Reflex Sympathetic Dystrophy (RSD and CRPS) Reflex Sympathetic Dystrophy (Complex Regional Pain Syndromes Type I) and Causalgia (Complex Regional Pain Syndromes Type II)(RSD and CRPS)

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Old 10-01-2013, 03:31 PM #21
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Thanks Tessa. I spoke to so many attorneys, it is ridiculous! One guy would meet with me for a free consult, but didn't want my husband there or even in the waiting room...thin walls. Umm, no thanks! One guy I spoke to charged $2,000 to just look at my claim to see if I had a case. Then if he decided to take the case it would be 1/3 of the 6-month benefit...that would have been over $5,000. I went thru the referral process, one guy referred me to another guy, who referred me to another guy who referred me to the $4,000 guy. We met with him and he would only look at the denial letter and dr letters...he wouldn't look at anything else until the fee was paid. My husband asked him the odds of winning this type of case and he said "oh...50/50" those odds are not that good. He said the insurance companies are in the business to deny claims. We didn't feel good about it or taking the $4,000 gamble. If I had $4,000 to just throw away, I wouldn't worry about the appeal. My husband is furloughed again and I haven't been paid in 10 months. Thankfully SSD will start next week, hopefully, but there is no back pay with SSD for me.

I did start a thread a while back on STD/LTD appeals. The problem with attorneys is that the ones that handle SSD do not handle STD/LTD claims. STD/LTD requires knowledge of employment law and ERISA. Now I do not have much time left. They gave 180 days for the first appeal and only 60 days for this final appeal. I am gonna have to file it myself. But would like to have some good documents on RSD to send with my appeal.

I am so over all of this...
I sure appreciate you sharing your wealth of knowledge on this subject! I'll have to find that thread. I'm sure you know about the RSDHope website - there may be some good documents there.
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Old 10-01-2013, 03:42 PM #22
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Well, after 4 months I just got notice that my SSD was denied. So, Allanira I'm kinda like you. In about 2 pages of Gov.t B.S. they're basically saying "there's "something" you can do.
I understand what you're saying. My disability is my hand and arm. 1. I'm not released to go back to work. 2. I've used up all FMLA, sick time and short term disability from my job (I'm still on leave of absense). 3. My broken wrist surgery was screwed up so I can only type using my middle finger on that hand and only for short spurts or the RSD Roars!
That's why my posts on here are limited and I have to catch up.
I cannot keep the pace on my current job. If I apply elswhere, should I tell them I'll need frequent breaks, At least 1 day a week off for Dr. appts.nerve blocks etc., I don't always focus well because I must take meds. I might yelp in pain unexpectedly at times?
Anyway, I'll be forced now to hire an attorney to appeal the decision. My son is an attorney but that's not his field of law. No offense take Allanira LOL
I'm sorry AZ-Di!!!! It's just not fair that people aren't more aware of how this can affect every single aspect of a persons life. You mentioned you are on STD do you also have LTD available when that runs out? If you do and you would like tips on how to keep that going - I would be happy to offer what seemed to have worked well for me. Most importantly even if you don't think you will be returning to your job keep up with staying in contact with them and providing them with continued work release/excuse letters from your treating doctors. Be sure to tell your doctors (all of them if you have more than one) each and every single symptom you have no matter what area of the body it is. Sometimes employers will accommodate much shorter hours especially with the new laws regarding ADA and FMLA. Even on STD/LTD you can still receive the benefits while working they recalculate them based on hours worked. I was able to work off/on between surgeries for 2-4 hours per day until my last surgery caused spread and it was no longer an option for me or for my employer. But for 2 years we worked around my absences and reduced hours while still collecting the STD/LTD. Basically on STD you can earn up to 40% of your wages before they would reduce your pay then when you go on LTD it changes to 60% for 2 years and then after that it changes again based on the language of the policy. SSDI/SSI would offset STD/LTD benefits as well depending on how much you would be entitled to but as long as you were approved for STD/LTD no matter what your income from other sources they would still have to pay a minimum of $100 per month until you are 65 or circumstances change that you are no longer disabled.

I know that was a mouth full.. sorry.

I hope for your sake you are able to secure LTD while fighting SS!!
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Old 10-01-2013, 06:03 PM #23
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I know you are and I feel terrible. I just PM'd some more info that my strengthen your appeal. It sucks but at least you are one of the lucky ones that got SSI right away.

Count your blessings one by one
Tessa
Thanks Tessa. Did you send it to my email or PM here? I do not see anything from you
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