I'm
very happy to see this new forum on the message boards. :) Over the several years that I have been a member of these boards, I've seen many battle their way through the process of filing for, being denied, appealing, and getting a hearing for Social Security Disability, as well as private insurance disability. It can be a terribly frustrating process, and it takes a great deal of tenacity to continue the process, so sharing these experiences with each other, as well as strategies and the basic processes that a claim takes can be immensely helpful to others just beginning this very long journey. I'll be happy to share my own personal story with anyone who may find it helpful, and I'd be happy to try to answer any questions that I can. I'm sure the many other members who are experienced with these processes will be along to share their knowledge as well.
I was terminated from my job of 8 years in local government employment after a very frustrating and stressful period of about 2 years of fighting it. Psoriasis was just one small part of a number of health issues that I have. During that period I was out on FMLA (Family Medical Leave Act) for about 3 months, and I also requested certain accommodations to my job under the ADA (Americans with Disabilities Act). My employer very carefully documented their supposed attempts at accommodation in a way that made it very difficult to appeal. When I was terminated, I filed an appeal with the Labor Board under the ADA. I went to mediation with my former employer, and after going through all the documentation was advised that my case was probably 50/50 at best, and would take 3 years to get to court, so my best option would be to accept a settlement and apply for LTD (Long Term Disability) through my employer's plan, which would pay approximately 80% of my ending salary. Under the advice of my attorney, I accepted this settlement, and both he and my former employer felt that I should have no problem qualifying for this. Unfortunately, I did, and after appealing and losing my claim, I was forced to apply for Social Security Disability (SSD).
My SSD claim was initially filed about 2 years ago, and since that time I have been denied, appealed, denied a second time, and have now retained a law firm to continue with me to requesting a hearing. As you can see, this is a long process, and it really helps to talk to others who have gone down the same path since this is a very common experience. I expect my hearing to finally be set some time in the next 6 months, and I'm cautiously optimistic that I will win.
I'm sure there are many others out there who have been through similar experiences, and I hope they will share their stories as well. It's my hope that those of us who have gone through the process can help others who may be just beginning it and have many questions. I'm not always on here as frequently as I used to be, but if you send me a PM, I'll be happy to try to answer any questions that I can.
Thank you very much to the Moderators who have decided this forum would be helpful. :)