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Abstract

Click here to download a FREE sample of "Disabled Person's Complete
Guide To Long-Term Disability and Social Security Disability.

"Three years ago I was diagnosed with multiple sclerosis"

My name is Linda Taylor, three years ago I was diagnosed with multiple
sclerosis, this is my story:

I fell down the stairs, which broke my tail bone and caused three
bulging discs in my lumbar spine. I went to a chiropractor, and a spine
physical therapist. Eventually my back stopped hurting, but I was
developing trouble walking. When I got hot, my legs would move in a
jerky manner and not do exactly what I was telling them, they would
bend when I wanted them straight and straighten when I wanted them
bent. Also, when I became fatigued, my right leg would drag.

I had more trouble with my right leg than my left, so I thought that I
had potentially pinched the sciatic nerve in my right leg. For this
reason, I made an appointment with a neurosurgeon. The neurosurgeon
ordered an MRI of my lower lumbar spine and pelvis. I did have bulging
discs but no pinched sciatic nerve, so they sent me to a physical
medicine and rehabilitation physician who performed and
electroencephalograph (also known as an EEG). The purpose of the EEG
was to check for any precluded (pinched) nerves. An EEG is where the
nerves are synthetically stimulated with a small electrical impulse
that causes the muscles to move. For example, the doctor touches a
specific spot on your body with the electrode, and it should make your
bicep muscle contract and your arm move.

The doctor informed me that there were no pinched nerves below my neck.
However, she did not stop there; she wanted to know what was really
going on with me so she had me do a tight rope type walk, heel-to-toe.
That did not go well, I took one step and lost my balance. She also had
me try to walk on my toes and on my heels, all were bad. For this
reason, she ordered me to have an MRI of my cervical spine (neck), and
brain.

The doctor called me within an hour after my MRIs were finished and
told me that the neurologist that previously had a three month wait was
waiting for my call and would see me whenever I could get there. She
told me that there were some significant changes in my neck and brain
and that it looked like multiple sclerosis (MS).

I went to the neurologist and got started on a disease modifying drug
to control my MS. Unfortunately, the neurologist did not give me any
steroids to stop the attack that was now running rampant in my body.
Over the course of the next eight months, I went from walking close to
normally to barely being able to make into her office with a quad cane
and holding onto my husband with the other hand.

"I was no longer able to do my job."

At this point, my employer contacted me and told me that I was no
longer capable of doing my job as a field sales rep. I was no longer
able to drive, and I couldn't walk well enough to get around a
customer's building. Hurtful as it was, it was true that I was no
longer able to do my job. I was scared to death that I was just going
to be terminated and completely out of luck. I begged my company to
allow me to move to a different position where I wouldn't have to
travel anymore. I even called a few of the customers with whom I had
close relationships to see if I could work for any of them. Fortunately
for me, the company that I worked for was a very large international
company with offices in more than 22 countries. Because of the size and
the nearly 8,000 employees of my company, they carried short-term
disability and long-term disability insurance. I had never paid any
attention to that portion of my company's benefits packet, because I
was a seemingly healthy 27 year old when I took the bad fall that
started my downward spiral. Not all companies provide disability
insurance for their employees, so I was very fortunate.

At the end of the short-term disability, a representative from the
Human Resources department at the company where I had been employed
notified me that I was eligible to apply for long-term disability. I
looked online for information on what I should do to file for long-term
disability, and I couldn't find much useful information for a person in
my situation. The insurance company was sending me letters that sounded
really great, like they would be willing to send me to school to get
training for any job that I wanted, and other kinds of tricky things to
get rid of me. There were representatives from the insurance company
calling to speak with me about my symptoms. Luckily, I was always very
cautious when talking with anyone from the insurance company, because I
suspected that they could be trying to trick me into saying something
that could diminish my chances of being awarded long-term disability.

