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BELGIUMTULIPS's Photo BELGIUMTULIPS Posts: 117
5/28/10 4:43 P

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I am on SSD since my accident and need further back surgery and have to wait till May of 2011 for Medicare. I hear that a bill has been passed for High Risk who do not have insurance will be funded by the government. If this is so then I will be able to get insurance and the MRI followed by back surgery. Since the accident my back continues to get worse. Now I cannot even stand to make a sandwich without severe lumbar spasms and the fibro has gotten 10 times worse. My attorney now says that even though I have to go to New Orleans for mediation June 25th chances are good that we have to go to trail October 11th. Jeannette



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CAMPER96's Photo CAMPER96 Posts: 3,300
5/28/10 12:38 A

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Sorry and hope you keep your house. I am foothill SS for an injury and fibro and depression all at the same time. Believe it or not the SS used the reports the Company paid to write instead of my doctor's. I'm so mad at them I will never settle with them either. The way I look at it they brought it on themselves. They use an independent company that advertises for the employer. They are old non working old men being paid well just to write a report.

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NENEOF08's Photo NENEOF08 Posts: 920
5/27/10 3:28 A

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I just wanted to comment on Debiann's post. I have been on ss disability almost 3 years now. I got it for my back at the time we never even brought the fibro or depression into it. I've had 2 back surgeries and suffer from severe pain a lot of the time. I had a lawyer for mu ss and we took it to court before I finally won! It is a battle every day I know.
Since my back has gotten sooo bad and I get these "flair ups" there are many days I'm afraid to leave my house. I may feel good to go but when I get there all heck may break out and it is awful getting back home. I also see a therapist and physicitrist. They have diagnoised me with severe depression and gorafobic,(a fear to leave your house). I am up for reveiw this summer I think and am very nervous about having to fight with all this again.
So I really know where your coming from. I also have other ailments but thats another story! lol
I hope by this time you've gotten some news on your SSI. The wait seemed like years after the hearing, to get my results.The day they came and it said approved I actually cried!!! I finally had someone other than my fam who believed me.
Good luck to you and I'd love to hear from you.
Gentle Hugs, Kat

Great works are performed not by strength but by perseverance - Author Unknown

'Life isn't about waiting for the storm to pass, it's about learning to dance in the rain.'
Author Unknown



I'm to young to have a body this old!!! :0)


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BELGIUMTULIPS's Photo BELGIUMTULIPS Posts: 117
4/21/10 12:01 P

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I was with Fibromyalgia in diagnosed he 1990's, but actually I thought it was one of those "catch all" type of diagnosis. Of course being a nurse for 30 years I am the worst type of patient. Then bought books on the subject and realized the symptoms matched, but it did not seem to effect me much. But after the accident the pain really hit home. I notice that the crisis states got worse with any type of stress and lasted longer. After the accident I received SSD, but have one more year until I get Medicare. Seems to be rather ridiculous to wait two years for Medicare if you are listed as disabled. The insurance from the hospital was self insured and therefore the COBRA is only for their hospital. I moved to Tenn from New Orleans because it was less expensive and still have no insurance because of pre-existing. Because of the accident I have to wait a year. And my long term disability denied my claim despite the information from my physician. Jeannette



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CAMPER96's Photo CAMPER96 Posts: 3,300
3/16/10 9:23 A

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That's wonderful. Do you have fibro, and if you do which ones help you? emoticon

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LADY-JAENH's Photo LADY-JAENH Posts: 140
3/16/10 1:04 A

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yes I have used knowledge from my schooling to make them. I use them myself.

Lady Jae
Family first and forever!
www.renaissanceofnaturalhealth.com
www.essencethrutheages.com


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CAMPER96's Photo CAMPER96 Posts: 3,300
3/15/10 11:48 P

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Are these creams ones you create and make up yourself?

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LADY-JAENH's Photo LADY-JAENH Posts: 140
3/15/10 9:15 P

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I m not trying to promote for business but I am in school to be a Naturopath, I also have my own line of products I make and sell. Several creams and rubs for pain, I use myself. Everyone is different and what works for one may not work for another. I would love to send a free sample if anyone is interested. Then you can try and see if any work. I have a few rubs so we would need to chat and see what you want to try, what may work best. I would send a sample no fee, if it helps you could buy if you want. I would also send you a coupon so if you chose to buy it would cost less. If interested let me know. You can also look at my site for info. Its being redone so some info not available. I will do this for anyone here. I would also be willing to set up a long term discount for those here to buy for less if it helps, just because your all suffering as I am and if I can help I will. I dont have money to give away free but can make cheaper. Let me know if anyone interested. You can also email me

www.essencethrutheages.com and
www.renaissanceofnaturalhealing.com my email is ladyjae@essencethrutheages.com

Edited by: LADY-JAENH at: 3/15/2010 (21:17)
Lady Jae
Family first and forever!
www.renaissanceofnaturalhealth.com
www.essencethrutheages.com


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33BELLAGIRL Posts: 3
2/24/10 11:54 P

