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Denied Long term disability insurance


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#1 kris52770

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Posted 03 May 2011 - 05:57 PM

Well as the story goes, I tried to apply for long term disability as the doctor told me I should before they put the firm diagnosis in the records. What a surprise, denied by three private companies already based on the amount of testing and a very very lengthy medical records over the last six months. Anyone had any luck in this area or is it just too late?

Hope everyone is holding their own.

All the best,

Christine

#2 Joelf

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Posted 04 May 2011 - 12:42 AM

Hi Christine,

I'm in the UK so can't actually advise you about your claim, but we do have a thread here about claiming SS Disability/ Medical Insurance which I hope might be able to give you some information.

Do keep us informed as to how your claim is going, won't you?

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#3 kris52770

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Posted 04 May 2011 - 04:03 AM

Hi Jo,

Thanks for the response.We have SS disability as well. I was trying to think ahead with a private insurance to supplement that. I think we all worry about the what is going to happen in the future. As of right now I am still able to work full time but my job requires me to be on my feet most of the day. I thought I had a shot with no organ involvement as of yet ( fingers crossed) but the arthritis of the legs and feet is what has me thinking about this.
Hope you are well. Christine

#4 CraigR

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Posted 04 May 2011 - 07:37 AM

Hi Christine,

I'm the original poster to the thread mentioned by Jo.

The way I understand it, you are trying to purchase private long-term disability insurance and being turned down. It appears they are turning you down due to being to high a risk. Not unlike trying to purchase medical insurance with failing health.

I was lucky enough to have had long-term disability insurance through my employer, with optional increased coverage, for many years. Like group medical plans, all employees are covered regardless of pre-existing conditions (generally). I was immediately approved and receive payments from them upon becoming disabled.

Social Security disablity is available, but is very difficult to get, despite specific statute law regarding scleroderma and many other diseases. A lawyer and a hearing before a judge are the only solution. I'm waiting for this.

The main reason (in my case) for SS disability is that it makes you eligible for medicare, which is the only way to acquire medical care at a reasonable cost with pre-existing conditions. Also, the private disabilty insurers require that you exploit all possible sources of income before they make up the difference up to the insured amount.

Your course would appear to be to try more insurance companies - but if you find one, the premiums might be unreasonably high. If your employer offers such insurance, you may be able to qualify for a group policy.

Good luck,

Craig

#5 Chopper

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Posted 04 May 2011 - 07:48 AM

Hi Christine:

To be honest, this subject really hadn't crossed my mind. Disability insurance is so expensive that I just always thought it was something I would never purchase. I can see the benefit of it, especially when health problems arise and there are family obligations. It's like any other insurance, they want you as a customer as long as you're not going to use it! Insurance gets me fired up! Take care and I hope you find a good solution!

Chopper
Limited Scleroderma, Hashimotos Thyroiditis, Celiac, Gastroparesis, GERD, and Gastritis.

#6 kris52770

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Posted 04 May 2011 - 03:24 PM

Hi Craig,

Well that was kinda depressing but very true. Sadly for me my employer only offers short term disability and no long term. So I am covered for six months and that is it. I have tried a few companies and believe me the rates are very high IF you get approved. In your case I am glad you have found a reasonable solution.

Chopper, I didn't ever think of this either until my rheumatologist told me to try to secure this now but I believe I am in too far at this point. You are so right about them wanting the customer until you use them. All I can say is that my fear of doctors kept me away for many years that I still had to pay for and now in the last six months it is catching up with them. Really wished I had thought of long term in my twenties and no at 40 never thought I would be dealing with this stuff so young. Just trying to make sure my nine year old will be all set as well just in case. I have a whole different way of looking at things now. All the best.

Christine

#7 Shelley Ensz

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Posted 04 May 2011 - 06:05 PM

Hi Christine,

I'm sorry you've been turned down for disability insurance. I think it's pretty common to be turned down after some adverse testing ends up in the record or even when a lot of testing has begun. What's happening is that the insurance companies are placing their bet against your continued good health <sigh>.

Use this time to plan wisely in every way possible. Cut back on expenses, eliminate frivolous items from the budget, downsize your home if possible, etc. ad infinitum. If you do not have disability insurance coverage, you will very likely be faced with an average of about three years (in the U.S. in many states now) of no employment income and no health insurance coverage before being approved (hopefully) for SSDIB. It's not uncommon at all for people to end up selling their home, renting out space in their homes, or even moving in with parents or other relatives during that time period. So save and bank money in every way possible, starting today.

You won't regret the saving if you never get any sicker and you will praise the day you took more steps to try to cover the huge income and expense gap. In the end, it's possible you might receive retroactive pay but SSDIB never pays for the first five months of being sick and it is a wait of a year and a half after the approval date for Medicare coverage to kick in. It is not a pretty picture, by any means.

As I see it, you don't have anything to lose by trying again for long term disability coverage but don't pin all your hopes on it, either. I know this sort of stress is the last thing you need when you are getting sick in the first place, but it is a reality that most of us are entirely unprepared for, both emotionally and financially.
Warm Hugs,

Shelley Ensz
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#8 enjoytheride

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Posted 04 May 2011 - 09:37 PM

Long term care policies are very expensive even if you enroll at an early age and keep it up. I have had one for about 10 years and every month I wince at the cost. It is burdensome.
One thing that might help you , if I remember right, is part of the Obamacare legislation. Didn't they have as part of it, a creation of long term care insurance? I think it might be part of the "pool" aspect of the law.
You might have a look on the net about this- you might have an opportunity there.
Good luck as I know that Medicare does not provide coverage for custodial care which is what most people really need eventually.

#9 enjoytheride

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Posted 04 May 2011 - 09:40 PM

Sorry about the post- I thought you were talking about long term care insurance, not long term disability. I can see that would be a real problem to obtain after any medical problems.

#10 Amanda Thorpe

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Posted 05 May 2011 - 05:51 AM

Hello Christine

Here in the UK it's called critical illness cover and pays out if you are off sick, when and what it pays out for depends on the policy. I never took it out because my employer continued to pay, if you were off sick, full pay for 6 months then half pay for 6 months. Thankfully for me my employer gave me ill health retirement so I was able to collect my occupational pension at 40.

Like you say who ever expected to be here with scleroderma?

Take care.
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