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Financial Assistance
 MS Discuss :Multiple Sclerosis Discussion Forum :Financial Assistance
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rivernb
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Quote rivernb Replybullet Topic: disability tax credit
    Posted: 19 Jun 2010 at 10:31am
So I filed my taxes thru H&R block a few months before I was diagnosed..I explained to the woman why my signature was so unlike my previous one and that I was in the process of being diagnosed with MS. She gave me a package so that when I was diagnosed I could apply for the benefit. Well the diagnosis came ad I was going to bring it to my dr and see if e wold fill it out. I read thru it and much to my horror I'm not sure I qualify!
For maybe 4 or five months o the year my symptoms can be virtually non existent, except I tire easily. The other 8-4 months I can barely walk straight, at times my vision is all mucked up, etc. I find it difficult to clean my house, do laundry and all the normal things people do.
My dr has been very supportive, I guess all I can do is try. But I am also leary to put him in an uncomfortable position.
I am a single mom, I work full time, 10 hour days sometimes (but less and less lately). I am not tryng to screw anyone over but would just like any extra help I may qualify for. How do people that are "functionately disabled" get arond thia whole thing where the symptoms come and go. I am starting capaxone soon so maybe a lot of my symptoms will go away. Maybe my dr will want to just wait and see. Any thoughts?
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MikeH
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Quote MikeH Replybullet Posted: 07 Jul 2010 at 2:06pm

It surprises me that no one has answered your post yet so I will give it a shot.

The form utilized to claim the disability credit is fairly straightforward in my case it was simple I can't walk case closed. There are other conditions which allow a person to claim the credit and those may not be clear to you so my recommendation would be bring the forms to your doctor and let him or her decide. Based on what you have written there's a good chance the doctor would sign off and approve the credit however only they can make that evaluation. It's certainly worth while and don't feel uncomfortable about asking the question they get asked for more useless stuff all the time.

Good luck

Take Good Care
Michael
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EverRed
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Quote EverRed Replybullet Posted: 08 Jul 2010 at 7:40pm

Hi

Just like MikeH, I didn't reply because I thought someone else with more knowledge would help - I'm also in a wheelchair, can't walk, so it was straightforward for me.
 
I may be wrong, but I seem to remember reading something that said that the MS society had been working on exactly this, and that the rules had changed slightly to take RRMS into consideration? Perhaps look on the MS Society website?
 
Good luck!
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sammee
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Quote sammee Replybullet Posted: 08 Jul 2010 at 7:48pm
Hi rivernb
Sorry, i have been fighting with my MS. I read your post and as soon as I got my daignosis of MS from the Neuro, I applied for the disability tax credit. I have RRMS.    If you have a absolute diagnosis of MS I dont know what the problem is. Call the MS Society, there are people there to help you. Good luck.
worry about tomorrow when it is today, and forget it when it is yesterday
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rivernb
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Quote rivernb Replybullet Posted: 09 Jul 2010 at 7:50am
I definitely have an absolute diagnosis and will be starting copaxone as soon as the financial assistance goes through. Part of me is thinking I should be grateful that I am able to walk, etc. I have missed a limited amount of work (I sit at a computer all day) and I should be thankful. Then again, there are days where I can use the help. I see a naturopath and have been getting acupuncture that seemed to help with the constant stinging in my hands. I have trouble accepting and asking for help, and admitting I need it. When I look at the application tho..it doesn't seem to fit for me. But then there are so many other things..like retirement funds and savings plans that one seems to need the tax credit in order to qualify for.
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sammee
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Quote sammee Replybullet Posted: 09 Jul 2010 at 10:59am
hi again rivernb. I was reluctant to ask for help at first, tooo proud.
Well that change when I flew down my stairs. Tripped on dust I guess or air can do that too. Now, I ask when it is a situation I am not confortable doing alone. I go down the stairs backwards now, slowly. I dont try to carry laundry up or down, little things. As far as the tax credit, you deserve it!!! That is all I have to say about that. Take care.
worry about tomorrow when it is today, and forget it when it is yesterday
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rivernb
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Quote rivernb Replybullet Posted: 09 Jul 2010 at 2:50pm
Hi Sammee, thanks for responding (both times). I'm not sure if it is pride or if it is just me not being sure if I do deserve it. I have missed very little work, basically on the good days I can do everything I always did. Almost. I do still find I handle stairs differently. I feel slight anxiety and have to have a railing to hold onto. When I'm at my worst I have to have a wall to hang onto and have trouble folding clothes etc. My hands feel..like they have been burnt. It's weird..but again..all things I can deal with. Quite small in comparison to what other people deal with every day. I guess at some point I will talk to the MS society and my dr. about it. Won't hurt toi ask I guess.
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Angela
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Quote Angela Replybullet Posted: 29 Aug 2010 at 9:23am

Hi Sammee:  Thank you for being active on this site, I have read many of your messages and have found them helpful.

