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I've been out of work since last November due to cellulitis infections on my legs. I got my short term disability through the company where my wife and I both work, and that lasted for 3 months. While I was in the process of applying for long term disability, my job called me one morning to say that I had been terminated because I had missed my return to work date, even though they were well aware that I was still unable to work. I was hospitalized shortly thereafter, and my wife got the insurance shifted over to her just in time or else I wouldn't have had any insurance. By this time my infection could only be cured with IV antibiotics and a hospital stay.
While in the hospital I found that I was also ineligible for unemployment because our employer told them I'd quit. Bullshit. And on top of that, they only give an 11 day window to appeal which I wasn't even aware of until I got home and looked up the information online, long after the 11 days were up. Finally, the long term disability was denied because of a pre-existing condition clause. I had been previously treated for type 2 diabetes, but not cellulitis in and of itself. Listening to the choice words my wife had for the lady from Matrix Direct when she called and found that out gave me a good smile, which is nice because lately those have been few and far between.
I'm still in no condition to work at this time (though I am getting better, slowly), and there will be no help forthcoming with the piles of debt I have and can't even dream of paying, because we're obviously rich on my wife's $11-and-change hourly pay, and besides even though it costs $320 a month, we have insurance already.
If we lose everything, we get to say goodbye to our four wonderful cats and everything but the clothes on our backs and a couple carry-on bags, and off we go on a Greyhound bus to Pensacola, Florida to live with my mother-in-law. She's a wonderful woman, but also a problem drinker and has a boyfriend who's dying of cancer.
Life is fucking great!
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