02-06-2012, 07:40 AM
Join Date: Nov 2011
Location: Bakersfield, CA
Re: Getting approval from doctor for disability
Originally Posted by GregBear4you
You asked me: "How long have you been on STD? Is LTD provided by the same insurance company who approved the STD? My STD was administered in-house by the company I worked for. You are on STD so your doctor must have filled out the necessary paperwork for that. Why not ask him/her if your STD runs out and you are still sick, would they support your claim for LTD?"
STD - a little over a month now have been on STD - my company I work for pays for it. Will last no more than 12 weeks, unless apply for an extension.
LTD - is through an insurance company, by premiums I pay into at work.
Yes, my doctor signed the STD forms with no reservations. I was really shocked, but, so glad he did. My insurance is not going to give me the gammagard drug; the immunologist there said "you really don't have an immune deficiency disorder unless you IGg level is below 400. What a line of bull! I am very angry!
I am deficient in IG 650, sublcasses 1 and 3, which have to do with recurring infections and lung infections.
We now are applying for the CVIG drug, but there is a 6 month pre-existing condition clause., so therefore, I will have to go on LTD until I can get this drug, then be re-evaluated. I am certain the Kaiser doctors will not support me for LTD, but they might, so I have to have this talk again with my Immunologist. I am praying he does support this. Again, I feel nervous about asking, because if I get turned down, there is really no one else who could help me.
Thanks for your help, BlueSkies!
I wanted to explain that IVIG (not CVIG) is not really a drug....its human blood product that comes from a very large pool of donors. I explain it to my friends this way: "people donate blood and the blood companies are able to take out their immune system (IgG) and put it in a bottle and give it to me". Also, try not to be cross with your doctor, there is a standard out there for most insurances/diagnosis that you have to be 2 standard deviations lower than normal (guessing sorry, if you like I can find you the EXACT verbiage). You could have an immune deficiency at 500 total IgG - but the correct tests need to be done or no one will pay for IVIG. Did they do the vaccine challenges on you?