Bloody insurance companies! I absolutely hate them.
Due to Parkinson's and other neurological issues, I can no longer work; I wish I could be a contributor, but unable to do so. It seems as though anyone who is disabled is looked down upon and discriminated against in some fashion or another. It's not like we like to be this way. Not all of us are out there to ride the system for free. Like any support network, there are those that like to take advantage of the system, but in general these people really are in the minority. Many of us contributed quite a bit to the system as we worked full-time jobs. Being on disability is no fun. Our income is set to just get us by at the barest minimum. We can't have a savings of any kind, can't have any form of investments, own home not counted, and are constantly watched, questioned, montiored, and even audited.
Having said this, I now live on SSDI and long term disability insurance, which I paid into through my former employer. The insurance company finds every excuse in the book not to pay out due to missing paperwork which has been sent by my doctor's office numerous times now that the anniversery of the claim has come up. Instead of them contacting the doctor, and continuing to pay me, they cancel my payments until they hear back from the doctor.
This canceled payment is 50% of my income meaning I can't pay my health insurance (I don't get Medicare until March 2015), among other things including my mortgage, car payments, etc. Because I can't afford my health insurance, I can't afford my medication which runs about $1200 per month without it for only 2 of the meds. If I suddenly stop these meds, I won't just get sick, I can end up in a coma or possibly die since one of them is an MAOI-B inhibitor. If I quit this one, I'll end up with a neuroleptic malignant syndrome, which can be deadly. The representatives at the insurance company don't get this, and keep citing company policy notes.
The suck part is I got this news on New Year's Eve at 6:00 pm when the mailman came via a letter from the insurance company. This totally ruined my holiday and weekend, and I haven't slept in 4 days.
	
		
			
		
		
	
				
			Due to Parkinson's and other neurological issues, I can no longer work; I wish I could be a contributor, but unable to do so. It seems as though anyone who is disabled is looked down upon and discriminated against in some fashion or another. It's not like we like to be this way. Not all of us are out there to ride the system for free. Like any support network, there are those that like to take advantage of the system, but in general these people really are in the minority. Many of us contributed quite a bit to the system as we worked full-time jobs. Being on disability is no fun. Our income is set to just get us by at the barest minimum. We can't have a savings of any kind, can't have any form of investments, own home not counted, and are constantly watched, questioned, montiored, and even audited.
Having said this, I now live on SSDI and long term disability insurance, which I paid into through my former employer. The insurance company finds every excuse in the book not to pay out due to missing paperwork which has been sent by my doctor's office numerous times now that the anniversery of the claim has come up. Instead of them contacting the doctor, and continuing to pay me, they cancel my payments until they hear back from the doctor.
This canceled payment is 50% of my income meaning I can't pay my health insurance (I don't get Medicare until March 2015), among other things including my mortgage, car payments, etc. Because I can't afford my health insurance, I can't afford my medication which runs about $1200 per month without it for only 2 of the meds. If I suddenly stop these meds, I won't just get sick, I can end up in a coma or possibly die since one of them is an MAOI-B inhibitor. If I quit this one, I'll end up with a neuroleptic malignant syndrome, which can be deadly. The representatives at the insurance company don't get this, and keep citing company policy notes.
The suck part is I got this news on New Year's Eve at 6:00 pm when the mailman came via a letter from the insurance company. This totally ruined my holiday and weekend, and I haven't slept in 4 days.


 
						 
 
		 
 
		 
 
		 
  
 
 
		 
 
		 
 
		 
	
 
 
		 Are you a native Minnesotan? I would have loved to have been a kid here, there's so much to do outdoors.
 Are you a native Minnesotan? I would have loved to have been a kid here, there's so much to do outdoors.
 
 
		 
 
		 
	 
  
