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Author Topic: progressing towards AIDS courtesy of my labs and not being able to afford meds..  (Read 5034 times)

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Offline pozhealthy

  • Member
  • Posts: 116
Ok, so how do you do it?  I have short and long term available via my job. Assuming I get this do I also get SSDI? or do they only let you use one? I realize this is rather vague. But if I apply I am not sure where to live and pay for things while I wait to find out if i meet the criteria for disability.
Suggestions and comments welcome.

Offline aztecan

  • Member
  • Posts: 5,404
  • 29 years positive, 57 years a pain in the butt
Hey Pozhealthy,

Rather than worrying about what type of disability to file for, I thing I would be spending more time findhing a way to get the meds you need.

Getting Social Security disability is a lot more difficult than it sounds and could take months before it is approved - if it is approved. Often, the first time around, people are denied and must appeal.

Private disability may be easier to obtain, I don't know. I do know they keep a pretty close reign on those types of things and several people have posted they were undergoing periodic reviews quite regularly. In other words, if they think, in their infinite wisdom, you don't qualify any longer, they cut you off and you have to fight to get it reinstated.

The bottom line is it is still better to maintain or regain health rather than waiting for the worst to happen and plan for disability, which would be short-lived anyway if you don't get your medical needs taken care of.

Of course, this is just my 2 cents worth.

HUGS,

Mark
"May your life preach more loudly than your lips."
~ William Ellery Channing (Unitarian Minister)

Offline AndyArrow

  • Member
  • Posts: 1,196
Have you checked with your local ASO to see if there is any type of assistance available for obtaining your drugs either through a local clinic or your state ADAP? 

Also, some of the drug companies offer different types of assistance of their own.

Good luck,
AA
It is not the arrival that matters.  It is the journey along the way. -- Michel Montaigne

Offline Dachshund

  • Member
  • Posts: 5,993
Ok, so how do you do it?  I have short and long term available via my job. Assuming I get this do I also get SSDI? or do they only let you use one? I realize this is rather vague. But if I apply I am not sure where to live and pay for things while I wait to find out if i meet the criteria for disability.
Suggestions and comments welcome.


I think it's safe to say that you probably won't get any type of disabilty as long as you continue to work. I'm not sure if you're saying you already have disabilty insurance through work or that it's just available. If you have it, I would think reading through your policy would specify the terms. If you don't, certainly your work would provide the details on how their disabilty insurance coverage is administered, etc. The policy I had only covered me until I could get SSDI. It's all different, but in should be spelled out quite clearly for you in your policy.

I know this continues to frustrate you, but as Mark said this will all be moot if you aren't taking your meds.

Offline atxpozguy

  • Member
  • Posts: 64
  • POZ+ 30 year milestone reached for Austin man
    • It's Your Vehicle & Money
I could be wrong, but even if you are approved for SSDI, you still must wait 2 years before eligible for any part of Medicare. At least it was that way when I was approved for SSDI back in 2001.

If you are in Texas, our state provides the medications prescribed by an ID doctor at no cost.
30 years poz with no expiration date

atxlovingqueer@gay.com
atxniceguy@gmail.com

Diagnosed HIV 1983
Diagnosed AIDS 2001

As of Jan 17, 2012: VL <20k CD4 183  28.5%

Offline rondrond

  • Member
  • Posts: 1,712
I could be wrong, but even if you are approved for SSDI, you still must wait 2 years before eligible for any part of Medicare. At least it was that way when I was approved for SSDI back in 2001.

If you are in Texas, our state provides the medications prescribed by an ID doctor at no cost.

Yes. My meds are paid for by Tarrant County/Preventative Medical Clinic,  and anything they don't cover are paid for by ADAP. I have also been told that there is a 2 year wait for Medicare, but that there are loopholes to bypass that wait.
"I may not be exactly where I want to be, but I sure as Hell am not where I was"
Wynnona Judd

Diagnosed/HIV
1993
AZT
Norvir
1994-2001
Crixivan/Epivir/Zerit
No Meds for 7 Years

04jul07/DVT-right leg/Bi Lateral PE's     
16oct08/DVT-left leg
Sept '09  6 blood clots in left arm
Coumadin 5mgs
                                     
Atenolol/50mg/2x
Hydrochlorth 25mg/1x
Gemfibrozil/300mgs/2X
Symbicort
Proventil Inhaler
Potassium
Rhinocort


*APR 08~Viramune/Truvada
March08  CD4 330 23% VL 452.000 
*Jan09 Med change~Epzicom/Viramune

Aug09   CD4 523 23%  VL<48
Diagnosed: COPD
Dec 2013: CD4 645 45% VL 49
Med Change: Viramune/Epivir/Ziagen/Isentress

Offline AndyArrow

  • Member
  • Posts: 1,196
The waiting period of medicare is actually 30 months (so a little over two years) according to the letter I got when I was told I was approved for medicare but had to wait until June 2009. 

An important note is that they may consider you were disabled before you actually started receiving benefits for disability.  In which case you waiting period is from the date you were disabled and not necessarily from when your benefits started.

It is not the arrival that matters.  It is the journey along the way. -- Michel Montaigne

Offline rondrond

  • Member
  • Posts: 1,712
The waiting period of medicare is actually 30 months (so a little over two years) according to the letter I got when I was told I was approved for medicare but had to wait until June 2009. 

An important note is that they may consider you were disabled before you actually started receiving benefits for disability.  In which case you waiting period is from the date you were disabled and not necessarily from when your benefits started.



