I just have to ask: What is this LTD you're all talking about? In Hawaii, the
only choices are Workers' Comp and Temporary Disability Insurance (TDI). My TM
wasn't work related, so of course I don't qualify for Workers' Comp. And they
said that since I had more than 2 weeks of sick leave when TM hit, that I
didn't qualify for TDI. (Several people checked that for me b/c it didn't
sound like it makes sense, but that's the law here!)
So I've had no income whatsoever since I got TM in May of 2005 other than the
few weeks of sick leave and vacation pay that I had left, and the donated
vacation leave that several of my co-workers gave me. I live alone and have no
source of income, other than the option to sell my house. I had some savings,
and the cash that I took out of my house when I refinanced it before my pay
checks stopped coming. Of course, at the time, I had no idea I'd be out of
work for 2 years so didn't take much out. I've been trying to get SSDI for
over a year, and just now got MedQuest so I won't have to pay $300/mo COBRA for
health insurance, and I go in next week for an interview for food stamps!
Sorry. I'm really complaining here, aren't I! I shouldn't, b/c I've also
received help from some of my family and my church for the last year (not my
idea, but at the advice of my Bishop, who said not to wait until my funds were
totally depleted to accept help, b/c then it would require a lot of help!).
But of course that's temporary, to say nothing of not wanting to take advantage
of others. I need to either get back to work or sell my house, but hate to
sell when I'm so much closer to getting well enough to work!
Sorry - thanks for listening to me complain. I guess I just had to vent a
little! And I'm happy for those of you who are getting LTD!
Sally
