Just curious... I am currently out of work on STD (company benefit) & protected by FMLA, for I think 12 weeks (florida), I hope my recent surgery will "fix" me... but I am very symptomatic and have some new issues, PLUS, my NS only picked one level.... to work on (ALIF), I have two other bad discs. So..... I am getting scared, what if I don't get better? What if I can not return to work? I was offered LTD Insurance with medical rider as an option under our group plan, which I purchased! I am early in recovery process - surgery was Aug 24, so maybe I'm over reacting, or expecting too much of myself, I've started P/T, and its so disappointing to see how weak I've become. I am usually the life of the party (during my pain free times), I've become depressed, I am seeing a therapist, helps a bit..but @ this point I can not even imagine being able to work again, ever! I am young (ish) will be 43 this year and work in an office. SITTING is probably the most painful movement I can make, really I am best when laying in bed with pillows proping me up here & there. Gosh, I can't even sit on the toilet for 5 min without me entire left leg, foot, toes, thighs & butt going completely numb!
So, again WORST CASE for me, let's say do I need my LTD, would that mean, I don't need to go through with what so many of you described as hellish ordeal dealing with SS & hiring attorneys....?
Is it easier or more difficult dealing private disability compared to SS?
Don't know if true, but I've been told the younger you are the harder it is...and also office working people usually are always denied!
Any experience, opinions, or knowledge would be appreciated!
I've suffered a host of complications post operatively and now my left shoulder, neck and upper back are causing me lots of pain. My PCP declared me temporarily disabled and I have a 4 year disabled parking permit.... which if I do get better I will surrender. I am not one to "milk" the system, and I have worked for 28 years, 7 of which (of recent) have been working with extreme pain!
Wishing all pain free happy days!
Sad & hurting.