OK LTD Company investigated me!

My goodness it has been a harrowing day. Today I got the files from my LTD ins. co upon which they based discontinuation of my benefits. Regardless of what anyone says, writes, or thinks, I am simply not up to resuming full time teaching. Period. That is just how it is. This ins co actually spent a LOT of money on private investigators to stake out my house, many times early in the a.m. as they thought I was working and defrauding. I had made it clear to them that I need 10 hours of sleep per night (hence no early rising for me). So they had some investigator sitting outside my house many days at 6 a.m. I get up around 10:00 a.m. and am not out the door until around 1:00 p.m. to do errands, etc.

PLUS, yes I have been traveling WHILE I STILL CAN (God forbid, but with gut adhesions in remission one never knows) so had they paid attention to the dates of my being away traveling or visiting they would have known I was not even home.

THEN they followed the lawn mowing man to his apartment thinking he was my boyfriend and thought I would be awaiting his return at his apartment.

Plus apparently they were on my property looking into and behind my garage. Sometimes they did register with the police other times they did not.

I called the ins co analyst and I said I would have been happy to just sit down and speak with them about how taking a vacation is not like full time teaching....12 hour days and so on. They also did find that I had some info on some web site about gut adhesions but so, yeah, I have experience with that.

My whole being injured medically, then all the "it's all in your head crap" then being investigated like I am some type of criminal is beyond belief! All I can say is that I better NOT get billed for the investigators they hired to investigate me. Can anyone top this? I am absolutely beside myself. Rosemary

I am doing my appeal letter now. I end with analysts and doctors can write what they write. But only the patient knows how they feel and what they are up to and not up to. The iatrogenically injured patient has to fight for their life. Then it seems they have to fight politics for the rest of their life, however long that may be. Please consider my appeal.

Then I accounted for my sleeping late, the guy mowing the lawn, and the green vans which were the DPW pumping out my flooded basement. Oh, lordy. I am appauled at what people do to one another. Each time I go to write my book, some worse thing comes along. I have NO CHANCE at winning this appeal, but at least I am trying. I keep it civil and actually compliment the rep I am dealing with as she is at least empathetic. Thanks for your message. Rosemary

Thanks Hodaya. I just finished the investigation rebuttal and am proof reading it. What a thing. I just gotta stay OK. Once a patient gets injured by a doc they are toast for the rest of their life politically if not physically. If someone is hit by a car or has an honest dieseas they are regarded more highly. I could never move far enough to get away from the stigma. It is all such a nightmare, RJ

i know what you mean. you'd think they will have compassion for all you've been through, but it's like you're being investigated as if YOU were a criminal.... as Gilda said, what THEY'RE doing is a crime. keep us posted.

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Hodaya
06/05/2007 - STARR procedure
colonic inertia w/pelvic floor dysfunction
08/16/2009 - total colectomy w/ileorectal anastomosis
07/08/2010 - loop ileostomy

Is there anyway you can get an archive of your posts here on HealingWell? I'm just thinking you can use it as evidence about what you have to go through everyday. By showing posts of you sharing your experiences on here may hellp some, at least I'd think. Also, if you had any trouble with proving you were home, all posts are time stamped...that could possibly help?!

I find it completely outrageous! I mean I do understand that insurance companies need to cover the butts, but really? I'd give them hell :)

Thanks Riddle. I appreciate your thoughts. BUT I could actually be politically screwed over MORE if these posts were ever found. It is me being PUBLIC about my case. In fact one of the people who investigated me said they Googled my name and found that I had made a post about post-op adhesions. No big deal, but I have also posted about my case, likely not smart of me to have done that, but there comes a point where you have to have the support you need to survive, hence my joining this site. PLUS, I have info on the medical political world that I honestly feel others should be warned of or be made aware that it exists.

As far as proving I was home, I could have done these posts from anywhere in the world on any computer. There is an old saying, "Anything you say can and will be used against you in a court of law." That applies to anyone who has been injured at the hands of the medical world. Sunday, today, I am vowing to finish up my defense of this silly undeserved investigation, merge it with a chronology of my whole ordeal, a copy of my law suit, my final claim appeal, an article about how horridly Iatrongenically injured patients are treated even politically even if they get their life saved, cc the whole thing to my atty and to my school, and end with a closing statement, "I would challenge anyone to go through what I did and be able to resume the rigors of full-time teaching as though nothing had happened to them. I know that I cannot. Respectfully submitted, Rosemary" send it to the ins co, Then the chips will fall where they will.

