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Insurance is forcing me back to work

Jul 19, 2017 11:28 AM

I just got a letter from my insurance saying they are denying my application for insurance. They don't consider me sick enough to not be able to work. So I have to go back to working full-time tomorrow. The problem is that I have been home sick since March due to chest and rib pain. I also have a really hard time breathing sometimes due to the pain. I have no idea how I am going to be able to work full-time considering all my symptoms. I don't even know how to get to my job, I don't have a license, there's no bus and walking that far is really hard for me. But still I have to go back to work tomorrow and thankfully I get to start with a 4 hour day, which is still going to be really hard. I hope my manager is willing to help me out with my schedule or else I have to work 12 hours shifts this weekend 😰

Jul 19, 2017 12:07 PM

Is there no way to appeal the decision?

Jul 19, 2017 12:10 PM

Yes but they say I have to go back to work while I'm waiting for the reply

Jul 19, 2017 12:25 PM

Hey Juliauusitalo, I'm sorry for your distressing news.I suffer from a lung disease on top of everything else...I understand your dilemma...honestly I do.
Although you didn't say what you do, I am basing these suggestions on my own experience.

Do not try to be heroic or tough...listen to your body and don't push...
Ask your manager what to do if you need:
1. an unscheduled break.
2. get off your feet or prop up to
relieve stress on back.
3. if you have to go off site for
lunch, do you get more time
4. Dress code-shoes believe it or
not does matter for the injured
5. Work station moved closer to

If you've been off for awhile, you may be surprised how quickly your stamina runs short.
Insurance is saying "See you can" and you have to say "See I can't"

Sezzy always says to journal everything and by all means make note of when/what/hows
From equipment you have to work with or without, how your body felt...how many times you squat, steps you have to take, stairs, elevator access ir lack of..
Again these are based from personal experience.

All my best... let us know how it went for you...hugs

Jul 19, 2017 12:34 PM

Thanks for the advice! I am definitely going to use some of them!
I'm a caretaker at a retirement home so the job requires a lot of of me physically. I am going to give it my best shot but I'm going to be very careful. And also inform my manager that I'm probably not going to have the energy that I used to have.

Jul 19, 2017 12:46 PM

I would think of your duties and discuss concerns about performing them just as your manager probably got informed the same time you did and is wondering how this is going to work and then you don't have to say I may not be capable...it's on them (legally) to make ACCOMMODATIONS for you...
If they expect you to say lift patients, well they may think you can when you can't even with help or the lift chairs...not just for your safety but the patient too..

My principal put me on the 3rd flr..well there's an elevator..cool but I had to use a cross walk to get to my tower and they locked the doors after lunch...not to mention the lil room was not accessible for me...so I made them move someone on the first floor so I had better access and closer to nurse...
You have to look out for yourself because nobody else is! Even when they're suppose to be on your side!

Jul 19, 2017 1:06 PM

@Juliauusitalo. I'm so sorry to hear that you are being forced to go back to work .

My advice do the best you can and your boss should be able to help you to prove how much you can handle if any

. Good luck. I hope it will get easier for you. ((Gentle hugs)) sending preyers your way. πŸ€—πŸ€—

Jul 19, 2017 1:24 PM

@Spunky. Thank you for all the advices. We're going to talk about my schedule tomorrow so I'm going to discuss my concerns then. And tell her that 12 hours shifts are not going to work for me and I really hope that we can work something out.

Jul 19, 2017 1:27 PM

@Westrengirl. Thanks. I'm going to do my best but at the same time try to not overwork myself. And thank you for the support, until now I haven't found any other group as supported as this one!

Jul 19, 2017 3:12 PM

Keep us posted Juliauusitalo, I hope it go smoothly for you.
I pray you sleep well and rest easy when you choose..all my best

Jul 19, 2017 11:55 PM

Wish you all the luck. When my insurance was up. I asked for accommodations to my job, and was told no! I came back from back surgery. They told me I had to perform what my job discription outlined. I was given a box with all my stuff and shown the door. That's thanks for you.This was for a non profit who works with disabled! Changed my view on them forever. Wish you the best!

