disability insurance, my two cents

Discussion in 'Fibromyalgia Main Forum' started by BethM, Nov 19, 2002.

  1. BethM

    BethM New Member

    Just a thought and a comment. I carry my own disability insurance, as I don't pay into state disability because I work in education. I've only had to use it once, when I had a surgery in 1995 that required several months of recuperation, but it was certainly easier to deal with than SSI, from the letters I've been reading here. This is well worth the (I think) $34 a month I pay out of my paycheck, as it gives me peace of mind. If I become disabled, my salary will be paid for 2 years. Sounds like that is about how long I'd need to fight for SSI, if it came to that.

    Anyway, if you have access to private disability insurance, I think it's a great idea to have.

    Peace,
    Beth.
  2. BethM

    BethM New Member

    Just a thought and a comment. I carry my own disability insurance, as I don't pay into state disability because I work in education. I've only had to use it once, when I had a surgery in 1995 that required several months of recuperation, but it was certainly easier to deal with than SSI, from the letters I've been reading here. This is well worth the (I think) $34 a month I pay out of my paycheck, as it gives me peace of mind. If I become disabled, my salary will be paid for 2 years. Sounds like that is about how long I'd need to fight for SSI, if it came to that.

    Anyway, if you have access to private disability insurance, I think it's a great idea to have.

    Peace,
    Beth.
  3. BonBons

    BonBons New Member

    I'm glad you're thinking right. I also worked in education, and had long-term disability insurance. I am still unable to work, after 2 1/2 years, but my doctor did not support me, even though I was let go for frequent absences. I went to another doc, but it was too late to get the LTD from my job. If I could find ANY insurance for $34 month, I'd buy it quickly. I hope you never have to use it. Peace back atcha. BonBons
  4. BethM

    BethM New Member

    I'll have to check. I think my DI is with Provident, but I could be remembering wrong. They paid in 95, after my surgery. hmmm. I'll check when I get home tonight. Thanks for the heads up.
    Beth.
  5. teach6

    teach6 New Member

    After clearing the hurdle for STD last fall I have not really had problems with them. I'm on LTD, which can go until I'm 65. They will deduct any disability retirement pay I receive, as well as SSDI, assuming I ever get any of either! Meanwhile I get 2/3 of my highest salary, tax free! Not bad in my opinion. I am with Liberty Mutual and thank my lucky stars that I dont have UnumProvident.

    Barbara
  6. ZosoLight

    ZosoLight New Member

    Hi-

    I'm just starting my first appeal with my insurance carrier.
    They denied me once, now I'm on appeal.

    It's interesting that I was approved for STD a year ago for the same condition. But, the insurance co. now says that info. is not updated enough, even though my primary physician has said I'm still sick. So, I'm seeing the rheumy, voc. rehab., etc. specialists again for an updated diagnosis.

    Paul
  7. kadywill

    kadywill New Member

    my STD insurance through my job two or three times for a month or so at a time and now I am out of work indefinitely. I have applied for my STD again and I plan to use my LTD as well and apply for SSI at some point. I am not sure how much $$$ I will have. I know I was paid $1,000. for three weeks when I broke my foot~~~we'll see. I had a pretty good salary, at least in my opinion for this area and for my occupation, and that will be missed, but we'll have to rearrange our lives a little~~we should be able to do it if we're careful...I pray we will~ My employers provided our LDT, but we had to sign up for and have deducted, our STD and I am SO glad I did.
    Love,
    Kady