Insurance and Health Care Reform Support Group

This community deals with health insurance issues and major health care policy creation or changes (for the most part, governmental policy). Communicate your ideas, problems, solutions, and experiences here.

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Considered Uninsurable

deleted_user
deleted_user
I was an law enforcement officer, injured in the line of duty and, as a result, I now have a seizure disorder. My career is now over, my ability to drive is history, and my Master's degree isn't worth the paper it is printed on. I receive a SMALL disability check every month and, right now I am COBRAed through my previous employer which takes 3/4 of my disability check to pay. I've checked with other companies and have been told that I am uninsurable.

WHAT ABOUT PEOPLE LIKE ME? What do I do when my COBRA runs out? I will need health care the rest of my life but there's not alot of opportunity out there for me. If I can find a full time position, with benefits, that will hire me, I have to be able to get to work (no decent bus system in my town) and then, I will have to give up the small disability that I do get. And lets face it, odds are not so great that I will be able to sustain full-time employment for long. What would I do then, once I have given up my disability?

What options are out there for ppl like me?
krazykatt58
krazykatt58
I received my first social security disability check a few years ago for bipolar disorder. I am only working under the table. I know that if I take a risk to get employment and LOSE THAT EMPLOYMENT AFTER MY CHECKS STOPPED, i AM IN MORE TROUBLE. A steady income is nothing to balk at. Your situation is a seizure disorder and I am sorry to hear you suffer from that.
You are probably able to hold a job for a longer time than I. Weigh that against
everything.
deleted_user
deleted_user
I am sorry for both of you. I am also disabled and was fired when I took FMLA. Things like this happen to people like us all the time. This is why we must stay involved and make some changes to the configuration in Washington. We elected them now it's time to kick them out.
deleted_user
deleted_user
If you're on disability, after a 2 year waiting period you can apply for medicare. I'm in a similar situation and am uninsurable also. I'm trying to get disability and have a lawyer now and have applied to the Texas Rehab to help me get some type of work. The girl at the Tx rehab office told me I should be able to get medicare once I'm approved on disability, however she did say their is a waiting period of 2 years.
deleted_user
deleted_user
In theory they are supposed to be retraining you for a job as we speak, Retropig. Unless there is no way you can work at anything. Private carriers would consider you ininsurable, but if you can get on disability you should be eligible at some point for both Medicare and Medicaid. I would get the Dept of Human Services on the horn and figure out where you fit into our lousy system.
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