Jul 20, 2017 11:13 AM

@Juliauusitalo. You're welcome. For sure don't over do it. Listen to your body . I am happy we all can help. I agree this group is Awesome. Wishing you the best of luck. ((Gentle hugs))

Jul 20, 2017 12:48 PM

Hi Juliauusitalo, I see my name proceeds me even tho I've been absent for a while!!! πŸ˜‰ LOL

Well everyone else has given all the advice I would but I can't emphasize enough to journal everything, keep a small notebook with you when you're at work if you can't carry your normal one so you can make notes as you go, you might think you'll remember everything and the order it happened in but just to be on the safe side it's best to carry it, I even wrote in mine when I was having a meeting with my manager about my sickness (this was when I was pregnant with my now 11yr), he didn't like it and asked me why at the end of the meeting to which he hated my answer even more....I told him that I was going to ring head office and I wanted to make sure I was telling them what he had said word for word (he was giving me my second warning for sickness inside of 3 months and I was 6 months pregnant) and say it felt like I was being pushed out. After my conversation with human resources where I burst into tears (I really tried not to cry, I hate crying but I was pregnant!!!), the warnings were retracted and I was put on customer services as I couldn't work on the shop floor where I was expected to carry stock like TV's, vacuum cleaners, etc... for customers!

Sorry I've digressed!!! I always seem to do that!

I'm not sure how it works where you are but on first returning to work you should have special measures in place especially as you've been off for a long period of time. When you go in to see your manager have a list of things you want to discuss so you don't forget anything....put on there what duties you will need help with, what duties you can't do, how long you have to be on your feet for, and adaptions you will need to help you, shoes you need to wear to make standing and walking more comfortable, what you need to do if you have an instant flare of pain or breathlessness and anything else that you need when you return to work....BUT....always listen to your body, do not let them push you into doing things that you know you can't do, that you know will trigger pain and/or breathlessness and if you do find yourself in the state of soo much pain and really struggling to breath call an ambulance.

They want you back at work so they can say see you can do it but you need to prove that no you can't which is why you need to jurnal everything and make sure you keep up with your pain diary as well, make them both as detailed as you can. If you need to do a pain log at every break you have etc....
Also when you jurnal don't just put in what you've done also put in what you can't do even done to the fact that if you struggled to or couldn't wipe yourself after going to the toilet.....PUT EVERYTHING IN IT.....You can never have enough info for this, the more you have the more you can prove that you shouldn't be working.

Sorry for the long post and I wish you the best of luck. Keep us posted, we're here to offer a listening ear and to help in any way we can xx

Jul 20, 2017 3:54 PM

Well the first day went as expected. The pain is so much worse and I'm really struggling to breathe. I got stuck in the bathroom when I got home because of how exhausted I am. I have cried both because of pain and exhaustion. And every time I move it feels like I'm going to throw up. And I "only" worked a half day today. At least it was nice being a bit more social but I honestly don't even think it's worth it.

Jul 20, 2017 5:35 PM

Awe I am so sorry to hear this. I'm not sure where you live but the insurance is given the wrong people help. And the ones who needs it gets treated less than human

Sending prayers your way. I hope everything gets easier for you . πŸ€—πŸ€—πŸ€—πŸ€—

Jul 20, 2017 5:39 PM

@Juliauusitalo I'm sorry to hear it caused you that much pain, Is there anyway your doctor could write a letter to your insurance stating that it's unsafe for you to work...

