The Dude Abides said...
You were able to retire through your employer's disability plan? How much (or, little) of a fight was that process? I often wonder if I shouldn't have pursued a similar route through my previous employer.
I'm not asking specifics, but is the amount you receive enough for you to live? (Place to live, food, utilities, etc.)
I've no idea how disability retirement pays through an employer or through Social Security. I used to receive Social Security statements each year that would show how much I've paid into the system, as well as estimates for how much I would collect if I retired or went on disability. But, they stopped mailing those statements, long ago.
I hired a lawyer who specializes in disability retirement from my employer. It required supportive documentation from my doctor. It took a year to be approved. Payment is a greatly reduced % of the salary. It’s not enough for me.
I have not done anything to reduce my spending. I spend more on doctors, tests, supplements, food and gas than I have coming in. If I could ever get in a safe, mold free home and stable environment I would be much better off in every way. The only way I survive is with my mother. We’re both struggling financially and haven’t come to terms with it.
One important aspect is I retained my health insurance this way. That is very important.
I was required to apply for Soc Security at the same time. I sent all the medical records I had and they completely discounted anything in there stating the only disability I had was hearing impairment, LOL. It’s a joke. I didn’t want to hire another lawyer to try to get that. They make you see their doctors. My disabilities are largely caused by mold and chemical sensitivities. Imagine the difficulty of proving that without spending the rest of your life savings trying to find a suitable doctor who understands the illness and is willing to support a disability case.
Most doctors want nothing to do with supporting disability. I even saw a sign in my mom’s PCP office that stated the doctor will not provide disability documentation.
My PCP was the only doctor who helped me. The doctors who did the tests and were treating me provided nothing. It’s unconscionable to me for a doctor to diagnose and treat things like mold illness, environmental sensitivities, and Lyme disease not to provide the requested medical statements supporting their patients’ symptoms and limitations, knowing how devastating these illnesses are and the cost involved in treatment.
Post Edited (WalkingbyFaith) : 8/4/2019 8:00:33 AM (GMT-6)