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XanaDUer2

(11,729 posts)
Thu Mar 3, 2022, 08:51 PM Mar 2022

Got an email from long term disability insurance co

My nerves freak me out whenever they contact me. I had to take an anti-anxiety med. The email had a password I had to reset, making it an even longer time before I could read it. I'm always worried they're cutting me off, thus I won't have money for my COBRA.

They want more information from my doctors, plus all my social security information. I have no idea how to get that from them, to the ins company. I called my lawyer and forwarded the email to them.

The whole thing is so stressful. If I don't do it by a certain date, I'll get cut off. I need a printer cartridge to print these letters out. I need hard copies due to cognitive issues, so I can refer back.

Disability is so hard.

20 replies = new reply since forum marked as read
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Got an email from long term disability insurance co (Original Post) XanaDUer2 Mar 2022 OP
are you sure that wasn't a phishing scam Skittles Mar 2022 #1
Hi Skittles XanaDUer2 Mar 2022 #2
you mentiioned a lawyer Skittles Mar 2022 #10
Thanks I TOTALLY agree nt XanaDUer2 Mar 2022 #11
Can you screen shot & email to attorney? SheltieLover Mar 2022 #3
I saved and emailed it, yes XanaDUer2 Mar 2022 #4
Breathe SheltieLover Mar 2022 #5
Right. I am doing so nt XanaDUer2 Mar 2022 #8
Is it helping? SheltieLover Mar 2022 #12
Yes, and I'm watching The Apartment on TCM XanaDUer2 Mar 2022 #13
I can only imagine SheltieLover Mar 2022 #14
I've never seen this classic XanaDUer2 Mar 2022 #15
Good! SheltieLover Mar 2022 #16
I know I don't have to tell you this, but remember you can go to a library to print stuff. BlackSkimmer Mar 2022 #6
Thanks, I will XanaDUer2 Mar 2022 #7
There are several in my county. Do you have another you can use? BlackSkimmer Mar 2022 #9
Disability is hard on purpose. (n/t) OldBaldy1701E Mar 2022 #17
You shouldn't be too surprised that they want more information PoindexterOglethorpe Mar 2022 #18
When I got on disability many years ago I remember them calling me and trying to Maraya1969 May 2022 #19
Thank you XanaDUer2 May 2022 #20

XanaDUer2

(11,729 posts)
4. I saved and emailed it, yes
Thu Mar 3, 2022, 09:01 PM
Mar 2022

I'm worried that I'm making my lawyer mad. They're very good about sending answer letters, and it's been 10 days since I called with my last question about paying the LTD back. Which is scary to me. I'm hoping the lawyer could explain it better in writing.

SheltieLover

(57,073 posts)
5. Breathe
Thu Mar 3, 2022, 09:06 PM
Mar 2022

Slowly. Like brearhe in to a count of 4, hold for a count of 4, & exhale to count of 4. Can really help anxiety level.

XanaDUer2

(11,729 posts)
13. Yes, and I'm watching The Apartment on TCM
Thu Mar 3, 2022, 09:48 PM
Mar 2022

I'll make calls tomorrow. I HATE dealing with this stuff. I'm so burned out

 

BlackSkimmer

(51,308 posts)
6. I know I don't have to tell you this, but remember you can go to a library to print stuff.
Thu Mar 3, 2022, 09:20 PM
Mar 2022

I know you already know that, but sometimes we forget under stress.

I live in walking distance of my library, but when dealing with an issue a few years ago, I almost bought a new printer because of paperwork. Then I remembered.

During Covid, they didn’t even charge for printing!

Hang in there.

XanaDUer2

(11,729 posts)
7. Thanks, I will
Thu Mar 3, 2022, 09:24 PM
Mar 2022

I hate going into my library because I used to work there, and I'm embarrassed. But if ya gotta, ya gotta.

 

BlackSkimmer

(51,308 posts)
9. There are several in my county. Do you have another you can use?
Thu Mar 3, 2022, 09:27 PM
Mar 2022

I do understand that being uncomfortable, absolutely.

Anyway, NO WAY you should be embarrassed.

PoindexterOglethorpe

(26,041 posts)
18. You shouldn't be too surprised that they want more information
Thu Mar 10, 2022, 12:12 AM
Mar 2022

from the doctors. Disability is not easy to get, and people haven't a clue how fully documented the disability needs to be. I used to work for an attorney who did Social Security Disability appeals. There's a myth out there that they always turn a person down the first time they apply. No, it's that people don't submit the many papers and forms and every bit of medical information that supports the disability.

The main thing I did for this attorney was to go to local Social Security offices and photocopy her clients' records. They were hundreds and hundreds of pages.

Maraya1969

(22,813 posts)
19. When I got on disability many years ago I remember them calling me and trying to
Sun May 8, 2022, 07:32 PM
May 2022

mess with me, like one asked why I couldn't just take my anti-anxiety meds and go to work?

I had a lawyer also and they told me to not talk to them. I think it is a good idea to hand everything over to your lawyer.

One more thing that I learned. I had a friend who went to their doctor and acted like she had her shit together and just chatted with the guy. She was turned down. When went I just acted confused and depressed which was not lying but usually I was able to hide those things from regular people. I figured that doctor should see me at my worst so I was not faking it but I certainly did not "put on a happy face" for him.

I don't know if they still make you go to one of their doctors.

I wish you the best. I know the process can be long and stressful.

XanaDUer2

(11,729 posts)
20. Thank you
Sun May 8, 2022, 08:35 PM
May 2022

I got a great lawyer who works with my doctor. They told me the same. If the LTD gets cut off, let them deal with it.

So far, my first turn down, was this assessor I was sent to. Not a doctor. She spoke to me 10 minutes and wrote 8 pages to turn me down.

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