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» LymeNet Flash » Questions and Discussion » Medical Questions » Disability Insurance

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Author Topic: Disability Insurance
average joe
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Has anyone had any luck with disability insurance? My short term disability insurance will be soon coming to and end. After that my long term disabilty through a 3rd party insurer will have to be applied for.

After an extended abscence, I am currently working BUT don't know how much longer I can continue. Often the leg pain and fatigue is horrible as my job entails being on my feet much of the day.

Anywho my question is if the 3rd party insurer will buy the chronic lyme thing. I am Igenex positive but not cdc positive. Even if it were cdc positive, which seems to be uncommon unless your head is about to fall off, We all know what the idsa treatment guidelines are.

Now I would much rather be working and productive and will do everything I can to continue but I need to consider the alternative.

Any thoughts??

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If you play at the beach, expect to get some sand in your shorts [Smile]

Posts: 223 | From central pa | Registered: May 2010  |  IP: Logged | Report this post to a Moderator
Need Lots of Help
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Joe,

I lost my first Long Term Disability Claim. Then, I appealed an won. I was told that Lyme would not be an accepted diagnosis so I used, Chronic Fatigue, Fibromyalgia, and Depression. They will most likely deny you to begin with, but go ahead and request all of your medical records.

What I did was built my own time line, based on all doctors notes, which showed that my first complaints of fatigue were over 10 years before taking Short Term Disability, or Long Term Disability. Even if I had a whole page of doctors notes, I took out the important parts that related to the diagnoses I filed on. I did mention lyme, last, and included my CDC positive results, just incase it mattered.

It is kinda late, so I will check back tomorrow if you have anymore questions.

Posts: 893 | From Florida | Registered: Dec 2008  |  IP: Logged | Report this post to a Moderator
lymednva
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You need the support of your doctor. That can make all the difference. I know that since I do not have any positive Lyme tests, only Babs, my doctor lists symptoms, which include chronic fatigue, among other things.

You need for them to know all the reasons why you are unable to perform your current job. If you are working now, it will make it harder, but if you have a supportive supervisor who will say you can't do all parts of your job, that would also be helpful.

I get reviewed annually, but ever since my SSDI was approved they haven't pushed it. They were about to boot me then I believe.

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Lymednva

Posts: 2407 | From over the river and through the woods | Registered: Apr 2006  |  IP: Logged | Report this post to a Moderator
Florence1
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I was on STD then LTD since March but is was just terminated as it was sent to a "independant dr for review"....and despite me having CDC positive Lyme and Babesia, really low CD57, numerous symptoms he said as my spinal was neg and MRi neg from last year there was no evidence of tick born illness and they terminated my benefits..........

it is now in the hands of an attorney..........

I wish you luck but it is very difficult unless your office notes are not worded correctly......

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Oct 09 Positive CDC Western Blot
Jan 10 Positive Babesia Duncani
Jan 10 Cd57 28
Mar 10 EBV, IgM, IgG
HHV-6 IgG

Posts: 739 | From NC | Registered: Oct 2009  |  IP: Logged | Report this post to a Moderator
burnsjw
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The people I know who received their long term disability received it for chronic fatigue and depression even though had lyme, like Needs lot of help said. good luck and good luck to Florence1 as well, as if you don't have enough to worry about with living with lyme and now disability problems.
Posts: 211 | From In my house | Registered: May 2007  |  IP: Logged | Report this post to a Moderator
Keebler
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-
http://flash.lymenet.org/ubb/ultimatebb.php/topic/3/13935

Resources for Disability, Insurance, Dealing with HMOs

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http://flash.lymenet.org/ubb/ultimatebb.php/topic/3/22281

Suggestions for When You Need Treatment and Funds Are Low
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Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
   

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