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CATMOMOF2,
I received SSDI the first time I applied for it 5 years ago. I have a huge medical file so I'm sure that helped. I also have had migraines for 35 years and chronic pain all over. Believe me I understand your pain. Most days the meds don't work and I have to stay home then I get depressed and can't get anything done which makes me more frustrated. My condition has been very hard on my marriage. When my body lets me I walk and that helps some. I've been on so many meds for 35 years I worry about my liver. I'm telling you all this because you probably have the same symptoms and can talk to your doctor about them and have them all documented in your chart. Also seeing a psychologist might help it helped me and SS used that info also. Just be honest and tell it like it is and when you apply for SSDI you will probably get it. If you don't keep trying. My neighbor is on SSDI also but it took her 3 years she had to get a lawyer but she finally got it. I really hope this helps you and I hope you feel better soon. Keep the faith that there will be something to help us soon. Since were women and mothers we work so hard and give, give, give and keep giving before we take care of ourselves.. We have to learn to say no once in awhile. It took me many years to figure that out. Now that I can't do as much I have to say no. Please remember to try to make time for you. Your kids need you to be healthy to take care of them. I wish you the best of luck on your journey to SSDI. I know you will get just keep trying. Good luck 33bellagirl

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2/24/10 3:08 P

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I still haven't found a cream that is really effective on those certain days we all suffer. Heating pads, pain medication, muscle creams just don't seem to be enough sometimes. I am having one of those days today.I just have to believe tomorrow will be better.I have to have hope !

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CATMOMOF2 Posts: 10
2/24/10 9:39 A

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Yes, I would love to know of a cream for nerve pain. Exercising helps with the pain, and weekly massages.

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CATMOMOF2 Posts: 10
2/24/10 9:38 A

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Hi, I am going through a tough time with my fibro. The meds are worse then the condition. How did you get SS the first time?

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JENQUEENOFCHAOS's Photo JENQUEENOFCHAOS SparkPoints: (8,238)
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2/23/10 8:54 P

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I got approved the first time I applied - within a very short period of time. But I focused on the cognative problems and the depression I was feeling because of everything I was going through (getting no more than 2 hours of sleep per night can do that!)
They sent me for a psych. eval and called the next day to cancel my physical.
I never even mentioned fibromyalgia to them when I applied. I think it is still hard to get approved for fibro since there is no hard and fast test that they can look at and see a positive diagnosis - and we have nonmedical people trying to make determinations just like with insurance companies.
Now when I recertify every 3 years I mention that I see my doctor for it, but I make certain that I list depression and my antidepressants before the fibro and pain meds as the reasons I last saw my doctors.

Inch by inch life's a cinch,
Yard by yard life is hard!



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33BELLAGIRL Posts: 3
2/21/10 10:34 P

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I also gained weight on Lyrica I'm glad you stated that so I know it wasn't all in my head. I stopped it anyway as to losing health insurance. Can you tell me the name of the cream you use for your nerve pain. I would love to check it out? Thank you

33BELLAGIRL Posts: 3
2/21/10 10:29 P

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Berteew & Penny Jo, I thought your info on SS was great. It is true make sure you get your disability documented and be as honest as you can when filling out the SS paperwork. Good things come to those that are honest. I have had terrible migraines for 35 years and discovered that I have fibromyalgia about 5 years ago. I find that I stiffen up if I sit to long and getting up and moving around really helps. I have bilateral knee problems as well. I had surgery about a year ago and now I can walk my dog everyday. I still need another surgery but I can tell you the walking has made a big impact on my Fibromyalgia. If you start by walking for 10 minutes a day and then keep increasing time you will find it helpful. Walking also helped me lose #35. (Take Baby steps)I wish you all well I know how hard it is to live with Fibro and how depressing it makes you. Hang in there I believe there will be a cure someday. There has to be light at the end of the tunnel.

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2/12/10 9:45 A

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Hello All, I haven't been on for quite awhile but I am now back on the road to having good health again. Or as good as I can get with Fibro, Arthritis,Spondylothithesis,floating Sacral bone, to name a few. These all interact at their will and I have adapted moderation of everything helps them all. Red meat causes flareups, heat and any movement keeps the muscles awake cause I found that the longer I sit the more I hurt so I get up and walk to another room just to move. I have fought with depression for the past few years and just kept turning back to GOD for help. He listens much better than any human does and He has the power to help when no one can. Sometimes just pouring my heart out to Him, having a good cry and forgiving whomever for whatever takes away some of the pain and emotional Healing takes place and reduces the stress level in our bodies.

To answer PennyJo's question about applying for disability - Yes, Penny, you can apply for SS Disability for any physical or emotional problems that cause you to be unable to work as you did before. It is easier for them to determine your eligibility if you have medical documentation from physicians documenting your loss of abilities to function in daily situations. The sooner you apply after seeing a doctor the sooner you will get a reply and an adjustment to your current SS benefits.

SS people are just like you and I and have had illness touch them one way or another in their lives. They have guidelines to follow in their jobs the same as everyone else. Give them respect and honesty and you will find them very down to earth and very helpful. Ask them any questions you might have, I am sure they will get you the answer if they don't already know it. Good luck with the tedious paperwork, take your time and fill it out (you can even fill it out on-line)and GOD BLESS All.

BerteeW


 
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SUGARFT57's Photo SUGARFT57 Posts: 4
2/10/10 7:55 P

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I am new to the Spark Team. I have fibromyalgia and secondary lymphedema from breast cancer. I am in pain a lot, with headaches, and taking lyrica. It doesn't seem to be helping. And my doctors have not really explain this condition to me. But as I read most of the comments, I have the same or similar symptoms. It's hard to think about diet...weight loss..exercise..when you're hurting. It's difficult for me or my family to understand. I want to understand so that I can do some things better. I am also at the appeal hearing point with Social Security. I hated to leave my job after 25 years, but the fatique and pain was a bit too much and affected my mental state. Now, I have to try to cope with my disability and fight to get my benefits. Besides working sick, fighting for benefits you invested in for years. emoticon

Edited by: SUGARFT57 at: 2/10/2010 (19:58)
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ROTTLADY's Photo ROTTLADY SparkPoints: (43,095)
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2/10/10 4:49 P

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for fatique I have had success with NUVIGIL. I take one tablet a day when I have a lot to do or I need to travel or visit friends out of town. I know of two doses 150 mg and 250. I have had no fibro attacks,fibro fog or total shut downs due to pain. I always plan a "me" rest day after a long day.Maybe this will help your daughter. I am also on lyrica and working to take the weight I gained off..I take other medications for pain and other health issues.I hope this helps.

