re:disability ins. employers plan

[Guest MARIEJANET]

I WENT ON DI IN JAN OF 98, FROM A LG. CO. I RECV'D MY 1ST CHECK FROM THEM IN APRIL,(4 WKS. OF SALARY CONTINUANCE)THE 4 CHECKS WERE IN MY ADMINISTRATOR'S DRAWER SINCE THE FIRST WEEK I WENT OUT. IN JUNE I RECV'D 20 WEEKS OF CHECKS. IN SEPTEMBER, I RECV'D A LETTER STATING THAT I AM NOT DISABLED, THEREFORE MY CLAIM IS CLOSED. I WROTE A LETTER A WEEK AFTER RECEIVING THEIRS AS I HAD A 60 DAY WINDOW TO REPLY. I HAVE A NERVE PALSY, DRIVING IS PAINFUL AND NOT VERY SAFE WHILE I AM IN THIS CONDITION. IN MID-NOV., I GOT A CALL FROM THE DI DEPT., A NURSE, NOT THE CASE MANAGER WHO WROTE ME THE DENIAL LETTER. I ASKED FOR AN ACKOWLEDGEMENT + A REPLY TO MY LETTER. THE CASE MANAGER STILL DID NOT CALL CONTACT ME AS THE NURSE PROMISED. I ASKED HER TO ALLOW ME AN IME AND I ASKED TO BE PRIVIED TO INFO. EXPLANING THE STANDARD PROCEDURES OF THEIR DEPT. SHE DID NOT RESPOND TO THAT REQUEST. SHE CALLED BACK IN 2 WKS. TO TELL ME THAT I HAVE AN IME ON 12/15/98. I DROVE TO THE IME, A 45 MIN. DRIVE, WHICH WAS OF NO CONCERN TO THE NURSE . I DID NOT THINK THAT I WOULD HEAR FROM THEM AGAIN. MY SUPERVISOR TOLD ME IN JAN. THAT HIS BOSS, STATED, IF SHE DOES NOT GET IT STRAIGHTENED OUT W/THE DI DEPARTMENT SHE WILL BE TERMINATED, IF SHE DOES NOT COME BACK TO WORK. I WORK FOR THE LARGEST INS./FINANCIAL CO. IN THE INDUSTRY. THE INSURER IS NOT A 3RD PARTY. I DID NOT FEEL WELL ENOUGH TO FUNCTION AT WORK, I RETURNED 1/28/99 , ANYWAY. 3 DAYS AFTER RETURNING TO WORK, I GOT A CALL FROM THE NURSE.SHE SAID THAT SHE IS GOING TO RELEASE THE BAL. OF MY STD BENEFITS AND SUGGEST TO THE LTD DEPT. TO PAY APPROVE MY CLAIM. THE END OF FEB. I WAS PAID, ALL IN ONE CHECK FOR 6 MOS. OF LTD. I TOLD THEM THAT I RETURNED TO WORK, I WAS PD. TO THE DAY PRIOR TO RETURNING TO WORK. I JUST SAW MY NEURO TODAY. HE THOUGHT I WOULD HAVE BEEEN BETTER BY NOW. I HAVE A NERVE PALSY, CORROBORATED BY 2 ORTHO SURGEONS AND THE IME DR. I SIMPLY CANNOT CONTINUE TO TRY WORKING RIGHT NOW. I DREAD DEALING WITH THE DI PEOPLE AGAIN. THEY WILL NOT SEND ME A BENEFIT CHECK ON A WKLY BASIS. BY RETURNING TO WORK AND DOING A TERIBLE JOB FOR 9 WKS., I HAVE RUINED MY TRACK RECORD. I HAVE NO ADVOCATE. I HAVE EVERY INS. LISC. EXCEPT AUTO+HOME. I KNOW THESE PEOPLE ARE NOT ONLY UNETHICAL BUT ACCORDING TO MY A+H LISC EXAM, THEY ARE NOT EVEN ADHERING TO THE LAW. I AM IN A VACUUM AND I CANNOT SEE WHO IS GOING TO ENFORCE THE LAW.

ANY COMMENTS? ADVICE?

1 MORE QUESTION> PER THE ADA, ONE NEEDS TO BE PERMENANTLY DISABLED TO BE PROTEECT BY THAT ACT. DOES THAT MEAN FROM 1/98 TO UNTIL I AM DECEASED?

I AM GLAD THAT I FOUND THIS PAGE. ANY INFO., I WILL BE SO GRATEFUL FOR.

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