papers that I am disabled. It always makes me mad because my doctor charges

5.00 a page. It is always an

expense. I did call metlife and ask them what there policy of returning to work

was, now I am wondering if they are going to follow me. Glad you told me, I can

be on the look out. If they cut out my income I would go to a lawyer, different

from the one who handled my wc case.

I am just feeling around with this going back to work. Financially it is

very hard right now and I am not sure what to do. Thanks for the notice about

your friend, I will keep it in mind.

Lynn

a wrote:

> Lynn,

> If you were supposed to retain your salary, how do they get away with

> not paying you?

> I know someone else that had Metlife disability and they just cut his

> disability without warning while he was in the middle of selling his

> house to buy a smaller one. Because of the loss of income, he lost

> the house he was going to buy and the worse part is that he already

> sold his own home. They used to follow him everywhere and because he

> walked his dog, they said he wasn't disabled and that is why they cut

> him. When his lawyer got done with them, he got back his full

> disability with the promise to never harass him again. It's been a

> few years and no problems.

> I guess these insurance companies think we have to be bedridden or

> confined to a wheelchair in order to be considered disabled. I know

> some policies say that if you get SS or other disability, they reduce

> the amount of your LT disability. But if it's your only source of

> income, I would think you should get what you are entitled to.

> a

>

> On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@...>

wrote:

> >

> > Thanks, since the bulk of my disability doesn't come from ss I am waiting to

see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> > see what I can find out.

> > Thank you,

> > Lynn

> >

> >

> >

> > dreamer_plus wrote:

> >

> > > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > > If you make more than $780 in any month- they count those months, and you

get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> > >

> > > - In , k.j.choate@a... wrote:

> > > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

helps.

> > > >

> > > >

> > > >

> > > > -------------- Original message ----------------------

> > > > From: Ruf-Caimi <ruf-caimi@e...>

> > > > >

> > > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > > back to work? Financially I am in not such a good place and I am

considering

> > > > > trying to go back to work. Of course

> > > > > I will lose my social security benefits, including medical. But it is

getting

> > > > > so hard money wise that I have to consider doing this. Has anyone

else given up

> > > > > their benefits? If so how did you

> > > > > make out trying to work?

> > > > > Lynn (MeMom)

> > > > >

> > > > > k.j.choate@a... wrote:

> > > > >

> > > > > > Sierra- I work in a social services/legal services program. I think

you owe

> > > > > yourself to look into the new position. I think it is important to

know that we

> > > > > have options. At least check it out.

> > > > > >

> > > > > > Hugs,

> > > > > > -------------- Original message ----------------------

> > > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > > >

> > > > > > >

> > > > > > > Changing jobs is definitely more difficult after having settled

into

> > > > > > > a place for 6 years and racked up lots of sick time, vacation

days,

> > > > > > > and caring relationships. With RA, it feels harder to take risks.

And

> > > > > > > yet, I feel drawn to try something else. My job (in social

services)

> > > > > > > is stressful. There are some big challenges ahead, and there's

been

> > > > > > > lots of turnover. I've even heard the executive director talk

about

> > > > > > > leaving. The near future does not look bright at all. I think the

> > > > > > > stress has a role in my fatigue. I work part-time, but have a lot

of

> > > > > > > responsibility (with more coming); I've been wondering if I found

a

> > > > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > > > see an interesting job advertised today that I've been thinking

> > > > > > > about, but I sort of feel trapped by the good benefits of my

current

> > > > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > > > nothing is lost by applying, interviewing, and considering it

after

> > > > > > > I've gained more information, right?

> > > > > > >

> > > > > > > Any stories to share about changing jobs with RA?

