My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

“Insurance Companies Practice Deny & Delay Tactics”…The Deutermann Law Group

“Some critics say being barred from court discourages complaints, and some of those barred from court say they don’t trust the arbitration system enough to pursue it. Joseph Belth, a retired professor of insurance at Indiana University and editor of a widely read industry newsletter, calls the ability of fraternals to unilaterally change dispute-resolution rules for policyholders “an outrage.””…WSJ May 30, 2006

“For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.”…Ephesians 6:12



My disability, how it affected me and how I was treated by the Disability insurance company and Social Security Disability.

Prior to my disability, I had been active all of my life, had only been to the hospital for sports injuries and had worked hard mentally and physically.

My disability event happened on February 27, 2009.

After 2 initial filings for disability claims and a letter from an attorney, my claim was denied.

The claim has been ongoing since then and I have had legal representation for over a year.

I vowed that no matter how this played out, I would expose the mistreatment I received from the disability insurance company.

Since the claim process is ongoing, I will report what I am able to reveal.

Here is the general sequence of events:

I was upstairs and alone.

I felt a numbness beginning in my right foot which began to spread up my right side.

I walked a short distance to the bedroom and laid down.

I was thinking stroke but tried to remain calm.

I called my lady friend who called her physician father on the west coast.

She arrived home and immediately took me to the emergency room a short distance away.

They triaged me for stroke which thank God it wasn’t, ran some more tests and kept me overnight.

The numbness all along my right side began to go away overnight except for my right foot, which remains with me today.

It wasn’t just numbness but there was also pain. The closest analogy I can think of is when your hands get numb and painful from making snowballs too long.

From the time that I left the hospital I was forced to keep my right leg propped up and pretty soon my lower back beagn hurting.

I was in pain during the day and my sleep was difficult at night.

A few days later I had an appointment with the attending physician, who I had never met before the hospital visit. He began talking about taking vitamins and quite frankly did not impress me.

After the second visit and my insistence, he referred me to a podiatrist.

The podiatrist was competent and immediately referred me to a spine specialist.

The spine spcialists examined me and took xrays. They found compression and fusion in my lower back. They also gave me an injection for pain which did little to help.

On the next visit they ran point to point tests from my lower spine to my foot.
Their conclusion was atypical neuropathy.

I had contacted my disability insurance company earlier to inform them of what had happened and they sent claim forms.

I filed claims with them twice and on both occasions the spine specialists indicated “no work.”

After the second denial I had an attorney write an excellent letter to no avail (except for documentation).

I also filed an online claim with Social Security Disability. More on this later.

Knowing what I know now, I would have immediately contacted an attorney to handle this case.

There were multiple reasons why I did not.

First of all, this was a fraternal plan I had paid on for 25 years. I was in disbelief, shock as well as pain. I could not trust them.

Also in the contract you agree to go through a process of appeal, mediation and binding arbitration. I should have had an attorney handle that.

After months of diagnosis, filing claims and dealing with the pain I had to protect myself. Thank God I had assets. I got by on savings, disposal of assets and eventually early Social Security retirement at a reduced amount.

I was able to make payments on the house I moved back into after my lady (fair weather) friend broke things off and my car.

I am one of the fortunate ones.

The TV ads daily reveal those who were helped by an attorney or they would have gone under financially.

Once again, I am blessed. But I was devastated financially.

Medicare was a blessing. With the great supplement a friend recommended, I was able to get a knee replacement for my other knee.

Exercise became part of my therapy to reduce the pain. I was then able to resume it.

What the disability company did was wrong, evil.

I am not going to let them get away with this, for myself and others.

More on this when I am able.


More here:

9 responses to “My disability how it affected me and how I was treated by the disability insurance company and social security disability, Delay and deny incompetence and evil, What I will eventually write will shock and infuriate you

  1. citizenwells

    “we ended the year with a total adjusted surplus of $ 4.6 billion.”

    From the disability insurance company that denied my claims twice in 2009. Citiizen Wells

  2. citizenwells

    From Michigan-Patriot prior thread:

    This article is a very good read…M-P

  3. citizenwells

    “A 35-year-old has a 50 percent chance of becoming disabled for a 90-day period or longer before age 65. About 30 percent of Americans ages 35-65 will suffer a disability lasting at least 90 days during their working careers. About one in seven people ages 35-65 can expect to become disabled for five years or longer.”

