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  • Can a 100 percent Disabled Veteran Work and Earn an Income?

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Dean

Insurance - Help Needed Quick

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I put this in Social Chat and when I tried to copy paste, Mozilla stopped me. I could go to I.E. and do this but I am already here.

I put the question in Social Chat so if you do not mind please go there for details.

My insurance is going to expire Sunday. I really need to find a supplemental insurance for my medicare. If you think that you can help me, please post in Social Chat. I am only 37.....1-22-1969.............

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Dean, go to this website, type in your zip code and it will give you a list of options. Pick one and call them tommorrow.

http://www.medicarenewswatch.com/?gclid=CO...CFR1EWAodFAP0Tw

I hope this helps.

I went to the site and it did not help much at all. They did not have listings for the Medical insurance. Only the prescription plans. I would have had to fill out a form and have them contact me. I have enough people calling me and sending me junk e-mail. I am wanting someone that has a good insurance company to let me know how they like what they have. A company can tell me that they will give me a mollion dollars for siging up. If anyone want's to help, Please read my other long post so you can understand what my problem is. I do not have time to think about this. I need examples from other people that have used certain agencies. I am not trying to be mean. I am just getting desperate.

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Check with Medicare they should be able to provide an approved list. You have to do something by tomorrow.

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Guest jangrin

You can also call an independent insurance broker (yellow pages) and they can sell you a secondary or supplimental policy to medicare and will usually answer your questions about the coverage over the phone. They will hope they can sell you more insurance like homeowners, car, life, earthquake, flood, just be nice and let them know you'll CONSIDER anything after you handle the current emergency.

jangrin

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    • Enough has been said on this topic. This forum is not the proper forum for an attorney and former client to hash out their problems. Please take this offline
    • Peggy toll free 1000 last week, told me that, my claim or case BVA Granted is at the RO waiting on someone to sign off ,She said your in step 5 going into step 6 . That's good, right.?
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    • I took a look at your documents and am trying to interpret what happened. A summary of what happened would have helped, but I hope I am interpreting your intentions correctly:


      2003 asthma denied because they said you didn't have 'chronic' asthma diagnosis


      2018 Asthma/COPD granted 30% effective Feb 2015 based on FEV-1 of 60% and inhalational anti-inflamatory medication.

      "...granted SC for your asthma with COPD w/dypsnea because your STRs show you were diagnosed with asthma during your military service in 1995.


      First, check the date of your 2018 award letter. If it is WITHIN one year, file a notice of disagreement about the effective date. 

      If it is AFTER one year, that means your claim has became final. If you would like to try to get an earlier effective date, then CUE or new and material evidence are possible avenues. 

       

      I assume your 2003 denial was due to not finding "chronic" or continued symptoms noted per 38 CFR 3.303(b). In 2013, the Federal Circuit court (Walker v. Shinseki) changed they way they use the term "chronic" and requires the VA to use 3.303(a) for anything not listed under 3.307 and 3.309. You probably had a nexus and benefit of the doubt on your side when you won SC.

      It might be possible for you to CUE the effective date back to 2003 or earlier. You'll need to familiarize yourself with the restrictions of CUE. It has to be based on the evidence in the record and laws in effect at the time the decision was made. Avoid trying to argue on how they weighed a decision, but instead focus on the evidence/laws to prove they were not followed or the evidence was never considered. It's an uphill fight. I would start by recommending you look carefully at your service treatment records and locate every instance where you reported breathing issues, asthma diagnosis, or respiratory treatment (albuterol, steroids, etc...). CUE is not easy and it helps to do your homework before you file.

      Another option would be to file for an increased rating, but to do that you would need to meet the criteria for 60%. If you don't meet criteria for a 60% rating, just ensure you still meet the criteria for 30% (using daily inhaled steroid inhalers is adequate) because they are likely to deny your request for increase. You could attempt to request an earlier effective date that way.

       

      Does this help?
    • Thanks for that. So do you have a specific answer or experience with it bouncing between the two?
    • Tinnitus comes in two forms: subjective and objective. In subjective tinnitus, only the sufferer will hear the ringing in their own ears. In objective tinnitus, the sound can be heard by a doctor who is examining the ear canals. Objective tinnitus is extremely rare, while subjective tinnitus is by far the most common form of the disorder.

      The sounds of tinnitus may vary with the person experiencing it. Some will hear a ringing, while others will hear a buzzing. At times people may hear a chirping or whistling sound. These sounds may be constant or intermittent. They may also vary in volume and are generally more obtrusive when the sufferer is in a quiet environment. Many tinnitus sufferers find their symptoms are at their worst when they’re trying to fall asleep.

      ...................Buck
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