Jul 20, 2017 11:22 PM

@Littlelola that's a great idea . πŸ€—πŸ€—

Jul 21, 2017 1:10 AM

He already did that. Saying it's unsafe for me and my customers but they still denied my application πŸ‘Ž

Jul 21, 2017 1:20 AM

@Juliauusitalo Oh wow I can't believe they still denied it😱 Is there no charity or something that could help you I'm not in the US so I'm not sure πŸ€”

Jul 21, 2017 1:26 AM

I'm in Sweden. I don't know if there's any other way. I'm going to appeal the decision but the wait list is 6 months and I have to work while waiting for the reply. I tried getting some money thru my trade union but I can't apply for that unless the insurance approves my application

Jul 21, 2017 1:47 AM

I'm so sorry your going through this it doesn't seem right at all I would definitely appeal and look into wether there is any other help you can get. I wish you the best of luck I will be thinking of you 🀞🏻

Jul 21, 2017 1:56 AM

Thank you for the support. I'm gonna have to give it my best shot even though I know that I'll get worse by working so much.

Jul 21, 2017 2:19 AM

Oh no I'm truly sorry that you're having to go through this, would your manager be able to write a letter to your insurance company saying that you're not able to do the work to speed up the process?
Or will you have to continue until you end up seriously ill in hospital before they will look at your case any quicker?

Remember to journal everything while you're going through this.

I'm sorry there isn't more I could suggest and say but know that I am thinking of you and sending you positive vibes and warm healing hugs xx

Jul 21, 2017 2:29 AM

Unfortunately I don't even think it would help if I ended up in the hospital. The last time I had to go the test ER the ambulance wouldn't even come get me because I knew why I'm in pain. I'm going to have to call the insurance again and tell them that I'm probably going to get bed bound again if I keep working.

Thank you for all the support. It really helps my mood to stay up at least πŸ‘

Jul 21, 2017 4:34 PM

@Juliauusitalo is there light duty you can do ? Maybe answer phones or something. I don't know where you work . But maybe your boss can help your day be easier until your case gets looked at again πŸ€—πŸ€—

Jul 22, 2017 4:07 AM

Update, when I got to work yesterday my boss had arranged my schedule to suit me better and made really good accommodations for me. So now I don't feel so overwhelmed and actually feel like I might be able to keep working 100%. As long as I can keep working like I do now! πŸ‘

Jul 22, 2017 5:33 AM

@juliauusitalo That's great I'm glad he's listend to you!

Jul 22, 2017 7:28 AM

I'm soo happy they've done that for you....but are they going to keep this schedule for you all the time or is it for a limited time?

Sorry to sound like I'm raining on your parade but it's something that needs to be considered just in case it's not all the time.....

Jul 22, 2017 11:21 AM

@Juliauusitalo. Awesome News . πŸ˜‰ Thank you for updates. I am so happy for you . Take it easy and if you need extra breaks it sounds like your boss will understand. πŸ€—πŸ€—πŸ€—πŸ€—

Jul 22, 2017 11:46 AM

Unfortunately I am not sure how it's going to be next week and forward. I hope I can keep working like I'm doing this weekend. I'm going to talk to my boss again next week. I do worry a little bit about that but I try to be super grateful about having a good plan for this weekend! 😊

Jul 22, 2017 11:58 AM

I understand that. Step at a time. I prey that your boss will help you every step of the way . ((Gentle hugs)) My friend . Keep you head up . You can do this. We are all here to support you thro this every step of the way . πŸ€—πŸ€—

Jul 22, 2017 12:01 PM

@Westrengirl Thank you sooo much for all the support! πŸ€—

Jul 22, 2017 12:04 PM

Anytime πŸ€—πŸ€— you can pm me anytime πŸ€—πŸ€—

Jul 22, 2017 2:27 PM

Juliauusitalo I hope that your manager will be able to do this long term for you and sorry again for bringing it up but at times managers will accommodate you initially but then when they "think" you've had "enough" recovery time they'll put you straight back to your normal full shifts (I'm talking from experience).
I always prepare for the worst but hope for the best which I always end up somewhere in the middle.