> > > > > > >

> > > > > > > Sierra

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

[Guest guest]

a,

What an awful thing to happen to your friend. I thought only worker

compensation would follow you around. I didn't know that long term disability

would do it. Now I am worried because I cut the lawn all summer. When I ask

them why I was not getting my full salary they told me that is the way it is. I

always felt they lied to me. Every year I have to have my doctor fill out

papers that I am disabled. It always makes me mad because my doctor charges

5.00 a page. It is always an

expense. I did call metlife and ask them what there policy of returning to work

was, now I am wondering if they are going to follow me. Glad you told me, I can

be on the look out. If they cut out my income I would go to a lawyer, different

from the one who handled my wc case.

I am just feeling around with this going back to work. Financially it is

very hard right now and I am not sure what to do. Thanks for the notice about

your friend, I will keep it in mind.

Lynn

a wrote:

> Lynn,

> If you were supposed to retain your salary, how do they get away with

> not paying you?

> I know someone else that had Metlife disability and they just cut his

> disability without warning while he was in the middle of selling his

> house to buy a smaller one. Because of the loss of income, he lost

> the house he was going to buy and the worse part is that he already

> sold his own home. They used to follow him everywhere and because he

> walked his dog, they said he wasn't disabled and that is why they cut

> him. When his lawyer got done with them, he got back his full

> disability with the promise to never harass him again. It's been a

> few years and no problems.

> I guess these insurance companies think we have to be bedridden or

> confined to a wheelchair in order to be considered disabled. I know

> some policies say that if you get SS or other disability, they reduce

> the amount of your LT disability. But if it's your only source of

> income, I would think you should get what you are entitled to.

> a

>

> On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@...>

wrote:

> >

> > Thanks, since the bulk of my disability doesn't come from ss I am waiting to

see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> > see what I can find out.

> > Thank you,

> > Lynn

> >

> >

> >

> > dreamer_plus wrote:

> >

> > > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > > If you make more than $780 in any month- they count those months, and you

get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> > >

> > > - In , k.j.choate@a... wrote:

> > > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

helps.

> > > >

> > > >

> > > >

> > > > -------------- Original message ----------------------

> > > > From: Ruf-Caimi <ruf-caimi@e...>

> > > > >

> > > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > > back to work? Financially I am in not such a good place and I am

considering

> > > > > trying to go back to work. Of course

> > > > > I will lose my social security benefits, including medical. But it is

getting

> > > > > so hard money wise that I have to consider doing this. Has anyone

else given up

> > > > > their benefits? If so how did you

> > > > > make out trying to work?

> > > > > Lynn (MeMom)

> > > > >

> > > > > k.j.choate@a... wrote:

> > > > >

> > > > > > Sierra- I work in a social services/legal services program. I think

you owe

> > > > > yourself to look into the new position. I think it is important to

know that we

> > > > > have options. At least check it out.

> > > > > >

> > > > > > Hugs,

> > > > > > -------------- Original message ----------------------

> > > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > > >

> > > > > > >

> > > > > > > Changing jobs is definitely more difficult after having settled

into

> > > > > > > a place for 6 years and racked up lots of sick time, vacation

days,

> > > > > > > and caring relationships. With RA, it feels harder to take risks.

And

> > > > > > > yet, I feel drawn to try something else. My job (in social

services)

> > > > > > > is stressful. There are some big challenges ahead, and there's

been

> > > > > > > lots of turnover. I've even heard the executive director talk

about

> > > > > > > leaving. The near future does not look bright at all. I think the

> > > > > > > stress has a role in my fatigue. I work part-time, but have a lot

of

> > > > > > > responsibility (with more coming); I've been wondering if I found

a

> > > > > > > full-time job with less stress, would there be less fatigue? I did

> > > > > > > see an interesting job advertised today that I've been thinking

> > > > > > > about, but I sort of feel trapped by the good benefits of my

current

> > > > > > > job and concern about taking a risk and regretting it. Then again,

> > > > > > > nothing is lost by applying, interviewing, and considering it

after

> > > > > > > I've gained more information, right?

> > > > > > >

> > > > > > > Any stories to share about changing jobs with RA?

