I guess I am one of the lucky ones. When I had my accident, I was enrolled in a disability plan at work. It kicked in as shortterm disability for 6 months, I believe, then it went to another form that lasted for 2 years. Then it became long term disability. After several years, they insisted that I apply for SS disability, as they planned to take off the amount I would receive from SS from what I receive from them. When forced I applied, but by applying for it early, I took a 25% reduction in what I would have drawn had I been able to wait till I was 65 LIKE I planned, when the personal disablity is done.
I applied for the SS, completed the forms, and had all my medical releases signed. about a month after I applied I got a phone call asking that I contact one of the medical providers and get the records sent as they had not been received. The caller also said: "Do not worry, you will be approved, we just need to have all the records on file. There were no additional questions, no letters, NOTHING. I then received a letter saying I had been approved, and I think I remember the check for back pay to that date was already in my bank account.
Then a couple of years into it, my private disablity carrier desided I could do some job. I sent them a letter saying as a RN, I was on meds that would disqualify me from working.I would fail any and all drug tests, due to my prescriptions. They came up with this list of jobs 90 miles away, that I could work for $12-14 an hour, (though I made $30) and then the company would continue to send me any money I was still due of the $30 hourly (60%). (This also started in 2002 when I had the accident)
I told them my disablity eval said I could not sit, stand, or remain in one position for over 30 minutes. Driving over 180 miles a day and working 8 hours a day definitely would not work. I had to fight them over and over and over. ALSO for the past 9 years, they have paid me based on a $19 hour wage for RNs. THIS WAS NOT MY WAGE, so basically they owe me about $60-70000 right now. I will take them to court. I did not want to have to do this because the attorney gets so much of it, but they just keep denying.
Unum, my carrier, is one of the companies that has a class action suit against it. It also has been fined over $40 milllion due to denying past claims. Just recently Iread of a surgeon who filed from 1996 and with interest, and money for all the aggravation he collected over $30 million.
I am tired of complying with my part of the deal and getting scr**** by the companies. I will fight and claim my due.