by artisttia » Thu Aug 05, 2010 11:23 pm
I was placed on disability in October 2006 for Complicated Migraine that left me with permanent neurological deficits (like that of a stroke). I got SSD on the FIRST go round with the government and have been receiving disability payments from my former employer. Now it appears to me that my employer is looking for a way to stop the disablity pyaments two me. There is clause in the polickey " Disabilieis due Mental Illness... have limited pay period up tow 24 months of disability". They are ndmaking me go for a Neuropsychh ezam on the 16 of the month. I was depressed and in therapy prior to 2006 and it didn't interfer with my job. My therapist has already told the insurance company this and he doesn't feel this is contributing to any neuroloic deficits. As I have other major health issues and had to declare bankrupty in 2008 and have little money for legal fees, would best course of actiob be to call the insurance commisioner of the state. Prior to all theis was an RN.
Posted: Fri Aug 06, 2010 05:32 am Post Subject:
At this point, I think it's best to comply with the exam the insurance company wants you to take -- they actually have the right to do that every six months. Depending on the outcome of the exam, the insurer may back off and continue your payments if the exam confirms that you do not have a "mental illness."
It is probably premature to involve the Dept of Insurance until your claim has officially been denied. And you certainly wouldn't want to waste any of your precious little money on an attorney before then either.
Qualifying for Social Security Disability on your first application is quite an accomplishment, since almost 20% of initial applications are denied. And qualifying with a mental illness alone is almost impossible.
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