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FAITHJB's Photo FAITHJB Posts: 1
2/10/10 12:28 P

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my daughter has fibromyalgia as well as myself. she ask what kind of cream over the counter to buy to help the neuropathy, also suggestions for help with fatigue.

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2/8/10 10:58 P

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because of weight gain being on Lyrica I am now on a different nerve pill, and doing a lot better.
Of course I still have some pain and all that goes with
having fibermyalgia but I try to keep on moving.
I have neuropathy too, found a cream over the counter that
helps this a lot.



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DEBIANNHYMAN73 Posts: 17
2/6/10 6:56 P

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I'm new to this website. I am on my 2nd go around with Disability. I had a fall down a flight of stairs in 2001 and ever since then it has been just one thing after another! That's really when my "all over joint & muscle pain" began but I wasn't diagnosed with Fibromyalgia until last year. I have an appt. on the 17th to see one of Disabilities doctors. I had 2 back surgeries after my fall and 1 lt knee surgery. I need another knee surgery but keep putting it off. I've been dx and take medicine daily for RA (which my mom had and g-ma has), Fibromyalgia, Osteoarthritis in both knees, hips and back, Reflux, IBS, Severe Fatigue, Depression and Restless Leg Syndrome/Neuropathy. I've lost 6 jobs since 2001 because I've missed so much work. I'd finally get better after being home a while and try to go back to work at a new job...and I loved working! But within months after missing a lot I'd just get back down to the place that I'd be off for weeks and I'd lose another job. It is so stressful. Because I have so many issues I don't know if its the fibromyalgia giving me the problems or the back etc. Every time I get down in my back and go to my back doctor he says my back as far as the surgeries is fine...that its the fibromyalgia.
With my fibromyalgia I have fibro-fog, weakness, all over joint and muscle pain, muscle knots and severe fatigue. I think the worst thing for me besides the pain is the fact that I cannot do anything with my daughters (12 & 14) and God-son (3 1/2)much less work a job. Thankfully I have a very support husband and children. They do most of the cooking and cleaning. I try to grocery shop but someone has to go with me...because I may feel "OK" going in but by the time we leave..I can barely walk or lift a bag of groceries. Because of my back issues too..I cannot sit in a chair very long or my back starts spasming and lifting heavy items is out of the question too. Most days I sit in my recliner for the majority of the day. Because of my knee issues..even walking very far is a feat! I really miss being able to doing all of the things I used to do: biking, walking, skating, tennis, bowling especially with my kids. It is very depressing...having to get on disability at 36. Definitely not what I signed up for....and if I thought I could go back to work and last I would in a heartbeat!!!
Love reading all of your post.


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CAMPER96's Photo CAMPER96 Posts: 3,300
2/6/10 2:20 A

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I received a call about my company hired a voc person to help me. They claim they will try to help you get things done faster, I had one already and I don't believe it one bit. First if the company hired them they are not going to help me. I've been messing with mine for 4 1/2 years now almost 5. I don't know where time goes. They want to go into your appointments with me. I deserve a little privacy in my opinion. That's my problem every insurance said I have to many issues with me and I can't get insurance. Is only for the ones that don't need it. I think the charge should be the same across the board. That way the well help pay for the sick. But its all about the money they want money for nothing. When I'm hurting and can't sleep I get windy 2:18 a.m. It's great you got a settlement hope it was a good one. emoticon

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ROTTLADY's Photo ROTTLADY SparkPoints: (43,095)
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2/4/10 3:29 P

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The first time I applied for SSDI I was turned down.I think that is standard procedure. I re- applied and a year later and was awarded back settlement to the middle point between the two dates. When you are listed with SSDI your health care rates go up and you don't qualify for most senior advantage programs. You are a high risk for expensive equipment and medical procedures. My husband is 68 and pays less on everything then I do and I'm 56. My power chairs run over $6,000.00 and they are replaced evey 5 to 6 years.Plus the cost of maintianig batteries and other parts.Our SS and health caree system need a lot of help.We who are stuck in it are suffering and having to do without necesary medication and necessary daily health care.I hope your attorney does right by you.They don't all.My friend has been fighting a workmane's comp claim for over ten years,His attorney was one on the counties top five and has been a failure in really helping out my friend.

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CAMPER96's Photo CAMPER96 Posts: 3,300
2/1/10 10:19 P

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My attorney sent me a whole pack of papers on SS. It it I found A real crazy article. It was titled Rules for Determining Disability:
If you are under 50 the general rule is the you've got to prove that you can't do a desk job. You've got to prove this even though you probably would never be hired for a desk job.
If you are 50 thru 54 the general rule is that you have to prove that you cannot do light work, that is work involving being on your feet most of the day and lifting up to about 20 lbs. Thus, even thought you might still be able to do a sit-down job, a desk job, you can still be found disabled.
If you are age 55 or older it gets even easier. The general rule is that you have to prove that you cannot do medium, work that is, work involving being on your feet for most of the day, frequently lifting 25lbs. and occasionally up to 50lbs. Thus , you can even be capable if doing light work and still be found disabled.

