lupus and long term disability ins

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painfullygoingsimple
New Member


Date Joined Nov 2008
Total Posts : 3
   Posted 11/5/2008 6:59 PM (GMT -7)   
Has anyone found a company that will write a policy for long term disability with Lupus. smurf

okie
Veteran Member


Date Joined Dec 2006
Total Posts : 2818
   Posted 11/5/2008 7:40 PM (GMT -7)   
I'm sorry I guess I don't understand what you are asking. You mean somone that will take it to court to represent you? I didn't have to go through that stuff so you probably are saying it just right it's me with the bubble brain. I hope somone here can help.
hugs
carol
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AlwaysRosie
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Date Joined Jan 2005
Total Posts : 8616
   Posted 11/6/2008 5:55 AM (GMT -7)   
Hi Pain,

I think that would easiest to get through an employer. But if you are asking about it, I guess you are trying to get it individually. I'm not sure how that works even for a group. When I had coverage at work, I had to fill out a form, but I wasn't dx'd yet and didn't realize I had any big issues . . . so I don't remember if there were health questions or not.


Carol . . . long term disability is an insurance policy that will pay a portion of your wages if you are sick/injured and unable to work for a long period of time.


I bet Lynnwood knows something about this.

Blessings!

In His Grip

AlwaysRosie           "We can't control the waves, but we can learn how to surf!!"

Psalms 139

Co-Moderator - Lupus Forum

UCTD, Inflammatory Arthritis, Diverticulosis, (recent dx - Sjogrens, Crohn’s 4/08)

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Lynnwood
Forum Moderator


Date Joined May 2005
Total Posts : 7019
   Posted 11/6/2008 8:08 AM (GMT -7)   
I purchased a private long term disability policy years ago, long before lupus arrived on the scene, and it has saved my @ss financially since I got sick.

However, I know nothing about getting a LTD policy *after* you get sick -- I doubt that could happen with a *private* policy like mine, but maybe if you were a member of a group -- like through work -- sometimes you can get these things thru a professional organization or AARP or ???

Sorry I don't have better news,

Lynnwood, Co-Moderator: Lupus Forum
SLE(’00), Sjogren's Syndrome, Raynaud's Syndrome, Seasonal Affective Disorder, Depression, Herpes Simplex 1
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