Then off on my next vacation. If I was totally secure that I would remain physically OK this would all not get me so much, but the truth is I could reobstruct of some left over adhesion at any second, would die, and nobody would give a flying hoot that I am dealing with; the "system" would just say "one less." It's a truly scary world. BUT with the better scenario I will stay OK, enjoy life as much as I can, successfully sue, then hopefully be able to affect some sort of change. I want to work toward getting better legislation to get repeatedly sued surgeons out of the OR. My defendants do the same procedure as they did on me twice per week. The lucky patients end up with bags and the unlucky just die. This goes on twice per week. This is criminal medicine for profit and there is no vehicle to prevent it. Even if I win my suit and recoup all lost benefits and so on, my defendants will keep on doing this. The Med Board is FOR doctors, not patients. I talked to an iatrogenically injured man and he said we need a patient board of medicine in each state where repeat offender docs are dealt with. What I learned is that unless a doc breaks a law as in drug abuse, sexual molestation, non-payment of taxes and so on, they are immune from consequence. This I have found to be true. My defendants have a team total of 13 suits and 5 claims on them, that is way tooooo many. Any doc can have one or two suits in a career but 13 is over the edge. They may even have more, but 13 is all I can find.

So thanks for your ideas, I wish there were a vehicle to get injured patients not to be viewed as the criminal, but they are, sadly, plus WE get investigated. Thanks for your ideas and understanding, Rosemary

Just wanted to say that I am thinking of you Rosemary!!! 

Good luck Rosemary, and let us know when the episode is going to air! I think it's always good for us when we act with integrity, even if others can't or won't hear it. This is incredible, and very scary. Nice to know where our insurance dollars go.... hang in.

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48 years old, female.
2004 dx indeterminate colitis. Many drugs, minimal success.
2010-11 Official dx Crohn's colitis. Crazy complications -- cutaneous Crohn's, Erythema Nodosum, marginal keratitis, high fevers. Out of good drug options, tired of scary drugs.
Feb 2011 -- proctocolectomy with permanent ileolostomy; abscess, blood clot. Still healing, still glad for the surgery

Good Luck ... it is not easy taking on "the big guys" for sure.

We have been 100% in the right a few times over the years in various circumstances (nothing like what you are experiencing however) and regardless of all the facts and details we were armed with it was a lost cause. The hardest part is dealing with the fact when you know you are right and still perceived as in the wrong, not telling the truth or whatever. The personal angst it leaves you with is not fun when you are a victim of circumstance(s) and you feel your integrity has been diminished.

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64 yr old male suffered with UC & in May 06 had a severe flare & hospitalized 6 days...various prednisone treatments leading to steroid dependence and osteopenia, 12 asacol, 200 mg Imuran, failed remicade infusions Jan-May 2010 Dependence on pain meds. Made decision 6/10 to have surgery which was on 12/17/10 (total proctocolectomy & ileostomy - unable to have the j-pouch) and no longer in pain.

Did it! Tuned the tables. Provided correction to 7 of their errors in THEIR reports. Provided pics of my house that did not match the description of the one they gave in the surveillance reports. Also said as they did not see me about in the early a.m. it means I really do sleep late. Guy mowing my lawn means I can no longer mow it. Then they listed people as my "associates" that I don't even know. Then said I may have 2 residences which I do not. I didn't really have to work too hard once I got into all their paperwork as they made so many errors it just strengthened my argument for LTD.. THen went with my idea of, if none of my docs can solve the riddle of the lightheadedness and chronic fatigue maybe they can find one who can and make me ABLE To work again as that would benefit all of us. Not as hard as I thought once I saw all their errors and lack of logic. cc to atty was a nice touch too. I cannot believe they paid PI's ALL that money to survey me then they did not even see me as they came when I was sleeping. In a way this is sort of funny if viewed in the right light. NONE of it is funny, but what they paid the PI's would have equaled many months of continued benefits they could pay me. RJ