Jul 2, 2001
I have been on LTD since 1994. MetLife was my disability carrier and that was switched to CIGNA in 1999. This year, as every year, I complete a form showing that I do still have the virus and so does my doctor. I have had PCP twice during these years most recently I have been experiencing eye sight problems-"dimming" vision like the lights are being dimmed. I went to the dr for that, but was told to return if problems continues. I continue to experience dermatological issues where sores break out in my mouth and on my body. They bleed and drain. Other problems that I have been having for about two years is problems with bone mass density loss. I was referred to specialist for this. CIGNA however, because my t-cell are 271 and the viral load is undectable believe that I can return to work. I struggle with fatigue and the last test results show that I am developing anemia. My t-cells do flutuate from 170 to 300. They have now cut off my disability check while we wait for their determination of my disability. I am still on Social Security disability. I don't know where to go with this. The wait is financially hard and now my medical and life benefits are also in jeopardy. Any advice?
| Response from Ms. Franzoi
This is a very difficult question to answer. In the beginning of the AIDS epidemic and until recently, merely having an AIDS diagnosis qualified someone for long term disability benefits and Social Security disability benefits. However, as new treatments have been developed and people with AIDS have been able to stay in the work force or return to it, insurance companies have started to challenge whether or not a person is truly incapable of working. Unfortunately, the insurance companies have probably not developed adequate guidelines for determining whether or not a person is still disabled. My suggestion to you would be to have all of your treating physicians provide medical details explaining why you are unable to work. You should have them provide all medical evidence that supports your inability to work. The more information you can provide to CIGNA the better your chances will be to get them to reinstate your benefits.
Get Email Notifications When This Forum Updates or Subscribe With RSS
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.