Re: [TMIC] Working With a Disability in California
Lynn Thanks for the explanation of how the Ticket to Work is used. Sometimes I have enough energy that I think I could try some kind of work, however, like other's on the list, my employer's long-term-disability insurance checkwould as soon as I try any type of employment. Even if I worked two hours a week I would loose my entire check - not just the difference between the LTD check and what I could earn working. So, they set themselves up. I get that check until I'm 65. My work will have to be volunteer or anything unpaid. Patti - Michigan Lynn Pouliot [EMAIL PROTECTED] wrote: = Hi Everyone, I am on ssdi and I have gone back to work. The government really worked with me to help get back to work. I got a ticket to work in the mail with my information about ssdi. This is kind of a safe way to go back to work. When you call the number on the ticket they give you names of people who will help you get back to work. I met with my career counselor to discuss what I would be able to do. I can't do what I used to (I was a medical assistant) because there is just too much walking around, but I am working in a doctor's office doing recpetionist/insurance verification. He helped me put together a resume and help find places that where looking for help. He also explain exactly how it works with the ssdi. I get my whole disability check while I am still working for 1 year regardless of how much money I make. During that year I can stop working at any time if I have to and there is no stop in my checks or new application. After that year I only get a check if my income is below a certain amount (I think it is $640) which I will definetly go over. For five years I can go back on disability if I am incapacitated by the same illness or anything caused by it without having to reapply. This is kind of a cushion to help people go back to work. I started working in september and so far I am still working. I am so happy to be doing something productive and getting out of the house. Lynn (in RI) - Original Message - From: [EMAIL PROTECTED] To: [EMAIL PROTECTED] ; tmic-list@eskimo.com Sent: Monday, May 28, 2007 11:39 PM Subject: Re: [TMIC] Working With a Disability in California Hi Todd, If I were to get strong enough to know that I were able to make the transition back to work, it would be great. I certainly would be able to make more money than I do on disability and would feel much more productive. It's really difficult when you know though that you would be making a huge mistake if you are jeopardizing your finances if you fail. To know that your income could seize from your disability and I am not sure of how it would work with SSDI. Not sure about the posibility of having to reapply and get re-approved. I certainly hope that there aren't any people in our group that are making this mistake and getting themselves in this kind of trouble. My eight year anniversary with TM is 6/1/07, so I don't think I'm going to be getting strong enough to get back to work now. Hugs to all, Barbara A in sunny and warm Auburn, CA -- See what's free at AOL.com.
Re: [TMIC] Working With a Disability in California
Hi Everyone, I am on ssdi and I have gone back to work. The government really worked with me to help get back to work. I got a ticket to work in the mail with my information about ssdi. This is kind of a safe way to go back to work. When you call the number on the ticket they give you names of people who will help you get back to work. I met with my career counselor to discuss what I would be able to do. I can't do what I used to (I was a medical assistant) because there is just too much walking around, but I am working in a doctor's office doing recpetionist/insurance verification. He helped me put together a resume and help find places that where looking for help. He also explain exactly how it works with the ssdi. I get my whole disability check while I am still working for 1 year regardless of how much money I make. During that year I can stop working at any time if I have to and there is no stop in my checks or new application. After that year I only get a check if my income is below a certain amount (I think it is $640) which I will definetly go over. For five years I can go back on disability if I am incapacitated by the same illness or anything caused by it without having to reapply. This is kind of a cushion to help people go back to work. I started working in september and so far I am still working. I am so happy to be doing something productive and getting out of the house. Lynn (in RI) - Original Message - From: [EMAIL PROTECTED] To: [EMAIL PROTECTED] ; tmic-list@eskimo.com Sent: Monday, May 28, 2007 11:39 PM Subject: Re: [TMIC] Working With a Disability in California Hi Todd, If I were to get strong enough to know that I were able to make the transition back to work, it would be great. I certainly would be able to make more money than I do on disability and would feel much more productive. It's really difficult when you know though that you would be making a huge mistake if you are jeopardizing your finances if you fail. To know that your income could seize from your disability and I am not sure of how it would work with SSDI. Not sure about the posibility of having to reapply and get re-approved. I certainly hope that there aren't any people in our group that are making this mistake and getting themselves in this kind of trouble. My eight year anniversary with TM is 6/1/07, so I don't think I'm going to be getting strong enough to get back to work now. Hugs to all, Barbara A in sunny and warm Auburn, CA -- See what's free at AOL.com.
Re: [TMIC] Working With a Disability in California
Hello Lynn and TMIC group, Thank you so much for clearing up the SSDI return to work issues. It is so good to hear from somebody who has been there, done that, so to speak. And, it's wonderful to know that it can a really good personal experience all the way around and to be able go back to work. To be able to add that income back into the household again, a huge bonus. Congratulations! Just to clarify, my original comments were really to let people know how dangerous it can be if you do not understand your LTD policy coverage and how it works. Believe me, they are more than happy to get you off of their payrolls. Hugs to all, Barbara A in Auburn, CA ** See what's free at http://www.aol.com.
