Well I am getting geared up to write about the things that can happen to people like myself, who think they have great insurance, or will never have to rely on the government for assistance.Believe me, If I lost everything I owned -- and my career -- due to an accident and illness, then ... IT CAN HAPPEN TO ANYONE! 

There it is. The one everyone laughed at for buying so much insurance ... still lost everything because the insurance companies have a deal with hospitals to pay "staff doctors," who take over once you are hospitalized, and they work and answer to the Humana or (whatever insurance you have) whatever disability insurance you have too. They are hoping some doctor will not want to say that I'm too sick to work if they financially ruin me and I cannot get a doctor in my corner for a long, long time -- and it's so hard to find doctors willing to fill out forms.

Even if you are dying, the doctors do not want to stake their reputations on it without getting a huge sum of money to testify in court. They have "no" intention on paying anyone until they are 65 and practically pounce on the fact that a patient who is in pain and suffers from the kind of depression I have now as a result of my illness -- and for no other reason that I can think of. Yes, I had depression, even more so after my case worker called me every damned morning to tell me in a "catty' voice that she found out that some of my doctors cannot say for sure that I had Lupus. In fact, they are so sneaky that they fax each one of your doctors and ask them to respond within two weeks as to my condition AND IF LIBERTY MUTUAL DID NOT GET A RESPONE BY THEN, THEY WOULD ASSUME THAT THE DOCTORS BELIEVE THAT I COULD DO SOME KIND OF WORK.

I had to keep on top of the doctors like a beggar to make sure they answered the letters. By that time, the doctors didn't want to be my doctors anymore because of all the work I am to all of those concerned. I had TWO GREAT DOCTORS: Dr. Elaine Tozman, a professor in Rhuematology at the University of Miami School of Medicine, and Dr. Steven Zeig, an internist who diagnosed me with Lupus 30years ago and luckily a cool doctor who knew me for years and had the opportunity to fight off many blood infections that nearly killed me. He had saved my life several times. He and his partner, Dr. Levine, were known as the "doctors doctor."



After That way, they can say that your illness is a "mental condition" which is only covered for 24 months. I had to see all of their doctors (who said I wasn't physically sick enough to receive disability checks anymore -- and that I was just depressed and mentally ill). If it could happen to me, it could happen to you! 

Thank you for reading my blog. Have a blessed day.