Babycakes
Active member
- Joined
- Mar 24, 2017
- Messages
- 60
- Reason
- DX MND
- Diagnosis
- 04/2017
- Country
- US
- State
- CA
- City
- Pacifica
Hi there, I'm a 37 yo gal with slowly progressing limb onset with second opinion dx 9/2018. I stopped working last year and had no problems with SSDI. I have an LTD policy through my last job. Their definition of disability changes after 2 years...so for me 11/2021. It changes from unable to work your position to unable to work any position. I just have this hunch that they are going to try to deny me....it might be fine, but I'm trying to understand the policy to be ready just in case. Here's the definition of any occupation:
Any Occupation means any occupation for which You are qualified by education, training or experience, and that has an earnings potential greater than the lesser of:
1) the product of Your Indexed Pre-disability Earnings and the Benefit Percentage; or
2) the Maximum Monthly Benefit.
This basically means an earning potential greater than inflation adjusted monthly benefit amount.....
I'm wondering if they take SSDI and dependent SSDI as earning potential. Also I moved states...from California to the midwest (where I'm originally from). I'm wondering how or if they will look at that?
Maybe I'm overthinking this, but I'm a little paranoid....I'd like to volunteer/walk the dog/help at my kids' school while I'm able...even if it's difficult physically, it's good for me mentally. I'm hesitant to do anything....ugh.
Anyone had issues with The Hartford? The claim managers are nice and helpful....but I'm a little on edge....and I hate----hate not working. Trying to stay in gratitude and positivity.
Kim
Any Occupation means any occupation for which You are qualified by education, training or experience, and that has an earnings potential greater than the lesser of:
1) the product of Your Indexed Pre-disability Earnings and the Benefit Percentage; or
2) the Maximum Monthly Benefit.
This basically means an earning potential greater than inflation adjusted monthly benefit amount.....
I'm wondering if they take SSDI and dependent SSDI as earning potential. Also I moved states...from California to the midwest (where I'm originally from). I'm wondering how or if they will look at that?
Maybe I'm overthinking this, but I'm a little paranoid....I'd like to volunteer/walk the dog/help at my kids' school while I'm able...even if it's difficult physically, it's good for me mentally. I'm hesitant to do anything....ugh.
Anyone had issues with The Hartford? The claim managers are nice and helpful....but I'm a little on edge....and I hate----hate not working. Trying to stay in gratitude and positivity.
Kim