LymeNet Home LymeNet Home Page LymeNet Flash Discussion LymeNet Support Group Database LymeNet Literature Library LymeNet Legal Resources LymeNet Medical & Scientific Abstract Database LymeNet Newsletter Home Page LymeNet Recommended Books LymeNet Tick Pictures Search The LymeNet Site LymeNet Links LymeNet Frequently Asked Questions About The Lyme Disease Network LymeNet Menu

LymeNet on Facebook

LymeNet on Twitter




The Lyme Disease Network receives a commission from Amazon.com for each purchase originating from this site.

When purchasing from Amazon.com, please
click here first.

Thank you.

LymeNet Flash Discussion
Dedicated to the Bachmann Family

LymeNet needs your help:
LymeNet 2020 fund drive


The Lyme Disease Network is a non-profit organization funded by individual donations.

LymeNet Flash Post New Topic  New Poll  Post A Reply
my profile | directory login | register | search | faq | forum home

  next oldest topic   next newest topic
» LymeNet Flash » Questions and Discussion » General Support » Resources for getting Disability, Insurance, dealing with HMOs etc (Page 2)

 - UBBFriend: Email this page to someone!   This topic comprises 2 pages: 1  2   
Author Topic: Resources for getting Disability, Insurance, dealing with HMOs etc
jt345
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
Hey Kids

This is great !! there is so much info here. What ever You do ,Do not give up.

After 5 years of fighting,I was finally given a hearing in frount of a circuit Judge. The only problem was I would have too wait for 6 mounths.

I think They were just wishing I would die before the trail date.

I could not wait,so I contacted my Congress Man.His office called Me the very next day,and within one week,I had a hearing for the next week.

The Judge told Me it was the best case of chronic lyme that had ever crossed His desk.

Moral of this story Do not give up.

Wishing all well. Be as well as You can be today

appleseed

IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
copying this over to here; minou, can you show the update of 6-2-09 and new amount of $6,000 in the upper parts of your info? thanks!! betty


ConnieMc
Frequent Contributor (1K+ posts)
Member # 191
posted 03-05-2009 11:29 AM

FYI

At this point, the max fee for representatives is $5300. Effective June 2, 2009, it will go up to $6000.
*****************************************************


If a representative, attorney or non-attorney, wants to go for a higher fee, for example, for a case that requires much more work than typically required, a representative can file a fee petition with detailed records of all work done on a claim.


The ALJ or an office in MD handles these requests. I have never done it, or requested a higher fee than allowed - which is 25% of past due benefits or $5300 maximum.


These limits are for good reason. I had one claim which took years to get to hearing and by the time the claimant won, she was entitled to about $130,000 in back pay for herself and her dependents. Yes, I would love to have 25% of that, but wouldn't be fair at all. My fee was $5300.


Posts: 2116 | From NC | Registered: Oct 2000

IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
copying this here .... from connie mc !!


ConnieMc, Member # 191, posted 07-05-2009 09:10 AM ________________________________________


DDS is not allowed to tell a claimant or representative a decision on a claim.


Once a decision is made at the initial or reconsideration level, it is sent back to a processing center at SSA and they send out a letter.

If it is an allowance, the local SSA office processes the case. If Supplemental Security Income (SSI) is involved, the SSA office generally contacts the claimant and asks them to come into the office so thay can confirm that the financial situation is the same as it was when the initial application was filed.

If it is Social Security Disability Insurance (SSDI), a letter is issued to notify the claimant of the allowance, then the claim is actually processed at one of the payment centers.

It is true that in a SSDI only claim, the claimant sometimes finds their back pay in their account before they even receive their letter notifying them of their allowance.

MADDOG, since you worked for years and paid into the system, your claim is likely an SSDI only claim, so you could find money in your account before you are notified of the claim decision.

When a decision is made at DDS, the decision is issued.

A claim would not be "closed", but would either be sent for processing (payment) or remain in limbo for 60 days waiting for the claimant to appeal.

Don't get discouraged if you receive a denial. Keep your claim active by appealing immediately, and by all means do not wait and risk letting the claim lapse.

Follow the instructions on the letter exactly and leave a paper trail. Make sure you have proof you filed the appeal and file it away in a safe place. And good luck!!

