I'm officially screwed.

[Scorpion]

Originally Posted by Random

It never even occurred to me that it might have a non-sex shop use. Though for that I always preferred: http://www.drugstore.com/products/pr...1827&catid=682 I think Astroglide gets tackier than this one does, though I don’t know how well this would work for a cath.

Never heard of Liquid Silk, but I'll have to try that. I prefer Wet brand over Astroglide; I agree that Astroglide can get tacky.

[Random]

You might also check if your state has a program like NJ http://www.rx4nj.org/ or check with the drug company itself. They often have programs.

[Handsome Wheeler]

Originally Posted by Imight;Why1040359

I had cobra and it exhausted last summer....

my employer was bluecross blueshield, ironically enough.

Why can't you return to work for Blue Cross therefore keeping your insurance?

[Imight]

Originally Posted by Handsome Wheeler

Why can't you return to work for Blue Cross therefore keeping your insurance?

Tried. but my entire unit has been laid off or shipped to Virginia.

and they are laying off..well, I can't make that number known...but A LOT, this summer (dont be surprised if it makes the news)

There is also a freeze hire on all major medical insurance companies at the moment here in cali.

I am looking to recover more before going back to full time work anyways. I only have about 5 months of outpatient rehab under my belt since my accident (which is what got me on crutches) then poof, it just stopped (wtf?). definately not enough for someone that can do so much more. I've been evaluated by 3 PT's, and all of them have said I should be able to walk with a minimium of one cane, since all my muscles fire, and many of them with Asia C and D scores. My right left leg is almost back to normal. Left leg moves/fires but is very weak. I do exercise on my own, but I most be doing something wrong, because when I try to walk with one cane. I can only go about a block before it locks up.

I need professional assistance, which I am currently working on. My trip to Ohio (sci-step) was supposed to do just that but medicare never kicked in. have to wait another 6 months. *sigh*

I think I may just go to china, and no, not for the cure, but for some cheap P.T. lol

[metronycguy]

i cant even get through all th ereplies, but ssdi has nothing to do with your std or ltd.
your eligable to collect after 6months of disability.
the std and ltd, may withold thre monies , but your still on ssdi if you were approved at 6months, nothing to do with ltd ending or std ending.
however medicare is like 2 years after you became eligbable for ssdi.
i waited to i was out 10 moths befire i applied, but i got back ssdi..
but again std, not the disease and ltd have no bearing on your ssdi starting date.
you can actually get std and ssdi at the same time

[Imight]

Originally Posted by metronycguy

you can actually get std and ssdi at the same time

Interesting I did not know this. this must be why some people told me I could get medicare at the 2 year mark. because they did that.

Can't say that I knew much about SSDI for example. STD and LTD were just stuff I knew I had to get because my dad told me to when I got my first job at 15. Then when I got hurt, checks just started magically appearing. They explained what it was, and that was it.

[metronycguy]

ltd and std differ from company to company,
i was on std for over 5 years, due to union contract and on the job injury, if it was a off the job , i would have changed over to ltd and out the door.
ssdi id federal, and has nothing to do with your income when inured(as long as your not working).
you could have back dated claim i think for uip to one year, i did something like that.
but medicare still doesnt start at 24 months after injury/disability. medicare starts 29 or 30 month after your injury/last day of work, you still have the full 5 month waiting period.
so bottom line if you were injured and stopped work on the same day, at around the 6 month period you could get your first ssdi check, or would be entitled to that start date. 24 months from that date id medicare. so 29 or 30 months from last day of work/injury

[cass]

wow! STD for 5 yrs?? what company, may i ask? i worked for northrop and boeing. STD meant just that: SHORT term dis. i'm impressed.

i only got LTD and SSDI at same time. first time was in 1986 (accident yr), last time started last year when i could no longer work due to pain.

i do disagree about SSDI and my boeing STD not conflicting. at boeing, my STD was a paycheck, so technically, i was working. they took out all the regular payroll stuff (medicare, withholding taxes, etc.) and was processed as a paycheck.

[metronycguy]

cass for ssdi it doesnt matter that they take taxes out, if you were not working for the money , you are not earning the money. so you are eligible for ssdi. STD and LTD are private insurance and as long as your not working per the guidelines of ssdi , the std /ltd/ pension/taxes you pay has no bearing.
workers comp does, but theirs is a formula , it is not like the LTD that offsets your SSDI, or should i say correctly LTD reduces your payments by the amount that SSDI pays you.most LTD are that way, i have heard of some that are not that way, but you have to pay a lot more for the coverage.
in our case if injured on the job you stayed technically on std until you retired , if you were that injured. i finally retred last year, and i still took a hit on early , but i didt want to worry about new contracts anymore.
workers comp in nys is pisspoor, you can make 100k aq year plus, 200k , doesnt mqtter, the most you will get is 400 a week , if you are unluckuy and dont have a union contract, plus you cannot sue your employer, even if you can prove neglignece , not osha, unsafe and they knew about it, yadaydaydas

[cass]

Originally Posted by metronycguy

cass for ssdi it doesnt matter that they take taxes out, if you were not working for the money , you are not earning the money. so you are eligible for ssdi. STD and LTD are private insurance and as long as your not working per the guidelines of ssdi , the std /ltd/ pension/taxes you pay has no bearing.
workers comp does, but theirs is a formula , it is not like the LTD that offsets your SSDI, or should i say correctly LTD reduces your payments by the amount that SSDI pays you.most LTD are that way, i have heard of some that are not that way, but you have to pay a lot more for the coverage.
in our case if injured on the job you stayed technically on std until you retired , if you were that injured. i finally retred last year, and i still took a hit on early , but i didt want to worry about new contracts anymore.
workers comp in nys is pisspoor, you can make 100k aq year plus, 200k , doesnt mqtter, the most you will get is 400 a week , if you are unluckuy and dont have a union contract, plus you cannot sue your employer, even if you can prove neglignece , not osha, unsafe and they knew about it, yadaydaydas

i'm seeing the diff here. i was not injured on the job but on the way to work. my STD was a 6 month deal and it was a regular paycheck. have never heard of STD being anything else. i also am eligible via Boeing for full retirement called disability retirement though under even early retirement age.

my point re taxes: my STD check was a paycheck. credits earned (though after all these yrs working, hardly matters). HOWEVER, it matters a great deal on my 2008 IRS. though i only worked 3 weeks, i paid a great deal in taxes via STD. it will pretty much be refunded.

guess we all need to check our company policies. i am not eligible for workers comp as not injured on the job. i am union (engineer). i think we need to avoid blanket statements regarding LTD and perhaps STD as these are company related.

however, i am still astounded any company carries STD ins. that lasts 5 yrs. even IAM (machinists) at Boeing don't get that to my knowledge.

i'll clarify: was injured at red light on way to work in 1986. was on vac/sl, then STD, then LTD and SSDI even after returning to work 13 months later. after returning fulltime many yrs ago, was off everything until last yr.

cass