Guest guest Posted April 22, 1999 Report Share Posted April 22, 1999 Thanks to those of you who have been down this road before. I will >appreciate your help in dealing with this thorny issue. > >Steve Dear Steve, I am sending you addresses to list devoted entirely to disability insurance issues, and it is geared to those with CFIDS/FMS. I learned more here about going through SSD maze than I did in the 6 years of battling SSA, and I had a attorney! I just wish I had known about this list earlier. However, all disability issues are included, not just SSDI. I put this list addy on my lupus list, and have gotten excellant feedback from those who subscribed. I had to quit teaching to due to cognitive problems so I synpathize! You need to send request to Listserve address. Your message to DISINISSUES-request@... has been forwarded to the " list owners " (the people who manage the DISINISSUES list). If you wanted to reach a human being, you used the correct procedure and you can ignore the remainder of this message. If you were trying to send a command for the computer to execute, please read on. The DISINISSUES list is managed by a LISTSERV server. LISTSERV commands should always be sent to the " LISTSERV " address, ie LISTSERV@.... LISTSERV never tries to process messages sent to the DISINISSUES-request address; it simply forwards them to a human being, and acknowledges receipt with the present message. Good luck, Christie tab@... Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 9, 1999 Report Share Posted December 9, 1999 What would that tell one ? disability insurance >From: rhbailey@... > >Dear Phil, > >Have you thought about getting tested for RNaseL Enzyme Dysfunction? > >Sue B. > >>This list is intended for patients to share personal experiences with each other, not to give medical advice. If you are interested in any treatment discussed here, please consult your doctor. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 10, 1999 Report Share Posted December 10, 1999 Doesn't buy anything from LTD -- they are looking for DISABILITIES (specific SYMPTOMS that prevent you working...), once I clued on to this mindset of theirs.... proving CFS -- does not buy LTD... Symptoms that can affect work does! at least, in my humble opinion.... [ PS: it was a good suggestion] ----- Original Message ----- From: <rhbailey@...> > Have you thought about getting tested for RNaseL Enzyme Dysfunction? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 11, 1999 Report Share Posted December 11, 1999 Do you know when it would be positive? What characteristics of the patien tha t it shows something? My understanding is that it is not 100% indicative of CFS. Phil rhbailey@... wrote: > From: rhbailey@... > > Dear Phil, > > Have you thought about getting tested for RNaseL Enzyme Dysfunction? > > Sue B. > > > This list is intended for patients to share personal experiences with each other, not to give medical advice. If you are interested in any treatment discuX-Mozilla-Status: 0009ult your doctor. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted November 28, 2001 Report Share Posted November 28, 2001 I don't think they can just cancel all of your insurance like that. I believe they have to offer you the cobra. I wish I could help you. Best of luck with this. It's a shame you have to deal with it on top of everything else. Bethanne __________________________________________________ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 30, 2006 Report Share Posted September 30, 2006 Hi , I went through it last year and it's TOUGH. SDI lost my paperwork twice. When I finally did get paid, it was a big, fat check. But that sure didn't help me when I was stressing over when and if the money for bills would come rolling in. Thank God I have family to lean on who were there for me when I truly needed the help. God didn't abandon me then, and I have faith that He won't abandon me now...That's what gets me through. Hang tough, girl! Lorie disability insurance Since I am testing twice a week with Compass vision labs I am almost broke. I haven't been paid for the month of sept 06, because they needed my md to extend my disabilty. Disability recieved the claim on 9/20/06 I was getting paid every 2 weeks. Has anybody else delt with this for the state of ca. I didn't know who else to talk to since you guys are my most important support group. Just having a bad day recieved my bill frome my 1st 28 day inpatienty rehab, I owe $20,000Plus I just started my $4,200 IOP due to positive etg. With all this extra lab testing I am broke and desperate.I just found out my etg results on 9/18 and 9/21 were neg. This is my first negatives after 4 positives in a row. But whats funny is I can't figure out what