Posted by Katia on May 9, 2003, at 13:29:45
In reply to Re: How do you work, keep a job, with Depression? » Katia, posted by fallsfall on May 8, 2003, at 23:03:36
Thanks for the info. I doubt I'd get very much as I've never made very much (I'm 32). I was also out of the country for a few years and i'venever made more than$30K and that was one top year! The other thing is I couldn't live off of 60% of my salary/wages; I barely exist now. I could try...... The other thing is I am part-time in grad school and it's my third year and I've one more togo and I'd be afraid to stop that as it gives me so much strength and support. (I'm in a psych program). If I applied I'd probably have to quit that. The main thing for me is I don't want to drop out of everything/totally; that would actually make me worse. I just need a little support as I can't keep up with fulltime work. and this system in America doesn't let you help yourself. You have to be completely out of work and making zilch (sp?).
I'm sorry to be so negative, but I am extremely frustrated with this system in America in all walks. I'm trying get insurance to have my pdoc visits covered and meds and basically theinsurance company will ALLOW me to give them about $80 per month with a 2K deductible. 20 Mental illness visits are allowed; BUT I have to first pay for anything up to 2K before they pay out anything. In the meanwhile still giving the ***tards $80 per month. The catch is, they only allow 20 visits and the visits which are paid for out of pocket going toward the dedt. are included in that. You do the math. By the time I meet the deductible, I'd have had 20 visits! Most pdoc charge $250 per visit! This is what I mean when I say I am frustrated with this system in all walks!
katia
thanks.
katia
> When I was out for 4 years, I was on Long Term Disability for the first 2 (they limit mental illness coverage - Arg!). LDT paid me 60% of my salary. I qualified for SSDI (Social Security Disability Insurance). It won't pay for the first 5 months, and will only cover you if you are/will be out for more than 12 months. It can take them a long time to approve you (then they pay retroactively). SSDI didn't pay nearly as much as LTD - it is figured on some formula that takes into account how much you have paid into the Social Security system, so each person is different.
>
> If you (or anyone else) ever has an option to sign up for Long Term Disability, I recommend that you do! That is how you manage during the time that Social Security is trying to decide if they will pay your claim.
>
> None of this is fun or easy. I didn't have a choice.
poster:Katia
thread:225111
URL: http://www.dr-bob.org/babble/20030505/msgs/225416.html