Hey and Anyone else who can help - Private Disability Insurance

[Guest guest]

Hi , And whoever else can help,

I have UIP and it first showed up on a CAT scan 10/08 and I just had a VATS

biopsy 3 weeks ago and it was confirmed. I am still in some pain and it gets

worse if a move around too much, - I guess the insides are still healing. I am

also going to try and get Long Term Disability through my job (I have the same

insurance where you get 60% of pay through Met Life). I get out of breath,

extremely tired all the time, chest pain (even before VATS) and find it hard too

concentrate. My PFT scores are somewhat good and I dont need 02 yet. But I

dont want to waste what ever time I have left at a job I hate. People look at

me and because I am only 43 (only - I wish I was 18 again) and dont look older

and sickly that there is nothing wrong with me. " You look fine " , " Its in your

head " , and " stop being a hypocondriac " . I should carry around my Biopsy results

and a detailed definition of the disease.

I know the government S.S. disability insurance has so many different criteria

to qualify, ie. certain PFT score, ect. But my private insurance through Met

Life simply reads that if you cannot function at you job at the same level you

did in the past that you can qualify. Did you speak with you private disabily

insurance company yet? What did they say? I have to be on short term disabilty

for 13 weeks before I can apply for long term disability. What happens if I go

out on the short term for 13 weeks and then get denied for the long term? And my

employer is cutting back. If I get laid off (which is a very real possibility -

they already laid off half the department and we are expecting more layoffs) and

have to get a new job I wont be able to get private disability insurance because

I have a pre-existing illness. I could not survive and government disability

income alone, and at my age I have not saved for that " what if in life " ..... Did

not expect to get a terminal illness at this age.

What kind of hurdles have any of you encountered with PRIVATE disability

isurance?

Any Thoughts out there, Thanks Dave, Miami, UIP 11/09

>

>

> >From: worth <hope2thend (AT) yahoo (DOT) com>

> >Subject: Re: Newby

> >To: Breathe-Support@ yahoogroups. com

> >Date: Friday, November 20, 2009, 5:46 PM

> >

> >

> > 

> >Hi Gale,

> > 

> >What you are experiencing is perfectly normal. I have had many crying spells

from time-to-time.  Diagnosis and living with a chronic (and fatal)

condition is a huge stress.  You are going through a major change in your

body, mind and daily life. Having a chronic condition can drain your energy. No

matter what disease or diseases you have, whatever you do demands more energy.

When a chronic illness is present, the body is less efficient in its use of the

energy reserved for every day activities. This is because some of your energy is

used to help the body heal itself.

> >I was diagnosed with IPF in May 09 and just this week applied for (part-time)

disability from work, just can't handle the stress and energy it takes anymore.

> >Hang in there, you're not alone! C_53_Familial IPF_5/09

> >Washington

> >

> >

> >

> >

> >

> >

> ________________________________

> From: Gale More <gale.more (AT) yahoo (DOT) com>

> >To: Breathe-Support@ yahoogroups. com

> >Sent: Sat, November 7, 2009 3:57:01 PM

> >Subject: Newby

> >

> > 

> >Hi all,

> >

> >I was diagnosed with PF last year and I have more trouble coping with stress

now (of any kind).  I cry easily and become stressed quikly, particularly at

work.  Does this have a physical root or merely emotional?

> >

> >

> >

> >

>