herb/ltd

[Guest guest]

They shouldnt ''stop'' or make it so you cant apply for ssd. I am on LTD

and they PUSH for me to get ssd and when i get denials i have to reapply

ect. I am now with an atty to get my ssd.

if ssd is approved youll still get same amount your getting now each month.

say you make 1000.00 per month but ssd only gives 700...ltd will continue to

pay the add'l 300 HOWEVER they will take most of your backpay if your

awarded any.

Doesnt make any sense to me but different companies might have a different

way of going about things.

Hopefully youll be able to get ssd. Its good you have cobra- we couldnt get

it cause it cost so much so im without insurance until i get ssd approved.

Pain in butt lol. always something to fill out or do.

Hope this finds you doing ok

Moderator

>

> Curious on my end. I have LTD through my last job but they won't even

> look into SSD process for another 9 months or so even though I am gradually

> worsening. My insurance through Cobra will be running out. What type of

> insurance is out there that won't leave you broke every month? Thanks

>

> ** <rachael79rsd@... <rachael79rsd%40gmail.com>> wrote: Wow

> im surprised that LTD through your job denied you twice....im so sorry

> but glad you have an attorney- it is a relief not having to deal with all

> the paperwork and everything on your own.

> I have ltd through my last job for past 5 yrs pending the ssd process. I

> guess i was lucky to get it right away.

> Take care and keep us posted ok??

> Hope this lawyer gets you your pay!!!!

>

> moderator

>

> On 9/17/06, Debbie <panthrvamp@... <panthrvamp%40yahoo.com>> wrote:

> >

> > HI Everyone. Hope everyone is having a pain free or semi pain free

> > day. I'm glad to say that the methadone is working just great! had

> > to use some breakthrough today, but, still getting better coverage

> > than have had with the patch in a very long time.

> >

> > Well, got my 2ND denial on my LTD claim from work and was so

> > frustrated was about to give up. Decided one last time to see if

> > could find an attorney, well,after calling about 7 different LTD

> > attorneys yelling me " sure we will take your case, there is a $2000

> > retainer fee and $250 an hour fee. " well needless to say could not

> > afford it. Was browsing around and decided OK, one more and emailed

> > canter and something or other(cant remember the other partners name)

> > emailed them my info and the next day got a phone call. they had

> > looked over my email and really thought they could help me, the one

> > that is handling it, has done numerous claims against prudential

> > financial which is who mine is through. Gave him the info, asked me

> > to email them the most recent decline letter I got from them-in

> > which

> > they basically say that my RSD is self diagnosed that there was no

> > reason I ever should have had a spinal unit etc. which really upset

> > me. They called me yesterday and they are sending me the retainer

> > paperwork. Good thing is they only get paid after I win. He said

> > sometimes they will offer a flat sum and that may be smarter to take

> > but will deal with that if it gets to that. I was so relieved! So.

> > now, except for signing the paperwork I need to I don't have to talk

> > to them at all. Don't have to worry about how the hell am I going to

> > get the money to get an attorney, and then possibly have put out all

> > that money and get nothing in return. So, fingers crossed, they will

> > get them to stop the bullshit and put out the money. They act like

> > everyone with RSD has it show up on a bone scan or a Q Start! We all

> > know that there is no definitive way of detecting RSD not by any

> > particular test, but they just don't get that. So, other than that,

> > and feeling better, I'm feeling a lot better. Now watch since I said

> > I'm feeling so great and not needing much if any breakthrough meds,

> > Ill start needing them right?

> >

> > Real quick, Is anyone else having a problem with the daily digests

> > just not coming cause I have not gotten one since like Sept. 5Th? at

> > first it showed I wasn't a member, and now just not getting my

> > digests. Just curious if that has happened to anyone else?

> >

> > Hope all have a Pain Free or close to it, day.

> >

> > Blessed Be

> > Deb

> >

> > May There Never Be

> > The Burning Times Again

> > So Mote It Be

> > Blessed Be

> >

> >

> >

>

> --

> ~*~~*~

>

>