I changed except I stopped eating refined cards ( I thought I must have gut-fermentation) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 15, 2008 Report Share Posted September 15, 2008 Last I checked NCMIC was using National Business Association for Chiropractors for long term disability. Kehr From: [mailto: ] On Behalf Of G. Hartje, DC Sent: Monday, September 15, 2008 1:49 PM Subject: Disability insurance Does anyone have any recomendations regarding any insurance companies offering D.C. Long Term Disability Insurance here in Oregon. Evidently, NCMIC does not offer Disability insurance to Oregon D.C.'s. Thank-you for the info. Bill Six Factors of Health www.drhartje.com (503) 684-6037 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 15, 2008 Report Share Posted September 15, 2008  NCMIC does, I just got my payment notice try 1-800-932-9340 Disability insurance Does anyone have any recomendations regarding any insurance companies offering D.C. Long Term Disability Insurance here in Oregon. Evidently, NCMIC does not offer Disability insurance to Oregon D.C.'s.Thank-you for the info.BillSix Factors of Healthwww.drhartje.com(503) 684-6037 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 16, 2008 Report Share Posted September 16, 2008 A good local person is Alan Bacharach. I picked his brain about the different kinds of dissability out there. He knows his stuff. He is with Wealth Stratgies Northwest. 503-517-3140 is his direct line. Or Alan_Bacharach@... . If nothing else he can tell you good questions to ask to make sure you get the coverage you need. Just let him know another DC referred you. Respectfully, Dr. Franchesca HarperFunctional Pain Solutions6956 SW Hampton StTigard, OR 97223p. 503-443-6100f. 503-443-1280 From: billhartje@...Date: Mon, 15 Sep 2008 15:49:08 -0500Subject: Disability insurance Does anyone have any recomendations regarding any insurance companies offering D.C. Long Term Disability Insurance here in Oregon. Evidently, NCMIC does not offer Disability insurance to Oregon D.C.'s.Thank-you for the info.BillSix Factors of Healthwww.drhartje.com(503) 684-6037 See how Windows Mobile brings your life together—at home, work, or on the go. See Now Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 23, 2009 Report Share Posted April 23, 2009 Attorney usually just takes a percentage of your winnings. This is how they did w/my dh _____ From: [mailto: ] On Behalf Of kathymacintyre@... Sent: Wednesday, April 22, 2009 4:26 PM Subject: [ ] Disability Insurance Hi I was receiving disability benefits for 2 years and suddenly they cut me off because they say I only had a Mental Condition, not Lyme disease. This in spite of the fact that they have all my labs and Dr's reports supporting Lyme Disease. I must now hire an attorney to help me appeal this decision. Is there anyone out there that has had to do a similar thing? The attorney is expensive, I have no income, and there is still no guarantee I will win. I would really appreciate any help or advise anyone can give me. Thanks Kathy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted April 24, 2009 Report Share Posted April 24, 2009 i have an attorney for disability for my husband, i think they usually only charge if you win. have you contacted one? Begley - Temporary Placement Manager From: kathymacintyre@... <kathy@...> Subject: [ ] Disability Insurance Date: Wednesday, April 22, 2009, 5:25 PM Hi I was receiving disability benefits for 2 years and suddenly they cut me off because they say I only had a Mental Condition, not Lyme disease. This in spite of the fact that they have all my labs and Dr's reports supporting Lyme Disease. I must now hire an attorney to help me appeal this decision. Is there anyone out there that has had to do a similar thing? The attorney is expensive, I have no income, and there is still no guarantee I will win. I would really appreciate any help or advise anyone can give me. Thanks Kathy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 22, 2009 Report Share Posted September 22, 2009 i am trying to get disability ins from work and i have sent in letters from 3 dr.s all stating that they are treating me for lyme and i am unable to work due to lyme arthritis, pain and fatigue and the ins co is denying the claim because my tests are negative. I have been antibiotics for 2.5 months and still feel really bad. i have the opportunity to appeal the ins co decision to deny me benefits..... does anyone have any suggestions on how to approach the situation? I would like to send info in from dr donta or a LLMD but can't get an appt anytime soon and I am on all cancellation lists! please help peace and love laina Quote Link to comment Share on other sites More sharing options...
