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Dr. Bob is Robert Hsiung, MD,
bob@dr-bob.orgShown: posts 1 to 11 of 11. This is the beginning of the thread.
Posted by JonW on March 27, 2002, at 9:59:35
Hi...
My short-term disabilty is about to expire, and I just got a call from my long-term carrier. They said that because I have a pre-existing illness, my benefits are denied! I cannot afford my current doctor without a paycheck. Has anyone been in a similar situation? Is there anything I can do???
Being shit on,
Jon :(
Posted by JohnX2 on March 27, 2002, at 20:11:11
In reply to DISABILITY HELP!, posted by JonW on March 27, 2002, at 9:59:35
Hi Jon,This is my current condition,
My short term carrier (my company) carriers me for 1 month. My long term carrier (an insurance underwriter) agrees to carry me for upto 6 months after that pending an analysis of my case. They reviewed my doctor's notes and were "glad"
to inform me that they approved long-term coverage and believed that I ought to be able to return to work on a date that was "2 days" after the date that my short term carrier's coverage let up! What bullshit. (I'm still fighting this).I see your dilemma. I have the fortunate that my doctor charges 300 dollars an hour to patients with insurance and 70 dollars an hour to patients withouu coverage. But I am still out my paycheck which is a shit load of money compared to my doctors bill.
So what to do? I think by default the insurance company will push back on any claim.
This is my first time on medical disability for mental health leave, is it for you?
Sorry.
John
> Hi...
>
> My short-term disabilty is about to expire, and I just got a call from my long-term carrier. They said that because I have a pre-existing illness, my benefits are denied! I cannot afford my current doctor without a paycheck. Has anyone been in a similar situation? Is there anything I can do???
>
> Being shit on,
> Jon :(
Posted by JohnX2 on March 27, 2002, at 20:40:47
In reply to Re: DISABILITY HELP! » JonW, posted by JohnX2 on March 27, 2002, at 20:11:11
An in-law is a lawyer who has worked on both sides of the disability fence for disability claim. I may be able to use her as a resource.John
>
> Hi Jon,
>
> This is my current condition,
> My short term carrier (my company) carriers me for 1 month. My long term carrier (an insurance underwriter) agrees to carry me for upto 6 months after that pending an analysis of my case. They reviewed my doctor's notes and were "glad"
> to inform me that they approved long-term coverage and believed that I ought to be able to return to work on a date that was "2 days" after the date that my short term carrier's coverage let up! What bullshit. (I'm still fighting this).
>
> I see your dilemma. I have the fortunate that my doctor charges 300 dollars an hour to patients with insurance and 70 dollars an hour to patients withouu coverage. But I am still out my paycheck which is a shit load of money compared to my doctors bill.
>
> So what to do? I think by default the insurance company will push back on any claim.
>
> This is my first time on medical disability for mental health leave, is it for you?
>
> Sorry.
>
> John
>
> > Hi...
> >
> > My short-term disabilty is about to expire, and I just got a call from my long-term carrier. They said that because I have a pre-existing illness, my benefits are denied! I cannot afford my current doctor without a paycheck. Has anyone been in a similar situation? Is there anything I can do???
> >
> > Being shit on,
> > Jon :(
Posted by JohnX2 on March 27, 2002, at 23:04:54
In reply to DISABILITY HELP!, posted by JonW on March 27, 2002, at 9:59:35
Are they saying you were able to work while having the illness? (thus the denial).Or do they only allow a disability claim on the illness for a certain amount of time? (.i.e you claimed it before and can't do it again??)
What does your psychiatrist say? My psychiatrist helped handled a lot of the paperwork and BS from the insurance company with me (since he would get payed more I guess).
Thanks for the answers, I may run into this myself.
John
> Hi...
>
> My short-term disabilty is about to expire, and I just got a call from my long-term carrier. They said that because I have a pre-existing illness, my benefits are denied! I cannot afford my current doctor without a paycheck. Has anyone been in a similar situation? Is there anything I can do???
>
> Being shit on,
> Jon :(
Posted by Janelle on March 28, 2002, at 1:14:25
In reply to Re: DISABILITY HELP! » JonW, posted by JohnX2 on March 27, 2002, at 20:11:11
I couldn"t resist reading a thread on disability! So, are you saying that you have not been able to collect any $ from your LONG TERM carrier after the two day period after your short term carrier stopped paying? EEEEK.
