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        <title>Disability Insurance</title>
        <description> I am 52 and have had permanent LAF for the last 2 years.  The year and a half before that were spent about half in and half out of either Atrial Flutter or Afib. I have just completed another ablation (my fourth - only one gave me some relief) which doesn&amp;#039;t appear to be sucessful.  I&amp;#039;ve had no luck with drugs.  I have tried to be stoic and &amp;quot;work through it&amp;quot;, but I&amp;#039;m getting to the point where I just feel too tired, stressed and depressed. My job is mainly a desk job, but entails some field inspections and lots of deadlines and stress (like most jobs). The job just drains most of my strength. I often feel like I&amp;#039;m not really performing the way I should be. I do have 2 long term disability policies, one personal and the other group which I get through work.  I am now considering making a claim for disability.

I&amp;#039;m wondering if anybody else has reached this point and taken this step, and what kind of response they got from their insurance company.</description>
        <link>https://www.afibbers.org/forum/read.php?9,1095,1095#msg-1095</link>
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            <guid>https://www.afibbers.org/forum/read.php?9,1095,1186#msg-1186</guid>
            <title>Re: Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1186#msg-1186</link>
            <description><![CDATA[ Pam, it took 3 hospital visits and 3-5 er visits and testing done by their doctors.  It took me 9 months, but by then I hadn&#039;t been able to work long enough to accrue enough work credits, so they put me on SSI.  Am now in the process of trying to show I couldn&#039;t work during the times they said I could.  What a pain in the butt they can be.]]></description>
            <dc:creator>Debbi</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Wed, 29 Oct 2003 21:21:16 +0000</pubDate>
        </item>
        <item>
            <guid>https://www.afibbers.org/forum/read.php?9,1095,1163#msg-1163</guid>
            <title>Re: Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1163#msg-1163</link>
            <description><![CDATA[ Debbie:  I&#039;m surprised at social security.  Good for you.  Did you have to document a certain frequency of episodes or what documentation did they require.  I am on SSD also, but mine is because of a frontal lobe stroke following my ablation, and subsequent short term memory dysfunction.  It has taken a year to get through all the red tape, and to be tested by 3 of their clinical psychologists.<br />
<br />
Pam]]></description>
            <dc:creator>Pam</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Wed, 29 Oct 2003 13:57:30 +0000</pubDate>
        </item>
        <item>
            <guid>https://www.afibbers.org/forum/read.php?9,1095,1123#msg-1123</guid>
            <title>Re: Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1123#msg-1123</link>
            <description><![CDATA[ When I was out of work for 3 months due to AF I applied for my private policy and for the SS policy.I would have been approved for a partial benefit(had I not gone back to work after my ablation) due to the fact that I was still able to work at home and continue to make money that way.If your doctors are on your side and will send the right info to your officers then I`m pretty sure you can get the disability payments-That is after the 6 month waiting period that SS has before you see anything..Either way it`s a bit of a hassle getting them on the phone and making it happen.]]></description>
            <dc:creator>Sammy</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Tue, 28 Oct 2003 22:18:35 +0000</pubDate>
        </item>
        <item>
            <guid>https://www.afibbers.org/forum/read.php?9,1095,1106#msg-1106</guid>
            <title>Re: Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1106#msg-1106</link>
            <description><![CDATA[ I applied for and was approved for social security disability for A-Fib/A-Flutter]]></description>
            <dc:creator>Debbi</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Tue, 28 Oct 2003 17:13:47 +0000</pubDate>
        </item>
        <item>
            <guid>https://www.afibbers.org/forum/read.php?9,1095,1099#msg-1099</guid>
            <title>Re: Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1099#msg-1099</link>
            <description><![CDATA[ Doug - I also just had my 4th ablation.  When I asked my regular EP if he thought I should quit my job because it was so stressful, he said &quot;No, just take 2 weeks off. &quot;  I had been working 5 1/2 months at this job.  When I told them what the doc said, they said I would be kicked out of the system after being absent one week.  In other words, they were laying me off.  I applied for unemployment, but didn&#039;t receive it--didn&#039;t have enough hours.  <br />
<br />
It would be very interesting to see if this would qualify as a disability.  I imagine you could qualify with the right letter from a doctor, an open insurance company, luck, and lots of patience.<br />
<br />
I understand your wondering.  Because when I started this job I had finally been back in NSR for about 3 months.  After about 2 months into the job, I went back into afib.  Doc said antibiotic I was given by primary care doctor could have put my over the edge back into afib.  <br />
<br />
Anyway, I haven&#039;t worked since August 4th.  I am waiting to get the all clear<br />
before I start looking again.  But I really don&#039;t want to rock the boat if I am back in NSR.  <br />
<br />
Good luck, njb]]></description>
            <dc:creator>njb</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Tue, 28 Oct 2003 15:53:29 +0000</pubDate>
        </item>
        <item>
            <guid>https://www.afibbers.org/forum/read.php?9,1095,1095#msg-1095</guid>
            <title>Disability Insurance</title>
            <link>https://www.afibbers.org/forum/read.php?9,1095,1095#msg-1095</link>
            <description><![CDATA[ I am 52 and have had permanent LAF for the last 2 years.  The year and a half before that were spent about half in and half out of either Atrial Flutter or Afib. I have just completed another ablation (my fourth - only one gave me some relief) which doesn&#039;t appear to be sucessful.  I&#039;ve had no luck with drugs.  I have tried to be stoic and &quot;work through it&quot;, but I&#039;m getting to the point where I just feel too tired, stressed and depressed. My job is mainly a desk job, but entails some field inspections and lots of deadlines and stress (like most jobs). The job just drains most of my strength. I often feel like I&#039;m not really performing the way I should be. I do have 2 long term disability policies, one personal and the other group which I get through work.  I am now considering making a claim for disability.<br />
<br />
I&#039;m wondering if anybody else has reached this point and taken this step, and what kind of response they got from their insurance company.]]></description>
            <dc:creator>Doug</dc:creator>
            <category>AFIBBERS FORUM</category>
            <pubDate>Tue, 28 Oct 2003 14:18:16 +0000</pubDate>
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