Topic: Question about short term disability

Forum: Employment, Insurance, and Other Financial Issues — Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: Jan 9, 2017 09:55AM

Posted on: Jan 9, 2017 09:55AM

Suezie23 wrote:


I am considering prophylactic bilateral Mastectomy with immediate BR (I am BRCA 2 positive)

I currently do not have short term disability insurance through my employer. Does anybody know if I can obtain a short term disability insurance plan even though I am BRCA 2 positive? How would I go about that? Is short term disability offered through private companies or is this something that is a government plan? I am very confused with all of this and have a really hard time trying to do research online.

Any advice is greatly appreciated. Thank you!

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Jan 9, 2017 10:27AM ml143333 wrote:

Most likely you will not be able to get short term disability insurance with a diagnosis of cancer, but not sure about being BRCA 2 positive. My short term and long term disability insurance are provided through my employer, but I'm sure there are plans, like medical insurance that are private. AFLAC is a well known disability plan.

Research on the internet and try.

Mandy Dx 7/11/2014, IDC, Right, 1cm, Stage IA, Grade 3, 0/1 nodes, ER+/PR+, HER2-, Surgery 8/27/2014 Mastectomy: Right; Prophylactic mastectomy: Left; Reconstruction (left); Reconstruction (right) Chemotherapy 10/17/2014 CMF
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Jan 9, 2017 11:05AM Goincrzy8 wrote:

If you try for AFLAC you cant already have a dx, I think if I remember correctly you have to have it a year before you can claim for a benefit. This would be a pre=existing so probalby not with short term.

I am not sick, I have a few bad cells Dx 10/18/2016, IDC, Left, Grade 2, 12/12 nodes, ER+/PR+, HER2- Surgery 12/9/2016 Mastectomy: Left
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Jan 13, 2017 02:42PM Skytrain1 wrote:

i am a government employee denied short term then longvterm. got a lawyer who is assisting me with stage 2, 26 lymphnodes removes, 2 lymphnodes positive. when you go through chemonyou have what is called, fatigue, memory fog. with the other symptoms and any other medical past hx. the deny you, then a doctor goes through you record and reviews it more thorough. appy for disability social security.

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Jan 16, 2017 08:00PM pajim wrote:

Suezie, Short-term disability is always through the employer. There isn't a government plan or anything like that.

what does your employer do if someone is out for a protracted illness? Say someone broke their leg or was in a car accident? Sometimes companies self-insure for short-term disability (mine does).

You're looking for whatever they do in the instances I described above.

That said, if you're simply having a mastectomy (no recon), you won't be out much more than a week. Reconstruction is another thing altogether. I gather that's a month at home.

Dx 4/20/2008, IDC, Right, 4cm, Stage IIIA, Grade 2, 1/15 nodes, ER+/PR+, HER2- Dx 2/1/2013, IDC, Stage IV, metastasized to bone, mets, ER+/PR+, HER2- Hormonal Therapy 2/27/2013 Femara (letrozole) Hormonal Therapy 4/22/2013 Faslodex (fulvestrant) Targeted Therapy 2/25/2016 Ibrance (palbociclib) Chemotherapy 6/19/2017 Xeloda (capecitabine) Targeted Therapy 8/15/2018 Verzenio Chemotherapy 1/2/2019 Halaven (eribulin) Chemotherapy 12/30/2019 CMF
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Jan 16, 2017 08:11PM specialk wrote:

You actually can purchase short term disability as an individual, not just through your place of employment. Mutual of Omaha and State Farm offer individual policies, but they may come with a need to be in place for a period of time before use - i.e., you can't purchase coverage and then immediately file for it, and may come with some restrictions regarding pre-existing conditions.

BMX w/ TE 11/1/10, ALND 12/6/10. 16 additional surgeries. TCHx6 2/17-6/2/11. Herceptin until 1/19/12. Femara 8/1/11, Arimidex 6/20/12, back to Femara 2013-2018. Dx 9/27/2010, IDC, Right, 2cm, Stage IIB, Grade 3, 2/14 nodes, ER+/PR+, HER2+, IHC
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Jan 16, 2017 09:05PM minustwo wrote:

pajim - I was out about 2 weeks with a double mastectomy. The reconstruction/exchange was a snap. I was driving in 3 days.

2/15/11 BMX-DCIS 2SNB clear-TEs; 9/15/11-410gummies; 3/20/13 recurrance-5.5cm,mets to lymphs, Stage IIIB IDC ER/PRneg,HER2+; TCH/Perjeta/Neulasta x6; ALND 9/24/13 1/18 nodes 4.5cm; AC chemo 10/30/13 x3; herceptin again; Rads Feb2014
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Jan 28, 2017 09:00PM gardengypsy wrote:

You won't be out much more than a week for a mastectomy? It's a "snap"??

I was told at least 3- 4 weeks by my Dana Farber surgeon.

What kind of world do we live in where we lose a freaking BREAST and people tell us we go back to work in a week? I understand that a few of us might feel well enough to go back, but that's highly, highly unusual. You aren't supposed to drive until you have full range of motion and the drains themselves are in for at least 10 days!

Surgery 12/3/2015 Lymph node removal; Mastectomy; Reconstruction (Left): Tissue Expander Chemotherapy 1/9/2016 AC + T (Taxol) Surgery 5/23/2016 Hormonal Therapy 5/28/2016 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Radiation Therapy 6/6/2016 Whole breast: Breast, Lymph nodes, Chest wall Dx 2/2021, Other, Stage IV, metastasized to other, ER+/PR+, HER2- Targeted Therapy Verzenio
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Feb 20, 2017 04:00PM Suezie23 wrote:

I agree with everything you said 100%

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