That's a good point, Andy. At the onset of the blood clots, everyone kept saying, "you need to file, right now', even if you don't turn out to need it, they use the filing date for determinations.
"I may not be exactly where I want to be, but I sure as Hell am not where I was"
Wynnona Judd

Diagnosed/HIV
1993
AZT
Norvir
1994-2001
Crixivan/Epivir/Zerit
No Meds for 7 Years

04jul07/DVT-right leg/Bi Lateral PE's     
16oct08/DVT-left leg
Sept '09  6 blood clots in left arm
Coumadin 5mgs
                                     
Atenolol/50mg/2x
Hydrochlorth 25mg/1x
Gemfibrozil/300mgs/2X
Symbicort
Proventil Inhaler
Potassium
Rhinocort


*APR 08~Viramune/Truvada
March08  CD4 330 23% VL 452.000 
*Jan09 Med change~Epzicom/Viramune

Aug09   CD4 523 23%  VL<48
Diagnosed: COPD
Dec 2013: CD4 645 45% VL 49
Med Change: Viramune/Epivir/Ziagen/Isentress

Offline caregiver2008

  • Member
  • Posts: 13
There is a 24-month waiting period for Medicare Part A, B, and D unless you are on renal dialysis.  Obama wants to change the 24-month waiting period to zero waiting period.  Not sure he will succeed.

Just my 2 cents...

Thank God for TX ASO's!

Offline sharkdiver

  • Member
  • Posts: 1,350
There is a 24-month waiting period for Medicare Part A, B, and D unless you are on renal dialysis.  Obama wants to change the 24-month waiting period to zero waiting period.  Not sure he will succeed.

Just my 2 cents...

Thank God for TX ASO's!

No offense caregiver, since you are not poz or a LTS, please respect the request to not post in the Long Term Survivor forum.

Thank you,
Sharkie

Offline Ann

  • Administrator
  • Member
  • Posts: 28,140
  • It just is, OK?
    • Num is sum qui mentiar tibi?
Shark,

Chill out already. Caregiver was trying to help - and not being condescending. Wish as much could be said for you.

Ann
Condoms are a girl's best friend

Condom and Lube Info  



"...health will finally be seen not as a blessing to be wished for, but as a human right to be fought for." Kofi Annan

Nymphomaniac: a woman as obsessed with sex as an average man. Mignon McLaughlin

HIV is certainly character-building. It's made me see all of the shallow things we cling to, like ego and vanity. Of course, I'd rather have a few more T-cells and a little less character. Randy Shilts

Offline pozhealthy

  • Member
  • Posts: 116
in shock!!!!!! the moderator actually kinda sorta scolded sharkie for pouncing on the posting of a non LTS......OMG
i am still reeling......LOL
 :D :o ??? :-* :) ;) :D

Offline sharkdiver

  • Member
  • Posts: 1,350
I apologize caregiver, seriously. Just been a little sensitive lately not that its okay to make excuses.





Offline caregiver2008

  • Member
  • Posts: 13
Thank you Sharkie for your PM.   ;)

Sorry, still kinda new here.  I read the post and thought I'd post a reply.

I'll stay out of LTS forum...

Everyone have a great day! ;D


Offline Dachshund

  • Member
  • Posts: 5,993
in shock!!!!!! the moderator actually kinda sorta scolded sharkie for pouncing on the posting of a non LTS......OMG
i am still reeling......LOL
 :D :o ??? :-* :) ;) :D

Back to the question you posted. Did you do your homework and find out if you have disabilty coverage at work? Seems like that is where you need to start in the process. Good to see you haven't lost your sense of humor.

Offline pozhealthy

  • Member
  • Posts: 116
dachsund,
ty for getting this post back on track. I have not found out much from work. I can use a few sick days and then have to fill out FMLA papers or something.  It's hard to sort of walk the line of asking and not disclosing my situation.
Any suggestions out there on how to word my questions as to not arouse too much suspicion. Or maybe I should just frame the question as a "what if i got cancer or injured and could not work....." type of thing.

Offline AndyArrow

  • Member
  • Posts: 1,196
ph,

FMLA  will allow you take time off if your sick or for doctors appointments and the like but it is unpaid time off.

I don't know that I would phrase it exactly like that (what if I got cancer).  Your situation depends on what size company you work for, how long you've been there and exactly who you'll be asking, HR ... another co-worker??? 

I would probably try something along the lines of  "I've seen all those commercials with that duck for Aflac and was wondering if we have anything like that here."  This way you don't mention your health all but are simply inquiring about benefits.

good luck!
AA
It is not the arrival that matters.  It is the journey along the way. -- Michel Montaigne

Offline Dachshund

  • Member
  • Posts: 5,993
I'm getting a little frustrated here. It seems the answer to your question would be to read the policy. Unless you have the most liberal disabilty policy I have ever heard of you're going to have to provide verifiable proof of illness. Hinting "oh by the way I think I have cancer" ain't gonna cut it. Like it or not you're going to have to prove an AIDS diagnosis to receive disabilty. You say you're not taking your meds. Who gives a damn what they think at your work. You'll be at home trying to put your life back together. Eventually your destroyed health is going to take care of all of this for you.

Offline pozhealthy

  • Member
  • Posts: 116
did i say i had cancer??? no, re read my post carefully.  i have looked at the policy and its really vague that is why i am asking questions on here. trust me its just as frustrating for me when people don't read the posts and post a reply that does not help.
arrggh
never mind

 


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