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Is it too late to get disability insurance?

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  • Is it too late to get disability insurance?

    I was planning on taking the disability insurance the next school year (I am a teacher) so that when I got pregnant and had our baby I would be able to have a back up plan for days missed. Can I still get disability insurance if I have been told I probably have IC? The only test I have had has been urine tests and a CT scan.
    Diagnosed with IC - March 2007
    Diagnosed with vulvodynia - June 2007
    -Lots of prayer
    -Taking Elmiron and Hydroxzine (stoppped because of pregnancy)
    -Taking Prelief as needed (stopped because of pregnancy)
    -IC diet

  • #2
    are you currently on social security disability? or are you talking anout short term disability from work?
    'The will of God will never take you where the Grace of God will not protect you.'

    Comment


    • #3
      Most group plans cover pre-existing conditions.

      Donna
      Stay safe


      Elmiron Eye Disease Information Center - https://www.ic-network.com/elmiron-p...mation-center/
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      Click on ICN Shop at the top of this page. You'll find Bladder Builder and Bladder Rest, both of which we are finding have excellent results.

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      I am not a medical authority nor do I offer medical advice. In all cases, I strongly encourage you to discuss your medical treatment with your personal medical care provider. Only they can, and should, give medical recommendations to you.
      [3MG]

      Anyone who says something is foolproof hasn't met a determined fool

      Comment


      • #4
        I am a teacher, and the past two years I have been asked around enrollment time if I want to take disability insurance. The main reason I have considered it is for pregnancy issues. I am not pregnant now, but hope to be in the next year or so. I would like to now get long term disability insurance just in case. I do not believe that I am one of those ICer's that will be disabled from this disease, but am scared that I have waited to long and if they see that my doctor believes I have IC, they will reject me. I am able to work every day since I have started hurting from this in January and from what I have read mostly the disease does not progress, so I think I will be alright. If I am wrong, please correct me. Also, approximately how many people (I know this is a guess) do you think become disabled from this disease? Do they become disabled from the pain? frequency? other conditions?
        Diagnosed with IC - March 2007
        Diagnosed with vulvodynia - June 2007
        -Lots of prayer
        -Taking Elmiron and Hydroxzine (stoppped because of pregnancy)
        -Taking Prelief as needed (stopped because of pregnancy)
        -IC diet

        Comment


        • #5
          Hi Kristi, I would just ask your benefits person at work about this because they'll find out that you have the IC sooner or later anyway. I hope that the IC won't come into play but I really have no idea.

          As for being on disability permanantly because of IC, I KNOW that I read a figure somewhere that said what percetange of people are on disability and wouldn't you know I have no idea where I saw it or where to find it again. Maybe someone else can give you a figure. I do know that a lot of members here at the IC network are on disability, I know that many of them have other medical problems in addition to their IC though.
          Christine



          I have been diagnoised for 6 1/2 years now. I have taken a long break from the ICN but really miss helping out my fellow IC patients and want to get back into posting.
          1st hydro 4/07 showed no visible signs of IC but tons of mast cells in all my biopsy samples which did prove IC.
          2nd hydro 4/13/09 showed dark purple glomerulations and I had a capacity of 450 cc's. This hydro proved that my IC had progressed.
          I have tried every oral medication as well as rescue instills and DMSO.

          I have been lucky enough to see Dr Hanno, the top IC specialist in PA who has told me due to the fact that I have not responded to any "standard" treatments that I have a severe, end stage case of IC with a horrible quality of life (didn't have to tell me that last part!)

          Proud wifey of Shane, mommy to Griffin, and step-mom to Logan and Gage
          Also proud mom to the best Bullmastiff on earth, Claus

          Comment


          • #6
            oh diffently, you may have to wait until open enrollment. you may need a reason to add it on now mid year if that is the case.
            Here is a good example:
            I had to talk to our ins lady today. If Ash isn't in school full time her insurance drops on her 19 birthday. but if she goes to college in Jan they will add her back. the change in status, is she went back to school.
            We are trying to add Jake, and found out that the lady that took over for her during maternity leave denied allowing us to add him made a huge mistake, so now we are trying to get him on it now but need to have something that indicates there was a change in the status of why. We are working with the idea that since the plan changed from trying to reunite mother and child, to rights signed off and moving towards adoption.
            'The will of God will never take you where the Grace of God will not protect you.'

