It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Health Insurance Issues Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 04-14-2012, 03:35 PM   #31
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

Hi everyone thank you for your support!!! I think the lawyer that said he doesn't send all medical notes is for LTD, not SS.

Everyone has said to me when the doctor told me he was having problems at home, you should never have gone back. I am disabled, I am tired of doctor shopping, I thought nothing of his personal problems.

I spoke to my SS and LTD lawyers, they said that it is very common for doctors to write stuff in medical records that has nothing to do with why the patient is even in the office! Also, my friend said he is now sorry he told me to start wearing makeup and do my hair every time I go out. His point was that if I looked better, I would feel a bit more confident. So I can't say I feel and Look bad.

 
Old 04-14-2012, 05:31 PM   #32
Veteran
(female)
 
Join Date: May 2011
Location: new york ,new york
Posts: 394
ferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB Userferd144 HB User
Re: Bad Doctor Report

Quote:
Originally Posted by BlueSkies14 View Post
Truthfully, every SSDI lawyer and SSDI advocacy firm are in it primarily for the money and not because they feel sad for you and want to help you, and that is ok as long as they are able to help you get approved. The theory is these professionals know how the process works better than you do by going it alone and thus if you use one of these guys, you increase the likelihood of getting approved, although there are no guarantees. The SSA website even says basically the same thing.
I didnt see this reply earlier.......but unfortunately it is a 10000% true

Ferd

 
Sponsors Lightbulb
   
Old 04-14-2012, 06:39 PM   #33
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

I agree 100%, although I like my lawyers and they did win my cases, of course they want the money, now my lawyer wants me to take a settlement for LTD.

 
Old 04-14-2012, 07:01 PM   #34
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

Curious footny? Why the settlement? Are they (LTD carrier) really aggravating you, your lawyer, and your treating doctors? If you don't take a settlement, how long must the carrier keep paying you? (max. duration of your policy excluding any attempts at early termination).

 
Old 04-14-2012, 07:47 PM   #35
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

The insurance company contacted my lawyer after I won my appeal to see if I would settle. The payment was so low, especially after paying my lawyer and taxes. I countered with a higher price and they said that was all the could spend. So my lawyer and I have discussed it. The policy goes to age 65 and that is a long way for me. My lawyer worries about my age and he said a new case manager can get the file and cancel me, he says it happens all the time.

 
Old 04-14-2012, 08:15 PM   #36
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

Now I have a laptop I can go on the computer more, laying in bed. I have been on LTD for almost 5 years, they cut me off once, that is why I needed to get the lawyer.

Last edited by Administrator; 04-15-2012 at 11:04 AM.

 
Old 04-14-2012, 08:15 PM   #37
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

Insurance companies will always try to lowball you when it comes to settlements. I can understand why people want to settle though just to stop all the aggravation and incessant, unreasonable medical requests for proof of disability in order to stay on claim. Did they start doing this from the very start footny when you 1st applied for LTD benefits?

 
Old 04-14-2012, 08:21 PM   #38
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

I am 50 years old. My policy pays until age 65 unless they try to terminate early so that is 15 more years of payments unless I die before then. How long were you on before they cut you off the 1st time?

Last edited by Administrator; 04-18-2012 at 07:44 PM.

 
Old 04-14-2012, 08:23 PM   #39
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

No, they just all of a sudden cancelled me about 3 years after I went on disability.

 
Old 04-14-2012, 08:27 PM   #40
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

Beware, the insurance companies hire private detectives to follow you.

Last edited by Administrator; 04-18-2012 at 07:45 PM.

 
Old 04-14-2012, 08:35 PM   #41
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

Quote:
Originally Posted by footny View Post
No, they just all of a sudden cancelled me about 3 years after I went on disability.
Wow footny, this is what all LTD claimants fear, including me. I am so sorry this happened to you. This is so bad IMO. Even after the SSDI offset, were they still having to pay you a substantial amount?

 
Old 04-14-2012, 08:44 PM   #42
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

They do surveillance on some claimants but this is uncommon for the majority because it is so expensive. The insurance company is not going to do this unless they have good cause to believe it will give them the ammunition they need to terminate the claim. Many people are paranoid however because you just never know, esp if the carrier starts badgering you and your doctors monthly for medical proof of continuing disability.

Last edited by Administrator; 04-18-2012 at 07:45 PM.

 
Old 04-14-2012, 08:48 PM   #43
Senior Member
(female)
 
Join Date: Feb 2010
Posts: 101
footny HB Userfootny HB Userfootny HB User
Re: Bad Doctor Report

I got cancelled before I had to go in front of a judge to get SSDI. It was a bad year, that is why I have two lawyers. I don't those months on anyone. So yes every month I am completely stressed out to see if I get a check or a letter from my lawyer or the LTD company or SSDI. It is not fun to live in fear like this.

 
Old 04-14-2012, 09:06 PM   #44
Inactive
(male)
 
Join Date: Mar 2011
Location: USA
Posts: 2,602
BlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB UserBlueSkies14 HB User
Re: Bad Doctor Report

I agree footny. To live in fear like this is really awful. I actually wish they would ammend ERISA a little more to protect disability claimants. That would at least give us, the claimants, a little more peace of mind when we have to file a claim for LTD. No one wants to be approved but then have to live in constant fear each month not knowing if you are going to receive a deposit into your bank account or a termination letter in the mail.

 
Old 04-15-2012, 05:09 AM   #45
Inactive
(female)
 
NElady's Avatar
 
Join Date: Oct 2010
Location: USA
Posts: 184
NElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB UserNElady HB User
Re: Bad Doctor Report

You are correct. There are "reserves" as it is called to pay all outstanding claims. That is the FIRST thing an insurance company has to pay, and money is set aside to cover that.

 
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
new doctor said i was malingering tryingtobehopef Health Insurance Issues 40 04-08-2012 07:54 PM
Waiting,CPP disabilty doctor shortage Skeeter59 Disabilities 0 09-15-2011 01:10 PM
Made up doctor Harmoney Disabilities 17 08-09-2011 06:31 PM
Function Report Cblewife Disabilities 18 01-26-2011 01:35 AM
Need Help With Letter From Doctor coffeecup22 Disabilities 7 10-12-2010 10:25 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Sign Up Today!

Ask our community of thousands of members your health questions, and learn from others experiences. Join the conversation!

I want my free account

All times are GMT -7. The time now is 06:31 AM.



Site owned and operated by HealthBoards.comô
Terms of Use © 1998-2014 HealthBoards.comô All rights reserved.
Do not copy or redistribute in any form!