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Originally Posted by LIT LOVE
Your LTD policy may require you to apply for SSDI within a ceratin period of time. Call them. They often provide an attorney or a service to help you apply at their expense. (This is an advantage IMO, because a normal applicant can only pay for such services out of backpay, ths setting up an incentive to stall the process.)
So, essentially, your interest is for Medicare. Research Spplement plans as well...
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Wow, I have already contacted a couple attorneys but that is a very good point. I never thought about them stalling to as to reap a better financial payout - but that would make sense.
I will contact my manager at the disability insurance, also research supplemental plans. Does it seem like the help through the disability insurance companies is effective? My best friend told me her horror story about when she was very ill & applied for SS disability, she got some government provided attorney. Who basically wasted a boatload of time & then told her she had no case unless she applied for a psychiatric type disability, which she chose not to do. If she had, she would likely have lost custody of her kids to a vindictive ex. Anyway, I digress.