[Jirel]

Susan, all my best to you. I hope you are going in for an immediate appeal.

Please, may I selfishly ask you to keep us updated on your progress? I have LTD through my company and in my last flare (lasted 5 months) I almost quit to go on disability. I know its comming and I have been wondering what the process will be like. Your experience could give me so much information, it would help me immensely. Yes, I'm planing on it taking 2 - 3 years to get SSI disability, but it sounds like you had no problems with the long term? If I knew I could get my long term right away I would worry less. Its a lot higher than SSI - yes, I know it doesn't include medical insurance, but at least I would have income while trying to get SSI, and I know they would be pushing for the filing so they could get their money back.

PS - is anyone willing to tell me what LTD company they have? I have only Lupus, non organ involved. But I DO have major back problems as well.

 

[Jirel]

Maia and Suebehar, thanks. I will pm you guys when I can. You know how that goes. I'm still working right now so my involvement is rather sporatic.

 

[Jirel]

Well, although Cigna is my health insurance, Unum is my LTD insurance carrier. So no help there in making me more comfortable with the process. On the other hand, I keep telling myself I should be happy I can still work and make more money, and I know I should. Its just that some days I don't want to deal with all any more - although how I think having to deal with no money would be better.... sigh.