| Author |
Message |
    
Pls dont tell
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, September 17, 2001 - 4:26 pm: | 
|
Hi,
I work for a e-commerce company and its financial status is kind of shaky now. I got an offer and it is from a much more stable employer. I would like to change job. However, during the health exam, doctor found one of the cancer indicator is kind of high. They did some ultrasound and did not find anything. However, I am still waiting for futher exam. The hospital facilities is really jammed and my further exam is scheduled to be in November.
Can I change job before all exam results come out? The current job carries short-term and long-term disability insurance and so does the employer I would like to join. However, I am not sure how the term "existing conditions" is defined and don't know if it is good to change job right now. Pleas advise. Thanks.
Reply by Paul The complete answer to your question is beyond my expertise, which is just Social Security, but I can tell you to be careful and trust no one. Unless you are a very valuable employee, certain diagnoses can make it much more difficult for you to get a job or get insurance. There are some laws against this, but they do not work all that well. Certain companies routinely and illegally discriminate against the disabled. |
wayne s loeblein
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, June 02, 2001 - 2:45 am: |
|
question;I am currently in the process along with my attorney seeking social security disability do to a degenerative/diseased spine *!*pain !I have wonderfull medical/hospital and prescription plan coverage following a 30 year career/retirement eligibility====>although free,my presription costs are + $8000.00 /yr and would i be forced to accept medicare coverage with little or no presciption cost benefits.Thank you in advance |
Paul McChesney (Admin)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, June 06, 2001 - 5:18 am: |
|
Wayne, that is a crucially important question; and I cannot answer it. It would depend on your health insurance contract. Let your lawyer read it. |
Anonymous
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 02, 2001 - 10:47 am: |
|
I am attempting to get on disability.
I have been working and will continue to work as best I can (as self employed).
I have a bipolar condition which is aggravated by
the stress of working fulltime or closely with
other people for extended periods.
Because I have had to leave my last 2 jobs, I will lose all health benefits at the end of this year.
Do you have any suggestions?
My interview is Wednesday. |
Paul McChesney
Rating: N/A
Votes: 0 (Vote!) | | Posted on Monday, April 09, 2001 - 4:35 am: |
|
Two questions: Health insurance and your disability claim.
Most people with serious health problems need health insurance as badly or worse than they need a disability award. There are many ways to get health insurance; the obvious is to get hired somewhere and keep a job for long enough to get it. If you cannot do that, you can try to purchase it yourself, but most of my clients cannot buy it at any price because they have pre-existing conditions. In some states you can purchase special insurance for the otherwise uninsurable, through the state. Spouses can sometimes get on the policy of the person they are married to.
If you are a citizen of a country with national health care, such as Canada or the United Kingdom, do not give up your citizenship. You might need it one day. There are many bad things about national health care, but citizens of those countries are not made destitute, and are less likely to be fired from jobs that offer health insurance, if they develop chronic disease.
If none of those things work, you are left with public charity type health care, which is pretty good in some places, bad in others, and in some places simply nonexistent. If you are on medication, you can sometimes get this continued through special programs such as those at discussed at www.needymeds.com.
If I were you I would talk to a local lawyer about your Social Security claim. If you need a couple of names, please email me your city and state. Ask him or her about health care, too. If he or she cannot tell you in great detail about what is available locally, I would get another lawyer.
A good attorney is particularly important where you are trying to work and pursue a claim at the same time.
Good luck with your many problems. |
Jan Baucom
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, October 20, 2002 - 9:23 pm: |
|
My husband was aproved for disability on March 2002 ,and began recieving benifits sept 2002. I would like to know when he should begin getting Medicare benifits. At this time he is insured under Cobra Law from insurance he had through former employer. I have heard that if he can continue private insurance to within 6 months of getting Medicare he will qualify for the supplemental insurance they offer,is this true. We do not have an attorney for this and we live in NC. Also he recieves full disability not supplemental. Thank you.
Jan |
Linda Goad
Rating: N/A
Votes: 0 (Vote!) | | Posted on Thursday, November 07, 2002 - 10:18 am: |
|
I was approved for diasability benefits October 2002 and recieved backpay in November 2002.I am concerned about medicare benefits if I will get them and when. I am married and my husband is employed as a security guard which doesn't pay much.we couldn't afford their insurance which is a very poor insurance anyway. I am 58 so I have a
few years before retirement benefits . |
Paul McChesney (Admin)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, December 21, 2002 - 6:47 am: |
|
I will answer Jan and Linda's questions at once. The simple answer: Anyone who gets Social Security Disability will eventually get Medicare.
