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 - 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
