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bmartino

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 #1 
I was thinking of electing for long term disability during open enrollment.  I am newly diagnosed with inflammatory arthritis and have a positive ANA.  I am being treated with plaquenil and ibuprofen. I don't really know much about long term disability and I don't know if they can (or will) turn me down. I am 49 years old.

Wondering what others' experiences have been.  Thanks!

TXgirl

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 #2 
Do it! My old job the company paid 100% of short term and part of long term. I never took advantage of it. I had several friends who used their short term and one who had cancer and used the long. It was a life saver for her husband.
bmartino

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 #3 
Thanks TXgirl. I am going to sign up and see what happens.
Cakelady

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 #4 
I agree do it. My boss was in charge of employee relations and I was her back up. Each year we would laugh about long term and short term disability we knew what short term was but had no clue what long term was.

Based on our salary is what we paid towards it. I think when I started working there it was $1.50 a paycheck. When I left it was up to $3 per pay check. Anyway it paid 3/4 of my salary and the other 1/4 came form vacation, sick time or PTO. When I was pregnant with my second child boy did it come in handy. I was not out any money.

Has for long term. When I crashed from lupus we found out what it meant. It meant that if I could not work and the doctors backed me up they had to pay part of my wages till I turned 65 years old I was not even 40 when I crashed. They also helped me get SSDI. Between the 2 of them we were able to keep our house. But until I crashed we had no idea what long term disability was. If you have the chance to sign up for it do it. But also keep all your medical records. They will try and trip you up because the last thing they want to do is pay someone for 20 plus years.

Good luck

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bmartino

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 #5 
I got a letter from the LTD company turning me down. The reason they gave is my joint pain in my one knuckle and one knee and the fact that I take hydroxychloroquine.  I began taking it in November. My first joint issue began in July last year.  Of course I am not happy that they turned me down and I don't know if I should try to dispute it.
Cakelady

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 #6 
Dispute it. Does your company have STD short term disability? If so have you gone through that route first? That's what I had to do then move on to LTD and LTD was a b I t c h. They gave me nothing but trouble until they made me see their doctor over 2 hours away from my home. I was so stressed and upset I had a seizure in the waiting room. After that they did not give me to much trouble. Keep in mind they have to pay you till you turn 65 or at least that is how my LTD works.

Good luck

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The bond that links our true family is not one of blood, but one of respect and joy in each other's life
bmartino

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 #7 
My company does have STD, which automatically pays a percentage of our salary based on years of service. It's the LTD that we need to apply for during open enrollment. We pay a deductible just like with medical insurance. I am not in need of either now and I believe I am far from needing it, I only wanted it for "just in case" I should become unable to work.

Cakelady

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 #8 
Ok the way mine worked was I was out on std which paid a percentage of my salary then my sick time and vacation time made up the difference when my std was up it went right into LTD

If I was you I would enroll in it. It doesn't cost much and for me without it we would have lost our house.

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The bond that links our true family is not one of blood, but one of respect and joy in each other's life
bmartino

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 #9 
Yes, unfortunately I tried to enroll and I got turned down by the LTD company :(
Cakelady

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 #10 
I am sorry I didn't think they could turn you down for having the coverage they could turn you down if you tried to use it. I would still appeal
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The bond that links our true family is not one of blood, but one of respect and joy in each other's life
bmartino

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 #11 
Thank you, I think I will!! I will update when I hear back.
Cakelady

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 #12 
Good luck
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The bond that links our true family is not one of blood, but one of respect and joy in each other's life
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