Long term disability (private insurer)

[Donna32669]

Again, helping a friend here in Florida. She is almost
through the process of being approved for disability coverage (both Social Security & Long Term from her most
current employer). Today during the last interview (we
think) by the private insurer they asked her first what she
felt caused the most problems, her mental health or physical
health, as far as her job. Now, she is a bi polar, severly
depressed, insulin dependent diabetic, with Asthma, and to
top it off has two blown discs. She does not do any type of
interview/questioning etc well, she told the company she
didn't know, probably the mental illness was really bad. They immediately disclosed after that a 2 yr limit on benefits for mental illness. This woman is sick, she has
incontenance, lifetime antibiotics for diabetes related
stomach problems, physically is a wreck. Can an attorny help
her?There is no way she can survive on the social security
that will be left after 2 years, her meds alone are $500
(with insurance). How can they make a determination on
the 2 yr time limit, based on her statement? She is
not capable of handling a checking account, living alone,
(prior suicide attempts), much less making this type of
decision. Any suggestions? Thanks for your help.

 

[familygg]

As you sense, attorneys are far better able to help BEFORE a problem arises, than afterwards.

There are things she should be doing immediately, to build a case that physical alone is rendering her disabled and that even if her mental problems (which she'd argue resulted from the physical ones, while the insurance company would try to argue the converse) went away she's still disabled. And paying for an hour or 2 of lawyer's time now makes sense.