> > > > > > >

> > > > > > > Sierra

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

> > > > > > >

[Guest guest]

I had this happen to me but at the time I was on workers compensation. They

followed me for years. They would sit outside my house and watch me. My

neighbors would complain but as soon as they would call the police, the people

watching would leave. By the time the police got here they were gone. I guess

they had some kind of scanner in their van. It is a violation of people's

privacy.

Lynn

dreamer_plus wrote:

> I caught my job taking photos of me via telephoto lens from across the street

when I tore my rotator cuff at work--- good thing was, I was not doing anything

and my kids were opening and closing the car doors for me. I felt sort of

violated. They also followed me to the beach on 4th of July, but again, I

carried nothing and did not swim or anything, whew. (I truly couldn't even if I

wanted to) ALl I did was sit in a chair. Some of those companies are VERY

rigid and strict.

> That really stinks about that mans house etc. Wow.

>

> - In , a <papola@g...> wrote:

> > Lynn,

> > If you were supposed to retain your salary, how do they get away with

> > not paying you?

> > I know someone else that had Metlife disability and they just cut his

> > disability without warning while he was in the middle of selling his

> > house to buy a smaller one. Because of the loss of income, he lost

> > the house he was going to buy and the worse part is that he already

> > sold his own home. They used to follow him everywhere and because he

> > walked his dog, they said he wasn't disabled and that is why they cut

> > him. When his lawyer got done with them, he got back his full

> > disability with the promise to never harass him again. It's been a

> > few years and no problems.

> > I guess these insurance companies think we have to be bedridden or

> > confined to a wheelchair in order to be considered disabled. I know

> > some policies say that if you get SS or other disability, they reduce

> > the amount of your LT disability. But if it's your only source of

> > income, I would think you should get what you are entitled to.

> > a

> >

> >

> >

> > On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@e...> wrote:

> > >

> > > Thanks, since the bulk of my disability doesn't come from ss I am waiting

to see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> > > see what I can find out.

> > > Thank you,

> > > Lynn

> > >

> > >

> > >

> > > dreamer_plus wrote:

> > >

> > > > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > > > If you make more than $780 in any month- they count those months, and

you get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > > > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> > > >

> > > > - In , k.j.choate@a... wrote:

> > > > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

helps.

> > > > >

> > > > >

> > > > >

> > > > > -------------- Original message ----------------------

> > > > > From: Ruf-Caimi <ruf-caimi@e...>

> > > > > >

> > > > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > > > back to work? Financially I am in not such a good place and I am

considering

> > > > > > trying to go back to work. Of course

> > > > > > I will lose my social security benefits, including medical. But it

is getting

> > > > > > so hard money wise that I have to consider doing this. Has anyone

else given up

> > > > > > their benefits? If so how did you

> > > > > > make out trying to work?

> > > > > > Lynn (MeMom)

> > > > > >

> > > > > > k.j.choate@a... wrote:

> > > > > >

> > > > > > > Sierra- I work in a social services/legal services program. I

think you owe

> > > > > > yourself to look into the new position. I think it is important to

know that we

> > > > > > have options. At least check it out.

> > > > > > >

> > > > > > > Hugs,

> > > > > > > -------------- Original message ----------------------

> > > > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > > > >

> > > > > > > >

> > > > > > > > Changing jobs is definitely more difficult after having settled

into

> > > > > > > > a place for 6 years and racked up lots of sick time, vacation

days,

> > > > > > > > and caring relationships. With RA, it feels harder to take

risks. And

> > > > > > > > yet, I feel drawn to try something else. My job (in social

services)

> > > > > > > > is stressful. There are some big challenges ahead, and there's

been

> > > > > > > > lots of turnover. I've even heard the executive director talk

about

> > > > > > > > leaving. The near future does not look bright at all. I think

the

> > > > > > > > stress has a role in my fatigue. I work part-time, but have a

lot of

> > > > > > > > responsibility (with more coming); I've been wondering if I

found a

> > > > > > > > full-time job with less stress, would there be less fatigue? I

did

> > > > > > > > see an interesting job advertised today that I've been thinking

> > > > > > > > about, but I sort of feel trapped by the good benefits of my

current

> > > > > > > > job and concern about taking a risk and regretting it. Then

again,

> > > > > > > > nothing is lost by applying, interviewing, and considering it

after

> > > > > > > > I've gained more information, right?

