I have been out of work since the end of February and I finally applied for Long Term Disability after I realized I was able to. I didn't apply until last month and they just sent in a request for medical records, etc. I just got off the phone with the company, UNUM, that could approve it, and I got the third degree. I understand some people try to file false claims, but HG is a real condition! I was at a loss for words with some of the questions she asked me. You all know how HG is, some days are good and you can do things, like errands and grocery shopping, other days you are laid up in bed and can't barely get up. Will they understand this and approve me? I have a feeling not. I don't know if anyone else has this problem, but I never quite know how to explain what HG is exactly, especially when I am on the spot like that. I usually say it is somewhat like morning sickness, only a million times worse that lasts for months and months. I guess that sums it up, but then most people will say, all pregnant women get morning sickness. I feel so discouraged, almost like she thought I was faking it. Does anyone get long term disablity?
I also have to send in my intent to employ for the fall school year and I am so reluctant. How do I know if I will feel up to working when I am almost nine months pregnant? If I send it in and can't work, I put them in a spot not having anyone to work for me. If I don't send it in, I will lose my position with the school department unless I continue getting LTD coverage. It is that nasty catch 22 that I have come across so often lately.
I just needed to unload....thank ladies!
Jolene