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Posted 6/14/2017 2:22 PM (GMT 0)
Hello everyone. Im new here. I was diagnosed with PTSD, BiPolar2 and Severe Anxiety disorder 6 months ago. I have been off work since January. Just found out Monday that my disability insurance is denying my claim now and I have now clue what to do. I have work in school districts for the last 13 years so i have not been on SS. Is there any other options? I plan on fighting it but not sure if it is going to help. My counselor and Pysch are both trying to help with this and not having much luck. Any help would be great!
Posted 6/14/2017 4:43 PM (GMT 0)
Hello and welcome!

I am sorry to hear of your current challenges, and the denial of your claim. I know how difficult this must be. :/

However, from what I understand, it is not unusual for a first request to be turned down.

Keeping good records of your history/health status/treatments, continuing to enlist the help of your mental health professionals...and submitting a secondary (and possibly 3rd) claim should find you getting your benefits with perseverance and time.

Wishing you the best. Keep us updated and post anytime for support!

Scaredy Cat
Posted 6/14/2017 7:18 PM (GMT 0)
Ditto to what SC said.

And if I'm not mistaken, if and when you get approved - the start date will go back to your first filing date. I know that VA benefits work that way.
Posted 6/14/2017 11:17 PM (GMT 0)
I was getting disability from this insurance and all of a sudden they denyed my last paycheck.
Posted 6/15/2017 3:07 AM (GMT 0)
Oh, I didnt realize you were already collecting...I see.

So, they just cut you off suddenly without warning?

S.C.
Posted 6/15/2017 5:05 AM (GMT 0)
I think what the original poster is talking about is private insurance (through work or self purchased) for short term disability is denying the claim.

I have been out of work since September. After a few months they stopped paying. I ended up going back to work but only lasted three partial days. Working with my HR department they also contact the insurance company and approved me for more time. I did so poorly at work it was obvious I should not be back. They don't want you to know that you can have more time. Anyways I ended up using all of mine up anyways and still not able to work. 6 months is the max my short term plan paid. After it ran out I applied for permanent SS disability because it can be a long process. It is my goal however to get better and get back to work. I am just covering everything because I never had my anxiety hit this hard and I am not sure that I will recover this time. I am agoraphobic and if I can't get someone to run to the store I would starve.

Post Edited (2001TC) : 6/14/2017 11:11:07 PM (GMT-6)

Posted 6/15/2017 4:16 PM (GMT 0)
TC,

Thanks for sharing...I am sure this will help member FishJunkee.

I am sending my absolute best wishes and also my prayers that you will find much healing and recovery soon, friend. Stay hopeful and keep up the good work with all you are doing for your wellness!

S.C.
Posted 6/16/2017 12:27 PM (GMT 0)
Yes i was collecting. Since Im employed by the schools I dont think i have any other options.
Posted 6/16/2017 3:58 PM (GMT 0)
Do you have a case worker with your disability office that you can work with...an advocate? This could just be a case of needing to repeat/update your application status.

Also, double check the policies for your state's limitations, to make sure you weren't cut off prematurely.

Wishing you the best.

S.C.
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