> > > > > > > >

> > > > > > > > Any stories to share about changing jobs with RA?

> > > > > > > >

> > > > > > > > Sierra

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

[Guest guest]

I had this happen to me but at the time I was on workers compensation. They

followed me for years. They would sit outside my house and watch me. My

neighbors would complain but as soon as they would call the police, the people

watching would leave. By the time the police got here they were gone. I guess

they had some kind of scanner in their van. It is a violation of people's

privacy.

Lynn

dreamer_plus wrote:

> I caught my job taking photos of me via telephoto lens from across the street

when I tore my rotator cuff at work--- good thing was, I was not doing anything

and my kids were opening and closing the car doors for me. I felt sort of

violated. They also followed me to the beach on 4th of July, but again, I

carried nothing and did not swim or anything, whew. (I truly couldn't even if I

wanted to) ALl I did was sit in a chair. Some of those companies are VERY

rigid and strict.

> That really stinks about that mans house etc. Wow.

>

> - In , a <papola@g...> wrote:

> > Lynn,

> > If you were supposed to retain your salary, how do they get away with

> > not paying you?

> > I know someone else that had Metlife disability and they just cut his

> > disability without warning while he was in the middle of selling his

> > house to buy a smaller one. Because of the loss of income, he lost

> > the house he was going to buy and the worse part is that he already

> > sold his own home. They used to follow him everywhere and because he

> > walked his dog, they said he wasn't disabled and that is why they cut

> > him. When his lawyer got done with them, he got back his full

> > disability with the promise to never harass him again. It's been a

> > few years and no problems.

> > I guess these insurance companies think we have to be bedridden or

> > confined to a wheelchair in order to be considered disabled. I know

> > some policies say that if you get SS or other disability, they reduce

> > the amount of your LT disability. But if it's your only source of

> > income, I would think you should get what you are entitled to.

> > a

> >

> >

> >

> > On Mon, 29 Nov 2004 15:18:12 -0500, Ruf-Caimi <ruf-caimi@e...> wrote:

> > >

> > > Thanks, since the bulk of my disability doesn't come from ss I am waiting

to see what Metlife says. I think any money I earn if they even allow it, they

will take out of my check. I know they make sure I only have so much money

coming in a month. I was suppose to retain my salary but it didn't work out

that way. When I complained that just said that was the way it was and that was

the money I was getting. I will let you know what I find out. Right now I will

go to ss web site and

> > > see what I can find out.

> > > Thank you,

> > > Lynn

> > >

> > >

> > >

> > > dreamer_plus wrote:

> > >

> > > > did you know you can also work and continue to keep your social security

disability so long as you earn less than $780 a month?

> > > > If you make more than $780 in any month- they count those months, and

you get I think 9 of those months where you earn more than $780 and then you can

lose your social security. Bummer is those months do not have to be

consecutive. My husband delivers newspapers and he has to be very careful to

never run any routes for sick co deliverers, no matter how " good " he feels,

becuz he already has 6 months in of trial work.

> > > > There are pamplhlets at social security and on their website that can

explain this better. But I know you can work so long as you make less than $780

(and that is GROSS, not NET so watch carefully) and still retain full disability

benefits.

> > > >

> > > > - In , k.j.choate@a... wrote:

> > > > > You won't be giving up the benefits - if social security disability-

completely. There is an allowable " window " in which you can attempt to work - to

see if you can. Social Security Disability put that window in to encourage

people to work. I think it is a nine month trial period. Should check with

Social Security people. Also many states have a rehabilitative service- which

allows for retraining and I think it allows for some type of state medical

insurance during the retraining.

