Big Problems

Dubious · 04-04-2010, 01:08 AM

Quote:

Originally Posted by RSD31

I won my ssdi but the longterm from my employer I lost. the Ortho did xrays on both the shoulders and i have no joint space left so it is bone on bone I have RSD in both my arms from my shoulders down to my hands and it is spreading to my legs, i was getting injections in my shoulder every 3 months but it is not working any more.

It always comes down to the wording of the policy, not the general description of what we think we got. On an employer generated policy, we are likely sold down the river. Comes down to an ERISA thing sometimes, and many times and on whether your policy was an own occupation vs. an any occupation plan. Very sorry, that really sucks...

Dubious · 04-04-2010, 01:14 AM

Quote:

Originally Posted by RSD31

I won my ssdi but the longterm from my employer I lost. the Ortho did xrays on both the shoulders and i have no joint space left so it is bone on bone I have RSD in both my arms from my shoulders down to my hands and it is spreading to my legs, i was getting injections in my shoulder every 3 months but it is not working any more.

It always comes down to the wording of the policy, not the general description of what we think we got. On an employer generated policy, we are likely sold down the river. Comes down to an ERISA thing sometimes, and many times and on whether your policy was an own occupation vs. an any occupation plan. Very sorry, that really sucks...

ON second thought, if your shoulder injections were for pain that was originally authorized for treatment, then you may be able to couple the shoulder arthritis into previously authorized issues. Your injections, assuming they were cortisone based, would eventually eat up the cartilage and cause your issues and therefore be related to your original claim (I think). If you have an attorney, discuss this with him/her.

Wilbyfree · 04-04-2010, 09:17 PM

Quote:

Originally Posted by Debby

I won both SSD & my LTD insurance right off the bat. I didn't have any problems with getting either one at all.

I don't see how LTD can deny you when you won your SSDI. Makes no sense to me at all. I do have fill out paperwork every 2 yrs though to keep getting it. When I turn 62 I will no longer get it though. They figure when you hit retirement age they don't need to pay you anything.

Debby

Hi Debby, I had no idea that you could get LTD and SSDI both. Usually, in all of the cases I have heard they have to pay back the LTD. I was under the impression that LTD was a carryover until you recieved your SSDI. But good for you!

Jeanie

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