Comments on: You can lose insurance benefits because you didn’t disclose

By: Rosalind

Rosalind — Tue, 03 Aug 2010 21:08:18 +0000

Hi Sean – You said you’ve been out of work for 7 years – all due to the economy or some due to your pain? It’s hard to get SSDI for back pain, especially without medical documentation I’m wondering why you never documented the pain – were they due to injuries or medically related conditions? Is it possible to find some kind of work that you can do even with pain? That might be a better long term plan. Good luck.

By: Sean N. Bean

Sean N. Bean — Tue, 03 Aug 2010 20:34:55 +0000

I found you on twitter, I’m @AZDenn… and have been intrigued by the concept of your web page ever since… Due to the state of the collapsing economy I am now once again looking for work. I have been out of the workforce for the last 7 years, and some months in change. As a long time landscaping and garden center manager I have chronic back pain, but always went to great lengths to never document my injuries. Looking back now I wonder if that was a mistake…

This particular post makes me wonder what I should bring up should anyone respond to any of my job applications. I am seriously considering applying for Social Security Disability, seeing as I am not getting any bites on my job applications over the last 18 months…

By: Rosalind

Rosalind — Tue, 23 Mar 2010 15:42:37 +0000

Good point, Emily. There are so many loopholes in this system and areas where things can go wrong. Thanks for pointing this out.

By: Emily

Emily — Fri, 19 Mar 2010 02:47:03 +0000

Something to consider are “self-insured” group plans where the employer is the insurer. I’m afraid there are discriminatory hiring practices out there that would be very difficult to discern because the self-insured employer does not want to incure the expense of a chronically ill employee.

I have known people to cover up an illness and pay all expenses out of pocket for a couple of years so the employer (who is also the insurer) does not know about a chronic illness. Many states exclude self-insured plans from legislation that mandates coverage in large groups.

This is definitely an area that could use some attention from lawmakers!!!