open enrollment and long term disability

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Regular Member

Date Joined Jan 2015
Total Posts : 49
   Posted 10/22/2015 9:46 PM (GMT -6)   
I could really use some advise. I am in the process of being diagnosed with some type of autoimmune. As of now they are ruling our lupus, RA and MS, So in the end I may have MCTD. I am currently debating if it would be wise to start up a long term disability policy at this time or not(?) I am afraid if I wait then it will be too late but as other have said that not everyone reacts the same to anyone of the above mentioned AI and I may never need it and it can be very costly. I am interested in what others have done or now looking back would you get Disability insurance?


Veteran Member

Date Joined May 2005
Total Posts : 7720
   Posted 10/23/2015 8:05 AM (GMT -6)   
Yes, yes, yes!

I bought disability insurance some years BEFORE I even suspected Lupus, I didn't find it costly at all (of course, that was way back in 1990). Once I was diagnosed and had to quit working the extra money has come in VERY handy!!!

Of course, if you are already in process and answer questions / physical honestly it may be hard to get, plus I understand policies are nothing like the "Cadillac policies" that used to be offered.
Lynnwood, Lupus & Sjogren's Moderator, Dx: 2002
"Life is far too important to be taken seriously." - Oscar Wilde

Elite Member

Date Joined Jul 2009
Total Posts : 14475
   Posted 10/23/2015 11:17 PM (GMT -6)   
I survived off of long term disability insurance my first two years out of work. Make sure it will continue after you start SSDI. Mine stopped when I got SSDI. Wish I had read the small print first.
Lupus, RA, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Depression, Allergies, diabetes, and benign familia tremors

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

Veteran Member

Date Joined Apr 2006
Total Posts : 1342
   Posted 11/8/2015 5:58 PM (GMT -6)   
If you have paid into social security you can also apply for disability but the first 6 months are excluded. It is not easy to get and you must be unable to work for at least 1 year so it often take several applications to get it. Since that fund is separate from regular SS I think they might be getting tougher. Congress just put more money into disability so it would not run out next year. Regular SS is fully funded for another 20 years then about 75% unless congress adjusts SS.

I was on it for 2 years before being eligible for regular SS.

MCTD (SLE Lupus, polymyositis, scleroderma). Diagnosed 2005. Kidney, liver, GI tract, dysphagia, raynauds, barretts esophagus, quadriplegic in 2005. Recovered and now active in downhill skiing, golf, hiking. Meds: amlodipine, benezapril, omeprazole, potassium, folic acid, vitamins, maxide.

Remain Optimistic and you can overcome.
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