Posted by Janelle on March 28, 2002, at 1:24:39
In reply to JOHNX2: Re: DISABILITY HELP! » JohnX2, posted by Janelle on March 28, 2002, at 1:14:25
I know this doesn't belong here (in PB), but shhhh ... just this once!
What is/was your job? I know you told me before, but my memory is shot, and I forget. Sorry.
Also, in a thread further I had a couple of computer questions for you, one of which I figured out (how were you able to provide a URL for your earlier thread about your BP/BPII symptoms - I spotted where the URL's appear on the computer screen).
BUT - how did you remember the URL for a post you did a long time ago - did you jot it down at the time so you could refer to it? Just curious. Thanks!
Posted by JohnX2 on March 28, 2002, at 1:37:07
In reply to JOHNX2: Re: DISABILITY HELP! » JohnX2, posted by Janelle on March 28, 2002, at 1:14:25
The long term carrier should pay. They just need more documentation from my pdoc that my leave need to be extended. I fortunately have enough of a financial cushion to wait this out in the mean while.John
> I couldn"t resist reading a thread on disability! So, are you saying that you have not been able to collect any $ from your LONG TERM carrier after the two day period after your short term carrier stopped paying? EEEEK.
Posted by Janelle on March 28, 2002, at 2:00:11
In reply to Re: JOHNX2: Re: DISABILITY HELP! » Janelle, posted by JohnX2 on March 28, 2002, at 1:37:07
Posted by JonW on March 28, 2002, at 7:27:54
In reply to Re: DISABILITY HELP! » JonW, posted by JohnX2 on March 27, 2002, at 23:04:54
They haven't said anything official yet, but they interviewed me on the phone and said that if my condition is pre-existing I will be denied benefits. They defined pre-existing as receiving any meds or treatment up to 3 months before starting my job. Well, obviously I have a pre-existing condition and I expect to be denied. My psychiatrist says there is absolutely no reason why I should be denied and was pissed. However, the law is the law and if having a pre-existing condition denies me... She said that I should apply for social security deisability because I should definitely get that, but I'll likely have to appeal that decision as well. Is it wise to hire a lawyer when appealing these decisions? Like I have the money to do that...
All smiles,
Jon>
> Are they saying you were able to work while having the illness? (thus the denial).
>
> Or do they only allow a disability claim on the illness for a certain amount of time? (.i.e you claimed it before and can't do it again??)
>
> What does your psychiatrist say? My psychiatrist helped handled a lot of the paperwork and BS from the insurance company with me (since he would get payed more I guess).
>
> Thanks for the answers, I may run into this myself.
>
> John
>
> > Hi...
> >
> > My short-term disabilty is about to expire, and I just got a call from my long-term carrier. They said that because I have a pre-existing illness, my benefits are denied! I cannot afford my current doctor without a paycheck. Has anyone been in a similar situation? Is there anything I can do???
> >
> > Being shit on,
> > Jon :(
Posted by RhainyC on March 28, 2002, at 8:37:32
In reply to Re: DISABILITY HELP! » JohnX2, posted by JonW on March 28, 2002, at 7:27:54
<snippage of sorry-*ssed insurance garbage rules>
>She said that I should apply for social security deisability because I should definitely get that, but I'll likely have to appeal that decision as well. Is it wise to hire a lawyer when appealing these decisions? Like I have the money to do that...
I replied:
I have experience with the SSDI issues. You *CANNOT* hire an attorney for your SSDI claim, _Until_ You have been denied, then appealed, then had your Appeal Denied. I am not certain if this is a state mandate <I live in Washington State> or a Federal one. But the good news is, once you are able to get an attorney, they are limited on what they can charge. The judge in the case *Assigns* their fees and the amount they can take from your back payments *If* you win.A note here, the amount you will get *If* you win, will be the monthly alotment, less the first 6 months from the date you originally filed. And they usually only get about 25% of the total amount.
Hope this helps.
Blessings,
RhainyC
aka Shadowe
Posted by Dr. Bob on March 28, 2002, at 9:25:09
In reply to Re: DISABILITY HELP!, posted by RhainyC on March 28, 2002, at 8:37:32
> I have experience with the SSDI issues...
As predicted, this discussion should be continued at Psycho-Social-Babble:
http://www.dr-bob.org/babble/social/20020325/msgs/21114.html
Bob
PS: And any discussion of posting policies should take place at Psycho-Babble Administration, thanks.
This is the end of the thread.
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