Sep 27, 2010 - 2:54 pm
This is my first post (though not my first try at posting). I suppose it should have been on my situation but this is something else on my mind.
I have checked into my company’s disability policy and it seems that it won’t cut it for me. At its maximum it will only pay about 40% of my salary while saying that I can earn up to 20% without losing benefits. This leaves a fairly significant 40% uncovered obviously. The work folks have been wonderful and I can work at home practically any time I want but I really can’t afford to lose the income. There is also a Return to Work Incentive clause in the policy that says I can work up to 80% but the agents seem to be clueless about this. Does anyone have experience or thoughts on this?
BTW, I had a radical tonsillectomy about a month ago and now that I am well healed (but not, alas, well-heeled) we will start the treatment merry-go-round next week. I still have a cancerous lymph node on that side and so we are doing rad and chemo. I didn’t try for disability after the op because I knew we would have this month for scans and dr appts and dental work and such. The good news about the chemo is that it will only be weeks 1, 4, 7 so there is a slightly better chance that I will be able to work or at least plausibly fake it.
Anybody have thoughts, comments, suggestions? Thanks, Doug