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loko

Dissability Insurance?

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Has anyone used their private dissability insurance because it was affecting their work???????.

I am a self employed building contractor.......but also work on site. Most places there is no facility. Also seems worse

when I have a meeting with the clients..I was just wondering if I could get some coverage until I am healed???. I have been gluten free for app 4 months...........and seem to be getting slowly better....but

still unpredictable once in a while.........casey H

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When I first got really ill, I did file for short term disability. I did receive checks for about 6 months, however when I finally got a diagnosis they denied any further benifits (even though I was still not well). If you are unable to work you should file a claim. Good Luck!


Melissa

gluten free since 10/04

Tampa Bay, FL

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This may be easier if you have more than one issue going on. Many times a claim for just celiac will be denied, (these folks are clueless) but with your job if the doctor can say something like that you also have an anxiety disorder or something in addition to the celiac you might have more success. Many of us have multiple systems effected, when we cover everything under the celiac diagnosis and don't mention the mental difficulties, or the arthritis or balance or other issues it can make it harder. You may also want to consult with a disability lawyer as many are turned down on the first try. I wish you a lot of luck and even more so a speedy recovery.


Courage does not always roar, sometimes courage is the quiet voice at the end of the day saying

"I will try again tommorrow" (Mary Anne Radmacher)

Diagnosed by Allergist with elimination diet and diagnosis confirmed by GI in 2002

Misdiagnoses for 15 years were IBS-D, ataxia, migraines, anxiety, depression, fibromyalgia, parathesias, arthritis, livedo reticularis, hairloss, premature menopause, osteoporosis, kidney damage, diverticulosis, prediabetes and ulcers, dermatitis herpeformis

All bold resoved or went into remission in time with proper diagnosis of Celiac November 2002

 Gene Test Aug 2007

HLA-DQB1 Molecular analysis, Allele 1 0303

HLA-DQB1 Molecular analysis, Allele 2 0303

Serologic equivalent: HLA-DQ 3,3 (Subtype 9,9)

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read your policy for the definition of long-term and short-term disability as sometimes the polcy wording makes it that if you are disabled for just the work that you do and any other work then you can go on disability; however if you have wording that states if you can do any other job while ill then your claim might be denied. The fine print wording can sometimes determine whether or not the insurance company will pay.


Husband has Celiac Disease and

Husband misdiagnosed for 27 yrs -

The misdiagnosis was: IBS or colitis

Mis-diagnosed from 1977 to 2003 by various gastros including one of the largest,

most prestigious medical groups in northern NJ which constantly advertises themselves as

being the "best." This GI told him it was "all in his head."

Serious Depressive state ensued

Finally Diagnosed with celiac disease in 2003

Other food sensitivities: almost all fruits, vegetables, spices, eggs, nuts, yeast, fried foods, roughage, soy.

Needs to gain back at least 25 lbs. of the 40 lbs pounds he lost - lost a great amout of body fat and muscle

Developed neuropathy in 2005

Now has lymphadema 2006It is my opinion that his subsequent disorders could have been avoided had he been diagnosed sooner by any of the dozen or so doctors he saw between 1977 to 2003

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read your policy for the definition of long-term and short-term disability as sometimes the polcy wording makes it that if you are disabled for just the work that you do and any other work then you can go on disability; however if you have wording that states if you can do any other job while ill then your claim might be denied. The fine print wording can sometimes determine whether or not the insurance company will pay.

Thank you all for your info., very much appreciated............loko

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I'm not sure if you could get disability for Celiac here in Canada or not, however, I know that my daughter got a disability grant from the federal government to go to University as she is too small and frail to keep up with the physical work she was doing. It was specified that she had to use it for "equipment" that will help her in the future. She got a new laptop computer as she is taking Journalism. She will get the same grant once a year until she has finished her studies.


Shirley

[save the Earth, It's the only planet with chocolate and wine.

It isn't about waiting for the storm to pass...

It's about learning to dance in the rain.

Gluten free since 1989

West Kootenay.... British Columbia

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