RE: avoiding surgery/Jenn - LTD

[Guest guest]

- why is your LTD case taking so long? Mine was resolved this spring

with the help of a lawyer. All it took was a discovery and everything was

settled. However, I still don't believe I won't have to fight them again down

the road. I wish I were wealthy enough not to have to deal with them. Jenn's

BF would likely be ok for the first two years, when you just have to prove you

cannot do your current job, at the two year mark they try and cut most people

off, even if they have a legitimate claim. My lawyer told me there was no real

reason my claim was cut off - he suspects it was because I am " young " (45) and

they didn't want to pay me for the next 20 years if I didn't get better. And

, they lead you to believe that self reported symptoms (eg pain) are

not sufficient, but in fact they are. They make money by denying claims as very

few people pursue legal action.

Dee

To: tetheredspinalcord

From: livedream_believe@...

Date: Thu, 9 Sep 2010 12:43:18 -0700

Subject: Re: avoiding surgery/Jenn

Sorry, I will shut up after this lol...the other question is...if his job

requires all this heavy back stuff, will he really be able to continue it after

a two-level fusion? Will he really want to go through all the pain and rehab

(even if all goes well) only to mess it up by lifting again? What surgeon in his

right mind would even release him to do so? and last but definately not

least.....LTD is NOT stable. I thought they were too, so much in fact that I

bought a house as they assured me I would receive benefits as long as I

continued to meet their definition of disabled. Then they took it away from me

because even though I have operative reports, doctors restrictions, documented

nerve damage etc, I cannot prove " pain " . I am still in a lawsuit for this but

meanwhile I went without any income until I was able to get SSDI (took over a

year). I am still at risk of losing my house because my SSDI is waaaay less than

what my LTD was and I am in financial

ruin from not being able to pay my bills. Not to mention that I had no health

insurance from the time of my loss of employment until I got Medicare (2 year

waiting period " after " getting awarded SSDI) My case is going to Federal court

next, once I can save up enough money for filing fee's ....LTD is not stable.

Subject: Re: avoiding surgery/Jenn

To: tetheredspinalcord

Date: Thursday, September 9, 2010, 12:38 PM

,

Unfortunately, he knows someone at work who had the surgery and he said he

felt wonderful after the surgery. So, in my BFs mind, that means all will be

well.

He doesn't want to have to quit his job. He would rather go out

on disability (ST or LT - those are stable - guaranteed income from his

employer) and have the surgery so that he can return to his job.