Denial of benefits/coverage and

[Farmer-Rick]

8. Even Social Security slow walks disability payments.

My spouse developed terrible back problems that left them unable to work. Their condition just kept getting worse and worse. And every time we would apply for SocSec disability. We were denied. I think they were hoping we would die or just go away.

The states determine the use of our federal tax dollars on SocSec disability. So, that if you applied in California, you would probably get your disability sooner and their boards are probably more ethical.

But God help you if you apply in a red state. Here in TN you are always, always, always denied at least once.

There are lawyers who's only clients are disability applicants here in TN. If you are denied at first, and you later win, which is what happened to my spouse, you get all that back pay retroactive from when you first filed and they denied your claim.

Now federal law caps how much a lawyer is allowed to take from a lump sum payment if they win the case. But even with that cap, lawyers can make a great living just by filing appeals to TN Social Security disability board because they always, always deny everything at first. Thanks Tennessee.

So, with a great lawyer, we got a lump sum payment that covered 6 years I think. It's been awhile and I think there is a cap on how far back they can look to pay you what you are owed.

So, even Social Security has taken up these unethical practices because they allow the states to make the decision.

And in the end, it is our own money. We pay into Social Security and that covers disability too. To get Social Security disability, someone had to pay into it. Either a parent or the disabled person had to have paid into the program to get anything out of it.

And health insurance is the same way. You pay these insurance corporations and CEOs to deny you services that you have already paid for.

The purpose of insurance is to spread the risk. So if I have major surgery, the 25 other people who don't, cover part of that cost. And when I'm healthy, I cover part of those 25 other people's costs.

But somehow health insurance isn't really insurance anymore. It just became a weird little game of corporations skimming off our money, denying claims as if they paid for our health insurance. IT'S OUR OWN MONEY that they are doling out to us.