Originally Posted by Avalon
Thanks, Country. So are you on LTD from work and have SSDI as well? I'm so confused by all this stuff. How difficult do you think it would be to get approved by my employer's insurance co. for STD, and later LTD? I mean, how could they tell me I'm not having pain, or that the pain shouldn't be that debilitating? I really don't want the job back, I just want to have income and medical insurance.
My former company did me dirty on LTD so I was denied because I had seen a specilaist or been treated for the condition 1 day prior to it taking effect. Also the only loss was the insurance benefits. The LTD benefit (50%) was less than SSDI so no money loss there as Kissa explained.
I was fortunate to have other health insurance to fall back on because in PA there is a 2 year waiting period for Medicare.
If you need the insurance and LTD is not approved you can carry COBRA for the 24 month waiting period. $$$$$$
Short term disabilty is not hard to get approved. it's the long term that may be questionable. They will let you know if you ask after being approved for STD whether the condition will be valid for LTD.
Check your benefits carefully and use that to guide you in your decision making. But I sat behind a computer and on the phone all day with clients...The pain effected my concentration and productivity..I just couldn't do it any more.
If you work for a big company ask around to those that have gone out or been with the company for a while they may have some good advise.
Hey when it comes to back pain there isn't any way that they can tell you you don't got it!!!! You just have to be careful with them checking what you do away from home so they can't use that against you.