> > > > > In Michigan it is Michigan Rehabilitative Services (MRS). Hope that

helps.

> > > > >

> > > > >

> > > > >

> > > > > -------------- Original message ----------------------

> > > > > From: Ruf-Caimi <ruf-caimi@e...>

> > > > > >

> > > > > > I was just wondering if anyone has given up disability insurance and

tried to go

> > > > > > back to work? Financially I am in not such a good place and I am

considering

> > > > > > trying to go back to work. Of course

> > > > > > I will lose my social security benefits, including medical. But it

is getting

> > > > > > so hard money wise that I have to consider doing this. Has anyone

else given up

> > > > > > their benefits? If so how did you

> > > > > > make out trying to work?

> > > > > > Lynn (MeMom)

> > > > > >

> > > > > > k.j.choate@a... wrote:

> > > > > >

> > > > > > > Sierra- I work in a social services/legal services program. I

think you owe

> > > > > > yourself to look into the new position. I think it is important to

know that we

> > > > > > have options. At least check it out.

> > > > > > >

> > > > > > > Hugs,

> > > > > > > -------------- Original message ----------------------

> > > > > > > From: " snowdrift52003 " <snowdrift52003@y...>

> > > > > > > >

> > > > > > > >

> > > > > > > > Changing jobs is definitely more difficult after having settled

into

> > > > > > > > a place for 6 years and racked up lots of sick time, vacation

days,

> > > > > > > > and caring relationships. With RA, it feels harder to take

risks. And

> > > > > > > > yet, I feel drawn to try something else. My job (in social

services)

> > > > > > > > is stressful. There are some big challenges ahead, and there's

been

> > > > > > > > lots of turnover. I've even heard the executive director talk

about

> > > > > > > > leaving. The near future does not look bright at all. I think

the

> > > > > > > > stress has a role in my fatigue. I work part-time, but have a

lot of

> > > > > > > > responsibility (with more coming); I've been wondering if I

found a

> > > > > > > > full-time job with less stress, would there be less fatigue? I

did

> > > > > > > > see an interesting job advertised today that I've been thinking

> > > > > > > > about, but I sort of feel trapped by the good benefits of my

current

> > > > > > > > job and concern about taking a risk and regretting it. Then

again,

> > > > > > > > nothing is lost by applying, interviewing, and considering it

after

> > > > > > > > I've gained more information, right?

> > > > > > > >

> > > > > > > > Any stories to share about changing jobs with RA?

> > > > > > > >

> > > > > > > > Sierra

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

> > > > > > > >

[Guest guest]

Well in my dh situation it is not so they dont have to 'lay off' their own

employees...they just drastically downsized by HUNDREDS of jobs and guess

who they brought in...temps. So I disagree with that part knowing what my

dh and other employees have gone thru in recent months. All the work is

going over seas. Now they need work done, got rid of alot of their people,

and now they need the help. Its a sitaution and a half. But them hiring

temps to avoid layoffs of the regualrs is not the case here.

Health insurance wise....I understand they cant suck up the high cost but

neither can the employee. When you see the ways they 'waste' money its no

wonder. What I am saying is some people are lucky enough to get help,

others are not. That happens to be us. And for the record...we are not

wealthy. Its the class who just 'misses' everything. I wont get on that

topic cuz its a sore spot with alot of us Im sure.

I only suggested about a possible bus driver position or something to that

effect trying to help him. I am not sure what he can do.

Its plain and simple what will happen to him if he doesnt get his meds.....a

faster road to joint destruction. To me, thats sad when the guy has worked

all his life and is not lazy by any means. He certainly can not help his

diagnosis.

What I said was I can see exactly what Toni was saying. Did you see what

her employer did to her. I have a client who is also a HR rep and she has

explained in detail what they are required to do to accomodate your

disabiity and what they dont have to do. The loop holes are there. And to

be frank.....they will just lay you off w/o recall or fire you as Toni said.

