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Old 07-22-2010, 12:35 PM   #1
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Got my Fully Favorable Today

Hey guys, just an update. I checked the mail today and it had my decision from my hearing from july 9th. I got a fully favorable to the date that i reported disability. Just wanted to let everyone know as several of you had answered questions for me on this topic.

 
Old 07-22-2010, 12:45 PM   #2
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Re: Got my Fully Favorable Today

Wonderful news! Congrats!

Wow, that is two award letters on the board today!!! I think I need to go wait by my mailbox. Maybe mine will be number three.

 
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Old 07-22-2010, 01:02 PM   #3
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Re: Got my Fully Favorable Today

Congratulations! You had your hearing July 9th and got a response already. That is great. Hopefully I will receive the same decision.

 
Old 07-22-2010, 01:04 PM   #4
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Re: Got my Fully Favorable Today

Congrats! How lucky you were to get it so very fast in the mail! Now, take a deep breathe and relax best you can. Money is not far behind!

 
Old 07-22-2010, 05:10 PM   #5
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Re: Got my Fully Favorable Today

hey thats great! I too got a favorable at my hearing 7/16 and i hope i recieve formal notice as quick as you did i'm in alabama and its real laid back here-may i ask what state your in?
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Old 07-22-2010, 06:12 PM   #6
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Re: Got my Fully Favorable Today

I'm in northern Arkansas. My decision is dated 7/16 and i got it today, went to court on the 9th

 
Old 07-22-2010, 09:02 PM   #7
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Re: Got my Fully Favorable Today

Congrats! I am just doing my initial filing so I may have a long road ahead and it feels good to see success!
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 07-23-2010, 01:16 PM   #8
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Re: Got my Fully Favorable Today

Hey thats wonderful, I know how your feeling about now, got mine afew weeks ago. And money came fast afterwards. Hoping yours will to. home sweet home

 
Old 07-23-2010, 04:41 PM   #9
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Re: Got my Fully Favorable Today

Congratulations to everyone who got there decision letter today 3months and still counting, lawyer said req update and still with judge, said this particular judge is taking longer than usual, Wish was a law for us its like cruelty to humans, cant believe there isnt a deadline there is when we have to send informatio, sorry a little depressed my ltd ran out and was under review, got denied today told them don't know how judge said I couldn't even do less than sedenary work, and due to number of other health problems I have as well, have to file apeal with long term dis, with co used to work for cant believe they denied me when they have same info judge had. Good luck to all of u any exp in New York State.

 
Old 07-23-2010, 04:59 PM   #10
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Re: Got my Fully Favorable Today

Was your LTD terminated at the change of definition? Many LTD policies initially evaluate the claim based on your "own occ" and later the claim is based on "any occ". My LTD pays 24 month under "own occ" and then changes to "any occ" for the remainder of the time I'm eligible for LTD.

"Own occ" means they look at if you are disabled from the occupation you were doing when you went out on LTD. "Any Occ" means they look at if you can do any occupation for which you are reasonably educated, experienced, trained and/or able.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 08-26-2010, 03:04 AM   #11
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Re: Got my Fully Favorable Today

Hi, I got my fully favorable decision last week, called lawyer, holding my backpay to see if I recieved ssi while waiting, which I havnt, and seeing if I am eligable to get ssi, which lawyer thinks I don't qualify, how long does it take to get back pay, first monthly check should come arnd sept 15, Not gonna bother with ltd appeal I am to tired of fighting

 
Old 08-26-2010, 04:18 AM   #12
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Re: Got my Fully Favorable Today

LTD appeal is worth it if they pay above and beyond SS. And sometimes with SS awarded they change their decision. How much more could you get per month with LTD? And did your LTD refer you to the attorney? If so they may be notified of the SS award and require you to pay them back any over payment for any period in which SS and LTD were payable.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

 
Old 08-26-2010, 10:58 AM   #13
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Re: Got my Fully Favorable Today

so are you saying that if you recieve LTD and then down the road you win SSDI, you have to pay your LTD back?
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Old 08-26-2010, 11:04 AM   #14
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Re: Got my Fully Favorable Today

Quote:
Originally Posted by Jamie97 View Post
Hi, I got my fully favorable decision last week, called lawyer, holding my backpay to see if I recieved ssi while waiting, which I havnt, and seeing if I am eligable to get ssi, which lawyer thinks I don't qualify, how long does it take to get back pay, first monthly check should come arnd sept 15, Not gonna bother with ltd appeal I am to tired of fighting
i got my fully fav notification 7/27/10-the back pay can come at any time no matter what they tell you if you call ss-keep cking your bank acct for a large deposit-most people are getting the $ bfore letter stating how much backpay you will receive, my first regular payment is the 3rd of each month starting sept 3-still waiting for backpay too

hope it comes soon, right?!
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Old 08-26-2010, 11:19 AM   #15
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Re: Got my Fully Favorable Today

Most LTD policies have a provision in which LTD is reduced by any SSDI received. LTD benefits are often higher than SSDI thus it pays to have LTD.

So, for example:
*LTD started 1/1/09 at $1000/mo.
*1/1/10 SS finally awards $700/mo retro to 7/1/09
*For 7/1/09 and forward LTD is reduced by SSDI initial award of $700
*Even if SSDI increases due to cost of living increases, offset remains $700/mo
*For every month in which SS pays $700, then LTD pays $300.

Thus looking back to the date of SS initial benefit award, the LTD carrier can determine what amount of any SS back-pay is due back to them.

***KEEP IN MIND every LTD policy is different. Make sure you have a copy of the exact policy under which you are covered. There is a section in each policy on Offsets.

Some people who have had LTD denied don't want to pay SSDI back and thus keep their LTD denied. But often upon applying for LTD you sign paperwork promising to pay back any over payment. If your SS attorney was one chosen for you by LTD they'll likely be required to report back to LTD as to your award. And many LTD companies run queries regularly to match SS# to awarded SSDI to recoup over payments.

In addition if you have many years of LTD ahead of you, you want the extra income per month.

In my case if SS is awarded I may still receive an additional $800 per month from LTD. Being 44 that means 20+ years of $800 per month that I could be throwing away if LTD was denied, I gave up on appealing, and took only what SS would pay me.

The reasoning behind all this is that LTD and SSDI are both programs meant to replace only a portion of your income and never to make you "whole" financially. In some cases if someone was to get LTD and SSDI they may have more income per month than when they were employed.

For those that are healthy buying an individual disability plan is the best thing to do. I purchased a plan years ago and since it is wholly paid by me and NOT based on my employment it can not be deducted from my LTD {I've applied for that benefit but have not yet been awarded, they do a stringent review}. Since SSDI is based on employment (you pay in only when employed) and LTD is based on employment, SSDI is offset from LTD.
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Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

Last edited by SpineAZ; 08-26-2010 at 11:33 AM.

 
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