Tweet
Well, I have been fucked over by the disability insurance company that my employer and I paid a shitload of money to over the last ten years, and to keep this from happening to you, I suggest this...
If you ever have to go on short-term disability for an injury, especially a spinal one, don't go back to work! Just tell the doctor that you still hurt, go do whatever he tells you to, and keep saying that you hurt, whether you do or not. Eventually you roll into long-term disability and they can't fuck you. I made a mistake when I went on short-term a few times and then went back to work. I thought it was the right thing to do, work when you feel well enough, even if you have some pain. WRONG! Since I went back to work, then found out that I couldn't even operate the fucking computer working half-time, as far as anyone involved is concerned, my disability started in June of this year and I've received no treatment whatsoever for it. Because I went back to work, this is now a new injury.
Think that's bad enough? They will sit on your application, tell you that it's OK, they have 45 days to process it, and on day 45, you get a letter telling you that they're missing some documents. Always send the shit certified mail, maybe even have the postal clerk initial a copy of every page. Otherwise, they get another 45 days every time they pull this. Then they can delay by appealing to the government for another 30 days, and another.
Think that's bad enough? My employer told the disability insurance company that I will be getting unemployment, and so I have to pay that back to them. So, I spent hours and hours filling out unemployment forms, having my doctor do his part of it, had to go through the hell of making their system work, and then they tell me that I'm not eligible for unemployment because I can't work.
Social security? I just started with the lawyer this time. He said to apply in four months, because you have to be disabled for a year, and then WHEN (not if) they refuse it, to give him a call.
And for you "get out and work, ya welfare trash" types, OK. I'll have someone hit you over the head with a baseball bat, and you type me a response while your head is still spinning. Then you'll know what it's like for me to try to work. I've been working 30 years non-stop, starting by throwing two paper routes at a time, and my employers and I have paid umpteen thousands of dollars that was supposed to come back to me if I became injured...millions of dollars if you count interest. I can't even get my student loans dismissed, even though they tack on thousands of dollars to pay for the fuckers who didn't pay theirs because they didn't feel like it.
Great having health insurance now, though...a doctor appointment paying cash was $25. With insurance, it's $85 copay. What's wrong with this picture?
OK, another stupid Denise vent, but you read the fucking thing, and that's your fault, not mine.
If you ever have to go on short-term disability for an injury, especially a spinal one, don't go back to work! Just tell the doctor that you still hurt, go do whatever he tells you to, and keep saying that you hurt, whether you do or not. Eventually you roll into long-term disability and they can't fuck you. I made a mistake when I went on short-term a few times and then went back to work. I thought it was the right thing to do, work when you feel well enough, even if you have some pain. WRONG! Since I went back to work, then found out that I couldn't even operate the fucking computer working half-time, as far as anyone involved is concerned, my disability started in June of this year and I've received no treatment whatsoever for it. Because I went back to work, this is now a new injury.
Think that's bad enough? They will sit on your application, tell you that it's OK, they have 45 days to process it, and on day 45, you get a letter telling you that they're missing some documents. Always send the shit certified mail, maybe even have the postal clerk initial a copy of every page. Otherwise, they get another 45 days every time they pull this. Then they can delay by appealing to the government for another 30 days, and another.
Think that's bad enough? My employer told the disability insurance company that I will be getting unemployment, and so I have to pay that back to them. So, I spent hours and hours filling out unemployment forms, having my doctor do his part of it, had to go through the hell of making their system work, and then they tell me that I'm not eligible for unemployment because I can't work.
Social security? I just started with the lawyer this time. He said to apply in four months, because you have to be disabled for a year, and then WHEN (not if) they refuse it, to give him a call.
And for you "get out and work, ya welfare trash" types, OK. I'll have someone hit you over the head with a baseball bat, and you type me a response while your head is still spinning. Then you'll know what it's like for me to try to work. I've been working 30 years non-stop, starting by throwing two paper routes at a time, and my employers and I have paid umpteen thousands of dollars that was supposed to come back to me if I became injured...millions of dollars if you count interest. I can't even get my student loans dismissed, even though they tack on thousands of dollars to pay for the fuckers who didn't pay theirs because they didn't feel like it.
Great having health insurance now, though...a doctor appointment paying cash was $25. With insurance, it's $85 copay. What's wrong with this picture?
OK, another stupid Denise vent, but you read the fucking thing, and that's your fault, not mine.
)
Comment