insurance nightmare

[Guest guest]

Bill,

I sold cars and the doctors says I can no longer work at all. Says I cannot

sit, stand, walk, or drive, only minimum amount of time for each because my

spine is effected in two places along with the rest of my body. Things go to

sleep whenever they want, for however long they want. From minutes to months

so far. My left foot is totally numb, yet very painful. Last night was the

first time I experienced something, from my knees down, it felt like my legs

were it a bucket of ice. It was so painful. Yes, I did the heavy stuff to get

through that one. I knocked myself out.

I did not know they had to offer you a different position, does it have to be

of equal income?

I made really good money and had a loyal following. I would have liked to do

finance and had helped out many times, on the really busy days. I know that

if they could get my medicine right maybe I could return to work.

All in all, you have touched on a subject that could possibly help many faced

with this challenge. I have not had any income since January 2001, I had

AFLAC for a year and it was worth every nickel I had paid into it. I still

have it on accident cancer and disability. We are in the process of getting

that in the Illness level instead of an accident claim from breaking my leg.

Hopefully it will all work out. Only it depends on a doctor that told me

" don't research it, it is nothing to worry about " I wish he had my pain for a

day. No, I don't, That was mean. I am going to give him a copy of the one

sent from s Hopkins, so he can see what they said and how wrong he was.

Hopefully that will get him to put the right thing down and I will get my

claim for one year. It has been applied for twice already. Pray for me. I

will definitely pray for Layne and his family. This is so hard and unfair. We

spend our lives working and paying for it, physically and mentally and then

when we can't do it anymore, this is what you get. I don't know what it takes

sometime to make people realize, that basically people don't put themselves

through this to take advantage of the system. They are in real need of the

help they paid for not just with money, but with life. We have to fight for

what we deserve, that is a recognition NATIONWIDE and proper educated health

care

I have been fortunate enough, that my fiance sold his house to assure that my

credit not be ruined. I also had insurance on a twenty-thousand dollar loan.

They have just covered that. I had insurance on my life insurance and

hopefully that will be covered and be retroactive from date of disability. I

will know soon. I am still waiting for SSD, second attempt. It just seems we

may need a lawyer to fight our cases in every area. Maybe that is something

the support groups in the individual areas need to work on.

GOD BLESS

[Guest guest]

I need your help. Layne has just received notification from his

company's insurance company that they have rejected his appeal for

disability benefits. We have send reports from his family doctor, an

emg which was administered by a specialist and a respected neurologist

who all say he is disabled to do his job. We are very upset as this

has been 1 year today that he has not received any sort of pay cheque.

Please, any suggestions would help. Keep in mind we are in Canada.

This insurance company (starts with an M and ends in Life) has led us

on a wild goose chase only to pull the rug out from under us. We have

called a lawyer and are awaiting a call back. Layne left a message

with the woman at the insurance company saying, " see you in court " .

She didn't even have the guts to call and speak to him. Instead, she

called the company nurse and told her to tell Layne that if he and his

lawyer have anything new to add she'd listen. Well what kind of

medical information could a lawyer bring to them? Do you think she's

hinting at a buy out? Anyway, we'd like to hear your advice or past

history of this. Thanks for your help.

Gini for Layne