Wow - you are amazing: So kind of you. I like the way you responded to each question, I have decided to stay with my husband so I wanted to claify this part:
I should file for medicare via the county office and the state both correct? Actually, it would be state medicaid (state medical assistance), not medicare. But again, if you are staying with your husband and he has income, that will likely put you over the income level. Remember, medicaid is welfare, therefore, it is not for the non-poor. Your husband may want to be a bit more cooperative about getting you some group insurance through his work, either this job or a better one that provides this basis, because it is very likely that he can be held responsible for any medical bills you incur, due to the doctrine of necessaries that holds spouses liable for the medical bills of their ill spouses - i.e. it is our mutual spousal duty to care for our other, and medical creditors will gladly hold him to that. A couple of trips to the ER by you and he may quickly learn of that responsibility. And quickly decide to get you some health coverage.
I was terminated as a result of the disability Do you mean, as a result of not being able to do your job? They can terminate you for not doing your job regardless of the reason.
and they never approved the STD Typically, the employer has nothing to do with the the STD decision - it is made by the adjusters at the insurance company that issued the policy.
so when I asked for LTD they said it would not be approved since the STD was denied. Yes, you GOT STD you said, right?? DO apply for LTD and let your employer know that you want the claim submitted, since that is part of your compensation package.
I have been off and on disabilty so many times, I received a copy of the records and almost every year for the past 5 years I was on disability at some point. It happens, I am so sorry.
I have been very dilegent with the record keeping, and my doctor has as well so hopefully I will not need an attorney. Ouch, record keeping is not really the problem - since SSA will get all the records we tell them of, at its expense. The problem is evidence creation, and knowing what precise evidence is needed to prove disability under the definition in the SS Act. I do urge you to take some SS disability courses so you can learn the Social Security Act, the Code of Federal Regulation pertaining to getting disability, more particularly in 404, the POMS, the Social Security Rulings, the HALLEX etc. When your medical records don't describe what is needed for a disability finding, you will want to know what it is you need to get as additional evidence. You will ideally also want to do caselaw research into the Federal court cases in your circuit, to learn what further dictates in that region (not necessarily other regions) - but I'd start with the former areas first, since that will be more available to you via the SSA.GOV website. You may as well start now, so at least you may be up to speed before any hearing (which I am sure you can be). And, that doesn't mean you won't win first stage - some impairments are clear on their face - but they are the minority. For instance, if you are a quadraplegic or even a paraplegic, hands down, you will win - or if you are legally blind and it is not correctible - other impairments, however, are not so cut and dried.
Good luck with all!
I hope this helps clarify for you.
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