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- Thread starter Dsmcseller
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Dsmcseller
Junior Member
Thanks for the reply in a pleasant matter. So basically what you read it would meet a pre-exsiting condition, am I right? The point I was making is yes both employers used the Standard, and if it was considered a pre-exsisting condition I would have had coverage with the Standard for the dates they are seeking. Also one page asks for records from 04/02/2006 to 06/30/2006, while the form I am supposed to fill out asks for records from 07/05 to 07/06. This does not seem consistent. Is there anything you can recommend that I do to receive benefits.
Don't really concern yourself with the consistency. Someone, somewhere may have simply made a mistake. My opinion is that you will be denied the benefits. They will use the fact that you were diagnosed with a disease in order to say that you were "treated" within the time frame.
cbg will be by to give better advice.
Dsmcseller
Junior Member
I would appreciate it. Does it matter that my treatment started 10/2001 and ended 01/2006 then was diagnosed with more problems than I was originally. Meds were filled during the time frame they are asking for 04/06 to 06/06 but were not consumed. So do I quit my employment since I am still on medical leave for medical reasons, so I can at least get unemployment. I will do work searches, and have while on leave but everyone seems to be out to get me.
Since most people don't get Rx's filled, just to throw them in the drawer, you will have a hard time proving that you didn't use them. Also, most people who quit their jobs don't get unemployment.
edited to add:
The sticking point for you appears to be the prescriptions. They show "treatment received" to me. However, I may be looking at it incorrectly.
cbg usually shows up at night. You should see a response from her this evening. Or, Betty may come by. She was an underwriter.
edited to add:
The sticking point for you appears to be the prescriptions. They show "treatment received" to me. However, I may be looking at it incorrectly.
cbg usually shows up at night. You should see a response from her this evening. Or, Betty may come by. She was an underwriter.
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Dsmcseller
Junior Member
Thanks for all your help I will look forward to their responses. Believe it or not I was the one that had RX's filled and left them in the cupboard. When I felt I was going crazy in October I brought the bottles to the doctor, she did throw 3 of the 4 bottles I brought to her down the toilet, at least she says she did. She said I only needed Zoloft for the depression, and Geodon for Bi-polar Schizophrenia, and Psycotic behaviors. They did cover mis-diagnose in their letter to me but this all goes under mental I guess.
Dsmcseller
Junior Member
Betty and CBG I would appreciate your review and comments as well as instruction if there is a way I can get approved for the LTD. I am not out to mislead or defraud anyone but do need income. I am still mentally unstable in the opinions of both my Psychologist and Psychiatrist.
This is part of the problem. You were diagnosed with a mental disability (for lack of a better term, sorry), and you will be attempting to show that you did not receive treatment in the last 6 months. How can you show that you didn't take your meds?
Dsmcseller
Junior Member
You are right, I cannot show I didn't take the meds, Unless the Doctors medical notes states she discarded meds I brought in. I went to her telling her I thought I could do it on my own without treatment but I was wrong. I know you feel it's irrelevant about the dates being requested, namely 04/02/2006 to 06/30/2006. But I feel it should be considered in making a decision in my claim.
Dsmcseller
Junior Member
Its actually 3 months and the only thing dampering this is the prescriptions, I was dumb for filling them. Proof I wasn't trying to scam anyone. I was doing fine and the new job sent me over the edge. Isn't this part of group insurance? I signed up and paid for this coverage and employer never supplied a policy where I can read up on this. Does this mean they will stop the remainder of short term disability which would have went out to May? Guess I will become homeless. Help Betty
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Hi. My expertise is not quite what you're looking for. You want to be approved for disability income right now due to a current medical problem. You need someone who worked with approving claims for disability benefits. cbg might be able to help you more - she works/worked with group ins., employee benefits, etc. I would underwrite individual (some group) applications submitted to the ins. co. I worked for by people wanting disability inc. ins. if they became disabled in the FUTURE. We would want the person to be without any medical problems currently that might result in them submitting a claim. We would not issue currently to you with your hx or to anyone who is already getting DI ins. We want to keep the co. from having to pay out claims.
Dsmcseller
Junior Member
Thank you Betty I really do appreciate it, same goes to moburkes & Ozark. Hopefully cbg will look at the whole picture and give advice on how to be approved. My questions would still be will STD still carry out for the six months? My Mental Health Exam with Social Security is 04/04, basically took 3 months, and I hear this is usually a good sign, so then If I get it I wont need LTD. My job sent me over the edge as I was doing okay till I started there. I bought insurance without ever even getting a policy on.
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Dsmcseller
Junior Member
Question for CBG
CBG,
If you read the posts you will see my serious dilema. I was told by insurance company that STD would end in May, but LTD is now reviewing the claim. It would appear I am not getting the six months of coverage promised. You will also see I was insured by The Standard with both employers and would have had coverage from 04/02/06 to 05/23/06 which is part of the time they are requesting documentation which would be from 04/02/06 to 06/30/2006.
From 10/01 to 01/06 I did see a psychiatrist and my treatment ended with the last visit I had with her 01/06. I was diagnosed with depression and ADD, thats it. When seeing new doctor in October 2006 I brought RX bottles I had filled in April and May 06 as my insurance was going to expire due to a change in employment. I thought I many need the RX's but didn't. My doctor threw out 3 of the 4 RX's which may be in the medical notes.
I was also diagnosed with Bi-Polar Disorder, Schizophrenia, and Chronic Anxiety & Stress. This is much different from my original diagnosis with 1st Psychiatrist. I know these all fall under mental but should be considered. Though RX's were filled, they were not consumed as I was trying to handle my depression and add through natural means. It didn't work though.
I really need the LTD while SSI is handling my claim for permanent disability, because mentally I cannot function at any type of work. What advice can you give me to help me be able to collect the benefits I paid for. Also the letter asks for 90 days treatment before I became eligible for LTD, then on the form I am to complete it states 07/05 to present. Is this correct. Please help me.
CBG,
If you read the posts you will see my serious dilema. I was told by insurance company that STD would end in May, but LTD is now reviewing the claim. It would appear I am not getting the six months of coverage promised. You will also see I was insured by The Standard with both employers and would have had coverage from 04/02/06 to 05/23/06 which is part of the time they are requesting documentation which would be from 04/02/06 to 06/30/2006.
From 10/01 to 01/06 I did see a psychiatrist and my treatment ended with the last visit I had with her 01/06. I was diagnosed with depression and ADD, thats it. When seeing new doctor in October 2006 I brought RX bottles I had filled in April and May 06 as my insurance was going to expire due to a change in employment. I thought I many need the RX's but didn't. My doctor threw out 3 of the 4 RX's which may be in the medical notes.
I was also diagnosed with Bi-Polar Disorder, Schizophrenia, and Chronic Anxiety & Stress. This is much different from my original diagnosis with 1st Psychiatrist. I know these all fall under mental but should be considered. Though RX's were filled, they were not consumed as I was trying to handle my depression and add through natural means. It didn't work though.
I really need the LTD while SSI is handling my claim for permanent disability, because mentally I cannot function at any type of work. What advice can you give me to help me be able to collect the benefits I paid for. Also the letter asks for 90 days treatment before I became eligible for LTD, then on the form I am to complete it states 07/05 to present. Is this correct. Please help me.
cbg
I'm a Northern Girl
There is nothing in the law that is going to force the STD carrier to cover you if you are no longer eligible or if you have not abided by the rules; this includes not providing them with the information they require and are entitled to. If you won't provide them with the information they've requested, nothing I can do or say is going to get you approved. There is also nothing I can to to help you get approved if you do not or no longer meet the eligibility requirements.