by Sotrsab » Thu Apr 19, 2012 5:12 am
From what I understand, everyone gets denied right away. I think it's an attempt to weed out those who try to abuse the system. I was extremely lucky. I didn't use an attorney & I was approved quickly after I re-filed. It might help to try & find out who is responsible for saying yea or nay. I say this only bc my T happened to teach at the same University as the person who approved my packet. I didn't know this til later but I think my T must have relayed that my situation was indeed legite bc it went right through. So, if you can find out on line as I did who approves the packets, maybe your T or MD may know him/her. I do know that 6 mos after you begin receiving checks you will be enrolled in Medicare or Medicaid depending on your resourses. You will then (At least with Medicare) need to find a supplemental Insurance, I'm using Christian Fidelity. One thing I learned about supplemental Insurance is that you have to ask specific questions. Get. Specific. Answers.
EX: Medicare covers 80% Med & 60% Psych. You have to find a Sup Ins. Co. that will cover the other 40% for your Psych. so that you're covered 100%. Some Sup. Ins. cos though will tell you that they will pay 20% if Medicare covers 80%. However, Medicare won't pay 80% Psych, only 60% & so the Sup. Ins. pays ZERO & you are left paying for 40% of all your Psych bills. Just a little something I learned the other day. Good luck!
After the rain goes...Rainbows!
"All behavior is purposeful in the system - it makes sense from their perspectives." (T)
"If I match my ability to push forward to my perception of the level of difficulty at hand, the reality of puting my troubles behind me then becomes just one very tiny baby step."