Anyone have disability insurance?

Locutus D'Borg said:
I am 100% disabled under social security. That means I was put on SS disability way before retirement age. You have to apply, and there are law firms that will help you (but at a cost). I did it on my own, with my doctor's help. Military only classified me at 70% disabled.

So you can and maybe should get insurance, but just remember that SS can help you. And, no, I don't work for SS.
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I did it on my own as well. My doctor really helped me. Every time I used to see him he would give me a paper to fax to Social Security. I was approved 6 months after I applied. Which is really unheard of. But my disability is visible and obvious. I did have to see a federal doctor. I walked into his office he looked at me and told me to go home. And then I got my approval letter. PS I get reviewed every 3 years. I don't think I'll get any more because of my age I used to complain like hell of the taxes I used to get deducted out of my paycheck. Now I'm grateful I paid all them taxes
 
Vlade said:
I did it on my own as well. My doctor really helped me. Every time I used to see him he would give me a paper to fax to Social Security. I was approved 6 months after I applied. Which is really unheard of. But my disability is visible and obvious. I did have to see a federal doctor. I walked into his office he looked at me and told me to go home. And then I got my approval letter. PS I get reviewed every 3 years. I don't think I'll get any more because of my age I used to complain like hell of the taxes I used to get deducted out of my paycheck. Now I'm grateful I paid all them taxes
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Yeah, I was reviewed twice, it was routine. After a while, they left me alone.
 
I hired Binder and Binder law firm to help me with social security disability, and was approved the first time about 6 months after my application. I was paid a lump sum back-payment to the prior date of 100% disability starting the previous year, and the lawyers kept a percentage of that lump sum as payment in full (like 25-33% or something, I really don't remember, and it might have been less).
 
In 2000, I became disabled. My employer had always offered disability coverage (through Unum) but did not absorb the monthly cost of around $7 (lol), so I paid it all the time. When disability started paying, it paid 70% of gross pay, which here in california meant that I was getting more take home pay than I had been making. In the meantime, I applied to Social Security, as required by the disability policy. I was approved on my initial claim submission within 90 days of its submission. I did my own paperwork rather than farm it out to an attorney. ONce approved by SS, the amount of their payment to me was deducted each month from the payment made by Unum, so never lost a buck. Twelve years later, I turned 65 and Social Security amounts changed a bit and the disability payment from Unum stopped and I had only SS from then until now.

Edit - Every three years Unum would require a new doctor's statement of my condition which never improved sufficiently enough for me to return to work.
 
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betzner said:
In 2000, I became disabled. My employer had always offered disability coverage (through Unum) but did not absorb the monthly cost of around $7 (lol), so I paid it all the time. When disability started paying, it paid 70% of gross pay, which here in california meant that I was getting more take home pay than I had been making. In the meantime, I applied to Social Security, as required by the disability policy. I was approved on my initial claim submission within 90 days of its submission. I did my own paperwork rather than farm it out to an attorney. ONce approved by SS, the amount of their payment to me was deducted each month from the payment made by Unum, so never lost a buck. Twelve years later, I turned 65 and Social Security amounts changed a bit and the disability payment from Unum stopped and I had only SS from then until now.

Edit - Every three years Unum would require a new doctor's statement of my condition which never improved sufficiently enough for me to return to work.
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Yeah that's unum and I had the same company. I think it was $7 a paycheck or $8. It sucks getting disabled. I always made top money. But like you I'm on only Social Security at this point. I'd much rather be working. But as life has it it just wasn't made to be.
 
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My employer offered AFLAC when I first started. It was great coverage and reasonably priced. We had a couple of claims and they were quick to pay. When my employer changed providers AFLAC allowed us to keep the same policy and just pay annually instead of through payroll. Haven't needed it since
 
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