I was reminded that I haven't updated my friends here on my situation in a while. The good news is that I was finally approved for Social Security Disability. That is good news, but I have run out of savings and had to borrow money to pay the bills for this month. I'm pinching pennies until they scream! LOL I'm supposed to get my first Social Security Disability check later in the month, and it will cover January expenses, but they are withholding the 40 months of back payment pending a review to see if there is any supplemental benefits or anything that they can deduct from it. There isn't any, but I've been told that it may be 60-90 days before they actually process the check. I'll be lucky if I get to keep 1-2 months worth of it though. Most of it goes to pay back the long term disability that I received for 29 months and to the IRS.
My biggest problem right now is in trying to get my Long Term Disability reinstated. It has been canceled for four months now. Without it, my family (including my daughter with spina bifida) has no health insurance. AT&T was going to look into the situation. It took four months to get a response from them that my only recourse was to appeal to the same folks that denied it to begin with...and BTW you've used up four of your six months in order to do that. Some day, either here or in eternity, people are going to pay for that.
The claims administrator flagrantly violated the rules of the disability plan in canceling my coverage. In determining if I could work, the plan states that my "functional capacities" have to be taken into account. She ignored statements from multiple doctors that say that I can't sit, stand, walk, climb, lift, drive, concentrate, and so forth (some not at all, some for only an hour or two at the most) and got a job survey done for office clerk jobs that are a three-hour round trip drive from my home by only listing three or four of my documented physical limitations and none of my mental ones. Totally bogus.
To top it off, the denial of my claim was based on an anonymous fax that was allegedly received from "my doctor" even though the claims administrator and her supervisor were told that my doctor never got a request for information from them and never responded to it. From everything I can tell, the insurance claims manager made it up....and this would not be the first time they have been documented fabricating things. And even after being told that I had a doctor's appointment in a week to document my limitations with a cardiologist (see this journal for the details), they would not wait a week for the report and canceled my benefits because of this "new information" that they got in the fax. Even if the fax were ligit though and identified the person that sent it, the fax says two words..."no revision". That's it. No signature. No date. No ID as to who sent it. Nothing. And it wasn't "new". It was an alleged followup on a medical report from 2005. An alleged faxed request to my Kaiser doctor that sees me for everything BUT my disability asking if there was any update on a list of three or four listed limitations was allegedly faxed back to them with "no revisions" written across it. Yet they used an alleged "update" that says "no revision" *AS* a revision of my medical records and took it to mean that the *only* limitations that I had were the couple that they allegedly specifically asked about in their request for an update.
It is all bogus and a flagrant violation of the LTD plan, but my only recourse is to appeal the decision to the very group that denied it to begin with and hope that they start playing by the rules that they've shown no hesitation to ignore before. I am unable to get AT&T to even look into the fact that the people that are supposed to be administering the plan are themselves not following the plan. I can't seek any kind of legal recourse until after an appeal is written up and denied (80% of appeals are denied). I do need to get some legal help with this though. I have no money to hire an attorney, but this is likely to go to court eventually (possibly even as a class action suit) and I'm sure some attorneys somewhere are going to make some serious $ off it.
But enough of that. I'm trying to NOT think about the crooks in the world and concentrate on Christmas and the reason for the season. Maybe for Christmas I'll get an attorney that will help with this appeal and likely subsequent law suit against some rather deep pockets. Justice for Christmas. Has a nice ring to it.