My dilemma

If it's on your mind and it has to do with multiple sclerosis in any way, post it here.

My dilemma

Postby Brownsfan » Mon Mar 06, 2006 5:26 am

Hoping to get some constructive opinions from the bright minds on this board. Right now I have a good job with one of the world's largest companies and therefore have a great benefits package including long-term disability. In otherwords, if I become disabled I will still receive my salary until retirement (I'm 33 now). I have an opportunity to go work for a privately held, smaller company which would be a lot more fun, lot more money, but I won't be able to get the LT disability insurance now because I have a pre-existing condition. Currently I am asymptomatic and have only had a total of 2 exasperations over 6 years but I realize most start off mild and that could change tomorrow.

Do I take the job and roll the dice that the pharmas will figure this out in the next few years and come up with a decent med that halts progression? Or do I play it safe and keep working for the man?

Thanks to any who respond
User avatar
Brownsfan
Family Member
 
Posts: 91
Joined: Thu Aug 25, 2005 2:00 pm

Advertisement

hi Brownsfan

Postby robbie » Mon Mar 06, 2006 7:16 am

Keep working for the man, just knowing you have ltd will help so much when things start to get worse. i got MS at 28 and went for years thinking i could do anything but now i am not working and am always counting my pennies. it makes somthing hard even harder. Rob
User avatar
robbie
Family Elder
 
Posts: 1148
Joined: Thu Jan 27, 2005 3:00 pm
Location: Northern Ontario, Canada

Postby adjanimals » Mon Mar 06, 2006 8:59 am

As far as LTD. Do you live in the states? IF so, this happened to me.
Check you companies policy on LTD, there may be a clause stating reducing disability benefit by the amount of social security benefits.
I did that buy up deal so I could get 66 2/3 % of my salary. Yea right.
I was expecting about $2400 a month. well when SSDI $1600 kicked in I had to repay $14000 back for overpayments on my LTD and even from when I was on short term disability. My LTD was adjusted to $800 a month. So check with your HR on this.
User avatar
adjanimals
Family Member
 
Posts: 93
Joined: Sat Jul 10, 2004 2:00 pm
Location: Minnesota, USA

hi

Postby robbie » Mon Mar 06, 2006 11:12 am

just look out for yourself,i think any company LTD no matter what % it is would be better than government help.
User avatar
robbie
Family Elder
 
Posts: 1148
Joined: Thu Jan 27, 2005 3:00 pm
Location: Northern Ontario, Canada

Postby Brownsfan » Mon Mar 06, 2006 12:10 pm

Thanks for the replies. Unfortunately I think I'm handcuffed by this disease and will indeed keep "working for the man" despite better opportunities. The thought of relying on the government as my sole source of income makes me cringe.

J
User avatar
Brownsfan
Family Member
 
Posts: 91
Joined: Thu Aug 25, 2005 2:00 pm

Postby carolew » Tue Mar 07, 2006 6:47 pm

I also think that the fun you thought you would have with the new smaller company perhaps can be found elsewhere and without risking to loose your security. For us, stress is terrible so maybe trying to find such stimuli could be found elsewhere. Good luck. Some do not even have the prevelege of having this LTD so you can be one happy man... :lol: Carole
User avatar
carolew
Family Elder
 
Posts: 553
Joined: Fri Nov 05, 2004 3:00 pm
Location: Ottawa, Ont. Canada


Return to General Discussion

 


  • Related topics
    Replies
    Views
    Last post

Who is online

Users browsing this forum: No registered users


Contact us | Terms of Service