Hi all,
Thankyou for everyone who responded, Just to let you know, I like most people live paycheck to paycheck, Two years ago I signed up for Aflac Four Polices, short term disability, sickness, cancer, and accident. I am very lucky to have these policies, the sickness paid for sickness and short term disability 6 months, without this I would be living on the street, Aflac has been great I send in a claim and get paid within a week, just like there add says.
The mistake I made was back in July my OS recomended I try PRP & HGH injections before I commit to a TKR, as this is experimental I had to pay out of pocket, my OS said if it was his knee that is what he would do, so I followed his advice and wasted 7 weeks of FMLA, I returned to work in september, and my knee was so bad I could work only 4 hours a day 2 days a week max as pain was thru the roof( the injections worked for two days out of seven weeks ). I had no choice but to have the TKR, I was completley out of options, Hence Surgery, I spoke with my HR dept and they said as long as I keep paying for all my premiums, everything should be ok. which I did, then after the TKR, my HR said I had gone over my limit for FMLA so I have to go on Cobra and pay Aflac directly, then they said if there was an opening I could try to get rehired, I doubt this as they have tried to distance themselves from me. The money I recieve is just enough to cover expences, so I should be grateful because it could be much worse.
Cant look for a job or collect UI, until I can walk and Doc releases me, would appreciiate any comments from anyone who has been thru a similar situation.
Thanks for time,
M