Obviously I am missing something here.  I guess I classify myself as being stuck between a rock and a hard place when it comes to getting financial assistance.  I am currently working, though down to 4 days a week.  A large part of me wants to keep working so I push myself regardless.  I have a high stress job in Finance with a department that reports to me so I do not have the luxury of  taking it easy and slow when I am at work that in itself means the my quality of life after work basically sucks. Healthy people just don't get it. I am finding that this is no way to live.  Many have suggested that I change jobs, but would you when you have worked somewhere for 23 years have a great benefit plan that pays 100% of my meds?  I know I need to slow down and my best bet would be to get on disability through my workplace insurers but I hit a brick wall when I talked to them.  I need the use of a cane to get around due to my trouble with balance and my stumbling.  I take Rebif so I deal with those side effects as well, Copaxone did nothing for me. Of course the fatigue itself makes it hard to concentrate and focus on the frequent rough days.
 
My insurer figures that since I can get myself to work 4 days a week they do not consider me disabled enough to qualify, yet I read about others who are on disability.  Am I not pushing the insurers enough?  I know if I did not have to work I could rest when I needed to and the symptoms I suffer regularly due to my pushing myself to keep working would be much more manageable.
 
Thanks for listening to my rambling.  I just really don't know where to go from here.  There is more to life then work but for the last year all my energy has gone into working and I am getting fed up and sufferring more depression as I miss out on alot of activities I used to enjoy.
 
So how does one convince an insurer that yes I am disabled, I did not have any trouble getting a handicapped parking pass which leaves me wondering if it is just my insurer not wanting to have to pay the cost of putting me on LTD.  Do I have to wait until I am in a wheelchair, because the way my symptoms are progressing it may soon come to that then what.
 
Angela  
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EverRed
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Quote EverRed Replybullet Posted: 29 Aug 2010 at 3:04pm
You really are between a rock and a hard place and I really feel for you. I too had a high pressure job with people reporting to me, and there are just some jobs that don't reduce in days easily - I found that the more I was away the more stress it was when I came back.
 
The problem with all the LTD is that you have to meet a description of "total disability" or some similar words that they use, and there's usually a definition with it that reads something like you are not able to any part of your job.
 
There's one piece of advice that I have that may not sound very practical. Try not to reduce the number of days you work in a week permanently, because if/when you do get LTD, it will be calculated as a percentage of your last working wage, rather than when you were last full time. That's a really hard thing when you're trying to keep it all together and come up with a solution for you and for work.
 
The people you need on side are your neurologist and family doctor, as they are the people who will fill in the forms that will sent.
 
Very Good Luck.
 
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MikeH
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Quote MikeH Replybullet Posted: 03 Sep 2010 at 12:21pm

Hi,

I can only offer you my experience which will hopefully be of some help. I was also a longtime employee in a management position which was national in scope meaning quite a few direct reports etc. etc.

When I started having symptoms that interfered with the work I was doing I reduced the number of days I worked from 5 to 4 then three days for a year or so until I finally decided it was time for long-term disability. Personally I believe this proved to my insurance company that I was willing to work and I did work for several years until I couldn't the fatigue and all the other symptoms simply made it impossible. The insurance company benefited because they would pay me for the days I didn't work and my employer would pay me for the days I worked, it was a win-win situation for both.

When I decided my time was up my neurologists wrote a letter to the company informing them that due to the progression of MS I could no longer work in any capacity whatsoever. I should also mention that several letters were sent throughout the years indicating the need for a reduced workweek etc. etc. so several letters were sent by the neurologist to the insurance company and the company I worked for. At no time did I contact the insurance company personally quite frankly I was too sick to deal with it and most neurologists who specializes in MS deal with this stuff on a daily basis.

There was no reduction in the amount of funds because I went from five days to four days to three days etc. etc. if you think about it they would need a different insurance policy for every scenario which quite frankly is impossible. I've been on long-term disability now since 2001, each year I usually receive a letter to be completed by the neurologist a hassle nonetheless yet confirmation that I am disabled and can no longer work in any capacity.

Every few years I receive a document which my spouse completes for me and it deals with the activities of daily living. Whenever I complete one of these forms I emphasize what I cannot do and not what I still can do. It makes a big difference

it reinforces how the disease affects you in a negative manner i.e. fatigue, numbness, difficulty dealing with stress whatever but everything in a negative light leaving nothing to chance.

I hope this helps, let your neurologist deal with it they've been there done that!



Edited by MikeH - 03 Sep 2010 at 12:23pm
Take Good Care
Michael
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