Are They Checking Up On You?....You Better Believe It!
By Jimmy Apple
Anyone who has ever been on Workers Comp, short term disability, and or long term disability has heard all of the horror stories about insurance companies checking up on
people claiming to be hurt. Some folks say that's nonsense; insurance companies are too big to worry about one person. Others say it's just an urban legend. Still others will
tell you how no one ever checked on them and they did whatever they wanted. Well, that last group is wrong on two fronts: (1) If its true that they collected any kind of disability
compensation when not hurt, they committed a serious crime, and/or (2) They lied to you! Insurance companies have investigators on payroll, not because they like them but to
check on those trying to defraud the companies by faking disabilities. One of the best cases of this that I ever saw was an incident shown on TV where this guy limps out of his
house with a cane, gets into his car, struggles to maneuver the car out of its space and drives off; all the time an investigator trailing him. The driver parks in a lot for a gym. The
camera follows this poor "disabled" jerk as he runs into the gym because he was late for his Kick Boxing Class...all caught on camera!! Yes, he was prosecuted!
If you are truly injured, you have absolutely nothing to be concerned about. If you are faking, you not only have to worry about the insurance investigating, but you never know
who will call and turn you in. Believe it or not, the majority of people are good, law abiding and don't turn a blind eye to a crime being committed. Insurance fraud is a crime!
Now, for those receiving Social Security Disability, don't be surprised if you get a notice from them, in the mail, saying that they need you to fill out a form to determine if you're
still disabled. Don't faint! Don't develop an ulcer over this! Everyone receiving disability benefits receive this form periodically. Failing to fill out this form could stop your benefits.
As soon as you get it, fill it out and send it back. You are not receiving this questionnaire because someone doubts you are really disabled, it is being used to update records and
see if possibly you qualify for programs that might help you get back to work. Again if you telling the truth you have nothing to worry about, either you will continue to receive
benefitsor you will receive more benefits which can help you to return to work and at least make the same money that you were making if not more!! Either way filling out that form
is a win - win situation. The only way you can loose is if you don't comply with the information request! The only people who need to worry about this form are those who are lying.
I wish someone would have told me about this in the beginning. Not knowing about this had me worrying what was happening when I received it the first time.
Relax and feel better! Remember what your parents always said...as long as you tell the truth, you have nothing to worry about!
Remember When You Asked If You Could Do Something? If You Really Meant It...
By Jimmy Apple (May 2017)
Do you remember when you first got hurt how family and friends were quick to say "If there is anything I can do, just let me know".
I believe, in most cases, that statement is in the same category as greetings like: "How Are You?"..."What's New?"... "How've You
Been?" and so on. Nobody really gives a flying fart when they greet with those lines, they are simply being friendly and polite. And
you know that because you do the same thing! The same is true when people visit you in the hospital. When they are leaving, a regular
"good bye" line is, "Take care of yourself and Let Me Know If There Is Anything I Can Do". Deep down, they don't expect to hear
from you and saying it helps them feel better about leaving.
Truth be told, I don't like to ask anyone to do anything for me. I don't say that in a mean, or nasty, sense. I don't mind when people
ask me to do something, in fact, people usually don't have to ask, I simply do it. That said, I hate to ask some one to do something for
me because I feel like I'm being a burden. By the same token, I've always expected people to act the same as I do. In other words, don"t
wait to be asked, just do it. Over the years, I've found that people who think that way are few and far between.
I wish people wouldn't wait to be asked for help is when I have to go into the hospital for surgery. I would appreciate it greatly if
someone would be so kind as to wait with my wife while I'm in the operating room. Have you ever had to be in a waiting room while a
loved one is being operated on? The time passes so slowly and this gives your mind plenty of time to worry about the most extreme things
that could happen. And worse yet, what if one of those things do happen? Each time I go into the hospital and my wife is alone in the
waiting room, I am as worried about my wife as she is of me.
So, family and friends, if you really want to know if there is something you can do, there is. Please give some moral support to our
spouses, parents, significant others etc... during these nerve wracking times. You'll really be helping us out greatly!
Disability Sucks! So, why are there people who think those on disability are on
some sort of Vacation?
By Jimmy Apple
Anyone who is actually disabled is sure of one thing; being disabled sucks! Why anyone would fake a disability is beyond me. What do they find
attractive about it? Could it be that they can be home while other people get up and go to work? Could it be the below minimum wage workers comp
benefits? How about the poverty level disability payments? It must be all of the fun and excitement of trying to juggle all of your bills, and such, on a
fixed income, right? Or, could it just be that they are lazy bastards who think being on disability is some sort of picnic or vacation?
Don't get me wrong, every person who is truly disabled is thankful for the workers comp and/or disability payments they receive. It's hard and takes
some time to get used to being on a fixed income, but at the same time it does help knowing at he very least you can keep a roof over your head. It
takes a huge lifestyle adjustment to get by and unfortunately, you loose some of the luxuries that you took for granted, such as premium cable
programming, going out to dinner, going to movies, going to clubs, buying what you want when you want. An advantage, I guess, is that you do
become a more conscientious grocery shopper. You look for sales and specials and impulse purchases become a thing of the past. And, add to this
the fact that you have to pay your share on prescriptions and doctor visits and transportation to and from the doctor. Just what in the heck makes
being disabled so attractive to some people?