How crazy is this. I am almost 50 and just went thru a hearing. They said could be another 3 months for the findings. My attorney said the may request a Phyc. Dr. of theirs to see me first, because I have some depression issues.

Hope this info. helps or encourages some to try.

I would use an attorney rigt from the beginng they know all the paperwork to get together. The process is bad enough, I would hate to sit at a hearing by myself. It's not real fun.

Edited by: CAMPER96 at: 2/1/2010 (22:23)
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ROTTLADY's Photo ROTTLADY SparkPoints: (43,095)
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1/11/10 1:07 P

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I gained 50 pounds in the first 3 months on Lyrica.It helped with my muscles but I still need to take prescription pain killers.Try not to over do because pain meds can become addictive and wont work after awhile.You just need to keep trying different things to see what works for you. Never give up.It took me 10 years to find anything effective that helped.What works one year may not the next.Fibro symptoms never go away and can worsen for some people over time. emoticon

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ROTTLADY's Photo ROTTLADY SparkPoints: (43,095)
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1/11/10 1:01 P

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File for SSDI. What we suffer is real and those of us with severe cases can't not work.It isn't a matter of can we or we don't want to. Our families need what ever we have so we can take care of them and your spouse needs your loving care.Sometimes SSDI doen't amoount to much.You need to apply for your health.Our illness is real and not made up! When I was first diagnosed they thought I was just being lazy and it was hard to get the doctors to understand and support me.My new neurologist was sent by god. She has improved my quality of life more then I could ever than her for.

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AWSCEARCE1's Photo AWSCEARCE1 Posts: 9
1/10/10 11:16 P

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Hi! I'm new to sparkpeople.com and have been browsing aroung looking for some discussion boards to help me. To introduce myself, I am a 35 year old mother of 6 and I've had fibromyalgia for 11 years. My symptoms include poor sleep, widespread body pain, headaches, dizziness, "fibro fog", muscle aches, knots in my muscles, etc.. To top it off, my husband has had leukemia for 3 years. He is in remission but deals with "graft vs. host disease". This causes tremendous health problems for him. So stress is a big factor in my life. I am on medication for panic attacks and generalized anxiety. They have not helped with my weight. I have a real problem working. I have worked since I was 16 without fail until age 33 when my husband was too sick to care for himself. Now my condition seems to be much worse. I think I was forcing myself through the pain because I knew I had to work. But having been unemployed for so long, I've realized how difficult it is to do simple tasks. I feel like I should apply for disability but I don't want to seem like a freeloader. I'm glad to have found this group. I appreciate any feedback. Love to all you fibro friends.

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KLGCUTE's Photo KLGCUTE SparkPoints: (3,193)
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1/9/10 1:16 A

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PennyJo1947, you're the same age as me. :-)

My husband is 64 and took early retirement at 62 at a time when he was already off work on short-term disability following surgery to completely reconstruct both of his thumb joints.

After his short-term disability ran out, he was able to get on long-term disability through an optional policy he had had at work for years.

Just recently, after the long-term disability insurance carrier sent him for functional capacity evaluation and other occupational testing, they determined that he will continue to be eligible for their long-term disability payments through 2012.

However, they are also requiring him to apply for Social Security disability (so they can adjust their own payments downward we think). Today he got a letter which (if I understood it correctly) stated that if he is approved for Social Security disability, an adjustment would be made so that he would receive the higher amount... that is, he wouldn't get two monthly payments (Social Security AND Social Security disability), but that his one payment per month would be whichever would be higher - in his case, his Social Security disability payment would be higher than his regular Social Security payment, so that's the one he would receive.

I think the best thing you can do is to call the Social Security office and explain your situation and have them explain your options.

My older sister had a complicated situation because when she was 29, her husband was killed at work, and they went over all of her options and helped her figure out which scenario would provide her with the most retirement income. *She's drawing on her deceased husband's account until she turns 67 and then will switch to her own - that is how the Social Security people figure out what would provide her with the highest monthly payments.

And I have a cousin who called and explained her own peculiar situation, and they explained everything to her - she is now working for a few months so she will have the correct number of "quarters" of work to qualify for a higher monthly payment from Social Security.

Somehow, I would never have thought the Social Security office would be so helpful in trying to maximize people's retirement income, but that is exactly what they did in these two cases (my sister and my cousin) and they don't live in the same state so I'm sure didn't talk to the same Social Security people.

Kathy
Today is God's gift to you... make it blossom into a thing of beauty.


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PENNYJO1947 Posts: 11
1/8/10 8:16 P

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I took early retirement because I hurt so bad I couldn't work full time anymore, but I am my only support and couldn't afford to be off for months waiting to be approved for disability. Now I still have to work 2 days a week (and am driving 100 miles round trip a day to my job) because I can't live on what I draw for SS.
I am beginning to have symptoms of more serious health issues and my doctor is trying to arrange for a chemical stress to be done on a payment plan because I don't have insurance and won't for 3 more years until I'm 65. My question is this: Does anyone know if you have taken early retirement and become so disabled with heart problems that you can't even work part time, can you still file for disability?


Wanted to add for the gals that were talking about Lyrica. I took it for a few months and it didn't help with the pain at all. Got better relief from Ibuprofen than anything, that and moist heat. Lyrica does make you gain weight. A LOT OF IT!!