Posts: 2117 | From NC | Registered: Oct 2000

IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
From CNN

http://www.cnn.com/2009/HEALTH/05/14/preexisting.condition.insurance/index.html

Tips for getting insurance when you have a pre-existing condition

Excerpts:

1. Become a group of one.

In about a dozen states, you can be a group all by yourself for insurance purposes. What this means is that you become, in effect, just like any other company, and insurers can't deny you insurance or charge you higher premiums because of your pre-existing condition, according to Lembo.
"You'd be surprised at the number of folks who open their own landscaping business" to get the group of one, he says. . . .

2. If you've been laid off, get COBRA. . . .

3. When you lose your employer-related insurance, apply for new insurance within 63 days. . . .

4. Find out whether your state has a high-risk pool. . . .

5. See whether your professional organization offers group insurance.

Some professional groups, such as those representing real estate agents and freelance writers, offer health insurance. Check and see whether your profession does the same.
Here's another piece of advice, offered somewhat tongue in cheek: Move to Maryland, Massachusetts, New Jersey, New York or Vermont.

"In those states, everyone has to sell to you," said Cheryl Fish-Parcham, deputy director of health policy at Families USA. Not only do insurance companies have to sell you a policy in those states, there are limits on how much they can charge you, she says.

For more help in finding insurance when you have a pre-existing condition, you can contact the Cover Me Foundation at 877-678-7631 or Coverage For All at 800-234-1317. . . .

. . . .
-

[ 04-14-2010, 12:26 PM: Message edited by: Keebler ]

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
minou, without going thru all of this, do you have advise on DIVORCE LAWS; steps to take, etc.

deafromlyme needs help; thought of your links here as well. big thanks! if you do; comment on her NEED MASS. ATTORNEY FOR DIVORCE post [Smile] xoxox

IP: Logged | Report this post to a Moderator
minoucat
Frequent Contributor (1K+ posts)
Member # 5175

Icon 1 posted      Profile for minoucat     Send New Private Message       Edit/Delete Post   Reply With Quote 
Betty -- PM'd you, need more info on what's wanted.

--------------------
*********************

RECIDITE, PLEBES! Gero rem imperialem!
(Stand aside plebians! I am on imperial business.)



Posts: 2331 | From WA | Registered: Jan 2004  |  IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 14 posted            Edit/Delete Post   Reply With Quote 
great info at bottom about voc rehab ...

twoangie
Frequent Contributor (1K+ posts)
Member # 1636
posted 09-06-2009 03:45 PM


Hi gang, I FINALLY found my old password so I could sign in and say "Hi!" I had messages in there from 2006 that people wrote me that I never knew were there. Oops! [Smile]


I hope you all are doing well. Lymetoo...over 40,000 posts??? Wow, lady, have you been busy or what? [Wink] However, you are badly needed to give advice and keep everyone's spirits up so keep it up!


Bettyg, thanks for the message. Like I said, I got it but I couldn't find my password and didn't have time to look until now. Looks like you've also been busy...over 25,000 posts! You and Lymetoo are dedicated! [Smile]


OptiMisTick, hello old pal, how are you doing? [Smile] I'm doing a little better and have just returned to school.

It's been so long since I've worked that I am auditing some prior classes for a review. Hopefully, I can do that for a while and then, if I am fortunate and can pass the GMAT, I hope to be on to grad school for my MBA or MACC.


If anyone is interested, I'm going through Vocational Rehabilitation so if anyone out there is receiving SSDI and feels like attempting a return to work but would like a review or more training, call them up, they LOVE it when we are willing to head back to work and are very helpful in providing accomodations (like special desks or chairs), computers, software, paying for classes and books.


It's pretty cool and, in the long run, it is much cheaper for the government to get us back on our feet and back to work than to keep paying benefits.


If I can, I'd much rather work - as would you all, I know. It has taken me 8 years to get to this point. What the heck, may as well give it a try. [Smile]

--------------------
I surf to serve!
Posts: 1987 | From Charlotte, NC, US | Registered: Sep 2001

*********************************
great story, wasn't it? betty

IP: Logged | Report this post to a Moderator
JesseS
Junior Member
Member # 20776

Icon 1 posted      Profile for JesseS     Send New Private Message       Edit/Delete Post   Reply With Quote 
We are very lucky to have all of this so well organized. Thank you for all of the resources.