When? Find, on their notices, the date for which you got your first check (not the date you actually got it. The date you should have gotten it. That date will be on the notice.) You will get Medicare in the 24th month after that date.
Another way to figure that date: If you apply immediately after you become disabled, and the Administration admits that you became disabled on that date, you will get Medicare 30 months after you become disabled.
Next question: How long will private insurance continue under COBRA?
Answer: COBRA is a federal law that requires employers to continue group health insurance after you quit work. In other situations COBRA is available for other periods. In disability situations, COBRA can extend for 18 months after you stop working and your group insurance ends. That period can be extended to 29 months if you are declared disabled before the 18 months is up.
But be aware that if you miss a premium payment, they can cancel COBRA immediately.
To answer a question you didn't ask, Medicaid, a separate program, is available under different rules in different states. But certainly you get Medicaid for every month in which you get SSI or a fairly low Social Security disability check. You should look into Medicaid eligibility by contacting the Administration or your state Social Services. |
steggs4
Rating: N/A
Votes: 0 (Vote!) | | Posted on Wednesday, July 09, 2003 - 8:43 pm: |
|
my dad is sick and he wants to get on disabilty but he is afraid he will lose his retirment that the company put in ? can they do that.
thank you teresa |
Paul McChesney (Admin)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, July 13, 2003 - 8:39 pm: |
|
You should check with a local attorney to be sure. But I would guess that there would not be a connection. |
gertrude solano
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, May 18, 2004 - 8:45 pm: |
|
i:am 46yrs.old and 2001 got sick, i have arthrtis of my lower back and neck,also have astma,andsleep apena my question do is iam i eligible to get social securty or ssi ,thank you |
GERTRUDE SOLANO
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, May 22, 2004 - 6:34 pm: |
|
i also take 7 kind of medicine for my asthma , I ALSO USE A CPAP FOR MY SLEEP APNEA,AND I TAKE VIOXX FOR MY LOWER BACK ,MY DR. TOOK ME OFF WORK AND THAT I CAN WORK FOR A YEAR . |
Paul McChesney (Admin)
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, May 30, 2004 - 4:59 pm: |
|
It is impossible to say. The diagnoses are never enough. I need to know what limitations they cause. That does seem like a lot of problems, though. |
Barbara Broumberg
Unregistered guest
Rating: N/A
Votes: 0 (Vote!) | | Posted on Saturday, October 23, 2004 - 10:44 pm: |
|
I have lived with my common law husbnd for 20 years. His company wants proof after covering me on his insurance for the past several years since I lost my textile job. It is a second marriage for both of us and although married we are leaving our children our individual worth. We do not have anything in a joint ownership. Can they take my insurance away? |
Paul McChesney (Admin)
Board Administrator
Username: Admin
Post Number: 864
Registered: 5-2004
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, November 14, 2004 - 8:38 am: |
|
Barbara, maybe; it depends on the state. In the otherwise not so wonderful but for this purpose wonderful South Carolina, common law married is married. In other states there is no such thing, and in many states there are special rules. Additionally, each company has special rules. In short, get your company documents and take them to a local attorney. He will give you your options. |
jeannie harris (Jeannie)
New member
Username: Jeannie
Post Number: 1
Registered: 9-2004
Rating: N/A
Votes: 0 (Vote!) | | Posted on Tuesday, September 07, 2004 - 5:47 pm: |
|
I have a question. My husband changed jobs and I continued his insurance by Cobra. I am currently disabled, my medicare goes into effect Dec of this yr. Of course Cobra ends. As his dependent I can sign up for medical insurance thru his company in December. Now, my question is, can they turn me down because I will have medicare coverage in December and not let me sign up? I hope I did this right, never used this before |
Paul McChesney (Admin)
Board Administrator
Username: Admin
Post Number: 815
Registered: 5-2004
Rating: N/A
Votes: 0 (Vote!) | | Posted on Sunday, September 12, 2004 - 6:03 am: |
|
I am not sure. I know a lot about one thing, that is, Social Security Disability, and you are asking a question about how health insurance works.
It is an important question. As an obvious first step, try and see. If they will not let you sign up, do not take their word for it; get a copy of your husband's benefit booklets and take them to an attorney who handles a lot of health insurance issues; you will probably have to call around or call your state bar association to find one.
Take care and good luck. |