After I was finally awarded long-term disability, following several
months of going without any type of pay, I was notified by the
insurance company that I was required to apply for Social Security
Disability or they would stop my benefit payments. This is when the
nightmare really started for me. My application for Social Security
Disability (SSDI) was denied only ten days after it was submitted, the
Social Security Administration did not even wait long enough to receive
all of my medical records before they denied my claim. This is not
unusual, by the way, roughly 3/4 of all applications are denied the
first time they apply. The battle for SSDI benefits went on long enough
that my COBRA ran out and I was forced to go on my husband's insurance,
which was horrendous. I was and am sick with an expensive illness, and
my husband's insurance, through his work, was a high deductible HSA
plan. It had a deductible of $10,000 out of pocket before it really
covered any medical expenses. Between my medication, doctor bills, and
a trip to the emergency room after a bad fall that dislocated my elbow,
we had to pay over $5,000 on only my medical bills by March.

"Many nights I cried myself to sleep"

There were many nights when I cried myself to sleep, wondering if the
situation would ever get better. My legs had gotten worse and my
disease was progressing, and there was no longer any chance of me being
able to work, my symptoms varied too wildly for me to be able to attend
work on a regular basis.

Finally, after a hard fought struggle and three long years, I was
awarded Social Security Disability. My husband and I are just now
beginning to climb out of the financial hole that was caused by the
medical bills. I was very fortunate to have access to short-term and
long-term disability insurance through my job. I can't even imagine
what it would be like for someone without these benefits. I realized
that, although I can't financially help others in a position like mine,
I could save them weeks or months of research by combining all of the
knowledge that I have gained through my experience into this ebook.

Are you recently disabled? You need this ebook.

Chapters in this ebook include many subjects, and will cover many
frequently asked questions in great detail. Some of the subjects
covered in this ebook include the following:

What is the Americans With Disabilities Act? Do You need a lawyer?

What is Social Security Disability, and how do you qualify for it?

What is long-term disability, and who pays for it?

What is short-term disability, and how long does it last?

Many other questions, including "What is workers'
compensation?" "Do I qualify for Supplemental Security Income?" "What
incentives do I have if I am able to return to work?"

This ebook has over 60 pages of no-nonsense information. It includes
active links to websites that may be helpful for you. All the finding
and grouping of disability information has been done for you. Don't
waste your time worrying; this ebook informs you of your rights and the
steps you should take if you have been recently disabled.
Click here to purchase your copy of "Disabled Person's Complete Guide
To Long-Term Disability and Social Security Disability for the low
price of $14.99"

Personal Experiences from People Just Like You:

This ebook is for people who are legitimately disabled. It contains steps and
information on what to do, so you can be awarded disability benefits. We do
not provide nor condone information used to scam insurance companies. This
book contains valuable information that is meant to be used in a legal manner
by persons who suffer from a physical or mental disability. This book will
not help you to be awarded benefits if you are not found to suffer from a
disability.

I was injured on the job, through no fault of my own. This ebook really
helped me to understand my rights relating to Workman's Compensation
and how to ensure that I qualify for all of the benefits that are
available to me.

Thank you for writing this ebook.

Brandon Hernandez

Mesa, AZ

As I was reading your story, Linda,, it was almost as if I was reading
about myself. When I was first diagnosed with Parkinsons, I was
completely overwhelmed. As my symptom got worse, I, too, needed to
apply for Social Security Disability. Not long after starting my
research I found your ebook. You saved me an enormous amount of time
and energy. The ebook was very precise and right to the point. Reading
your ebook relieved a lot of my fears, and with the advice it provided
me, I too, was able to be awarded Social Security.
Tim Jones

Buffalo, NY

I was paralyzed in a car accident. A friend of mine bought this ebook
for me. It was invaluable in helping me to understand my rights as a
disabled person and take the steps needed to be awarded Social Security
Disability.

Mary Johnson

Boyette, FL

As you can see, this ebook is already helping many people who suffer
from different types of disabilities. Get your copy today, Only $14.99.
You won't regret it. If you're not satisfied for any reason, contact us
within 60 days for a full refund.

ORDER YOUR COPY FOR $14.99!
INSTANT DOWNLOAD.
-

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