--------------------
Get California health insurance, compare health net medical quotes, apply online for kaiser quotes online.

Posts: 1 | From San Francisco, CA | Registered: Jun 2009  |  IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
here you all go from trishee's info ....

i posted in my good lawyers' list i started and brought it back up to top; will post it also in MINOUCAT'S DISABILITY link in support .... great info!!


our member trishee was sent this information below and also his letter stated this,

Betty,

"My letter does include helping me or "any Lyme
disease awareness or advocacy organization" help
in submitting disability claims.
*************************************

He mentions 15 years experience before starting his own practice a year ago."

Offers his help with lyme disease claims.
************************************************

Lyme Attorney is George Thompson

Sager & Schaffer LLP

182 Turnpike Rd.,Suite 250

Westborough, MA 01581

508-898-9900

Fax:508-898-9889
*********************

i also showed this in my good lawyer's list i started 2-3 yrs. ago [Smile]

IP: Logged | Report this post to a Moderator
seekhelp
Frequent Contributor (5K+ posts)
Member # 15067

Icon 1 posted      Profile for seekhelp     Send New Private Message       Edit/Delete Post   Reply With Quote 
Wow, there is a LOT of info here. Pretty smart Lymies. [Smile]
Posts: 7545 | From The 5th Dimension - The Twilight Zone | Registered: Mar 2008  |  IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 1 posted            Edit/Delete Post   Reply With Quote 
seek, we just need people to LEAVE MEDICAL and look around at the other forums...SUPPORT has outstanding info at top, and this is the BEST THERE IS !! $$$$
IP: Logged | Report this post to a Moderator
bettyg
Unregistered


Icon 4 posted            Edit/Delete Post   Reply With Quote 
dream22 posted this for a newbie today, and i didn't want to see these good links go to waste, but be shared with others needing it. [Smile]


Here's one on the need for clinical judgment in the diagnosis and treatment of lyme disease.
Good synopsis: FALL 2009

www.jpands.org/vol14no3/maloney.pdf


Regarding testing, you may want to direct the md to the IDSA guidelines review panel hearing website from the summer.

It is bound up in the controversy over conflicts of interest in the development of the guidelines set forth by the IDSA in 2002.


http://www.idsociety.org/Content.aspx?id=15026

http://www.clinicaladvisor.com/Controversy-continues-to-fuel-the-Lyme-War/article/117160/


One of the presenters (here's the transcript) reviews the deplorable rate of inaccuracy with conventional tests:

http://tinyurl.com/inaccuratetests


Reasons why there are so many false seronegative test results:

http://www.anapsid.org/lyme/lymeseroneg.html


There are 2 standards of care re: lyme disease. The most important part being that treatment is based on informed choice of the patient. Ultimately, your treatment is up to you:

http://www.lymemed.nl/discussie/johnson.pdf

IP: Logged | Report this post to a Moderator
DennisA
Junior Member
Member # 25378

Icon 1 posted      Profile for DennisA     Send New Private Message       Edit/Delete Post   Reply With Quote 
Thank you for posting all the info.
Here is a great letter written to appeal insurance company decline

http://www.mdjunction.com/forums/lyme-disease-support-forums/introductions-personal-stories/570035-letter-of-appeal-to-insurance-company

Here is a research done by the insurance resource website about Line Disease and Insurance

http://www.insure.com/articles/healthinsurance/lyme-disease-patients.html

--------------------
small business health coverage | kaiser health insurance plans

Posts: 1 | From San Francisco | Registered: Apr 2010  |  IP: Logged | Report this post to a Moderator
ConnieMc
Frequent Contributor (1K+ posts)
Member # 191

Icon 1 posted      Profile for ConnieMc     Send New Private Message       Edit/Delete Post   Reply With Quote 
Look up stats for your ALJ - the following link will take you to a SSA website which lists every Administrative Law Judge in the country and provides stats for each ALJ. I use this site every time I have an ALJ I do not know assigned to one of my claims.

http://www.ssa.gov/appeals/DataSets/03_ALJ_Disp.html

As you can see, there is wide variation in stats from one ALJ to another. Some ALJs are quite liberal with their allowances and others allow below 50 of their claims. You can arrange the data in each column by clicking on the column headings.

Interesting stuff.

