Fw: [Disinissues-L] Questions

August 25, 2000

Re: [Disinissues-L] Questions

>

> I believe it is the other way around. The benefits you receive from

> Social Security Disability Insurance may be used to reduce the amount

> you receive from your long term disability insurance. At least that is

> how they did it in New Jersey when I became eligible. The total was

> supposed to add up to 50% of my most recent yearly salary. It only lasts

> until age 65. There are varying factors. I was able to negotiate getting

> paid for unused vacation time. The sick time got used up before the

> short term disability set in . I should point out that I had to educate

> myself to try to get the best benefits I could because although the

> human resources department in my compamy was very helpful, they were not

> always very well informed. A brief and expensive encounter with a

> disabilities lawyer taught me that I was better off handling it myself

> whenever I could. I believe that Cobra is for 18 months not 30 as one

> writer said but perhaps that varies. After 2 years and 6 months of

> Social Security disability, I received a Medicare card in the mail. The

> problem I am working on now is how to obtain prescription drugs that I

> need since the cost will be over $1000 per month once my Cobra coverage

> ends. From all of the contributors to this site, it appears that

> different people have widely varying experiences trying to manage while

> disabled. now in Napa, CA

>

> _M_Musial@... wrote:

> Will the benefits I receive from them reduce theamount I'm eligible for

> from SSDI, should that be approved? Also, I have alittle sick leave time

> left to use, and a fair amount of annual (vacation) thatI have been

> trying to save to " cash " in when/if my disability retirement isapproved.

> Do I have to use this leave also before I try to utilize

> myshort-term/long-term disability insurance (UNUM, by the way)?

>

> >

>

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