Joined: 21 May 2004 Posts: 4 Location: Overland park, KS
How to Test And Demonstrate Inpairment. Posted: 05-21-04 01:02am
I'll skip the specifics of my back
problems. Many of you have worse
physical conditions and I wish you the
best.
In addition to trying to get better
physically, I am having problems with
doctors and how they cooperate or not in
my collecting my private disability
insurance.
I am in pain every day resulting from a
herniation and ddd. But, the level of
pain and the degree to which it affects my
ability to conduct activities without
greatly increasing pain and stiffness is
very variable and mostly depends on what
activities I did the day before.
My disability insurance pays when I cannot
perform my regular occupation. It's one
of the better policies out there, or at
least you used to be able to get such
policies.
My regular occupation was leading seminars
which requires nearly daily travel by
plane or driving, standing all day,
carting around 3 - 6 heavy boxes from
location to location,and other physical
activities.
The reality is that I could probably make
it through one or two days with increasing
pain, but by the third or fourth day I
would be in such pain, have stiffness and
be "generally messed up" to the extent
that I would not be able to continue.
But the doctors, who have to sign my
insurance form monthly, want to see some
"objective" test. Well, on any given day
when I have not been active for several
previous days, they are not really testing
my ability to perform the job.
The question:
does anyone have experience in this area?
How do you demonstrate objectively what
the 3+ day impacts of activity would be?
Thank you.
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dorisb
New User, Becoming EHEALTHy
Joined: 10 Oct 2004 Posts: 2 Location: Michigan
Please Share Your Experience Posted: 10-10-04 10:14am
I just posted "need advice fast". Go read
that but i'm kinda going through the same
thing you are. I can't believe noone
replied and gave you any advice:(
do you mind reading my post and letting me
know what happened in your case? My ltd
ins co is trying to boot me off!!
Thanks so much. You can e-mail me at mailboxa
t@yahoo.Com
