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Member
Member Since Dec 2015
Location: Tampa,FL
Posts: 33
8 |
Jun 15, 2017 at 09:44 AM
#1
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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Legendary Wise Elder
Member Since May 2013
Location: Chicago
Posts: 26,424
(SuperPoster!)
11 22.8k hugs
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Jun 15, 2017 at 11:35 AM
#2
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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Human
Member Since Apr 2014
Location: Home
Posts: 8,405
(SuperPoster!)
10 1,285 hugs
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Jun 17, 2017 at 08:53 PM
#3
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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Junior Member
Member Since Jun 2017
Location: PA
Posts: 16
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Jun 23, 2017 at 06:51 AM
#4
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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Human
Member Since Apr 2014
Location: Home
Posts: 8,405
(SuperPoster!)
10 1,285 hugs
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Jun 25, 2017 at 11:07 AM
#5
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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My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.
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