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They Want to Cut My Disability Payments

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    They Want to Cut My Disability Payments

    I've been gratefully getting long term disability payments (from a policy I had at my last job). The payments almost cover the mortgage on my house.
    A few months ago they sent a vocational counselor to interview me at home. Now, they're telling me they are ending the payments because I can do CAD work and make 60% of what I used to make.
    I have done part time CAD work at home.

    I wrote them and explained that I have bowel accidents (which require showering and changing). It's true these are less often than they used to be). I also explained that the pain in my back gets severe when I work at the computer. I need to lie down to relieve this pain. I've tried different meds but don't want to use narcotics.

    How reasonable is it for me to go to an office and put up with that kind of pain?
    Pain is such a hard thing to prove and make known to someone else.
    We need a machine that will replicate pain for someone else to feel what we are feeling. Then they might be able to judge what is reasonable.
    Rich

    #2
    Originally posted by pararich View Post
    I've been gratefully getting long term disability payments (from a policy I had at my last job). The payments almost cover the mortgage on my house.
    A few months ago they sent a vocational counselor to interview me at home. Now, they're telling me they are ending the payments because I can do CAD work and make 60% of what I used to make.
    I have done part time CAD work at home.

    I wrote them and explained that I have bowel accidents (which require showering and changing). It's true these are less often than they used to be). I also explained that the pain in my back gets severe when I work at the computer. I need to lie down to relieve this pain. I've tried different meds but don't want to use narcotics.

    How reasonable is it for me to go to an office and put up with that kind of pain?
    Pain is such a hard thing to prove and make known to someone else.
    We need a machine that will replicate pain for someone else to feel what we are feeling. Then they might be able to judge what is reasonable.
    It might be worthwhile to obtain an attorney to advise you on the matter. I am guessing your long term disability coverage goes to 65 years old. When you consider how much you have to gain or loose it might be cost effective to get a lawyer if it helps you appeal to keep your benefits.

    It's discouraging that there are disincentives built in to so many disability programs.

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      #3
      Sadly I can see this ending in patient is refusing treatment as you are not wanting to use the heavy pain meds

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        #4
        yep, you need to lawyer up, if you have been working anf making money using cad , they will use that against you, if they think you could use cad, that is a different, disability private policy change by policy by policy state by state '
        cauda equina

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          #5
          Lawyer up.

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            #6
            I'm a lawyer. I had to hire a disability insurance lawyer (specialist) myself when the insurance company initially denied coverage. I didn't like it and it was expensive, but it was the right decision and I would do it again.

            Try to avoid contingency fee arrangements if you can.

            Many of these insurance companies will do anything they can to avoid paying. This includes trying to bully their insureds.
            2012 SCINetUSA Clinical Trial Support Squad Member
            Please join me and donate a dollar a day at http://justadollarplease.org and copy and paste this message to the bottom of your signature.

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              #7
              Thanks for the support.
              I'll see my primary care doctor tomorrow.
              Maybe I will get a lawyer.
              I'll post what happens.
              Rich

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                #8
                It would be good to carefully research this. For one, is your employer's disability insurance program trying to convert you to Social Security Disability (SSDI)- which it appears you would qualify for due to your work history.
                From my experience if you are on SSDI, you are still allowed to have a certain level of earnings. You may want to do the math on this, I don't know if it would be a better deal.
                Hopefully you will consult an attorney experienced in this issue.

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                  #9
                  is this paid from the government (ssdi, etc) or paid from a insurance company?
                  We must reject the idea that every time a law's broken, society is guilty rather than the lawbreaker. It is time to restore the American precept that each individual is accountable for his actions.
                  Ronald Reagan

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                    #10
                    Social Security Disability!!!!!!!!!!!! Federal

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                      #11
                      Frostbite, which I've suffered a few times as an AB, feels exactly like the neuro pain we feel with our spinal cord injuries, shocks and all. If an AB ever wants to experience our pain, they can try some frostbite in -40.

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