Re: [TMIC] Working With a Disability in California - Barbara, Everyone
_ERISA Law Group: Disability Lawyers_ (http://www.theerisalawgroup.com/?gclid=CMWBmbK3tIwCFQavQAodvxiCLA) this is in California ** See what's free at http://www.aol.com.
Re: [TMIC] Working With a Disability in California
Hi Barbara A, You are so RIGHT. I too have LTD that makes it hard for me to even think about going back to work. Thank you for reminding us, who does have LTD and what it would do if we did go back to work. Todd in CC, TX [EMAIL PROTECTED] wrote: Hi Todd, This would and could really mess up my LTD insurance from my employer though. Everybody needs to know how their disability insurance from their employer works if they are going to try to return to work. In my case, if I were to try to return to work, and worked for a short time, then not be able to continue, I would lose my LTD disability benefits. This is true even on a part-time basis. If I were to ever try to get another job at a later date and attempt to get LTD coverage again, I would then also have a pre-existing condition. This is true even with the same company. If I ever returned and left due to not being able to work, my same company would never hire me back. But, they'd sure love to get me off of their disability payment role. I'm costing them too much money, and will continue until I am capable of working full-time or reach age 65. This has nothing to do with SSDI or SSI, however, it is very important to know. Please review your documentation if you do not already know the ins and outs of your plan. Hugs, Barbara A - See what's free at AOL.com.
Re: [TMIC] Working With a Disability in California
Hi Todd, If I were to get strong enough to know that I were able to make the transition back to work, it would be great. I certainly would be able to make more money than I do on disability and would feel much more productive. It's really difficult when you know though that you would be making a huge mistake if you are jeopardizing your finances if you fail. To know that your income could seize from your disability and I am not sure of how it would work with SSDI. Not sure about the posibility of having to reapply and get re-approved. I certainly hope that there aren't any people in our group that are making this mistake and getting themselves in this kind of trouble. My eight year anniversary with TM is 6/1/07, so I don't think I'm going to be getting strong enough to get back to work now. Hugs to all, Barbara A in sunny and warm Auburn, CA ** See what's free at http://www.aol.com.
Re: [TMIC] Working With a Disability in California - Barbara, Everyone
Hi Barbara, All, I also had LTD Disability until my highly paid neurologist made a mistake on a medical review form. He was about to move to a big new job and clearly wasn't paying attention. Among other things, he wrote that I could bend, get on all fours, and sit for 8 hours. All totally wrong, and just what the insurance company needed to stop my payments. I got the doctor to write a letter admitting that he was wrong, but of course, the LTD company said his letter wasn't 'credible' and I never got my LTD reinstated. So all I have is SSDI, which I am grateful for, and would be on the street without, but I lost half of my monthly income. Just a message to say what I'm sure you already know, make sure you see every form your doctors fill out before they go anywhere. Btw, the insurance company was notorious for denying and terminating legitimate claims, and has been sued by many states. Just my 1 1/2 cents. :) Kevin [EMAIL PROTECTED] wrote: Hi Todd, This would and could really mess up my LTD insurance from my employer though. Everybody needs to know how their disability insurance from their employer works if they are going to try to return to work. In my case, if I were to try to return to work, and worked for a short time, then not be able to continue, I would lose my LTD disability benefits. This is true even on a part-time basis. If I were to ever try to get another job at a later date and attempt to get LTD coverage again, I would then also have a pre-existing condition. This is true even with the same company. If I ever returned and left due to not being able to work, my same company would never hire me back. But, they'd sure love to get me off of their disability payment role. I'm costing them too much money, and will continue until I am capable of working full-time or reach age 65. This has nothing to do with SSDI or SSI, however, it is very important to know. Please review your documentation if you do not already know the ins and outs of your plan. Hugs, Barbara A See what's free at AOL.com http://www.aol.com?ncid=AOLAOF0002000503.
Re: [TMIC] Working With a Disability in California - Barbara, Everyone
Not only make sure you see every form your doctors fill out before they go anywhere, also get copies ASAP for your files. You never know when you will need them. Candis Kalley [EMAIL PROTECTED] EarthLink Revolves Around You. - Original Message - From: Kevin Wolfthal To: Tmic-list@eskimo.com Sent: 5/27/2007 4:05:25 AM Subject: Re: [TMIC] Working With a Disability in California - Barbara, Everyone Hi Barbara, All, I also had LTD Disability until my highly paid neurologist made a mistake on a medical review form. He was about to move to a big new job and clearly wasn't paying attention. Among other things, he wrote that I could bend, get on all fours, and sit for 8 hours. All totally wrong, and just what the insurance company needed to stop my payments. I got the doctor to write a letter admitting that he was wrong, but of course, the LTD company said his letter wasn't 'credible' and I never got my LTD reinstated. So all I have is SSDI, which I am grateful for, and would be on the street without, but I lost half of my monthly income. Just a message to say what I'm sure you already know, make sure you see every form your doctors fill out before they go anywhere. Btw, the insurance company was notorious for denying and terminating legitimate claims, and has been sued by many states. Just my 1 1/2 cents. :) Kevin [EMAIL PROTECTED] wrote: Hi Todd, This would and could really mess up my LTD insurance from my employer though. Everybody needs to know how their disability insurance from their employer works if they are going to try to return to work. In my case, if I were to try to return to work, and worked for a short time, then not be able to continue, I would lose my LTD disability benefits. This is true even on a part-time basis. If I were to ever try to get another job at a later date and attempt to get LTD coverage again, I would then also have a pre-existing condition. This is true even with the same company. If I ever returned and left due to not being able to work, my same company would never hire me back. But, they'd sure love to get me off of their disability payment role. I'm costing them too much money, and will continue until I am capable of working full-time or reach age 65. This has nothing to do with SSDI or SSI, however, it is very important to know. Please review your documentation if you do not already know the ins and outs of your plan. Hugs, Barbara A See what's free at AOL.com.
