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Old 06-21-2003, 04:17 PM   #1
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cardinal HB User
Question Unum disability ins

Why is it that disability providers don't want to provide? Our companies pay large amts of money to help us in need. When that time comes the ins co acts like we are criminals and want us to justify our claim! I have serious back problems and had surgeries. I can not work, my neurosurgeon advised the ins co of this. The ins co is still trying to cut me off! I want to work but I can't! Why does the system let this abuse happen? We are suffering in pain and that is what disability ins is for! Even with all the data they continue to dispute it! ( C 5-6-7 fused, bone graft with plates. L 5-s1 removed, no fusion, L 3-5 herniated and degenerative disc disease.) I am in constant pain.
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Old 06-25-2003, 10:40 AM   #2
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Hi Cardinal!

Boy does your story sound familiar! How long have you been out of work? I'm going through the same thing as you are. I got injured at work one month ago & I sensed trouble from the beginning with my company's insurance co. Not only was the Insurance Company rude to me, but the Doctors they sent me to were 100 X's worse. Went to the Neurologist (W/C I might add) and I wound up leaving the office in tears.

I don't know if youv'e already done this, but consult with a Lawyer. Like I mentioned above, I sensed trouble the first two weeks into my injury & I just decided to get a Lawyer. I'm very much new to this, but with what I experienced in such a short period of time & what Iv'e heard about people getting injured in the workplace & the mortified hell they have to indure, it's always good to just stay one step ahead with these people.

Keep me posted! Take Care!

Carolyn

------------------
42 YEARS OLD Injured @ work on 5/29/03
6/5/03 MRI Cervical Spine Results
C2-3: Disc normal in height. Mild bulging posterior annulus. No central canal stenosis present.
C3-4: Intervertebral disc normal in height. Small posterior osteophyte/disc complex which causes effacement of the ventral surface of the thecal sac but no central canal stenosis. Mild to moderate right & mild left neural foraminal narrowing due to facet arthropathy & uncovertebral osteophytes.
C4-5: Moderate disc space narrowing. There's a posterior osteophyte/disc complex with possible superimposed posterior central/right paracentral disc extrusion which migrates minimally along the posterior aspect of L5. Results in mild acquired central canal stenosis. There's moderate bilateral neural foraminal narrowing due primarily to uncovertebral osteophytes & less so to facet arthropathy.
C5-6: There's moderate to severe discogenic disease. A broad based posterior osteophyte/disc complex causes effacement of the thecal sac resulting in mild acquried central canal stenosis. There's moderately severe bilateral neural foraminal narrowing due primarily to uncovertebral osteophytes.
C6-7: Mild disc space narrowing. There's moderate bilateral neural foraminal narrowing due primarily to unconvertebral osteophytes.
C7-T1: Intervertebral disc is normal in appearance.
6/16/03 MRI Results Lumbar Spine
1. Degenerative Lumbar disc disease L3-4 with a nearly 3mm broad based central disc protrusion mildly effacing the ventral aspect of the thecal sac at this level.
2. Mild annular bulge of the L4-5 disc seen in association with mild facet hypertrophy. Disc extends toward the inferior recesses of the exit foramina bilaterally but without direct neural compression.
L3-4: There's a central 2-3mm disc protrusion mildly effacing the ventral thecal sac & contributing to a mild degree of aquired central stenosis. No significant foraminal encroahment is identified.
L4-5: There's a slight flattening of the posterior disc contour. There's mild hypertrophic change of the facet joints. Slight extension of the disc toward the inferior recesses of the exit foramen but below the level of the exiting nerve roots. There's mild hypertrophy of the facet joints.
L5-S1: No discrete disc protrusion is indentified. No definite central foraminal stenosis noted.
__________________
42 YEARS OLD Injured @ work on 5/29/03
6/5/03 MRI Cervical Spine Results
C2-3: Disc normal in height. Mild bulging posterior annulus. No central canal stenosis present.
C3-4: Intervertebral disc normal in height. Small posterior osteophyte/disc complex which causes effacement of the ventral surface of the thecal sac but no central canal stenosis. Mild to moderate right & mild left neural foraminal narrowing due to facet arthropathy & uncovertebral osteophytes.
C4-5: Moderate disc space narrowing. There's a posterior osteophyte/disc complex with possible superimposed posterior central/right paracentral disc extrusion which migrates minimally along the posterior aspect of L5. Results in mild acquired central canal stenosis. There's moderate bilateral neural foraminal narrowing due primarily to uncovertebral osteophytes & less so to facet arthropathy.
C5-6: There's moderate to severe discogenic disease. A broad based posterior osteophyte/disc complex causes effacement of the thecal sac resulting in mild acquried central canal stenosis. There's moderately severe bilateral neural foraminal narrowing due primarily to uncovertebral osteophytes.
C6-7: Mild disc space narrowing. There's moderate bilateral neural foraminal narrowing due primarily to unconvertebral osteophytes.
C7-T1: Intervertebral disc is normal in appearance.
6/16/03 MRI Results Lumbar Spine
1. Degenerative Lumbar disc disease L3-4 with a nearly 3mm broad based central disc protrusion mildly effacing the ventral aspect of the thecal sac at this level.
2. Mild annular bulge of the L4-5 disc seen in association with mild facet hypertrophy. Disc extends toward the inferior recesses of the exit foramina bilaterally but without direct neural compression.
L3-4: There's a central 2-3mm disc protrusion mildly effacing the ventral thecal sac & contributing to a mild degree of aquired central stenosis. No significant foraminal encroahment is identified.
L4-5: There's a slight flattening of the posterior disc contour. There's mild hypertrophic change of the facet joints. Slight extension of the disc toward the inferior recesses of the exit foramen but below the level of the exiting nerve roots. There's mild hypertrophy of the facet joints.
L5-S1: No discrete disc protrusion is indentified. No definite central foraminal stenosis noted.

 
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