Its happened at my dh work....and then they brought in mnay temps. Now the

temps outnumber the regulars and they seem content with that. I guess you

have to know the company and whats going on to understand whats up. At one

time my dh comapny was the biggest employer in the county. They employed

about 1200 people!! Downsized now to about 200 and the rest are temps.

These are of course my thoughts on the subject.

----- Original Message -----

From: " oregonbeth " <broot@...>

<Rheumatoid Arthritis >

Sent: Monday, November 29, 2004 10:27 PM

Subject: Re: Considering a job change

>

>

> Hi -

>

> I've added some thoughts and information into your post - it seemed

> to be easier than writing it separately.

>

> Beth

>

>

>> Toni--You make some very valid points here. My dh company is the

> same way. There are more temps then regulars yet they are so

> demanding.

>

> A LOT OF COMPANIES USE TEMPS SO THEY DON'T HAVE TO LAY OFF THEIR OWN

> EMPLOYEES WHEN THINGS GET SLOW. TEMPS AREN'T CHEAP, SO IT ISN'T

> ALWAYS DONE JUST TO SAVE COSTS.

>

> His company took a health insurance out that basically punishes

> those who want to work but have issues that require meds that are

> pricey. How can one help that? The patient still WANTS to work but

> requires those meds to lead any kind of decent life and function.

>

> PRESCRIPTION DRUGS ARE THE FASTEST GROWING COST AREA AND HAVE BEEN

> FOR SEVERAL YEARS. THE ONLY WAY MOST EMPLOYERS CAN AFFORD TO OFFER

> ANY HEALTH INSURANCE ANY MORE IS TO SHARE MORE OF THE COSTS WITH THE

> PATIENTS. THE OTHER OPTION IS TO NOT OFFER ANY BENEFITS AT ALL -

> AND WITHOUT INSURANCE YOUR DRUGS WILL COST EVEN MORE.

>

> They dont care tho.....And now adays they can find anyhting and

> everything out about you thru that medical boro, just like life

> insurance...etc. Of course they wont tell you that your a risk for

> them....they know that would hang them....

>

> NO ONE CAN CHECK YOUR RECORD AT THE MEDICAL BUREAU WITHOUT YOU

> SIGNING A RELEASE AUTHORIZING IT. THEY ALSO CAN'T ASK YOUR

> INSURANCE COMPANY FOR ANY INFORMATION ABOUT YOU INDIVIDUALLY,

> INCLUDING DIAGNOSIS OR HOW MUCH YOUR CLAIMS HAVE BEEN. IF THEY ARE

> GETTING THAT INFORMATION, IT'S A VIOLATION OF THE HIPAA PRIVACY LAWS

> AND YOU MAY HAVE A LEGAL CASE AGAINST THEM.

>

> they simply say your not qualified, heck I have even heard of people

> being rejected cuz they are over qualified.

>

> I'VE WORKED IN HR FOR OVER 18 YEARS, AND CAN TELL YOU THAT A LOT OF

> PEOPLE ARE REJECTED FOR JOBS FOR BEING OVER QUALIFIED. FROM THE

> EMPLOYER'S POINT OF VIEW, THEY WANT TO HIRE SOMEONE WHO CAN DO THE

> JOB AND WILL BE HAPPY WITH IT AND STAY FOR A LONG TIME. IF SOMEONE

> IS OVERQUALIFIED THEY OFTEN GET BORED AND MOVE ON QUICKLY - AND THE

> EMPLOYER HAS TO RECRUIT AND TRAIN SOMEONE NEW.

>

> So yes, I can see exactly what your saying. I have told my dh to

> possibly drive bus or like a transportation kind of job -- it pays

> squat but if it helps him to at least earn something and ease his

> pain...who cares.