Edited by: PENNYJO1947 at: 1/8/2010 (20:21)
MLDONNELLAN Posts: 67
1/8/10 10:32 A

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Sounds like the stress of NOT getting disability is impacting you too! I am now 64. I applied for disability when I was 59 and got it the first try with no attorney. It was obvious to everyone who interviewed me that I could not possibly do the job I had before. And, I think because of my age (three years short of early retirement) they gave it to me. The horror stories you hear are not always true. And, if you don't get it the first time, get an attorney who specializes in S.S. and let him/her handle the stress for you! I urge you to do this and wish you the best. Welcome to the blog. You'll learn a lot and be able to share your story and frustration with others who totally understand! Blessings on you.

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1/7/10 8:34 P

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Hello... I'm new here and am finding this information very interesting.

I was diagnosed with FM in the mid 1980s by a rheumatologist after spending years going from doctor to doctor having different medical conditions ruled out.

I struggled to continue working, sometimes even having to go into the restroom and lay down on the nasty floor for a few minutes just to get through my shift. In Dec. 2008 I just couldn't go on and quit my job.

I've heard that it takes at least 2 years to get on SS disability around here (Indiana) and I know someone it took 4 years.

I just can't see myself surviving the stress involved in all of that, so have decided not to try to get the SS disability even though I think I should have been getting it for years and family members, including my husband, keep telling me even now I should go ahead and apply for it.

Stress is one of my fibromyalgia's worst enemies, and again I can't see how I could survive such a stressful ordeal of going through the process.

I just turned 62 and will start getting my reduced benefits regular Social Security soon, but for me the SS disability would be $500 more a month than what my regular Social Security will be.

I'm very resentful about this situation, because $500 a month more would mean the difference between just scraping by and living semi-comfortably, but I honestly don't see how I could survive with all of that stress.

Kathy
Today is God's gift to you... make it blossom into a thing of beauty.


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GOODWITCHD's Photo GOODWITCHD Posts: 1,400
9/21/09 6:56 P

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I marked my calendar to do a meditation for you that day!
Also remember . . . . Tell them how you really feel & the things you are not able to do. Make a list, things like the need to rest every hour, how often you need to stretch, how limited your ability is to sit or stand. All of these things make it difficult if not impossible for one to hold a job. Don't forget to mention how 'Fibro Fog' affects your daily life too.
Oh yeah . . . Deep____Slow _____Breaths!
emoticon emoticon emoticon
glenda

Edited by: GOODWITCHD at: 9/21/2009 (18:59)
Dreams have NO limits. If you can dream it, you CAN do it!



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TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
9/20/09 5:25 P

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My review was moved to October 28th and I have my doubts. The reason is, well I wrote it all out in my new post...I can't tell you what each and every one of you means to me!

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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MLDONNELLAN Posts: 67
9/20/09 12:07 P

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Hi, Team! I'm new to this, but wanted to add my two cents. I was an executive in spite of dealing with fibro since 1980...and until the fogs got so bad I couldn't function at work. Received disability four years ago. I think it was easier for me because I was only a few years away from retirement anyway. Don't give up. Not having to deal with the stress of a daily job has helped a lot. Have a great day!

TIGGY6209's Photo TIGGY6209 Posts: 523
8/28/09 5:42 P

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Good Luck at your hearing. Is your attorney going with you. Let us know how it goes.


TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
8/25/09 1:21 P

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I have my review in front of a judge on Sept 9th. I did not take the internship. There are too many days I can hardly move. Depression is real hard to fight right now. I just want to sleep. The pain wipes me out so bad.

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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DELKED's Photo DELKED Posts: 18
8/24/09 12:33 A

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Hi,

I have been reading the posts here, and trying to catch up with everything, too much to take in all at once, so I am just going to put in a couple of words. Don't give up fighting, don't, no matter what. I am from Canada, so the rules here are a bit different, I fought one of the toughist Disability Insurance Companies and won. It took alot of energy, time and faith, but I won. I am now getting a monthly pension but I had a great lawyer who did the work, put in the hours and she was great. Trial
was the hardest thing I have ever had to go through. Just make sure that no matter what, no matter how much pain you are in, no matter how tired you are go after your disability. Good luck. I know what it is to lose your home, we did and ended up bankrupt. Winning after fighting for 5 years may not make up for all the losses, but it does help.

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GOODWITCHD's Photo GOODWITCHD Posts: 1,400
8/23/09 5:56 P

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Hi there!
Yes, I know how quickly we can lose everything.
10 years ago I had a new car, a job I loved, money in the bank & a healthy 401K.
Now I don't even have a bank account, but I have been approved for SSDI & there is hope of crawling out of this hole. I too love the wealth & info of this team as well as the wonderful help & support from everyone.
Have I told you lately how much I love all you guys?
emoticon emoticon emoticon emoticon emoticon emoticon emoticon emoticon
PS ~ I started using the linked arm icon behind my name because I really feel we are all in this together & together we'll all make it through!

Edited by: GOODWITCHD at: 8/23/2009 (17:57)
Dreams have NO limits. If you can dream it, you CAN do it!



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TIGGY6209's Photo TIGGY6209 Posts: 523
8/23/09 5:27 P

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Hi,

I have been withdrawing from my IRA too to help cover medical expenses. I know you have to pay taxes on the amount you withdrawal but if you can itemize it should help offset the taxes. You shouldn't have a penalty unless you take out more than the amount of your medical expenses each year.

I was a tax accountant (guess I could still do it) and have been trying to find a way to get deductions. If your doctor recommends alternative therapies like massage, accupunture and the doctor writes a note stating that, you should be able to deduct these expenses too.

