Whoas of LTD filing

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couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 8/27/2012 5:15 PM (GMT -6)   
I received a message from my LTD policy and found out some upsetting information.
Two of my doctors have not responded with information to them. They had the wrong home phone number for me. They said they sent 3 letters to me, but I got only one letter.
I sent them more information and the two latest diagnoses added. I can't figure out which doctor didn't respond to them though through the website they gave me.
 
Feeling frustrated!
 
OH, also I can't file disability with SS online because of my age. It said I was too young.
Joy
When life throws you lemons....
Pick them up and throw them right back at them! :))

NanaBee
Veteran Member


Date Joined Jun 2005
Total Posts : 541
   Posted 8/27/2012 6:50 PM (GMT -6)   
Oh Joy,

I'm so sorry you are having to go through this. I was so hoping that your experience would be much better than mine.

Keep calling them, every day, if you have to and document everything, date, time, person spoke to, etc.

As far as SS goes I had not problems filing on line for SSD. I suppose I am probably older than you, though. I am 54. I don't think there are age restrictions, though. Maybe you can call someone and they can walk you through it.

Hang in there. Just from my experience it is a long, bumpy road. So put your seat belt on. wink

If there is anything I can help you with just ask.

Hugs,
Mary Ann

Lynnwood
Forum Moderator


Date Joined May 2005
Total Posts : 7720
   Posted 8/27/2012 7:11 PM (GMT -6)   
SSD doesn't have an age requirement, however you do have to have worked and paid into the system for a certain number of quarters...don't recall the exact number but it's pretty clearly indicated on the ssd website.
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 8/27/2012 7:26 PM (GMT -6)   
I'm 44 years old and have worked since I was 18 years old. Was unemployed during 3 college years but was always paying in the rest of the years.

I went to the online site, typed in my age, and was immediately told I had to be 51 years old to use the site.
Joy
When life throws you lemons....
Pick them up and throw them right back at them! :))

FW
Regular Member


Date Joined May 2007
Total Posts : 482
   Posted 8/27/2012 8:10 PM (GMT -6)   
http://www.socialsecurity.gov/applyfordisability/Who can use the online application?

You can use the online application to apply for benefits if you:
•are age 18 or older;
• are not currently receiving benefits on your own Social Security record;
•have worked and paid Social Security taxes long enough to qualify; and
•have a medical condition that has prevented you from working or is expected to prevent you from working for at least 12 months or end in death.


Hi Joy,

I copied and pasted this from the SS website. I have not personally applied for SSD, but since I am aware that it may happen soon I have been looking into it.

Hope this helps.
Take care, Fran

Dx: Lupus, sjogren's, celiac, severe allergies.
Daily Meds: Plaquenil, Zyrtec. Aciphex, Nasacort, Prozac, Ambien CR, CellCept, Zantac, Bactrim
Daily Supplements: Calcium, B-100 Complex, Daily Vitamins.
As Needed Meds: Epinephrine, Benadryl, Proventil, Xopenex, Tylenal, Vicodin, Prednisone.

Lynnwood
Forum Moderator


Date Joined May 2005
Total Posts : 7720
   Posted 8/27/2012 8:52 PM (GMT -6)   
You may have accidentally gone to the page about collecting Social Security *at retirement* rather than the page on SS *Disability*. I suggest you look again -- I used online before 51.
Lynnwood, Lupus & Sjogren's Moderator
DIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 8/27/2012 9:03 PM (GMT -6)   
I thought it was the right one. I'm going to try again tomorrow.

I'd really rather have someone help me do it because sometimes I have trouble comprehending stuff.
Joy
When life throws you lemons....
Pick them up and throw them right back at them! :))

aimsgirl16
Forum Moderator


Date Joined Jun 2008
Total Posts : 1470
   Posted 8/28/2012 8:39 AM (GMT -6)   
I would suggest getting an attorney if you feel you will have trouble completing the application. I got one and all I had to fill out was their questionaire and do a phone interview with them. they did the rest. Contacting doctors, getting medical history, etc. Super easy on my part!!!
Amy
Lupus Moderater


dialysis from lupus nephritis

SoSt9
Regular Member


Date Joined May 2012
Total Posts : 277
   Posted 8/29/2012 2:21 AM (GMT -6)   
Hey Joy. I know I am relatively new here, but I have been through the disability road with social security. I am only in my late thirties, but when I applied, I did have to show up. I was told that it was helpful so that the people could witness the extent of the disability. Also, the guy at the office stepped me through the application. It was difficult for me to comprehend at that time too, but I was appreciative that he helped me out. I was still denied. I was told that you could be in a quadriplegic stuck in bed and unable to function and you would still be denied the first time through. The appeal process is the one where you really need all the information.

I only receive SSI. I did work, but because of why I receive disability (unrelated to any autoimmune problems) I did not work long enough to qualify for SSDI. I am grateful that I also receive medical though disability. The lack of insurance could be why I am in the shape I am in (didn't go to the dr when I was sick - unless I really hurt).

Anyway, I do know quite a bit about the process if you want to chat with me through PM (or here if you like). I also do not know what area of the country you live in, but the law firm I used was so wonderful. They will represent you through the appeal process and they are not paid unless they win. Then their payment comes out of the lump sum of the back payments that social security gives you. I do not know if it is just my state, but they were not allowed to receive above a certain amount, so I did receive quite a bit in back payments after the attorney was paid. I can't say enough good things about them though. They are good.

*smiles*
sost
Lupus? Fibromyalgia? Sjogrens? RA? Who knows. Currently in a holding pattern.

Frequent lurker... Part time poster.

aimsgirl16
Forum Moderator


Date Joined Jun 2008
Total Posts : 1470
   Posted 8/29/2012 8:23 AM (GMT -6)   
By the way...I forgot to mention, I get disability and I am 24, worked from 17-18. College attemp 18-19. then work 19-23 and became disabled and applied a few months later. An attorney is also known to help you get a little more income from SSDI than w/o one and also approved quicker.
Amy
Lupus Moderater


dialysis from lupus nephritis

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 8/29/2012 5:27 PM (GMT -6)   
Okay, Thanks guys.
I got a letter from my private LTD insurance today. They want me to sign a release for my Rhuemy to send them my records.
I'm also suposed to call a rep. on Tuesday for a discussion. (fingers crossed).

I've about decided to contact a lawyer for my SSDI.
I've got to find time to see a DFACS Rep. to start getting some medical assistance because my insurance runs out sometime next month.
Joy
When life throws you lemons....
Pick them up and throw them right back at them! :))
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