Hello- I am new and hope to get some answers or advise. Company I worked for in OH and I live in KY.
Brief background: 34 yr old, during pregnancy with 2nd child I developed heart failure when I was 19wks. Ejection fraction was 20-25% and I had a left bundle branch blockage. Last date of work was 1/15/09. Delivered daughter on 4/8/09. An echocardiogram was done 1 wk later and showed ejection fraction in the 15-20% range. A bi-ventricular defribullator/pacemaker was implanted on 7/16/09. My STD ended on 7/13/09. I was approved for LTD by our 3rd party admin (Cigna) effective 7/14/09. I have yet to be released back to work. On 9/3/09, I was contacted by our HR dept and advised I was terminated as of 9/2/09 since I was approved for LTD and Cigna had indicated my return to work date was the year 2040 (when I turn 65). As long as I continue to be approved for LTD, I will pay employee rates for my COBRA for 5 yrs and receive LTD payments until I am 65. Cigna offers a service to assist you in filing for SSDI. I was told by someone who is familar with SSDI issues that there is a list of medical conditions which automatically qualify you as disabled and he said he believes with my ejection fraction, the ICD device and heart failure that I will qualify.
I am struggling with the idea of being disabled at the age of 34. This condition I developed is extremely rare and some people do recover but many do not. I was pushing my heart drs to let me go to work for 10hrs a week and they were very hesitant and wanted to wait until the end of Sept to decided. I was afraid I would loose my benefits for our family if I didn't go back, not realizing since I was approved for LTD they would continue. I am going to talk with my dr again to let her know what has happened with being terminated and such. I want to do what is best for my family and for myself b/c I need to have time to recover and if that means being on SSDI, then that is what I will do b/c I want to be around for my children.
Should I file for SSDI? Does anyone know of this list my friend was talking about? Any advise would be greatly appreciated as I am extremely overwhelmed with all of this not to mention having an almost 5 month old and 2 1/2 yr old.