Well, Cigna canceled my disability insurance payments.  Surprise!  I am initiating an appeal. My doctors have not changed their positions. Cigna Life Insurance coverage is no longer in force, as they have canceled the premium waiver.  On top of all this, my COBRA health insurance coverage expires the first of September, but I can’t get Medicare until November. I am about at the end of hope.

I expected my disability payments to be canceled.  That is how the insurance game is played. But they canceled it because the strength in my legs had increased. I never knew that leg strength helped to type or hear! Once again my ENT and rheumatologist had to fill out forms and send in letters. They make it so difficult to get and keep payments coming.  The reason I signed up for disability insurance was to make sure that I would have enough income to pay my bills.  These payments are less than I draw from Social Security, but they are needed to cover the bills for insurance.

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I cannot get life insurance coverage outside what I used to have.I received a letter from Cigna stating that they had also canceled the premium waiver for my life insurance.  The letter said I had the right to appeal the decision, but I had to apply for conversion to a private policy within 30 days.  AND I had to send in the first three months payment with my application which would run about $1400.00!  I am fortunate to have some room with my finances but that and my health insurance run more than I draw from Social Security. Our home is on the market and we are building a smaller, handicap accessible home to lower our expenses.

You have to be on Social Security for two years to be eligible for Medicare.  COBRA coverage last 18 months and cost me about $900 a month.  That means that for 6 months I will not have health coverage.  I cannot possibly afford insurance that will cover my pre-existing condition (about $1300).  Believe me I have checked. I went through the procedure to try to get COBRA extended but they denied it because they weren’t notified within 60 days of receiving SSD.  That also has an appeals process.

The Sarcoidosis is in the joints of my fingers and my wrists.  I cannot type for more than 30 minutes without pain. I lose my grip at all the wrong times.  I can’t sit comfortably due to pain in my hips. I can’t walk without pain in my knees or feet.  I can’t stand still without falling because of the Meniere’s. I can’t walk without looking at my feet.  I can’t drive more than 10 miles from home.  Yet Cigna thinks I am faking and can work a full-time sedentary job.

I don’t have the energy on a good day to be active for more than 4 or 5 hours.  Someone is with me whenever I leave home in case I fall.  The medication I take is messing with my body and the disease markers keep going up.  The doctors tell me to avoid stress.  The insurance companies count on people either giving up or dying.  And the way this is going I think they are literally killing me!

 

 

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