Connie
Accredited Disability Rep
Lyme patient

Posts: 2276 | From NC | Registered: Oct 2000  |  IP: Logged | Report this post to a Moderator
METALLlC BLUE
Frequent Contributor (1K+ posts)
Member # 6628

Icon 1 posted      Profile for METALLlC BLUE     Send New Private Message       Edit/Delete Post   Reply With Quote 
Minoucat or anyone else who has supplied abundant information about insurance company information, would you be willing to review the rewritten Lyme Disease Guide that I have? The guide was originally the one Betty had put together -- though it now is significantly transformed.

Any help would really be great.

--------------------
I am not a physician, so do your own research to confirm any ideas given and then speak with a health care provider you trust.

E-mail: [email protected]

Posts: 4157 | From Western Massachusetts | Registered: Dec 2004  |  IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
If some accommodations at work could help, search out:

https://adata.org

Americans With Disabilities ADA National Network


http://flash.lymenet.org/ubb/ultimatebb.php/topic/3/24420

Tips applying for SSD - disability benefits you paid into through your participation in payroll deduction with each paycheck under the Social Security Administration . . .
-

[ 07-06-2016, 05:49 PM: Message edited by: Keebler ]

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
* VESTIBULAR ? If you have ANY inner ear disorder (balance, tinnitus, hyperacusis) that may be considered as a separate condition. Depending upon the degree, vestibular disorders - alone - can be the basis for some help from SSD.

Your LLMD may know of a LL neurotologist or other vestibular specialist for you to consult - if you have any symptoms that seem to either be caused by or include this system. There are very specific tests for the various vestibular disorders.

* MCS ? Multiple Chemical Sensitivities can also be considered separately, depending upon the severity.

=============

All about EARS:
------------------

For those who are sensitive or pained by even normal or soft sounds (sounds not even at noise level):

www.hyperacusis.net

HYPERACUSIS NETWORK

---------------

Even more troubling than hyperacusis by itself, those with SCD have it much worse with vibrations.

http://www.youtube.com/watch?v=f6vAkdGw8T4

The Musician who heard too much - Superior Canal Dehiscence

---------------

http://www.scdssupport.org/

SCDSsupport.org

==========================

Ringing, hissing, roaring, pulsating sounds or sensations in the ears:

www.ata.org

AMERICAN TINNITUS ASSOCIATION

=========================

www.vestibular.org

VESTIBULAR DISORDERS ASSOCIATION

-----

http://www.vestibular.org/vestibular-disorders/symptoms.php

** VESTIBULAR SYMPTOMS **

============================

http://en.wikipedia.org/wiki/Mal_de_debarquement

Mal de debarquement

==========================

Specific for LYME patients - lots of details about ears and what can help:

http://flash.lymenet.org/scripts/ultimatebb.cgi?ubb=get_topic;f=1;t=065801

Topic: TINNITUS: Ringing Between The Ears; Vestibular, Balance, Hearing with compiled links - including HYPERACUSIS

===========================
============================

Multiple Chemical Sensitivities - MCS or:

www.chemicalsensitivityfoundation.org/

THE CHEMICAL SENSITIVITY FOUNDATION

Click here to play Chemical Sensitivity: A 15-Minute Introduction

Click here to read the transcript of Chemical Sensitivity: A 15-Minute Introduction

www.mcsrr.org/1999Defn.pdf - See the 1999 MCS Consensus Definition

Click here (at the link) for the Selected Bibliography of Research Articles. - six pages of studies and articles on chemical sensitivity published in peer-reviewed journals.

Click here (at the link) for a copy of the QEESI questionnaire, which is useful for evaluating a person's level of chemical sensitivity or intolerance.

===================

www.ciin.org/

THE CHEMICAL INJURY INFORMATION NETWORK
-

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
Lou just posted this article link:

http://www.disabilitysecrets.com/social-security-disability-lyme-disease.html

APPLYING FOR BENEFITS WITH LYME DISEASE

Discussion thread about that article:
--------------

http://flash.lymenet.org/scripts/ultimatebb.cgi/topic/3/26028?

Topic: Social security disability and lyme disease - good info
-

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
About whether "chronic lyme" even exits - and the "need" for on-going treatment.

Not discussing all that but - we need to know how doctors think and what the professional medical organizations' official stance is on this diagnosis.

