Quote:
Originally Posted by Marty_S
I am perfectly ok remaining at home for a few months while the anxiety gets under control. My challenge is my insurance company is not fine with that. I am not looking for solutions on how to immerse myself into my workplace.
I am not looking for way to accommodate myself to my workplace. My insurance company is working full time on that already, despite my doctor's warning.
I know my work, and I know going back right now is not a good idea. My doctor agrees with me, but my insurance refuses to even acknowledge my doctor's advice.
I think that will cost them the appeal. I honestly don't think they can outright reject the advice of a licensed medical doctor who advises me to remain off work.
The most frustrating part is that while in the middle of this war between my doctor and my insurance company I am not getting any better.
I left work to recuperate. Unfortunately I haven't had any time to do that. I think that's the insurance company's strategy: make time away from work even more unpleasant and destructive than time at work would be.
I have run across dozens of websites explaining how to better accommodate and manage anxiety in the workplace. I have yet to find one that details how anxiety can impact the workplace. I haven't found one that warns about the risks of returning to work with a severe GAD. That is what my insurance case manager is looking for from me. I have been paying into insurance for fourteen years. I have taken less than half dozen sick days at my work for fourteen years. I am not going to put my health at risk just to go to work more. I have witnessed dozens of people take time off work for less. I am not going to martyr myself for my company this time. My health is going to be first. That means remaining absent from work. No one seems to be hearing this. That's incredibly frustrating.
What I am looking for is an explanation/example of how to convince my insurance company to recognize pressuring me back into my workplace is a bad idea. What I am looking for is a way to convince my insurance company to put me back on Short Term Disability coverage while I get better. While my doctor has a report to submit. I have one as well. Mine is the one I am working on and can't complete.
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short version you cant convince them to stop pressuring you to go back to work, its their job to look at the facts and decide whether or not they can pay your bills with their money.
think of it like you are in a computer business. someone walks up to you and says I want that software for free, you pay for the software and give it to me.
your not going to just hand over that computer software and eat the cost of giving it to someone else. you are going to need all kinds of documentation to prove this person really needs that computer software....so whats going to make you stop pressuring this person to buy their own software? right... documentation, proof....
in order to get insurance companies to pay for your bills rather than requiring you to go to work and pay your medical bills from your paycheck, you will need to jump through all their hoops gathering all the information they need to make an informed decision...
suggestions get a psychiatric evaluation from a treatment provider that is listed on the insurance plan.
unfortunately only you can fill out your part of the forms. Ive already given you suggestions on how to get your forms filled out...(contact the insurance company and tell them you need help on the forms and set an appointment for one of their employees to help you, ask a friend who lives in your location to help you, ask your treatment providers to help you.) others here have also made suggestions, but each time you say you cant do that...well only you know what you can and cant do,
unfortunately we can not help you fill out your forms for you because we are not you, we dont know your life history, and only you know the full extent of your disabilities.
look Im going to be a bit blunt here...you seem to have no problem writing about your problems here in psych central. that tells me you can fill out this forms that you need to do. just think of it like making a post, sit down and write about your problems as if you were writing about them here on psych central..maybe go back and read your past posts, that can tell you what your problems are and what you need to write down on the forms.
I think you can do this. just breath and take it one question at a time.