Disability/Insurance

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DQueen
Regular Member


Date Joined Jun 2008
Total Posts : 90
   Posted 1/4/2013 9:38 PM (GMT -6)   
Hey everybody!
I was just curious if anyone has any advice or thoughts on disability? I've never applied before, but my husband's supervisor at work suggested we look into it because I cannot work full-time anymore, & my husband's insurance covers less & less for me each year. We are getting really frustrated and just not sure what to do. Any advice would be appreciated! Thanks!! :-)
Lots of love,
DQueen

Diagnosis: Lupus, Rheumatoid Arthritis, Reynauds, Gout, High Blood Pressure, Anemia, Congestive Heart Failure, Chronic Kidney Disease

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 1/4/2013 9:46 PM (GMT -6)   
I'm in the process of waiting for my first answer. I am drawing long term disability right now with a private insurance.

The paperwork is not too bad. It just took 2 hours online to fill out the first application. Then they send you 5 packets of 8 pages each to fill out and return within 10 days. I spent 4 hours trying to understand them and fill out. So really not too bad (tongue in cheek).....
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

DQueen
Regular Member


Date Joined Jun 2008
Total Posts : 90
   Posted 1/4/2013 9:51 PM (GMT -6)   
Thanks for the info! This may be a stupid question, but if I was approved for disability, would I still need insurance through my husband, or does that cover insurance as well??
Lots of love,
DQueen

Diagnosis: Lupus, Rheumatoid Arthritis, Reynauds, Gout, High Blood Pressure, Anemia, Congestive Heart Failure, Chronic Kidney Disease

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7725
   Posted 1/4/2013 10:36 PM (GMT -6)   
If you are approved for Social Security Disability, there is a waiting period (Sorry, I forget how long) and then you are covered by Medicare.
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 1/5/2013 12:54 AM (GMT -6)   
2 year waiting period on getting medicare.
You can get pre-existing insurance but you have to be without insurance for 6 months before your approved and have a letter of refusal from a company you were turned down from.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

DQueen
Regular Member


Date Joined Jun 2008
Total Posts : 90
   Posted 1/5/2013 5:40 PM (GMT -6)   
Thank u guys so much for the info! Now my next question - is Medicare pretty good about covering stuff?
Lots of love,
DQueen

Diagnosis: Lupus, Rheumatoid Arthritis, Reynauds, Gout, High Blood Pressure, Anemia, Congestive Heart Failure, Chronic Kidney Disease

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7725
   Posted 1/5/2013 8:55 PM (GMT -6)   
I don't know about raw Medicare, but there are a variety of options, called "Advantage Plans" that you pay for on top of Medicare. Some of them are pretty good. I use a Humana plan and it has covered everything I've needed. Covered both the Drs I used before the plan and new ones without issues.
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 1/5/2013 11:29 PM (GMT -6)   
My mother has Humana as a tack on to her medicare, too.

You will need to get parts A, B, C, & D to be fully covered.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

Lynnwood
Veteran Member


Date Joined May 2005
Total Posts : 7725
   Posted 1/6/2013 12:08 AM (GMT -6)   
No, you don't have to have a,b,c&d - the advantage plans have different combinations and often it's best to choose based on your prescriptions, believe it or not! You pay for b, get a automatically, and the advantage is c-d, depending. The SSD & Medicare websites describe it very well, and the insurance companies also do a good job. It takes a while to see how all the puzzle pieces fit (thus kinda' good for the wait period, lol), but they do fit together nicely and give you lots of options.
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 1/6/2013 5:27 AM (GMT -6)   
Ok, my mistake. My mother had all of them. I assumed it was all required.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

DQueen
Regular Member


Date Joined Jun 2008
Total Posts : 90
   Posted 1/7/2013 10:15 PM (GMT -6)   
Great! Thank u all! :)
Lots of love,
DQueen

Diagnosis: Lupus, Rheumatoid Arthritis, Reynauds, Gout, High Blood Pressure, Anemia, Congestive Heart Failure, Chronic Kidney Disease
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