My Dictatorial Insurance Co.

topic posted Thu, April 16, 2009 - 4:44 PM by  Lady R
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Hello everyone. I have not been on tribe for a few months due to struggling with a depressive incident but am now back and seeking advice.

I have Bipolar & GAD and was declared permanently disbled 2 yrs ago. Fortunately, I had purchase a long-term disability policy and along with SSD, my income remains the same as when I was terminated from my job - of course, during a time when I was hospitalized. But that's another rant.

The insurance company hounds me, my psych, my therapist, my husband and anyone else they can think of with multi-page forms that devolve into almost such inane questions as, "Can you wipe your own ass?" Now they are requiring me to undergo a 7 hr evaluation with a psych hired by them - no doubt he will be completely unbiased!

Here's my question: I am no longer in a depressive cycle but am now into mania. Shall I appear at the appt. unwashed, in sweats, no make-up and drool hanging from my lip or present as I am now: hyper, racing thoughts, irritable - well, y'll know what mania is like.

Suggestions? Thx, Renee
posted by:
Lady R
Portland
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  • Re: My Dictatorial Insurance Co.

    Fri, April 24, 2009 - 1:34 PM
    They do have all the marbles, so you must play. I would go as myself, however I am on that day. No doubt you will be nervous and that is natural. The asses are trying to take your income away. The psych will no doubt spend his time doing something else while you fill our question after question - same question - just written a different way to throw you off track. Don't let this bother you, just answer each question honestly. I am so sorry that you have to go through this type of trickery. You EARNED your benefits the hard way and not one of them would like to trade places with you if they had any clue. They don't. STAY STRONG. You are not bipolar, you just have a bipolar disorder. Thousands of people with bipolar function the best they can and on any given day, the non-bipolar could become BP. Continue to remember who you are, take the bull by the balls and give your best. Stressing, as you know, just screws more with the highs and lows.This is just imo, of course, as I don't walk in your shoes. I do however, share your disorder and know the frustration, struggle, fear and moments of insanity. Bottom line....................hang tough! Best to you and hopes for the outcome to be for your highest good. Debra
    • Re: My Dictatorial Insurance Co.

      Fri, April 24, 2009 - 10:06 PM
      Thanks Debra. Your insight and words were much needed and soothing.

      I agree with you. I will just go in as myself because with Bipolar, you never know who, "yourself" is going to be from day-to-day. And that is the crux of the illness. And dammit, that Dr. and that insurance co. better understand that too!!!!

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