Bill, I read your post I had to quit work ,I got my short term
disability for 12 months,then went into long term,for SSDI you have to
be totally unemployed for 5 full months . I was glad that I had payed
into the long term at work because it gave me some money while I was
waiting to be approved for SSDI. I 'm not sure what your situation is
but we could email back and forth if ya want.
--- In retinitispigmentosa@yahoogroups.com, "Bill Barns" <wwbarns@...>
wrote:
>
> I have a situation somewhat like that. But in my work it is really
hard to say when you "can't do the job" because it is just a gradual
decline in efficiency, but it's not something you can objectively
measure against a standard. It shows up in stress and taking longer to
get things done and it just feels much harder to do things, though I
can't entirely say why. So it is unlikely that my employer would ever
push me in a disability direction (especially as they self-insure for
everything including LTD). They would just have me take implicit or
explicit downgrades in the job, I think. Their plan gives them a lot of
latitude and what amounts to unlimited power to decide claims. So it is
all very ambiguous in my mind, what will happen if I leave. I have very
little expectation of being able to get the LTD "insurance" from the
employer.
>
> I have met the legal blindness standard for decades, and have been
gradually worsening, but still use my eyesight constantly in my work.
I've heard somewhat conflicting things here on the lists about how
Social Security would play out. My reading of the regulation is that
they might not pay, but most - not all - people commenting on the lists
say that SS does pay in this situation (in practice at least). A
reasonable sounding argument can be made for either answer. As you said,
there is no way to find out what will happen before you make a move. I
think my financial concerns would be dealt with sufficiently by the SSDI
so that is really my main concern, and if I can get employer LTD dollars
at some point that would be an unexpected bonus.
>
> Bill
>
> [Non-text portions of this message have been removed]
>



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