by vanbawiaung » Fri Nov 14, 2008 06:38 am
I am pregnant. Doctor restricted not to lift more than 25 lbs. Employer not allow to work with Doctor's restriction. I am off work. I have insurance, but refused to pay disability benefit. I can work if not to lift more than 25 lbs. Employer stop me to work. Insurance denied benefit. Do I qualified ? What should I do?
Posted: Fri Nov 14, 2008 09:57 am Post Subject:
I think that the policy document needs to be reviewed to apprehend the actual reason for denial. The insurer must have given you the reason for denial in writing, if they haven't, you then need to get it from them. A claim isn't denied as long as its not on paper.
The reason for their denial may be that you can perform work other than lifting weight. You may ask the employer to shift you to a suitable job condition or may get it in writing from the doctor that you can't perform the work and is disabled for pregnancy related reasons.
Regards,
Juanita
Posted: Fri Nov 14, 2008 10:06 am Post Subject:
What kind of work you are involved in? Does it require you to lift weight constantly or its an avoidable part of your job profile? Under the second scenario the insurance provider may have the reason to decline the disability claim. let us know few more details and may be we will be able to help.
~Jeremy
Posted: Sat Nov 15, 2008 01:40 pm Post Subject: insurance
I'm curious, too. What knd of work DO you do? I don't care where you owrk. ALL places have some kind of 'office staff'. Can you work in their office? I thought if you have a restriction, of ANY kind, the employer HAS to bide by that. It's not YOUR fault that you have a restriction..ya know? Are you having complications, VAN? I did when I was pregnant. here's a 'little note' to you........hope things get better. i would like to know some kind of 'update' please, when you sort this out. Thanks.
Posted: Mon Nov 17, 2008 11:44 pm Post Subject:
I imagine if this was possible they probaly would have offered it. I would also think that they should have informed the employee when applying for the position if limitations became an issue it could mean possible job loss. This same thing happened to me this past summer. It s the pits but what can you really do. If you have limitations it seems as if there is a big label on your back.
Posted: Tue Nov 18, 2008 01:30 am Post Subject: insurance
I hate to say this, but...SOME employers I know would have 'pulled' the same thing. 'All of a sudden they have a problem with it'..kind of thing. I'm not sure you can do anything about this, though.
Posted: Tue Nov 18, 2008 03:17 am Post Subject:
Best then to just let it go. It is a shame that someone can make another person go with out benefits. Thsi really hits a nerve for me cause I seen first hand just how expensive health care can be.
Posted: Tue Nov 18, 2008 04:46 am Post Subject:
The unemployment benefits can be an option for her if she has been forced to leave the job. I guess she is required to check with this option. There are also government funded programs which cater to unemployment during pregnancy and help the mother and the child with medical bills and hospitalization expenses. But until and unless we know the reason for the denial, we can only make wild guesses.
Posted: Tue Nov 18, 2008 05:37 pm Post Subject:
I am nosure there was a denial...I think she was just checking to see if she could get disability benefits. I do know if the employer let her go she has a right to file for unemployment benefits BUT you also have to be able and willing to work to collect them. I was in an accident last year and could not collect my benefits from unemployment ntil I got a slip from my doctor saying I was able to work..even part time..thats what qualifies a person.
Posted: Wed Nov 19, 2008 04:11 am Post Subject:
I am nosure there was a denial...I think she was just checking to see if she could get disability benefits.
Firey if that's the case then she needs to clarify it from the verbiage of her original post it seems that she has been denied the claim and checking whether or not she qualifies for the unemployment. Some states and also some insurer don't consider pregnancy as disability. Now, if her policy states that pregnancy related disability isn't covered under this plan then she might not receive the benefits.
However, in most of the cases pregnancy is covered under the short term disability policies. It'll cover the expenses related to maternity leave and may cover upto 50% of the salary.
~Jeremy
Posted: Wed Nov 19, 2008 05:00 am Post Subject: insurance
That's what I was understanding, as well, JEREMY. That she was 'denied' her claim. I'm just curious about something. Is a person allowed to collect Disibility AND Unemployment? I know a few people who have, but, I don't know if there is a 'limit' to this.
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