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A MyMSTeam Member asked a question 💭
Columbia, TN

Does your doctor have to SAY you're unable to work before you can file for disability?

February 26, 2015
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A MyMSTeam Member

Yes. Please don't give up! You have paid into the system, so you are able to get it. It just takes time and being persistent.
Once you get to the court part and can speak to a judge, tell your story. The entire story! How you worked with MS, why you can no longer work. Like a lot of people, the judge most likely is not very knowledgable about MS. Inform and educate! This was the way I had to go. I stopped working at 29 years old. I loved my job. And I was honest with not wanting to leave, but it was my job or my family. Get on a personal level with everyone you speak with. It will help in the long run...

March 2, 2015
A MyMSTeam Member

I don't think it matters what your doctor says. I have 2 doctors supporting me in my inability to work but I have been denied 3 times! I am waiting for a court date right now to go before a judge. All I know is they want you to give up trying to get on disability but I am not giving up! Don't get discouraged it may take awhile.

March 1, 2015
A MyMSTeam Member

I actually was let go due to downsizing. I had been there 25 years. I went on unemployment fully thinking of finding a job.I started hoping no one would call because I didn't think I could do it anymore. I applied for SSD online. I never told my doc.

February 27, 2015
A MyMSTeam Member

Listen to your body. I would think that since you haven't been to work in so long, that's it's time to leave your job. I'm assuming you have short term disability... Otherwise, they would have let you go by now. If you do have short term, most likely you have long tem disability. That is great to have! If so, go to your Human Resource center and start a claim. You should then hear from the disability company your company has. After filing a bunch of papers, you should get approved. (That's the easy part).
Then you start with the long process of getting approved for Social Security Disability. Because we aren't on "death row" it takes a bit longer. And don't be surprised if you get denied... I did because of my age... Obviously they don't know much about the disease... Most are diagnosed in their 20's and 30's.
Anyway, appeal the denial and go to court. This normally is about a year to two years after you started the claim.
Keep in mind though that if you do have long term disability, you are getting a paycheck from them. Most likely not the same amount as you did bring in, but atleast something.
Now, let's see, you're in court now telling a judge about your situation. You have a lot of paperwork and he actually has more than you do about yourself... The judge has everything from your doctors, counselors, etc. You have your memory...(Not good, but better than nothing). You tell your story. Why you can't work anymore. How work causes more stress, etc. Hopefully you have a somewhat nice judge. Then you will get a decision then, or wait on him to review your file one last time. You will then get a letter stating your approval or disapproval. Is denied go back to court!

This was mainly my experience, not everyone's. I will say that the NMSS has great info on how to file and what to say when filing for disability.
Also, my long term company had me working with a third party called AllSup. They are great! Basically did everything for me, except for signing my name.

I'm just trying to say that if you can't work,get this stress out of your life and file for disability. Yes it can take a while, but in the end, you will feel relieved.

February 26, 2015
A MyMSTeam Member

The short answer is yes. Your doctor will have to fill out paperwork stating he/she considers you unable to work.

I used to sell disability insurance and have also assisted in paying disability claims. Make sure you check into which type of policy you have, short-term or long-term, and exactly what your elimination period is. The elimination period is how long you must be considered disabled by your physician before the insurance will pay you any money. To collect on these policies you must be "unable" to perform your daily work activities. How that is defined is up to your physician. Just be aware there should also be forms you and your employer will have to complete and turn in. Make sure that on all three sets of paperwork (doctor, you & employer if the policy is through your job) everything is filled out and SIGNED prior to being sent into the insurance. Make COPIES of EVERYTHING. If the forms are not complete this will slow down any pay out coming to you. Also make sure to follow up with the insurance carrier to make sure they have received every page of that paperwork. If they have not you will have copies in order to resend the information. Get names and dates of anyone you speak to at the place that processes the disability claims (they may not be processed by the actual insurance carrier but at another administrative office that must also comply with HI PA guidelines regarding privacy). Stay on top of where your paperwork is in the process to make sure you are paid in a timely manor. Hope that helps!

February 26, 2015

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