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Real members of myRAteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Short Term Disability From A Job (not State/Federal)

Short Term Disability From A Job (not State/Federal)

I just got denied for toe surgery because my school's disability carrier, Cigna, is considering it a "pre existing condition". I have to wait one year! I literally went to the dr with my twisted, arthritic toe ONCE and was told it needed to be surgically broken and pinned straight. That apparently constitutes "treatment". I'm numb. I'm in shock. I feel lost. I'm out of school on extended medical leave with no pay. I have no idea what to do. I heard state disability can take 1-3 years. Can that… read more

A myRAteam Member said:

@A myRAteam Member

Jody, what I would do is call the insurance commissioner of your state. Tell them you saw the doctor and got a diagnosis, but you did not receive any "treatment" per se. See what your insurance commissioner says. If he/she says you have the right to receive insurance ask her if she can contact the insurance company in addition to you doing it also. Remember everything needs to be in writing. So, if you have a case write your insurance commissioner (Get the name) and review what your question was and what her response was. You NEED a paper trail for anything like this.

On the subject of disability insurance. It CAN take up to 3-5 years to get awarded SSDI, it's not written in stone. I have read many stories where patients have been awarded SSDI (Social Security Disability) within three months or so. I doesn't hurt to apply for it. It can only help to try. If you for some reason get denied this is your chance to hire a SSDI attorney who by Federal law cannot take any more than 25% of your retroactive award check. It is a decent deal. It happened to me just this way.In a way if you are financially destitute it is more of an asset than a detriment. You will be eligible for State assistance. You may be eligible for medical care via "Medicaid" or a similar program.

Message me any time. I might be able to help you. Don't despair and definitely don't give up!

Be strong!

posted over 6 years ago
A myRAteam Member said:

First I know its hard but you need to go to the state and get any benefits you can i.e. food stamps, medical, even financial. Then maybe try to fight that decision. I'm in the same boat needing surgery from a work related injury. They treated it from April until Aug then I needed surgery I got fired under false pretenses after 10 yrs at this employer and then it was no longer work relate . Now I have a lawyer cause I can't do it. I can't handle the stress. Bad enough I have a torn rotator cuff that needs surgery which I can't get. So try to keep your head high and don't give up.😊

posted over 6 years ago
A myRAteam Member said:

Yes it’s true I also collect disability from the day of my disease. I stop working in 1991. God bless you Arlene

posted 2 months ago
A myRAteam Member said:

What about the state disability insurance you pay into each paycheck? Is it not viable because this is a workman's comp claim? How can RA be a workman's injury? Please contact your state disability office. You should get payments retroactive to the first day you could not work. In California I never even had to go to the disability office. They sent me a one page application, my doc signed it and sent it back to them and I started getting checks within about 2 weeks. Please try this. I'm sending you prayers that you will get the help you need. And also, food stamps, medicaid and housing voucher to help u pay your rent/mortgage. You've paid into these benefits from the day you started working so you are entitled to them. And there is no shame in that at all. God bless,
Andrea

posted over 6 years ago
A myRAteam Member said:

Thank you for asking. Unfortunately, the dr does not take my new insurance!!! In the end, I'm going to finish my 3 month FMLA period and go back to my classroom. I just can't make it without a paycheck. Plus, my short term disability carrier (Cigna) was giving me a very hard time. I'm sad and feeling tremendous anxiety, but I feel trapped. Not a great start to 2016. Hope you are well. How are you feeling?

posted over 6 years ago
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