Hi Jamie! I so appreciate you offering up services on MS World....thank you!
I am in the process of applying for LTD through my employer paid program as my STD ended in early December.
My MS was diagnosed in 2009 and I have been working for a few employers over this time period. In the past I had not missed work and did not take disability or FMLA (one employer company was too small to offer it). I am a married female in my later 50s with two teen daughters. My husband travels for work about 50% of the time. Sometimes it can be up to 10 days in a row and other times just a day or two.
Questions:
- the LTD policy mentions a “pre-existing conditions” clause. I have had an MS dx since 2009, long prior to eligibility and before I was employed by this current employer. My most recent issues surfaced this past calendar year. When I became eligible under the LTD policy my MS was doing quite well and overall not an issue in my job. In fact, I worked hard and long hours in a professional white collar job at an office downtown. Does this “pre-existing” clause include my MS dx back from 2009 and thus make this whole process not worth it? I can’t seem to get an answer from the insurance company.
- the insurance company has asked for copies of my psychiatrist’s notes in addition to the summary she prepared for them. (She helps me manage depression, pain, anxiety, loss, and family stuff....I have seen her for almost 10 years). I don’t know what she puts in her notes but I am sure that some of it does not relate to the current issue of my disability and is of a personal and private nature. Is this amount of information always required? And what are my risks? I know she has other patients on disability and to my knowledge she has not typicallly submitted full meeting notes.
- the ins company contracted with a 3rd party to help me apply for SSDI. Is it safe to use a 3rd party paid for by the LTD firm? If I am denied by insurance, what happens then with the SSDI application?
- do you offer your services in the State of Colorado? If not, is there an attorney (or attorneys) in this state that you could recommend. (Someone that understands the complexity of MS with other multiple autoimmune diseases).
- what can I expect to pay for legal services charge by an attorney for both LTD and SSDI?
Between my health and the holidays, I feel very overwhelmed by this process. Any insight you can provide is truly appreciated!
Thank you! Happy New Year!!
I am in the process of applying for LTD through my employer paid program as my STD ended in early December.
My MS was diagnosed in 2009 and I have been working for a few employers over this time period. In the past I had not missed work and did not take disability or FMLA (one employer company was too small to offer it). I am a married female in my later 50s with two teen daughters. My husband travels for work about 50% of the time. Sometimes it can be up to 10 days in a row and other times just a day or two.
Questions:
- the LTD policy mentions a “pre-existing conditions” clause. I have had an MS dx since 2009, long prior to eligibility and before I was employed by this current employer. My most recent issues surfaced this past calendar year. When I became eligible under the LTD policy my MS was doing quite well and overall not an issue in my job. In fact, I worked hard and long hours in a professional white collar job at an office downtown. Does this “pre-existing” clause include my MS dx back from 2009 and thus make this whole process not worth it? I can’t seem to get an answer from the insurance company.
- the insurance company has asked for copies of my psychiatrist’s notes in addition to the summary she prepared for them. (She helps me manage depression, pain, anxiety, loss, and family stuff....I have seen her for almost 10 years). I don’t know what she puts in her notes but I am sure that some of it does not relate to the current issue of my disability and is of a personal and private nature. Is this amount of information always required? And what are my risks? I know she has other patients on disability and to my knowledge she has not typicallly submitted full meeting notes.
- the ins company contracted with a 3rd party to help me apply for SSDI. Is it safe to use a 3rd party paid for by the LTD firm? If I am denied by insurance, what happens then with the SSDI application?
- do you offer your services in the State of Colorado? If not, is there an attorney (or attorneys) in this state that you could recommend. (Someone that understands the complexity of MS with other multiple autoimmune diseases).
- what can I expect to pay for legal services charge by an attorney for both LTD and SSDI?
Between my health and the holidays, I feel very overwhelmed by this process. Any insight you can provide is truly appreciated!
Thank you! Happy New Year!!
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