I'm sorry to hear the stress and harassment you have been put through with your LTD company. It truly is a shame that we or our employers pay for these premimums and we get treated so poorly because insurance companies don't want to pay out. I too have heard many a horror story.
I am currently on short term disability, have applied for SSD and will be applying for LTD in a few months, I pray that I am not put through this torture as well. My rheumy has already written in his notes that get sent to MetLife that part of reason he feels I cannot get well and the reason he feels I have begun having anxiety is because I am so worried about
my job and about
keeping my short-term disability date "approved." I was rather shocked when I received a copy of the office notes, but he is absolutely right, I mean how can we get well if we have the constant worry over our heads that we could loose everything tomorrow? We have to have our benefits, we have to have a paycheck of some sort to keep going and these are all things we worked hard for, for many years and are entitled to. There is not a day that goes by that I don't feel I have to do something to make my insurance company happy, or that it isn't in the back of my mind. It is almost a form of harassment and I'll never get well at this rate!
If you go back to work and feel as though it is something you are not able to handle, by all means go forward with the LTD since your doc feels he has adequate information to get you approved. What these companies are doing to us is not right, they should be sued!
Do you mind telling me if your company is the same as mine? MetLife? I just want to know what I am up against if it is that's all. If you don't want to state either way I understand.
Take care of yourself and don't over do it.
Lupus - 1997 Fibro - 2001 Sjorens - 2007 Raynauds - 2008
Plaquenil, Imuran, Prednisone, Synthroid, Topomax, Effexor, Norco, Prilsec, Xanex, Elidel, Restasis
Post Edited (Melissa D.) : 2/26/2009 12:50:11 PM (GMT-7)