Not sure if you already know this so I'll stop here, but if you have questions, let me know and I can try to help.

Karen

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8/23/09 10:00 A

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It as been encouraging to hear and to know that I am not the only one on earth suffering, or should I say going through this very uncomfortable condition. It might have me but, I don't have it. I am 57 years old and I had a wonderful life but, I had to give up everything that I worked so hard for. I was set-up on my job and was terminated, they did not offer me Cobra. I've had three strokes, developed Asthma, Depression, Fibromyaglia, Multiple Myeloma, Hypertension, Chronic Fatigue, and over 70,000.00 worth of medical bills. So many days I was feeling empty and stuck. If I did not have the Faith as a size of a mustard seed, I would have let go. Why wait until you're 57 and start life all over again. I asked myself this question daily, and I would tell myself that if I had my health back, I could have my wealth and start all over again. I had to turn to the Word and my Faith was increased and I have HOPE and I believe that HE is taking good care of me. I walk a hour a day regardless how bad I ache and I started taking twice daily a multivitamin, caltrate(helps w/bone achiness/eliminates fat absorption) 250mg-Magnesium (blocks sodium (helps with high blood pressure, lowers cholesterol, lowers sugar,unlocks bowels), Omega-3 and I try to drink 64oz of H2O, eat more fruit and vegetables. My spirit feels great while my body is healing.

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/29/09 8:10 P

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Thank you, you have helped a lot. I am scared because I have a 401k I can dip into but due to taxes it will almost wipe it out and My daughter will lose her DSHS insurance, not to mention food stamps just for what a couple months of rent? I have the opportunity to take an internship in the fall through school. If I do I probably won't be able to do it long and SS might say "look she is working" If I don't take it I have no income as of September...what do I do?

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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GOODWITCHD's Photo GOODWITCHD Posts: 1,400
7/29/09 3:04 P

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Hi Y'all!
Just got off the phone with social security, it looks like they are finally going to approve my case!
emoticon emoticon emoticon
As MARMCORE noted I have all sorts of other "issues" depression, ADD, IBS and lately renal insufficiency. So what tipped the balance? I have no idea.
I do have some words of wisdom that I have learned along the way. I was decreed to be disabled from 4/2004 but didn't apply for SSD until 2007. Because of that date of application that is as far back as they will pay me.
So-oo the big word of advice is if you can't work & haven't been ABLE to work for any length of time, APPLY NOW!
It is only going to get worse, sad but true, and your finances will be getting steadily worse too. At this moment I have 67 cents to my name and lots of bills! You can guarantee that you will probably deplete whatever funds you may have saved before you're approved if you're like most of us.
I was so stubborn, I didn't want to admit that I couldn't work, even when I lost a couple of jobs due to fibro fog & exhaustion. Each job only lasted a week or so, I just couldn't handle it. Still I waited, deluding myself that this fibro episode wouldn't last long and I'd be OK. Or would it?
Now I realize that even if it had abated, that too is short lived. With SSD I can still do some work as I can, but don't have to worry about how I'll pay the rent if I can't.
When you do apply, be brutally honest, I know it's hard, but let them know how much rest you REALLY need. How much pain you are in, how well you do NOT sleep and how often you need to stretch & change positions. Employers are usually not very flexible or understanding of these issues.
I hope this helps just one of you. It took my daughter kicking me in the butt to get me going on this. Otherwise I might still be crying in my lounge chair and feeling useless & hopeless.
I would still gladly go back to work if I could, but that just doesn't look like it is in the cards.
Brightest Blessings to you all!
glenda emoticon

Edited by: GOODWITCHD at: 7/29/2009 (15:13)
Dreams have NO limits. If you can dream it, you CAN do it!



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MARMCORE's Photo MARMCORE Posts: 73
7/27/09 10:46 P

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Hi, I am now 54, but when I started with S.S.D. I was 52, I was denied the first time, then a 2nd. by their Drs., I then got a lawyer who only gets paid if you win, my husband then had insurance again so I go to see my own Dr.s and I suffer from more then Fibromylgia and you probably do too, you just do not know it, is your balance bad, are you forgetfull, how's your breathing etc..? I have an know a whole list of things depression for another that can help get you S.S.D. Just ask.

God grant me the serenity to accept the things I cannot change The courage to change the things I can, and the wisdom to know the difference.
MARGIE100%PURE's Photo MARGIE100%PURE Posts: 1,513
7/23/09 4:46 P

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Oh yeah cobra is a gimmick! It works of you are making $30-49K or more but hitting that PINK glass ceiling will hurt you every time. I usually come out worse in debt than just using community hospital care.
My experience at free clinics was a wash. I knew more about my condition and the meds than the volunteer doc.
Try the Amer Red Cross for info to grant doc programs ‘access to care’ or something like that. Certain churches and Salvation Army also help with electric and some heating bills.


The greatest love story is your own.
If you miss out of life to the fullest; they win.
You are the happiness master of your own mind.
Thought is an active dynamic energy to harmonize and corrolate good.
Clear all paths to love thru forgiveness.
I may not recognize the significance until some time later.
Is my resistance to change really that strong?
Impatience does not provide the time to learn the lesson;
Awaken new ways to approach the dissolving of a problem;
TIGGY6209's Photo TIGGY6209 Posts: 523
7/22/09 8:33 P

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You are right, this is a great support system. It really helps to come here and say what's going on and people actually understand it.