            Comment


            • #7
              I'm also a teacher. I am required to pay for a small disability plan through my school district, but I also contracted for supplemental disability insurance several years ago. They had a list of pre-existing conditions that would make a person ineligible. IC was not one of them. They did say however, that the IC would be a pre-existing condition unless I'd been medication & symptom free for over a year. They said they would cover new conditions but would not cover the IC until I'd worked for 2 years while on their policy without filing any claims relating to IC. Next Fall will make the 2 years & it will be a relief to know I'll have this extra protection..

              Definitely look into it. The peace of mind is worth the little extra money (and it is pre-tax, so it's not really as much as it seems).
              Good luck!
              Kadi

              -------------------------------------------------------------
              I am not a medical authority nor do I offer medical advice. In all cases, I strongly encourage you to discuss your medical treatment with your personal medical care provider. Only they can, and should, give medical recommendations to you.
              ------------------------------------------------------


              New favorite quote: "God gives us only what we can handle. Apparently God thinks I'm a bad-ass" ~Author Unknown
              Source - Pinterest
              "


              Current treatments:
              -IC diet
              -Elavil 50mg at night
              -Continuous use birth control pills (4-5 periods/year)
              -Heparin/Marcaine/Sodium Bicarb home instills at night 3-4x per week, more often if needed
              -Pyridium if needed,
              -Pain medicine at bedtime daily, as needed during the day several times per week
              -Antibiotic when doing an instillation to prevent UTI
              -Colace & SmartFiber to treat chronic constipation from meds, Fleet enema as needed
              -Dye Free Benadryl 50 mg at bedtime
              -"Your Pace Yoga: Relieving Pelvic Pain" dvd, walking, treadmill at gym
              -Managing stress= VERY important!
              -Fur therapy: Hugging the cat!

              Comment


              • #8
                I know that when I tried to get short term disability thru my insurance (I couldn't because they detected my heart problem which led them to my IC of course). I had to fill out paper work at the beinging of the enrollment period to see if I was illegible. (the only insurance that I have is my health insurance). So I don't know how things work with your insurance company, but it might be worth it to look into it. Good luck.

                Comment


                • #9
                  I am so relieved that I probably didn't miss out on my chance to enroll. I was concerned that I would not be able to enroll because they think I have IC. I don't mind waiting a year or two for any amount of coverage. I can handle a scenario like that. I would probably have to wait until my rep comes back next year to ask these questions, right?
                  Diagnosed with IC - March 2007
                  Diagnosed with vulvodynia - June 2007
                  -Lots of prayer
                  -Taking Elmiron and Hydroxzine (stoppped because of pregnancy)
                  -Taking Prelief as needed (stopped because of pregnancy)
                  -IC diet

                  Comment


                  • #10
                    Yes, and I asked the rep to send me a dated letter stating that IC was not exclusionary & what the conditions were for it to be covered. Hopefully if I ever do need to file a claim on that insurance, the letter will prevent any unpleasant "surprises".
                    Kadi

                    -------------------------------------------------------------
                    I am not a medical authority nor do I offer medical advice. In all cases, I strongly encourage you to discuss your medical treatment with your personal medical care provider. Only they can, and should, give medical recommendations to you.
                    ------------------------------------------------------


                    New favorite quote: "God gives us only what we can handle. Apparently God thinks I'm a bad-ass" ~Author Unknown
                    Source - Pinterest
                    "


                    Current treatments:
                    -IC diet
                    -Elavil 50mg at night
                    -Continuous use birth control pills (4-5 periods/year)
                    -Heparin/Marcaine/Sodium Bicarb home instills at night 3-4x per week, more often if needed
                    -Pyridium if needed,
                    -Pain medicine at bedtime daily, as needed during the day several times per week
                    -Antibiotic when doing an instillation to prevent UTI
                    -Colace & SmartFiber to treat chronic constipation from meds, Fleet enema as needed
                    -Dye Free Benadryl 50 mg at bedtime
                    -"Your Pace Yoga: Relieving Pelvic Pain" dvd, walking, treadmill at gym
                    -Managing stress= VERY important!
                    -Fur therapy: Hugging the cat!

                    Comment

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