ptsd Complex Question

[jbasser]

I h ave a rather unusual situation. I have a Long term Disability policy that has been paying my former salary before I retired.

Thery are starting to give me some grief about Social Security and have contacted ALLSUP INC to track My SSD claim. I passed the information to my attorney but have heard no r3esponse as of now.

Anyway, I am 70%SC 30 Migraine HA/ 30 Hypertensiver heart disease/ 20 DJD/DDD 20 / incomplete paralysis ( Radiculpathy) 10 HTN.

I have pending claims of Paralysis Phrenic nerve with Restrictive lung disease attributed to the DDD of the neck/ Obstructive Sleep Apnea / PTSD.

The Lung is rateable at 60 / OSA is 50 / Ptsd should be 50 if not 70.

That should make the combined rating over 100 percent schedular with a combo of SC and NSC items.

Anyhow, in reading the Policy for the LTD, It states a Total Disability from any government agancy will Kick in the long term clause of the policy.

Will the VA give ma a combo rating for the insurance purpose with all disabilities?

I said it was complex.

[Berta]

Veteran-

who is "they"

"Thery are starting to give me some grief about Social Security and have contacted ALLSUP INC to track My SSD claim. "

I would think that this is not "earned income"

"Anyhow, in reading the Policy for the LTD, It states a Total Disability from any government agancy will Kick in the long term clause of the policy"

That seems to me to indicate the policy is continued with any gov award of total disability----???

Not sure though-

I am concerned about your VA claim-

Have you formally applied for TDIU yet? Total Disability due to unemployability?

Do you get SSA for any or all of the claimed SC disabilities?

Particularly the ones that VA awarded already?

Is the LTD policy from the feds- like for any employment from VA, PO etc?

Is the LTD policy based on any on the job disability and is it for partial disability?

I am glad you have a lawyer-hope the lawyer calls you back soon-

TDIU- on the last decision for 70% rating what did the VA say as to TDIU?

Did they consider it as inferred issue and then denied it?

Or did they not consider TDIU issue at all?

If they denied what reason did they give?

[jbasser]

Veteran-

who is "they" (They being the Insurance Company)

"Thery are starting to give me some grief about Social Security and have contacted ALLSUP INC to track My SSD claim. "

I would think that this is not "earned income" ( It is disability insurance)

"Anyhow, in reading the Policy for the LTD, It states a Total Disability from any government agancy will Kick in the long term clause of the policy"

That seems to me to indicate the policy is continued with any gov award of total disability----???

( The policy says it offsets with SSD but not with VA Compensation)Not sure though-

I am concerned about your VA claim-

Have you formally applied for TDIU yet? Total Disability due to unemployability?

(Yes IU claim is pending ajudication process now)Do you get SSA for any or all of the claimed SC disabilities?

(Not yet for SSD. I am not overly concerned about SSD for it offsets LTD) Anyhow I am at the ALJ stage.

Particularly the ones that VA awarded already?

Is the LTD policy from the feds- like for any employment from VA, PO etc?

( Private Company)

Is the LTD policy based on any on the job disability and is it for partial disability?

( Combination of all disabilities)

I am glad you have a lawyer-hope the lawyer calls you back soon-

TDIU- on the last decision for 70% rating what did the VA say as to TDIU?

( We are still working on the claim for Iu)Did they consider it as inferred issue and then denied it?

Or did they not consider TDIU issue at all?

They just didnt look at it the first time around, Now they are.

If they denied what reason did they give?

I just want them to add the total disability up and make a determination before I go to see the Judge as to the extent of total Disabilities and SSD. If I fail to Get SSD then the Disability company will stop payment unless the VA steps in with their information.

[john999]

In many long term disability policies when SSDI or workers compensation kicks in the amount you get from the insurance is reduced. This is true of most group disability insurance policies. Anyone out there contemplating getting disability insurance you got to read the fine print. Of course, most of us disabled vets would not be able to get disability insurance.