>

> WITH RA A DRIVING JOB PROBABLY ISN'T A GOOD IDEA - ESPECIALLY IF HIS

> HANDS ARE AFFECTED BY THE RA. I'VE FOUND THAT I CAN NO LONGER DRIVE

> FOR MORE THAN 1/2 HOUR AT A TIME BECAUSE MY HANDS FREEZE UP AND GET

> REALLY PAINFUL.

>

> I dont care if we have to let the cars go back...etc That stuff

> means nothing to me anymore. At this point its 'fend for yourself'

> cuz no one else will. I just dont understand how some people pull

> some things off. Seems like we are never lucky enough to get

> anything.

>

> IN MANY WAYS WE ALL HAVE TO FEND FOR OURSELVES. AT LEAST WE HAVE

> EACH OTHER HERE TO PROVIDE ENCOURAGEMENT AND SUPPORT.

>>

>> This subject makes for some good discussion. I like seeing what

> everyone shares on this. Have a great nite!

>> (and Joe)

>> PS: Joe's the one with RA,OA....Im the chatter box on a mission

> to learn all we can about it.

>> ----- Original Message -----

>> From: aclavern33@a...

>> Rheumatoid Arthritis

>> Sent: Monday, November 29, 2004 10:43 AM

>> Subject: Re: Considering a job change

>>

>>

>> hello,

>> Changing jobs in many cases such as mine is one that employers

> will not go for. They seem to prefer to fire you and get some young

> person that they can pay less, with less benefits, time in vacation,

> sick leave and less invested in compnay stock.

>>

>> I use to work for Dell computer Corporation. This is there

> policy. I worked in the manufacturing center building and testing

> computers. I stood for 8-12 hrs a day as we have NO chairs in our

> work environment. I also have to bend, kneel, lift stretch, turn

> and twist constantly. Many times I worked 6 to 7 days a week for as

> long as a month with no day off. I loved my job but once I got sick

> in became a very stressful and miserible environment. I finally

> went out on sick leave. After almost two years of the revolving STD

> and LTD merry go round(short and long term disability) my job fired

> me. I wanted to stay...begged to stay. But there policy is that if

> you can no longer do the duties you were hired for then you must

> either find another job on your own with in the company, leave or

> they will fire you.

>>

>> Of course they do not assist in any way with the finding of the

> job, they also do not allow you transfer out nor do they give you

> even the slightiest bit of help in trying to get another area

> interested in you. Actually HR reps called other supervisors and

> told them how worthless I was to hire a chronicly sick person. So

> of course I never even got an interview. I even made major

> suggestions about telecommuting from home so I could work. My

> vocational rehab counselor even told dell about how they would not

> be paying my salary for the first 6 months because the program

> covered the my salary as well as paying for my training and

> equipment needs. Plus they get some sort of Tax break for putting

> someone certified disabled back to work. Dell said NO to it all.

>>

>> Its far cheaper to get rid of the sick, lame and lazy as Dell

> puts it and hire temporary employees from agency. When I left there

> were far more temps than there was regular employees. The average

> age of regular employee was 25 yo. So as we age and get over 30 we

> become dead weight.

>>

>> I was on a ton of meds trying to work. Now that I am out on LTD

> I am on no meds....its not easy but I am far better off. I stopped

> all meds for financial reasons. COBRA was too expensive on my small

> LTD check. Hubby has insurance but it does not cover hardly any of

> the RA meds and those it does are so darn expensive if I bought them

> I would have no money.

>>

>> I have looked at other jobs...but in my position If I give up my

> LTD I will never get it back and I would have to work a year or two

> years at a good company that offered the benefits before I could get

> back on if needed. So I am a bit afraid to even try to go back to

> work for fear of loosing my benefits. I have looked at many jobs

> and applied for quite a few. so far I have not even gotten a call

> for an interview. My ideal job would be something like customer

> service over the telephone which I can telecommute to work from

> home.