Re: [TMIC] Working With a Disability in California - Barbara, Everyone
Larry, Talked to several lawyers. Both about suing the doctor and suing the insurance company. Re: suing the doctor, lawyers said it wasn't really malpractice, (it is to me), so they wouldn't take it. The EXPERIENCED lawyers wanted a lot of money up front. I did in fact get one lawyer to take the case against the LTD on contingency, but he had no experience with ERISA law, and gave up. ERISA = *Employee Retirement Income Security Act --- Very conplex law that requires a specialist, and there aren't too many lawyers that understand it. As far as me getting screwed as you so delicately put it, the company lost an account worth hundreds of thousands of dollars because of what they did to me. It would have been much smarter, and cheaper, for them to pay me. You never know who has friends responsible for signing contracts with insurance companies. ;-) Kevin * Larry Throne wrote: Kevin, Did you ever talk with a Lawyer? It sounds as though you might have had two cases here. One against the LTD company and another against the Doctor. The problem is the time factor has most likely passed. Sorry you got screwed my friend. Larry in Rainy Oklahoma From: /Kevin Wolfthal [EMAIL PROTECTED]/ To: /Tmic-list@eskimo.com/ Subject: /Re: [TMIC] Working With a Disability in California - Barbara, Everyone/ Date: /Sun, 27 May 2007 04:03:32 -0400/ Hi Barbara, All, I also had LTD Disability until my highly paid neurologist made a mistake on a medical review form. He was about to move to a big new job and clearly wasn't paying attention. Among other things, he wrote that I could bend, get on all fours, and sit for 8 hours. All totally wrong, and just what the insurance company needed to stop my payments. I got the doctor to write a letter admitting that he was wrong, but of course, the LTD company said his letter wasn't 'credible' and I never got my LTD reinstated. So all I have is SSDI, which I am grateful for, and would be on the street without, but I lost half of my monthly income. Just a message to say what I'm sure you already know, make sure you see every form your doctors fill out before they go anywhere. Btw, the insurance company was notorious for denying and terminating legitimate claims, and has been sued by many states. Just my 1 1/2 cents. :) Kevin [EMAIL PROTECTED] wrote: Hi Todd, This would and could really mess up my LTD insurance from my employer though. Everybody needs to know how their disability insurance from their employer works if they are going to try to return to work. In my case, if I were to try to return to work, and worked for a short time, then not be able to continue, I would lose my LTD disability benefits. This is true even on a part-time basis. If I were to ever try to get another job at a later date and attempt to get LTD coverage again, I would then also have a pre-existing condition. This is true even with the same company. If I ever returned and left due to not being able to work, my same company would never hire me back. But, they'd sure love to get me off of their disability payment role. I'm costing them too much money, and will continue until I am capable of working full-time or reach age 65. This has nothing to do with SSDI or SSI, however, it is very important to know. Please review your documentation if you do not already know the ins and outs of your plan. Hugs, Barbara A See what's free at AOL.com http://www.aol.com/?ncid=AOLAOF0002000503. PC Magazine's 2007 editors' choice for best Web mail---award-winning Windows Live Hotmail. http://g.msn.com/8HMAENUS/2740??PS=47575
Re: [TMIC] Working With a Disability in California
Hi Todd, This would and could really mess up my LTD insurance from my employer though. Everybody needs to know how their disability insurance from their employer works if they are going to try to return to work. In my case, if I were to try to return to work, and worked for a short time, then not be able to continue, I would lose my LTD disability benefits. This is true even on a part-time basis. If I were to ever try to get another job at a later date and attempt to get LTD coverage again, I would then also have a pre-existing condition. This is true even with the same company. If I ever returned and left due to not being able to work, my same company would never hire me back. But, they'd sure love to get me off of their disability payment role. I'm costing them too much money, and will continue until I am capable of working full-time or reach age 65. This has nothing to do with SSDI or SSI, however, it is very important to know. Please review your documentation if you do not already know the ins and outs of your plan. Hugs, Barbara A ** See what's free at http://www.aol.com.