Sending you lots of positive energy that your manager stays accommodating for you xx

Jul 22, 2017 2:37 PM

I hope and think that she will keep the accommodations. She knows a lot about my health and understands that I won't be able to do the more heavy duty work. I have other plans after the summer so I only have about one month left. Plus they already gave my schedule to an other person so I'm basically just an extra now so it's a lot easier for them to accommodate for me πŸ€—πŸ‘

Jul 22, 2017 2:40 PM

That's great, it's very hard to find managers who understand xx

Jul 22, 2017 5:59 PM

Have you been checked out by your Doctor, had your breathing been checked out? I was walking to the corner and couldn't catch my breath and my heart was racing - fast forward I went to Urgent Care, ended up in the hospital they checked my Oxygen level it was 88% I was diagnosed with Asthma and have been on Oxygen for two years now. I still can't believe it Please get yourself checked out it's not something to take lightly

Jul 22, 2017 11:42 PM

My doctor am aware of it. At first they gave me asthma medication but it didn't help at all so the doctor said it's because of all the pain I'm having. I've been trying to explain it to my doctor saying that I do get bed bound sometimes because every time I move I get out of breath and feel like I'm going to throw up but he doesn't seam to do anything about it.

Jul 24, 2017 5:24 AM

@ Juliauusitalo. It is so hard to get doctor's to understand you . I personally went doctor searching for a year until I found one I really liked . So I guess you can say I gave them interviews with me lol.

Sending prayers your way. I hope it all works out for you ((Gentle hugs))πŸ€—πŸ€—πŸ€—πŸ€—

Jul 26, 2017 1:44 AM

I understand the difficulty in trying to work and keep insurance. A year ago I was working, a desk job, and I was in so much pain, my legs were swelling like balloons and last December I decided I could no longer take it. I quit my job, lost my insurance and have since been denied by Medicaid. I have several diagnoses and take 18 different medications. It has been horrible financially and the isolation I feel from not going to work and seeing people everyday has been really tough. BUT, whereas before I quit my job, I felt like my health was declining rapidly, now I feel like I'm not getting much worse. I'm in the process of filing for disability and will hopefully see the light at the end of the tunnel soon. Until I am approved I have no insurance. If it wasn't do a close family member helping me out, I'd be in the same situation you are in now, being forced back to work. Just take care of yourself and things will work out for you.

Jul 26, 2017 2:07 AM

@Denise1021 Thank you for sharing your story. Sending prayers your way. I hope you are approved. ((Gentle hugs))

Jul 26, 2017 10:47 AM

Denise1021 I wish you all the best of luck with the insurance. I get so frustrated when the insurance company aren't listening to what me doctor is saying! I hope you have better luck than I had.

Jul 26, 2017 11:10 AM

Today is not a good day for me. I still have 3 hours left at work and I've had a hard time breathing all day today. I feel so weak and out of breath even when I sit down. When I walk around I have to hold the handrail that the elderly uses so I feel a bit more secure. I really hope I can get a ride back home when I finish so I don't have to ride my bike home 😩

Jul 26, 2017 11:17 AM

Hoping you feel better Juliauusitalo. Hope also you get a ride home.

Jul 26, 2017 11:21 AM

Awe I'm sorry sweetie . Do you have an inhiller ? Maybe your boss can let you go home early πŸ€” sending preyers your way πŸ€—πŸ€—

Jul 26, 2017 11:21 AM

I hope you feel better soon

Jul 26, 2017 11:33 AM

I had an inhaler before but it didn't help me so now I don't have anything. The doctor said it's because of the pain I get trouble breathing but I'm not so sure that's true.

Jul 26, 2017 11:38 AM

I don't think that's true either . Otherwise everyone would need an inhiller in my opinion anyways. I haven't had to use my inhiller in a few years . But I just refilled my emergency one for when I am able to go hiking again next month . πŸ€—πŸ€—

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