Well I said I would keep everyone posted on what’s been going on with my health and work situation. So today I spent most of the day on the phone and at our human resources office. So here’s what I found out:
1. Medical retirement-wise: I have to gather all my medical records to turn in (there are a lot). They are mailing me the entire disability medical retirement packet. There is a form that my doctor has to fill out, there’s another form that my supervisors have fill out describing my work duties. They told me how much I would get if approved, which is a lot more than I thought I would get.
2. Social Security Disability-wise: I made an appointment next week to begin filing for that. I need all my doctor’s contact information. They told me how much I will get if approved, which is a nice number.
Good thing with my retirement and social security I will get $20 less than what I make currently working which is good. Now’s time for the hard part getting all the information together to get approved for both. I see my primary care doctor on Friday and we will talk about it seeing for the Social Security Disability he will be the one filing that paperwork out.
People with legitimate illnesses get denied every day for social security disability. The worker told me on the phone that documentation is everything. The more medical documentation you have, the more likely you are to be approved for it. I have plenty of documentation, trust me. I have 9 specialists that take care of me.
So here it goes…I’m a little less relieved knowing more information about both systems. I am not proud to have to do this, I wish there was another way. I wish I could work. I wish I didn’t have the diseases that I have. But I do have them and it’s time to stop pretending I don’t need help.
But it will be a good thing. I keep telling myself. I will be home more and able to serve Sir, so that’s always a plus. Just wanted to drop a line and update the people that were concerned about my health and the decisions that I had to make.
Ok, this is going to be a long post, sort of vanilla but it ties in to my D/s life. So I am forewarning you, its girly, but its about an important part of my life. My career.
So since we have decided to have a D/s relationship, the plan has always been for me to eventually to leave my career and stay at home so we can really be a 24/7 D/s couple. Actually that has been the plan before we started to get into D/s. As I have mentioned before I have Lupus and I’ve been diagnosed with it for 3 years. Been in my career for 6, so this happened after I started my career. My career is physically demanding and it is starting to weigh on me…literally, my body isn’t able to keep up anymore. Currently I am off work because my liver enzymes are elevated and my GI doctor has ordered some tests to find out the cause.
My workplace is struggling a little bit because they have 3 people on sick leave right now (not really my fault or my worry). However I do understand their frustration but to pick at me and suggest that I am abusing sick time (I have doctor’s note for every time I am absent for work) is just childish and unfair. I’m so tired of all the politics involved with my job. I’m tired of peoples attitudes towards me because I have a chronic illness. Me and Sir think its time for me to throw in the towel. He doesn’t think I need to put up with the stress that they cause because it is not good for my health. I will have to put up with their discrimination and sideways glances for the rest of my career if I decide to stay. I don’t really know if I can deal with this type of stress and keep my Lupus under control. Ok, so easy decision, right???
Wrong….and here’s why. Its pretty much financial but I’ll break it down for ya…For 6 years I’ve paid into our state retirement system. I am unsure if I retire medically (which I am eligible to do) how much of my retirement I would get. I was trying to make it to my 10 year mark that way I would get my full pension if I retired medically. With only 6 years in the system, I don’t know how much I would get. I know I wouldn’t get medical benefits if I medically retired now. I would still be covered under Sir’s work insurance but with me having a chronic illness, I need as much health insurance as I can get. I also have a couple of direct sales businesses that I could put my full energy in those and make extra money that way. I sell Nerium and Thirty-One.
If I medically retire, I would also be eligible to apply for disability. However you have to be out of work when you apply for disability. So we would have to be able to survive for a while on Sir’s salary and whatever I would get from medical retirement. Can we do that now? I’m unsure right now. Sorry I’m getting into a lot of unsure territory here but this is best venue for me to try to clear my head.
I am unsure how a lot of these things work, so this week I will be looking into all that by calling our state retirement systems to see how a medical retirement works, then I will call the social security disability office to know what I need in order to apply for it as well. I will also be talking to my doctor next week about filing for disability obviously he would have to be on board but I know he will be. He’s been very concerned about me working.
The last 24 hours I have been so stressed out thinking about the options. I have a constant headache, but hopefully everything will work out. I will keep you all updated on the progress.