  4. citizenwells

    “In 2013, there were 2,640,100 applications submitted to the Social Security Administration.
    Of the 2,640,100 applicants, only 884,894 were awarded Social Security Disability payments.
    That means that 1,755,206 applications were denied SSD benefits in 2013.
    The number of applications that were awarded payments in 2013 went down 9.7% from 2012.”

    “Arthritis is the leading cause of disability, followed by spine problems”

  5. oldsailor84

    …….during my wife’s employment she became disabled and was unable to work. Like you she had paid into the disability insurance which was offered to all employees of the Nursing Facility which employed her. She had paid into the insurance for 11 years, but when she filed for it she got the runaround. So she took the matter up with the state AG, who contacted the insurance carrier. I don’t know what he told them but within 3 days she received the disability funds, and a check to cover the several months of haggling as well. CW it would seem to me that it is time to bring the NC AG into the act. That sort of practice is one of the reasons why each state has AGs. You fill out the complaint form, send it to them ,and they take it from there. My wife’s complaint via the Indiana AG didn’t cost her a penny.

  6. oldsailor84

    …………SOCIAL SECURITY DISABILITY…………. it is a cat of a different color. There have been so many PROVEN attempts to defraud Social Security Disability, that the organization has had to put a huge parcel of new rules into play just to protect the system. In 2016, and to date there have been a record number of attempts to collect disability. An extremely large portion of the claims were finally proven to be fraudulent. I am a believer in disability if a person has a genuine affliction. Those who are disabled because of illegal drug use should not be allowed to collect disability. They brought their problems upon themselves. If somebody is disabled because of prescription drug usage then it is time to have a long talk with the prescribing doctor……….maybe even a PROSECUTION. Some try to FAKE THEIR DISABILITY, and others try to LIE about it. Social Security investigates EVERY CASE. It might take them a little while to get your claim processed, but if the CLAIMANT is on the up and up that person will get every penny due him/her. I have read that each day there is a huge barrage of disability claims being sent to Social Security. Each must be thoroughly investigated before it can be approved. That is only fair!. When somebody tells Social Security he /she is confined to a wheel chair, then investigators discover that person on the golf course, walking from green to green, and whacking a golf ball with a really monster wood. That person deserves to be given a SLAMMER VACATION.

  7. oldsailor84

    ……….a few months after my wife had her knees replaced, she was finally ready to return to work. She called the insurance carrier, and told them when she was going to return to work. They sent her a letter thanking her for telling them that she was no longer disabled. She worked for another eight years before finally retiring. She was a FLOOR NURSE at a NURSING FACILITY. I sympathize with you in your disability battle.

  8. oldsailor84

    ………….but it seems to me that the world has become one big ball of HATE AND MALCONTENT. What has become of mutual respect, trust, and perhaps an extended hand of friendship, between countries. It appears that all we get from insulting, and the disrespect of our earthly neighbors is the same thing in return…………so what have we gained except more hatred?
    Personally I believe that since all the hate , and disrespect has FAILED BIG TIME, maybe it is time for our misguided, and twisted politicians to extend a hand of friendship, trust, and decency towards the rest of the world. While I believe that it is ok to feel good it is NOT OKAY to practice an “I AM SOOOOOO IMPORRRRRRTANT therefore all others must kiss my behind if they want my help”attitude. This is exactly what much of the world is fed up with coming from our leaders. This breeds more disrespect , and hatred. We are seeing this sort of attitude in nearly all walks of life in America these days. If Americans are no longer able to rise above HATRED, AND DISRESPECT, then the PROBLEM is not the people of other countries, rather it is the SKEWED, AND OTHERWISE TWISTED MENTALITY of LIBERAL America. Until the liberals dispose of their “I’M SOOOOOOOOOOO IMPORRRRRRRRTANT” attitude they will never be able to communicate effectively either with a foreign country, or much of America as well. REALLY SAD!

  9. oldsailor84

    ..YOU REAP……..
    ……….what you sow!

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