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doc & insurance co says I should not hurt this bad
2 Replies
murphy4u - June 2

I was out of work for 3 months and was finally told I have fibro and the pain is awful and I have a very high tolerance to pain. I am suppose to get short term disability thro Unum at work but they turned me down saying no one has pain that bad with Fibro and that I have a desk job and there should not have been a problem. And my doc is not standing behind me.. I am being told the pain is not severe and that working should not be a problem.. Is this true, is there something else going on? I was told by the doc 18 out of 18 trigger points were flared up.

 

JJ1 - June 3

I don't know how someone else can tell you how much you hurt. That's crazy!

 

Fantod - June 4

Hello - I've been thinking about your comments for a couple of days.

First of all, the insurance company is certainly going to say "no" to a disability they can not define unlike a broken leg, a missing limb etc.
That is probably standard operating procedure.

Secondly, have you been categorically clear with your doctor on exactly how much pain you are suffering? I would make an appointment to speak with the doctor about not backing up your claim for disability. You are entitled to an explanation. It may be that some office flunky is handling the paperwork and the physician in not in the loop.

Are you in an HMO and is the disability insurance tied to the HMO in some way? If so, your doctor has a financial incentive to keep you from getting disability.

Regarding pain, it is subjective in nature. No one has any way of effectively measuring pain from one person to the next. Therein lies the rub with regards to disability. No one can really be sure that your situation is actually as dire as you say it is. Read my recent post regarding Newsweek 6-4-2007. There is some good ammunition in that article to argue your case.

You should also consider filing a complaint with the department that oversees health and insurance providers in your state.

I hope you are able to get some resolution with this situation. I have a feeling it will take a concerted effort and a lot of desk pounding to solve the problem. Best of luck to you.

 

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