Guest guest Posted September 22, 2009 Report Share Posted September 22, 2009 do NOT appeal--we did that and got burned--big time. get a lawyer--one with experience with insurance company denials...if we did that we'd be better off today!!!...seems that once you do appeals its a binding agreement like mediation--but get a lwyer who can write letters and ask for meetings and demand whats your rights,things happen differently!! worth the money in long run.and if theyre familiar with disability laws too--bonus--else you may need a diff one for that. Absolutely necessary (unfortunately) to have a legal advocate aka lawyer on your side for disability cases that will be hard to prove like Lyme--if most Drs dont beleive in it, and most insurance companies deny treatment for it over 1 month then the disability folks have no choice to start from there and deny it too. You need a strong experienced person to gather the evidence to prove your case. and it takes a while too.Plus your employer may be fighting the claim--after all they have to pay part of your benefits and youll be away from work--useless to them--sort of like paying you for no work another reason to get a lawyer. Call a few and talk with them--a first 10 min phone conference should be free--ask their experience with Lyme and chronic illness disability cases, how many they win etc..youll get a sense of those that BS and those that know their stuff. Try to call the Lyme support groups in your state. They may have folks using good atty's they can recommend. good luck and hang in this time of year is hard--too many summer Lyme cases and too few good Drs to handle them all. btw you can meanwhile try to provide them with a pile of papers stating/proving that? 1. Lyme is a clinical diagnosis 2. tests arent reliable and even CDC states they cant be used as basis to diagnose or say you dont have it 3. The symptoms dictate the ability to work or not and not the tests. 4. IF you first make sure the Dr is unbiased you may wish to offer them to name a Dr to examine you Finette Finette Russak, M.S. Science Educational Consultant Lyme Disease Advocate Support group Leader original member of LDA-NJ ( now LDA) member of lymeneteurope, lymeaid parents,many online and local support groups This message (including any attachments) is intended only for the use of the person(s) to whom it is addressed, and may contain information that is privileged, confidential, and exempt from disclosure under applicable law. If you receive this message in error, please notify me immediately by email, and delete the original message from your records. Thank you. [ ] disability insurance i am trying to get disability ins from work and i have sent in letters from 3 dr.s all stating that they are treating me for lyme and i am unable to work due to lyme arthritis, pain and fatigue and the ins co is denying the claim because my tests are negative. I have been antibiotics for 2.5 months and still feel really bad. i have the opportunity to appeal the ins co decision to deny me benefits..... does anyone have any suggestions on how to approach the situation? I would like to send info in from dr donta or a LLMD but can't get an appt anytime soon and I am on all cancellation lists! please help peace and love laina Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 19, 2010 Report Share Posted January 19, 2010 Seth: For any of your insurance needs, including group health or Medicare supplements for your patients, my father-in-law (Ron Osborne) or my brother-in-law (Greg Osborne) at Modern Insurance Marketing in ville can find you the best deals. They've been at it for nearly 30 years. Their toll-free number is 1-800-762-4646 or locally (503) 762-4646. Lyndon McGill, D.C. Salem, Oregon www.SalemSpineClinic.com Miracle Water On 1/19/2010 8:47 AM, sethor wrote: Does anybody have recommendations for companies offering disability insurance for DCs in OR? Thank you, Seth Hosmer, DC Quote Link to comment Share on other sites More sharing options...
Guest guest Posted January 19, 2010 Report Share Posted January 19, 2010 Fowl comment Ted Forcum, DC, DACBSP ACA Sports Council, President '08 US Olympic Sports Medicine Team Member Back In Motion Sports Injuries Clinic, LLC 11385 SW Scholls Ferry Road Beaverton, Oregon 97008 503.524.9040 www.bimsportsinjuries.com The information contained in this electronic message may contain protected health information confidential under applicable law, and is intended only for the use of the individual or entity named above. If the recipient of this message is not the intended recipient, you are hereby notified that any dissemination, copy or disclosure of this communication is strictly prohibited. If you have received this communication in error, please notify Back In Motion Sports Injuries Clinic, LLC at 11385 SW Scholls Ferry Road, Beaverton, OR-97008. and purge the communication immediately without making any copy or distribution. From: [mailto: ] On Behalf Of drjohansen@... Sent: Tuesday, January 19, 2010 9:53 AM cote@... Cc: caughlindrc@...; cote@...; shosmer@...; Subject: RE: Disability Insurance How does AFLAC do on claims? Some companies have been accused of ducking liability.... R Johansen D.C. PC,DABCO Chiropractic Life Center 12762 SE Stark Street Portland Oregon 97233 Voice 5032557746,Fax 5032550818 Please note: message attached From: cote@... " Dr. A Caughlin DC CAC " <caughlindrc@...> Cc: cote@..., " 'sethor' " <shosmer@...>, " 'Oregon DC Group' " < > Subject: RE: Disability Insurance Date: Tue, 19 Jan 2010 09:41:03 -0800 (PST) __________________________________________________________ Diet Help Cheap Diet Help Tips. Click here. http://thirdpartyoffers.juno.com/TGL2141/c?cp=h9DUOHWnVri5XECy8cVMtQAAJ1BUt5RtaQhhnxhY--XdiViVAAYAAAAAAAAAAAAAAAAAAADNAAAAAAAAAAAAAAAAAAAYQAAAAAA= Quote Link to comment Share on other sites More sharing options...
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