by Nadine » Sun Jun 20, 2010 05:20 pm
Heres my situation. My husband in Oct.2009 tore his achilles heel. He has not seen a Dr. since. He is in alot of pain and is still working and walking. As good as you can. I am pretty sure it has ruptured by now just by the looks of it. He has no kind of medical Insurance at all that is why he wont go to the Dr. The company he works for says they may have it by the first of the year. I dont think he should wait that long b/c I am afraid he has permantly damaged his leg by not getting the surgery. My ? is can he sign up for disibility if he is not working any longer and how ling do you think it would take to recieve benefits? I dont know how long he would be out of work but Im pretty sure a while. We have tried to get Drs. to work with us on payments but they wont and always want a huge amount up front. He is the only one working and we depend on his income so we couldnt be without income long. We dont have savings and just live week to week. I could really use an answer or help on this Please! Thanks!
Posted: Mon Jun 21, 2010 08:21 pm Post Subject:
Did your husband get hurt while working? I understand he doesn't have 'health' coverage, but his employer likely has workers comp.
Posted: Mon Jun 21, 2010 11:08 pm Post Subject:
No he did not. He was at home when he got hurt.
Posted: Mon Jun 21, 2010 11:10 pm Post Subject: Disability
No he did not. He was a home.
Posted: Tue Jun 22, 2010 03:24 am Post Subject:
No you cannot sign up for disability insurance. Underwritten disability insurance will ask questions involving medical issues, if you lie and say there are none, and the insurance company discovers this, they will deny claim.
The insurance company would be very suspect of a newly issued policy that immediately goes on claim. So even if you could conceal the issue during underwriting, there would likely be an investigation after you submitted claim forms.
Unfortunately disability insurance should have been bought a long time ago to cover this sort of issue.
In terms of other options, there aren't a lot of likely comfortable ones. He's the bread winner, and he needs surgery, so you'll have to pay for it out of pocket, and also lose his income while he's in recovery. Potentially financially devastating, my apologies for your unfortunate situation.
Posted: Tue Jun 22, 2010 12:13 pm Post Subject:
It was in Oct. 2009, and now it's Jun 2010. So, it's been quite some time that your husband has neglected this injury. I guess it only makes things worse for you. You'd now have to bear it out-of-pocket!
Posted: Thu Jul 01, 2010 10:00 pm Post Subject: Sscial Sucurity
Do you think that filing for a short term if any for Social Sucurity, would be an option and I know in the state of Arizona if someone goes to the hospital and they don't have insurance they will continue to see someone and get an emergency insurance card on the spot you can see if that is an option as well
Posted: Fri Jul 02, 2010 02:05 am Post Subject:
Social security disability has a 5 months waiting period and the illness or injury must either be something that is expected to result in your death soon or be irrevocable. About 50% of all applications are denied when first submitted.
On top of that the definition of disaiblity is losing the ability to perform the material and substantial duties of any occupation for which you are appropriately licensed or trained.
It's most likely the case he would not qualify. But there are those who manage to make their way into the system.
Posted: Fri Jul 02, 2010 11:11 am Post Subject:
I'm certainly no SSDI expert, but have known many people thru the years who have applied for it. Most (that I know) have it coming..some, well I think they are lazy whiners...but I will say, I personally have known about 20 or so cases, and not one single one didn't end up having to get an attorney and fighting for it. Every single one of them got it too, but it took 1-2 years for this to happen...
Posted: Thu Aug 05, 2010 11:41 pm Post Subject: Probably Ineligible for SSD
I hate to burst your bubble but as your spouse can work gimping along as he can, it is highly unlikely he will qualify for Social Security Disability. As a former RN, I can tell you an injured Achilles Tendon isn't enough to put someone totally out of the job market, even if it means they end up sitting on a stool and greeting people at Walmart. (I'm not downing that job. It was an option I considered after having a neuro deficit from complicated migraine [i.e. stroke caused by migraine]).
Posted: Fri Aug 20, 2010 11:38 am Post Subject:
Hi,
No he did not. The insurance company would be very suspect of a newly issued policy that immediately goes on claim. So even if you could conceal the issue during underwriting, there would likely be an investigation after you submitted claim forms.
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