Has anyone been able to use Long Term Disability Insurance from Work?

My job pays for Long Term Disability Insurance for 6 months after a 1 week waiting period. Has anyone ever been able to take advantage of this?

Here's the kicker - The only place I see success is at work. Work is about all I manage to get right while the rest of my life falls to ruins. Sometimes I think it would be SO GREAT to be able to get some sort of disability and actually TAKE CARE OF MYSELF, but I don't see how that would be likely to happen when I'm so high functioning.

I had a friend who I think was able to use hers (different employer etc) to go to rehab for 6 months. I've been learning a little more about what is going on with me and it's scary. Touching on these subjects is going to be DIFFICULT. I just feel like I need some rest. It's like I'm scared to do the work if I don't know that I'll have that security blanket to fall back on. Anybody have any experience?

i dont know about disability from work but i understand what you are talking about being high functioning. i have four or five diagnoses...too many to keep track of...lol......not funny i know.......but life is truly awful on one side, so bad that i dont even feel secure enough to take out my own trash.....i just did my laundry for the first time in two months....it is just too scary.....i go to therapy two times a week and i have been a wreck this week because the dr wants me to go for routine medical tests..i wrecked my car last week due to my anxiety going out to dinner cause i am trying to get out in the world...i have years of therapy ahead of me to get ok. i am very intelligent and high functioning though and have dissociative disorder so i can separate from all this crap in order to preform on the job. my therapy records would certainly qualify me for disability, but i found out you have to be unemployed for a year as well and just how am i supposed to survive? i can hold up on the job but then i am a mess for the other 16 hours of the day and all weekend. i just cried through a manicure and never made it to the pedicure. it would be nice to take a few months off for intensive treatment to get it together, but my insurance only cover three days in treatment. so you are not the only one stuck........hang in there..........

Yeah it does sound like you know what I'm talking about. I will be following up with my insurance. I forgot they offer telephone support for issues such as depression. I never did it, but I don't think it's like therapy. It will be more like "management". Are you eating well? Exercising? Taking your meds? Etc.

Well I swear, if I start going into all of these issues that I'm only NOW realizing need to be addressed, that hospital stay may not be that far away.

Is this in place of, or in addition to Worker Comp? Disability insurance is the way to go if it's not expensive for you... worker comp is pitiful in FL and only pays if you are disabled at the job. (Scott's trying to remove worker comp from the State, btw. Not sure where that would leave me.)

No this is not Workers' Comp. Honestly don't think they would approve me, but I'm now going to be following up on all of this. I'm MISERABLE.