I just stumbled upon this "blog of concern" (how else can I describe this?). This doctor is so against the idea of lyme but today, from a medical journal this summer - we do need to be aware of this:

http://relative-risk.blogspot.com/

14 September 2012

What the family physician knows

Excerpts from:

Wright WF, Riedel DJ, Talwani R, Gilliam BL.

Diagnosis and management of lyme disease.

Am Fam Physician. 2012 Jun 1;85(11):1086-93.

Excerpts:

. . . Some persons have advocated use of the term chronic Lyme disease (Table 5) to describe the persistence of nonspecific signs and symptoms in patients with or without clinical or laboratory evidence of Lyme disease.

These advocates suggest that patients with the so-called post-Lyme disease syndrome (category 4) or antibiotic-refractory arthritis have a latent intracellular infection that may require months to years of antibiotic therapy for eradication. . . .

. . . Although controversy exists regarding post-Lyme disease syndrome and chronic Lyme disease treatment, four randomized clinical trials found no evidence that prolonged antibiotic therapy is of benefit.

Therefore, the

1) American Academy of Pediatrics,

2) American Academy of Neurology,

3) American College of Rheumatology, and

4) IDSA

do not recommend prolonged antibiotic therapy.

A recent survey concluded that 97 percent of primary care physicians in Lyme disease-endemic areas did not diagnose or treat patients for chronic Lyme disease.

(end excerpt) from:

American Academy of Family Physicians - June 2012

http://www.aafp.org/online/en/home.html

You can search site with title for the article abstract but full article access restricted to members only.
-

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
Keebler
Honored Contributor (25K+ posts)
Member # 12673

Icon 1 posted      Profile for Keebler     Send New Private Message       Edit/Delete Post   Reply With Quote 
-
ILADS Annual Conference, November 2012, Boston, MA

Disability issues, four parts:

http://www.ilads.org/media/boston/videos/videos_kantor.php

Disability Claims and Lyme Disease Part I:

The Process: How disability is defined and evaluated under private insurance policies

Glenn Kantor, Esq - DVD is $15. You can see a four minute video clip at link above.


http://www.ilads.org/media/boston/videos/videos_rafik.php

Disability Claims and Lyme Disease Part II: Making the Case:

The medical and legal elements of making a claim for disability benefits for individuals suffering from chronic Lyme.

Mala M. Rafik, Esq - DVD is $15. You can see a four minute video preview at link above.


http://www.ilads.org/media/boston/videos/videos_riemer.php

Disability Claims and Lyme Disease, Part III: Overcoming the Hurdles:

How to defend against the various justifications for denying coverage, including the mental illness defense and the claim that chronic Lyme does not exist or is not objectively verifiable.

Scott Riemer, Esq - DVD is $15. You can see a four minute video preview at the link above.


http://www.ilads.org/media/boston/videos/videos_kilpatrick.php

Disability Claims and Lyme Disease, Part IV:

Working Together: How providers and lawyers can collaborate to effectively represent
their disabled patients

Glenn Kantor, Esq, Mala M. Rafik, Esq, and Scott Riemer, Esq - DVD is $15. You can see a four minute video clip at link above.
-

Posts: 48021 | From Tree House | Registered: Jul 2007  |  IP: Logged | Report this post to a Moderator
  This topic comprises 2 pages: 1  2   

Quick Reply
Message:

HTML is not enabled.
UBB Code� is enabled.

Instant Graemlins
   


Post New Topic  New Poll  Post A Reply Close Topic   Feature Topic   Move Topic   Delete Topic next oldest topic   next newest topic
 - Printer-friendly view of this topic
Hop To:


Contact Us | LymeNet home page | Privacy Statement

Powered by UBB.classic™ 6.7.3


The Lyme Disease Network is a non-profit organization funded by individual donations. If you would like to support the Network and the LymeNet system of Web services, please send your donations to:

The Lyme Disease Network of New Jersey
907 Pebble Creek Court, Pennington, NJ 08534 USA


| Flash Discussion | Support Groups | On-Line Library
Legal Resources | Medical Abstracts | Newsletter | Books
Pictures | Site Search | Links | Help/Questions
About LymeNet | Contact Us

© 1993-2020 The Lyme Disease Network of New Jersey, Inc.
All Rights Reserved.
Use of the LymeNet Site is subject to Terms and Conditions.