>>

>> Toni

>>

>> In a message dated 11/29/2004 9:15:49 AM Central Standard Time,

> Rheumatoid Arthritis writes:

>> Date: Mon, 29 Nov 2004 00:27:56 -0000

>> From: " snowdrift52003 " <snowdrift52003@y...>

>> Subject: Considering a job change

>>

>>

>> Changing jobs is definitely more difficult after having

> settled into

>> a place for 6 years and racked up lots of sick time, vacation

> days,

>> and caring relationships. With RA, it feels harder to take

> risks. And

>> yet, I feel drawn to try something else. My job (in social

> services)

>> is stressful. There are some big challenges ahead, and there's

> been

>> lots of turnover. I've even heard the executive director talk

> about

>> leaving. The near future does not look bright at all. I think

> the

>> stress has a role in my fatigue. I work part-time, but have a

> lot of

>> responsibility (with more coming); I've been wondering if I

> found a

>> full-time job with less stress, would there be less fatigue? I

> did

>> see an interesting job advertised today that I've been

> thinking

>> about, but I sort of feel trapped by the good benefits of my

> current

>> job and concern about taking a risk and regretting it. Then

> again,

>> nothing is lost by applying, interviewing, and considering it

> after

>> I've gained more information, right?

>>

>> Any stories to share about changing jobs with RA?

>>

>> Sierra

>>

>>

>>

>>

[Guest guest]

Well, Lynn, I guess most anybody could work if they had an easy job

like that, sitting in a car and spying on people, LOL. But most of us

have too much integrity to stoop that low. Sue

On Tuesday, November 30, 2004, at 12:29 PM, Ruf-Caimi wrote:

>

> I had this happen to me but at the time I was on workers compensation.

> They followed me for years. They would sit outside my house and

> watch me. My neighbors would complain but as soon as they would call

> the police, the people watching would leave. By the time the police

> got here they were gone. I guess they had some kind of scanner in

> their van. It is a violation of people's privacy.

[Guest guest]

Well, Lynn, I guess most anybody could work if they had an easy job

like that, sitting in a car and spying on people, LOL. But most of us

have too much integrity to stoop that low. Sue

On Tuesday, November 30, 2004, at 12:29 PM, Ruf-Caimi wrote:

>

> I had this happen to me but at the time I was on workers compensation.

> They followed me for years. They would sit outside my house and

> watch me. My neighbors would complain but as soon as they would call

> the police, the people watching would leave. By the time the police

> got here they were gone. I guess they had some kind of scanner in

> their van. It is a violation of people's privacy.

[Guest guest]

Sue,

I lived that nightmare for over nine years. It was terrible and so

stressful. I thought it was all behind me. That is a job I could never do.

Lynn

Sue wrote:

> Well, Lynn, I guess most anybody could work if they had an easy job

> like that, sitting in a car and spying on people, LOL. But most of us

> have too much integrity to stoop that low. Sue

>

> On Tuesday, November 30, 2004, at 12:29 PM, Ruf-Caimi wrote:

> >

> > I had this happen to me but at the time I was on workers compensation.

> > They followed me for years. They would sit outside my house and

> > watch me. My neighbors would complain but as soon as they would call

> > the police, the people watching would leave. By the time the police

> > got here they were gone. I guess they had some kind of scanner in

> > their van. It is a violation of people's privacy.

>

>

>

[Guest guest]

Sue,

I lived that nightmare for over nine years. It was terrible and so

stressful. I thought it was all behind me. That is a job I could never do.

Lynn

Sue wrote:

> Well, Lynn, I guess most anybody could work if they had an easy job

> like that, sitting in a car and spying on people, LOL. But most of us

> have too much integrity to stoop that low. Sue

>

> On Tuesday, November 30, 2004, at 12:29 PM, Ruf-Caimi wrote:

> >

> > I had this happen to me but at the time I was on workers compensation.

> > They followed me for years. They would sit outside my house and

> > watch me. My neighbors would complain but as soon as they would call

> > the police, the people watching would leave. By the time the police

> > got here they were gone. I guess they had some kind of scanner in

> > their van. It is a violation of people's privacy.

>

>

>