I am glad you are having a better day emotionally.I hope tomorrow is even better and maybe if we all learn to handle it better emotionally, the physical part will benefit. I know I still have a long way to go, but you just have to keep getting back up and starting again no matter how many times it takes. If we fall and need help getting back up we can come here and know someone is always here to help us.

We just have to keeping hoping and praying that things will all work out. There are answers out there we just have to find them.

Karen

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/22/09 7:32 P

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All I can say is you are such a beautiful soul. So many of them through SparkPeople. I feel so blessed to have found such a wonderful support system. Thank you for your ideas. I am willing to do whatever it takes to make sure my daughter is taken care of. It sounds like you have been through so much to do the same and I am strengthened in hearing your story. Thank you!

I am having a better day emotionally. I got up albeit sore this morning (my muscles kind of burn today) and did some things that needed to be done. I spent an hour doing things for our PTSA rummage sale and it felt good to do things for others! I am going to try and focus on my studies as much as I can this afternoon before dinner, although I am sure my daughter will be asking to eat soon (said with a smile and a laugh, teenagers are always hungry aren't they?). Have a wonderful afternoon!

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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TIGGY6209's Photo TIGGY6209 Posts: 523
7/22/09 4:36 P

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Hi,

I am old (52) and only had 4 more years left until retirement when I had to quit. I couldn't get the medical benefits they give to retirees because I wasn't 55, but if I go back and work for this company again when I am 54 doing any kind of work then I can officially retire at 55 and get my retiree medical benefits back.

I did this test on the Real Age website and it said my body was 62 based on the answers to my questions. I've seen little old ladies who are 90 get around better than me. I had just finished putting my daughter through school using a lot of my retirement funds when I quit. I pushed myself until I could get her through college. I am so glad that when I bought my house all those years ago, I bought a small house that wasn't very expensive. It will be paid for in 4 more years. Yeah. They can take everything else, but they can't have my house because I need it for all my cats.

You actually can use your 401K to cover expenses and not have to pay the penalty. As long as you don't withdraw more that your deductible medical expenses including the cost of health insurance there is no penalty. You do have to pay taxes on it if you don't have enough other deductions to offset the income. There might also be a way you can get a loan from your 401K. I have had to use part of my 401K and feel that if I need it then I have to use it. I worked over 30 years and have pensions with 2 companies and can start drawing on them when I am 55.

I also paid for disability insurance for years and years, but was not considered "totally disabled" so they wouldn't pay me without an appeal and they got to pick the doctor. I knew they would pick some idiot who didn't have a clue about fibro, so I just quit. I was taking so much medication I couldn't think, the pain was unbearable and my boss was -well we can't use that kind of language on Sparks. What really puzzled me was that the kind of work I did, I needed my head to work or I could make a mistake that could have cost the company millions of dollars.

I got stuck with the COBRA too. I just made my last payment today of $900 for one month. I was approved for disability last November and rather than give me Medicare they give you the priviledge of staying on COBRA for another 10 months. No private companies would even take an application from me because of the fibro, apparently we are uninsurable. They said it was a waste of their time because I would be turned down (don't feel bad they turned my husband down because he has high blood pressure and takes medications that actually work and turned my daughter down because she had psoraisis - not severe- just a moderate case of psoraisis). You can't apply for insurance through the state until you have exhausted all the COBRA. I don't know if Medicare will be any better. I don't know anyone old enough who understands Medicare and my foggy head doesn't understand it.

Someone I know told me that if you quit your job for medical reasons you have to pay the whole amount for COBRA, but if you quit for non-medical reasons you only have to pay I think less than 50% of what it would normally be. When I was approved for disability, my COBRA by state law was increased from paying 120% of what my previous employer paid to 125%. I might have brain fog, but what is wrong with the people that came up with this stuff. The healthy people can go get another job and make money. Those of us with fibro don't have much chance of finding another job until they come up with a treatment that works.

You should look for free clinics and I know there's info on Sparks (maybe in the reading room) about trying to get your prescriptions for free through the drug companies. I am going to research this too because of this thing called "the doughnut hole" on prescriptions under Medicare. I typed in all my prescriptions and was in the hole within 2 months of starting on Medicare.

There are enough of us here at Sparks to help you come up with ideas on where to go for financial & medical help. Besides, you are right there are lots of angels looking out for all of us.

Just keep asking questions and venting if you need to. I also survived the teen age years, and am working on surviving wedding planning so I have some understanding on that too if you need it.

Karen

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/22/09 12:26 A

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I should also be thankful that I am 35 and not closer to retirement. That for sure is way more difficult to recover from. My parents have no retirement left because of health issues. I pray anyone in that situation has an angel looking out for them! Thanks again all you WONDERFUL PEOPLE!

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/22/09 12:13 A

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I don't expect unemployment to pay me while I sit at home. My point is that they won't pay out unless I can work FULL time. I asked them if I could receive unemployment until I get a part time job (hoping that my meds will help me enough I can do so). I am sorry but it is frustrating! I don't have 1000.00 a month to put out for insurance not even with the small amount I have in retirement. It would not even pay for 2 months of insurance and my bare minimum bills after penalties. Sometimes it is hard for people to truly understand how hard it is for those of us who have not had the good fortune to have a job in which we have a healthy retirement to dip into. Not that I am saying you do but the social workers who say just use your 401k and have no concept that after bills and COBRA it won't last 2 months and then you are destitute. My daughter will simply not have coverage and we will be on the streets as of September if I can't figure something out. Period. It's really that bad. I am sorry to vent and I appreciate the moral support. I did not mean to have mislead when I said I was going to see if I could use my 401k. That is just for survival until I PRAY, my medication helps enough I can work part time (I don't really have any skills though) And the unemployment woman did tell me they would pay during retraining but only in select trade programs that aren't reserved for us gimpy ones. It's true they need to have programs for those of us in between a job and disability, sigh. It'll be okay. I always figure something out when life gets hard! I have to say this is a little more of a pickle then I have been in before. I am really thankful that I have you all here. Every one of you are amazing. I started stretching every morning when I get up because of your inspiration. It helps.