Someone once told me that I've got the world by the balls. I'm getting paid to stay home. When I explained that I'm not getting paid to stay home but
receiving insurance payments to help me survive with a life altering disability, their response was that they wouldn't mind being on disability. My first
thought is they are put of their mind. And their response to me is they wouldn't be struggling because they would get a job off the books. WHAT???? I
told the,m if they could get a job off the books, then they can get a job on the books and go on with their life. It was like talking to the wall. This person
told me that they wouldn't mind getting disability and staying home. I told them that I would trade with them anytime they'd like as long as they also take
my disability as well as all of the pain and physical restrictions that goes with it. That's where they draw the line. It's just a case of the grass is always
greener on the other side of the fence.
The truth of the matter is, these fakers make it harder on those who are truly disabled. Those with disabilities are made to jump through hoops and
often get denied for disability a couple of times before finally getting approved for their benefits. This because the Social Security administration so
overworked trying to vet out the liars and fakes looking for "free money". These thieves are putting a on the resources so much so that it affects those
who really depend on the system to survive. I say "thieves" because that is exactly what they are. Making false applications and receiving unjustified
benefits is a crime!
Don't insult the disabled by trivializing the unfortunate position we find ourselves in, through no fault of pour own and depleting the resources we
depend on because you are lazy and looking for what you think is "free money". Committing insurance fraud and/or defrauding the Department of
Social Security Disability is not a victim less crime. It makes every person who is truly disabled a victim of your crime.
Caregivers: The Drill Instructors Of The Medical World!
By Jimmy Apple
Caregiver: A person who attends to the needs of the disabled person.
Whether we like to admit it or not, when we become disabled we do need someone to help us. Usually, in the beginning, we
need them the most. Becoming disabled is life changing overnight. We don't have the luxury of preparing for it, learning the
ins and outs and like the old saying goes...Two heads are better than one! Depending on the disability, you may need help
with everyday things that you once took for granted such as; Dressing yourself, bathing, shaving, tying your shoes,
standing, walking, seeing, hearing, cooking, eating, cleaning and so on.
Physical Therapy: Treatment of an injury through physical methods such as massage, heat therapy and exercise instead of
Occupational Therapy: A form of therapy for those recovering from a mental or physical illness that encourages rehabilitation
through the performances o activities in daily life.
Once your disability begins to stabilize medically, you begin rehabilitation, you begin Physical Therapy. Speaking from
experience, this can be grueling at times, especially in the beginning. The first time I started with physical therapy, it was three
one hour sessions a week and homework to do on the days that I wasn't scheduled. For person observing, the exercises being
done aren't the most difficult in the world, in fact it may seem to them as frivolous. For the disabled, the difficulty is working
through the pain but eventually you succeed and level out. Occupational Therapy works on your day to day skills, as minor as
pouring a glass of water, to making a pot of coffee, to cooking and preparing a meal, to physical hygiene, to dressing yourself.
This is meant to get you back to functioning as much as possible as before the disability. Naturally, being disabled, you are
going to have limits and the therapy will teach you how to work through them or accept the disability. It comes back to
knowing and accepting our limits.
There are two types of caregivers:
A- The one who will feel you will never be able to care for yourself again and takes it as her calling to do it for you.
B- The one who believes you are milking the disability to get others to wait on you hand and foot and they are
going to get you off your ass and make you do it all yourself.
They are both wonderful people and only want the best for you. They see their way of doing things as the best course of
action to care for you. The truth of the matter is, they are both extreme; they mean well, but are extreme. When it comes
to advancing as a disabled person, no one can tell you what your limits are or aren't except for you. The therapists give
you the tools to work with but it is up to you to do the work. Having a caregiver who tells you, "I'll do that for you, you just
back and relax" or the other who says, "Get off your lazy ass and do this yourself. What do I look like your slave?" is not
helpful and/or safe for you. The one who wants you to do nothing, while trying to be nice, is actually hurting you. There are
things that you must practice because of your disability and through therapy you have been taught how. By not using
what you have learned, you end up loosing or at the very least weakening the skills you have learned and putting more limits
on you than what already exists. The second one, you know the one who believes you are milking this situation and
thinks you need to get off your ass, is just as dangerous but on the other side of the spectrum. He/she believes that
you are actually more advanced than the therapist believes and you know. Unknowingly, this caregiver is pushing you
into a situation that can possibly hurt you or worse, physically and mentally.
It is up to you to know what you can or can't do. It is up to you to know your limits and communicate them to your
caregiver. Don't be embarrassed to admit you can't do something or ask for help when needed. And again, I am sure
your current caregiver want nothing but the best for you, but if they can't respect your abilities and your limits, then it
might be time to seek out someone who does. But always remember to respect those who are willing to help you through
these difficult times. They mean well!
Don't Lose Your Identity -- Don't Become Invisible
By Jimmy Apple
It's not odd to feel like we aren't able to produce as much as we used to and feel like we aren't bringing as much to the
table as we should, but just because you may feel this way, it doesn't make it correct. If you give off that vibe enough, not
intentionally, people around you will pick up on it. Not just strangers but friends and family as well.
Has this ever happened to you? The week goes by and on Friday, your spouse comes to you and says, "We have to leave
here tomorrow by ten o'clock. And you ask why? Then your told that there is a party at your in-laws house and we are going.
You wonder why op one asked you if you wanted to go or if you had other plans and the answer is, "Why? What do you
have to do?"
Don't let others make plans for you and likewise, don't make plans for them. Demand, though, that you are asked before any-
one makes plans including you. Don't be afraid to say no to something if you have other plans or you simply don't feel up to,
or like, going. You may be disabled but you are still a person and still an adult who is deserving of respect. Don't let anyone,
friend or family, disrespect you or your opinion. As well, extend the same to others. You must give respect to get respect.
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