Linda t posted this under the DC thread. Any advice????? Thanks - joang
my husband was diagnosed 1 yr ago in febuary he is 56 he was showing symptoms for many years before he was having problems at work problems that he hid he didnt want anyone to know he had several friends that got him out of problems he found himself in when he was diagnosed i told the dr the kinds of thing he had problems with things like going into the wrong apartment and fixing things that werent broken and getting shocks from electricity while doing electrical work you see he worked in a maintence position in a college when he went out of work they had no short term policy so he used vacation and sick time he had accruded he was approved for ssd but had to wait 6 mts but his long term denied him we appealed and sent phyc info they denied again and said it was the last time we could appeal he was general maintenance manager when we got the deniel papers back we found they had changed his title to maintenance custodian and said there was no reason he couldnt do his job of course the change took him from a job where he would do floors and clean instead of what he was doing plumbing and electrical we brought stuff to a lawyer and here we sit we lost his insurance and whatever the differance in monies would be i have gotten insurance from my workplace not nearly so good and meds are more expensive he worked hard all his life and by the change of a title changed all he was entitled to
I can honestly say the work disability insurance is completely different than the guidelines that Social Security uses. You can qualify as disabled under Social Security and not qualify under some of the work plans. The only option would be an Attorney and even then the policy could read that he does not have to be able to do the job he is fitted for, the change in work title can be their way out. I am so sorry.
What Jane says is true. My husband receives SSDI and long term disability from his employer. The LTD company just changed their definition of "disabled". It used to be that he couldn't do the job he had held when he went on disability, but now it is defined as not being able to do ANY job that he has the education/experience to do. We had to have his doctor fill out a form stating he could not do ANY job due to his cognitive abilities, can't drive, etc. The LTD company then sent us a letter stating he met their new definition of disabled.