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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MADCATTRINA's Photo MADCATTRINA Posts: 519
7/21/09 9:22 P

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I got so carried away with our financial plight I forgot half of what else I was trying to say. It seems to me, that if a person is trying to change professions to make it possible for them to work while having a disability that the insurance company or Social Security should be willing to help them get there. Give a man a fish verses teaching him to fish emoticon None of this makes sense. There is too many of us out there for there to not be any provisions to insure that we can have peace and liberty.

MADCATTRINA's Photo MADCATTRINA Posts: 519
7/21/09 9:17 P

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For unemployment you have to be willing and able to work. That isn't what it is for. It isn't to cover disabilities or retraining. We too were dipping into retirement to pay $1400- a month for COBRA. We finally found a company willing to cover us in the eleventh and a half hour, at the same high price however. In exchange for sacrificing our future ability to care for ourselves at nearly $17,000- a year (with a $3000- deductible. Vision and dental still come out of our pocket too.)Cymbalta from a disinterested doctor. I have lost count the number of times my husbands cardiologist has dropped the ball or over charged us or some other thing that took hour on the phone. Big pharma is running the show and it sure doesn't seem like we are getting any quality for these huge sums.

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/21/09 8:25 P

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I am so with you.I spent hours on the phone today trying to get unemployment but I can't because they view being laid off for a disability like quitting. I can't get benefits unless I can work AND because I am in school trying to get a job I can do with the fibro. I have no income as of September when my wage loss ends with the car insurance company. I have a small amount in my 401k and I am willing to take the penalty for some living money but then I lose my daughter's health insurance. I already have delinquent notices for my own medical bills and I have no insurance for my much needed meds. The system should help people get on their feet instead it makes you totally destitute to get help that doesn't even allow for survival. Just venting.

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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MARGIE100%PURE's Photo MARGIE100%PURE Posts: 1,513
7/21/09 7:49 P

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Oh Tymberwolf,
We do understand! I was paying for short and long term med leave benefits but the boss falsely put me on FMAL, Family medical leave act then said the ‘corp. is less than 50 employees so come back to work’! She fired me while a doc note sat in my file. I had an endo doc but she dismissed me and shredded 12 years of med records. I have not worked a full-time job in 26 agonizing months. My dignity is still squashed.
This political football is tied up in the corporate greed at the pharmaceutical industry that also has the FDA in their back pocket. It has a strangle hold on the adrenal clauses for the international classification of diseases that the insurance industry uses $$$$!!. MDs do not get paid unless they avoid aging and adrenal fatigue issues. Just give them an antidepressant and reschedule again 6-8 weeks out. Just let us rot! Or how about the gross national product where everyone is not working because of these causes and must watch life, liberty, and the pursuit of happiness happen for others. How about the family strain that occurs to help this loved one that once was a great bread winner just not hurt so often or get some rest today or deplete the family recourses assuming it will get better quickly like a two-week flu!?
Oh yes Honey, we understand!So we must be our own doctor monitors and understand the tests the reasons and self healing because the MD are politically lock-up in a white collar crime to the masses!
emoticon emoticon emoticon

The greatest love story is your own.
If you miss out of life to the fullest; they win.
You are the happiness master of your own mind.
Thought is an active dynamic energy to harmonize and corrolate good.
Clear all paths to love thru forgiveness.
I may not recognize the significance until some time later.
Is my resistance to change really that strong?
Impatience does not provide the time to learn the lesson;
Awaken new ways to approach the dissolving of a problem;
TIGGY6209's Photo TIGGY6209 Posts: 523
7/21/09 3:28 P

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It is hard to deal with when you can't work because of the fibro. I had to quit my job 2 years ago and really miss all my friend there. It's too hard to go back and visit because I know I would start crying because people ask if you're all better now and it's so hard to keep saying you are not better.

I don't regret quitting my job even though we have to live a simple life and the debt is piling up. I know I couldn't continue to go through the torture of going to work and being in so much pain. Working and getting ready to go to work the next day is no kind of life.

If you need to cry then you should, don't try and hold all your emotions in. You can't be tough all the time. We are right here if you need someone to talk to. It's a difficult time for you now, but it will get easier. Spend more time with your family and just never stop hoping.

Karen

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/20/09 7:16 P

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I have received a lot of good support from everyone here and it means so much. It gives strength and hope. It is true, "this too shall pass". Time to cry and move on. I'm tough like I know so many of you are.

"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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MADCATTRINA's Photo MADCATTRINA Posts: 519
7/20/09 5:29 P

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Even though you are out on disability and can rationalize the thought it still stings like crazy doesn't it? It is very hard to take but this too shall pass. Good luck and take care of yourself.

TYMBERWOLFE's Photo TYMBERWOLFE Posts: 677
7/20/09 4:01 P

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I was told I lost my job for good today...got the call this morning :(


"Learn from the past, set vivid, detailed goals for the future, and live in the only moment of time over which you have any control: now." ~ Denis Waitley

https://twitter.com/Greenergrad

https://pinterest.com/tymberwolfe/

It's hard to beat a person that never gives up.~Babe Ruth






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