I need someone who is familiar with disability insurance. I have been on disability for just over 2?
8:25 am in Insurance jobs and educations by The Broker
years. I have been on ss disability, my former employer’s disability policy, & my own disability policy. August 25 will be the last payment from my former employer’s disability company.
I can’t meet my expenses without that income so I called my insurance company to find out if my benefits would be affected if I found a part-time job. I still have three years on my “own occupation.” She said I would probably have to be re-evaluated. The only test I had done was a neurological-psychological exam two years ago. That would be the only way to re-evaluate me and the test showed I had permanent brain damage and my doctors have told me I can’t be a legal secretary anymore, I can’t work under a lot of stress, and I can’t multi-task. I have cognitive problems that affect my ability to process what I hear to hard copy. Nothing is going to change that. Today I received a request for my ’06 tax returns and two releases for my psychiatrist and therapist for their records. Any advice?
Jake said on June 2, 2012
It sounds pretty complicated to me. But, the social security administration is likely to say you are not disabled anymore if you do any work at all.
I would try to simplify my life, I don’t know what your expenses are but I live without a car, walk to the grocery store. There’s not much else to buy but I wish I had other options to consider for housing. You might have to move into one of HUDs section 8 housing projects where you can enjoy hippies with their loud music and other people who provide day care for a half dozen unruly kids.
mbrcatz17 said on June 2, 2012
Well, you have to respond to the request. Failure to work with the insurance company is grounds for them to cut off your benefits. It’s one of the policy conditions.
Rick said on June 2, 2012
If you still have three years left on the own occupation clause, why are your payments stopping on August 25th?
If your disability policy has clauses in it for Mental/nervous benefits, those benefits may be a shorter duration than other benefits. However, you mentioned “brain damage” which would be a physical limitation, not mental – so they may be attempting to re-evaluate your disability
Send your tax returns in and your releases for the therapist.
aaron p said on June 2, 2012
The “own occ” clause should keep you covered. The reason they probably want to re-evaluate you is to make sure you aren’t faking once you get a part-time job. If it were your company, wouldn’t you want to verify that too? They are just doing an audit to make sure you aren’t pulling one over on them.