Approved for SDI

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keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 5/21/2008 2:45 PM (GMT -7)   
I received an award letter today regarding SSDI.  I'm a little confused, cuz in the letter it states that the "nonmedical" part has not been decided yet & is forthcoming.  Does anyone know what that means?
 
I wanted to let you all know the SSDI is possible.  It has only been 1 1/2 years of trying & I do have a lawyer that was suggested by my Long Term Disability Insurance Company.  I was at the hearing stage, however, my lawyer petitioned a motion to see a Judge prior to a hearing.  My case was presented & the Judge approved asap without it going to a hearing.  My advice to everyone thinking of applying...please remember intrigrity is the most important factor along with persitence.  I am fortunately to have had Long TErm Dis.  which actually I may owe SSDI cuz my LTD benefits are much more than SSDI.  However, I feel benefits of the SSDI outway the LTD.  After 2 years of LTD they will evaluate "any job", which means I may have lost my benefits.  Also, to continue receiving LTD benefits, SSDI must be actively pursued.
 
Anyway, on one hand is a a great victory, on the other, I'm labeled DISABLED.  Being 45 is kind of a reality how ill I really am.  I'm awaiting to find out if I will be having cervical neck fusion, which is one more thing to deal with.  I pray it will take the physical & mental pain away.  I used to be such a positive person, & now with being knocked down so much I don't know who to think positive.  I see a therapist weekly, have great coping techs, read lots of self help books & of course read everynight this web sit.  How do we get out of the emotional rollercoaster when our body doesn't cooperate with simple every day living. If any one has questions regarding the process of my SSDI, please feel free to email me at lad403@sbcglobal.net.  Just put in the subject line SSDI/Healing well.  God Bless.
Dx with CD 1987, 3 resections, 3 abcess sx, DDD back & hips, bulging disk, Major depression/anxiety, kidney stones & sx to remove, now 45 yrs old.  Still trying to figure this disease out & of course all the little extra complications that come with this rollarcoaster of a life with CD. Possible cervical neck fusion to be scheduled.
 
Meds:Humira 40mg every other wk, Imuran .75 daily, welchol 625 x 3 daily, cymbalta 60 mg daily, fish oil, vit e,folic acid,Vit B12,inject monthly, Oscal w/Vit D, vicodin 4-5 daily 7.5
 
         
 
 


tsitodawg
Veteran Member


Date Joined Sep 2006
Total Posts : 845
   Posted 5/21/2008 11:00 PM (GMT -7)   
Congradulations on the approval.  I too, was just recently approved for Social Security.  It only took me about 4 months to get approved, so I was very lucky.  Were you awarded any back pay for the time that they should have been paying you?  I have been on long term disability for just over 3 years and was  awarded back pay for nearly 18 months of when I should have been receiving social security. Unfortunately, I have to give the majority of the nearly $20,000 to the long term insurance company for over payment.  This really sucks, because it would have been really nice to be able to have that money to pay off medical debt.  One nice this though, is that my long term insurance company will still continue to pay a small benefit every month to supplement the social security.  I am actually getting about $100 a month raise, which I am referring as my crohn's promotion.(something to make my wife proud. lol)
To all of those that are going through the process still, good luck and don't give up.

keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 5/22/2008 6:16 AM (GMT -7)   
tsitodawg, congratulations to you too!  How great  raise.  My LTD started in I think 4/07 & the SSDI will go back to 1/12/07.  I do know I will have to repay LTD from 4/07 to present & also $5000 to the lawyer.  So I will be lucky if I have any left, I might even be in the negative & owe more. Although in the long run it was a better choice to continue with the SSDI claim.   I'm confused when you said your LTD still pays you.  How does that work?  I'm suppose to be getting a letter soon explaining the payments.  Also, do you know what it meant when the letter stated "we will determine nonmedical" coverage soon?  Thanks again for you reply.  cool
Dx with CD 1987, 3 resections, 3 abcess sx, DDD neck/2 hernitated disks w/cervical radculpathy, DDD back & hips, bulging disk, Major depression/anxiety, kidney stones & sx to remove, now 45 yrs old.  Still trying to figure this disease out & of course all the little extra complications that come with this rollarcoaster of a life with CD. Possible cervical neck fusion to be scheduled.
 
Meds:Humira 40mg every other wk, Imuran .75 daily, welchol 625 x 3 daily, cymbalta 60 mg daily, fish oil, vit e,folic acid,Vit B12,inject monthly, Oscal w/Vit D, vicodin 4-5 daily 7.5
 
         
 
 


tsitodawg
Veteran Member


Date Joined Sep 2006
Total Posts : 845
   Posted 5/22/2008 6:40 AM (GMT -7)   
I am sorry to hear that you have to pay for your lawyer, my insurance company paid for all of that for me.  As for the monthly benefit that I will be receiving from my long term insurance company, the policy that I have from my employer ensures that you will have atleast the same amount of money coming in every month after you are approved, as from before you were approved.  For example, if you were receiving $1000 a month from the long term insurance before you applied, but now that you are approved for SSI and your checks are for $900 from the government; the long term insurance company will pay you the difference to make up the lost $100 that you were paid previously.  The way that I got a raise, was that my SSI amount was within $80 of my long term payout and my policy guarentees that the long term disability checks have to be a minimum of $162.  So I can officially say that I got a crohn's disease promotion.  (I know that it is not much, but it still makes me feel good)  All of this depends on the policy that your employer has with their long term insurance company.  I was employed with America Online, and their insurance company is Unum Provident.  I am so relieved to have the S.S.I approved, because Unum was such a hard company to deal with.  They made it so hard for my doctors to have continuous approval and were actually harder on me than the S.S.I. process.  Even though I had a disease that was not going to go away, they were constantly questioning everything that my doctor sent them.  I had a positive diagnosis over 3 years ago, but they were still sending paperwork every 6 month for recertification.  My doctors got to the point that they were getting angry with the company for making them feel like they were being dishonest.  Come to find out, there was a class action lawsuit again them that they lost, for not certifying other people who were 100% disabled.  Once they found out that I qualified for S.S.I., they were suddenly really nice and were more than happy to hire and pay for a lawyer for me.  It is amazing the difference in a little bit of news of possible money savings for them, made them become so nice and supportive.

keepingthefaith
Regular Member


Date Joined Aug 2006
Total Posts : 331
   Posted 5/26/2008 2:28 PM (GMT -7)   
tsitodawg,  thank you so much for the info.  Isn't that very interesting about that class action suit.  I swear, the medical & insurance industries have just become a business making money, not caring for the patient at all.  I haven't recd my letter indicating the amounts that I will be receiving.  I pray I will continue to receive benefits from the LTD to make up the difference.  I will keep you posted & I hope you are feeling good today.  Maybe when you feel up to it, maybe, you can tell us your story.  God Bless.

Dx with CD 1987, 3 resections, 3 abcess sx, DDD neck/2 hernitated disks w/cervical radculpathy, DDD back & hips, bulging disk, Major depression/anxiety, kidney stones & sx to remove, now 45 yrs old.  Still trying to figure this disease out & of course all the little extra complications that come with this rollarcoaster of a life with CD. Possible cervical neck fusion to be scheduled.
 
Meds:Humira 40mg every other wk, Imuran .75 daily, welchol 625 x 3 daily, cymbalta 60 mg daily, fish oil, vit e,folic acid,Vit B12,inject monthly, Oscal w/Vit D, vicodin 4-5 daily 7.5
 
         
 
 

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