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#1
Jun 15, 2017, 09:44 AM
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Hello Everyone,
So I am going to start back working after being off of it for sometime. I recently learned that you cannot take short term or long term disability for pre-existing conditions. Previously, I believed I would be alright because I figured that I would pay the extra money monthly to secure the ST or LT disability for me just in case I have a psychotic break and need to adjust my meds but since I cannot do this does anyone know of anything similar that I can pay for that will pay me on the chance that I am out of work dealing with my mental health. I know the government has SSDI but I don't think I will be that severe again. I just need something to hold me over a few months just in case. Does this even exist? |
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#2
Jun 15, 2017, 11:35 AM
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Most commercial policies totally exclude mental health conditions....I looked after my first psychosis.....let me know if you find an alternative
__________________
Hugs! 
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#3
Jun 17, 2017, 08:53 PM
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Oh geez, I need to check my policy now. I didn't even think to ask when I signed up for it. I assumed I was covered because my last policy covered me.
Good luck. I hope you figure something out. Seesaw
__________________
 What if I fall? Oh, my dear, but what if you fly? Primary Dx: C-PTSD and Severe Chronic Treatment Resistant Major Depressive Disorder Secondary Dx: Generalized Anxiety Disorder with mild Agoraphobia. Meds I've tried: Prozac, Zoloft, Celexa, Effexor, Remeron, Elavil, Wellbutrin, Risperidone, Abilify, Prazosin, Paxil, Trazadone, Tramadol, Topomax, Xanax, Propranolol, Valium, Visteril, Vraylar, Selinor, Clonopin, Ambien Treatments I've done: CBT, DBT, Transcranial Magnetic Stimulation (TMS), Talk therapy, psychotherapy, exercise, diet, sleeping more, sleeping less... |
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#4
Jun 23, 2017, 06:51 AM
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Hi there! There is always up to 12 weeks of FMLA you can take as a full time employee. I am currently applying for it myself for intermittent leave - as in, when I'm adjusting to a med and I can't stay awake, I'll leave for 3 hours (or the day) and take a nap. It's as needed, and unpaid unless you have spare PTO or vacation/sick time. Just wanted to throw that out.
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#5
Jun 25, 2017, 11:07 AM
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Quote:
I still need to check on this pre-existing condition business. I got my insurance policies exactly for the reason if my disorders got too severe, I would be covered. Seesaw
__________________
What if I fall? Oh, my dear, but what if you fly? Primary Dx: C-PTSD and Severe Chronic Treatment Resistant Major Depressive Disorder Secondary Dx: Generalized Anxiety Disorder with mild Agoraphobia. Meds I've tried: Prozac, Zoloft, Celexa, Effexor, Remeron, Elavil, Wellbutrin, Risperidone, Abilify, Prazosin, Paxil, Trazadone, Tramadol, Topomax, Xanax, Propranolol, Valium, Visteril, Vraylar, Selinor, Clonopin, Ambien Treatments I've done: CBT, DBT, Transcranial Magnetic Stimulation (TMS), Talk therapy, psychotherapy, exercise, diet, sleeping more, sleeping less... |
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This is an old thread. You probably should not post your reply to it, as the original poster is unlikely to see it.|
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