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Eugene Barron

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Posted on Tuesday, August 19, 2003 - 12:42 pm:

I'm 43 years old and have been receiving LTD benefits for a year now due to severe osteoarthritis in both knees. One knee requires a total replacement but am considered too young to undergo the surgery since it would have to be repeated in several years. As of Oct '04, my insurance co. plans to cut me off because they are confident I can work in some type of related field. I've been a route salesman for the cracker and drink biz for the past 25 years with no other type of experience or training and the dr. says I will never be able to return to that type of work. My condition will only deteriorate and my dr. says that nothing short of a totally sedentary position will work for me. I've been denied SS benefits and realize that one day, I'll be back to work in a suitable position that won't interfere with my disability. I'm making every effort to reach that goal and have returned to school for a 4 year degree (as encouraged by the insurance co). The insurance co. has offered me a 'buy-out' until Oct 04. We are refusing to take it, knowing that it will take longer to complete training in a totally new field.
The insurance co. is planning to find some type of job but I'm worried about potential salary, location, and getting in 3 semesters of school but having to quit due to lack of income.
I don't plan to sit on disability insurance for the rest of my life but certainly don't want to be cut off prematurely especially with a deteriorating condition. What rights do I have?

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