The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
  • Email Email
  • Glossary Glossary

Pressure From Disability Insurance Company.
Apr 9, 2007

After 13 years on LTD and a couple of scrapes with the hereafter, the new wonderdrugs have allowed me to begin a structured, limited return-to-work plan. An income locked in 1994 dollars does not go very far. I need to earn money.

My doctor agreed to 8 hours a week to start. I'm training (and earning) for a clerical position which I can do from home. I dutifully notified my disability insurer and already they are turning the screws for me to increase working hours even though I do not actually have the job yet.

I have a long history of HIV treatment failure, treatment-related type 2 diabetes and plenty of other drug side effects. My viral load has never been undetectible, and my t-cells remain below 200. I seriously doubt I could ever feel well enough to work a full 40 weekly hours.

I've been around long enough to see the writing on the wall, and sadly, insurance companies don't care what happens to you after they dump you.

Should I find legal counsel now? Given my poor lab results, should I just forget about working to protect what health and benefits I have?

I'm at a crossroads.

Thanks, Bob

Response from Ms. Franzoi

I don't think you need an attorney, yet. However, you should carefully review the return to work provisions in the policy, including any residual disability benefits available when you do return to work. This will be helpful in maintaining your rights under the policy.

HIV testing
getting off spouses insurance

  • Email Email
  • Glossary Glossary



This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.

Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint