"Three years ago I was diagnosed with multiple sclerosis"

My name is Linda Taylor, three years ago I was diagnosed with multiple sclerosis, this is my story:

I fell down the stairs, which broke my tail bone and caused three bulging discs in my lumbar spine. I went to a chiropractor, and a spine physical therapist. Eventually my back stopped hurting, but I was developing trouble walking. When I got hot, my legs would move in a jerky manner and not do exactly what I was telling them, they would bend when I wanted them straight and straighten when I wanted them bent. Also, when I became fatigued, my right leg would drag.

I had more trouble with my right leg than my left, so I thought that I had potentially pinched the sciatic nerve in my right leg. For this reason, I made an appointment with a neurosurgeon. The neurosurgeon ordered an MRI of my lower lumbar spine and pelvis. I did have bulging discs but no pinched sciatic nerve, so they sent me to a physical medicine and rehabilitation physician who performed and electroencephalograph (also known as an EEG). The purpose of the EEG was to check for any precluded (pinched) nerves. An EEG is where the nerves are synthetically stimulated with a small electrical impulse that causes the muscles to move. For example, the doctor touches a specific spot on your body with the electrode, and it should make your bicep muscle contract and your arm move.

The doctor informed me that there were no pinched nerves below my neck. However, she did not stop there; she wanted to know what was really going on with me so she had me do a tight rope type walk, heel-to-toe. That did not go well, I took one step and lost my balance. She also had me try to walk on my toes and on my heels, all were bad. For this reason, she ordered me to have an MRI of my cervical spine (neck), and brain.

The doctor called me within an hour after my MRIs were finished and told me that the neurologist that previously had a three month wait was waiting for my call and would see me whenever I could get there. She told me that there were some significant changes in my neck and brain and that it looked like multiple sclerosis (MS).

I went to the neurologist and got started on a disease modifying drug to control my MS. Unfortunately, the neurologist did not give me any steroids to stop the attack that was now running rampant in my body. Over the course of the next eight months, I went from walking close to normally to barely being able to make into her office with a quad cane and holding onto my husband with the other hand.

"I was no longer able to do my job."

At this point, my employer contacted me and told me that I was no longer capable of doing my job as a field sales rep. I was no longer able to drive, and I couldn't walk well enough to get around a customer's building. Hurtful as it was, it was true that I was no longer able to do my job. I was scared to death that I was just going to be terminated and completely out of luck. I begged my company to allow me to move to a different position where I wouldn't have to travel anymore. I even called a few of the customers with whom I had close relationships to see if I could work for any of them. Fortunately for me, the company that I worked for was a very large international company with offices in more than 22 countries. Because of the size and the nearly 8,000 employees of my company, they carried short-term disability and long-term disability insurance. I had never paid any attention to that portion of my company's benefits packet, because I was a seemingly healthy 27 year old when I took the bad fall that started my downward spiral. Not all companies provide disability insurance for their employees, so I was very fortunate.

At the end of the short-term disability, a representative from the Human Resources department at the company where I had been employed notified me that I was eligible to apply for long-term disability. I looked online for information on what I should do to file for long-term disability, and I couldn't find much useful information for a person in my situation. The insurance company was sending me letters that sounded really great, like they would be willing to send me to school to get training for any job that I wanted, and other kinds of tricky things to get rid of me. There were representatives from the insurance company calling to speak with me about my symptoms. Luckily, I was always very cautious when talking with anyone from the insurance company, because I suspected that they could be trying to trick me into saying something that could diminish my chances of being awarded long-term disability.

After I was finally awarded long-term disability, following several months of going without any type of pay, I was notified by the insurance company that I was required to apply for Social Security Disability or they would stop my benefit payments. This is when the nightmare really started for me. My application for Social Security Disability (SSDI) was denied only ten days after it was submitted, the Social Security Administration did not even wait long enough to receive all of my medical records before they denied my claim. This is not unusual, by the way, roughly 3/4 of all applications are denied the first time they apply. The battle for SSDI benefits went on long enough that my COBRA ran out and I was forced to go on my husband's insurance, which was horrendous. I was and am sick with an expensive illness, and my husband's insurance, through his work, was a high deductible HSA plan. It had a deductible of $10,000 out of pocket before it really covered any medical expenses. Between my medication, doctor bills, and a trip to the emergency room after a bad fall that dislocated my elbow, we had to pay over $5,000 on only my medical bills by March.

"Many nights I cried myself to sleep"

There were many nights when I cried myself to sleep, wondering if the situation would ever get better. My legs had gotten worse and my disease was progressing, and there was no longer any chance of me being able to work, my symptoms varied too wildly for me to be able to attend work on a regular basis.

Finally, after a hard fought struggle and three long years, I was awarded Social Security Disability. My husband and I are just now beginning to climb out of the financial hole that was caused by the medical bills. I was very fortunate to have access to short-term and long-term disability insurance through my job. I can't even imagine what it would be like for someone without these benefits. I realized that, although I can't financially help others in a position like mine, I could save them weeks or months of research by combining all of the knowledge that I have gained through my experience into this ebook.

Are you recently disabled? You need this ebook.

	What is the Americans With Disabilities Act? Do You need a lawyer?
	What is Social Security Disability, and how do you qualify for it?
	What is long-term disability, and who pays for it?
	What is short-term disability, and how long does it last?
	Many other questions, including "What is workers' compensation?" "Do I qualify for Supplemental Security Income?" "What incentives do I have if I am able to return to work?"

	I was injured on the job, through no fault of my own. This ebook really helped me to understand my rights relating to Workman's Compensation and how to ensure that I qualify for all of the benefits that are available to me. Thank you for writing this ebook. Brandon Hernandez Mesa, AZ

	As I was reading your story, Linda,, it was almost as if I was reading about myself. When I was first diagnosed with Parkinsons, I was completely overwhelmed. As my symptom got worse, I, too, needed to apply for Social Security Disability. Not long after starting my research I found your ebook. You saved me an enormous amount of time and energy. The ebook was very precise and right to the point. Reading your ebook relieved a lot of my fears, and with the advice it provided me, I too, was able to be awarded Social Security. Tim Jones Buffalo, NY

	I was paralyzed in a car accident. A friend of mine bought this ebook for me. It was invaluable in helping me to understand my rights as a disabled person and take the steps needed to be awarded Social Security Disability. Mary Johnson Boyette, FL

As you can see, this ebook is already helping many people who suffer from different types of disabilities. Get your copy today, Only $14.99. You won't regret it. If you're not satisfied for any reason, contact us within 60 days for a full refund.

ORDER YOUR COPY FOR $14.99! INSTANT DOWNLOAD. (Pay securly via: ClickBank)

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