"Now here's the kicker. The employer, a health care corporation, provides disability insurance. And here's how it works. There's short-term disability and long term disability. Short-term, you get part of your salary and your medical benefits (for 3 months). Next comes long term disability Now what do you think 'long term disability' means? For a health care corporation. It means 15 months! After that, you're terminated. But there's more! Just 3 months into the long term disability, your medical benefits will disappear - unless you pick up the entire cobra amount!
You got that right: A health care corporation cuts off medical benefits for a disabled employee! (unless they can pay for cobra.... maybe from their home equity... if they still had a home... with equity) And ultimately terminates them.
Let's think this through: (A) Stay on your meds. You'll be alive. But you can't work due to side-effects. (B) Go off your meds. And you'll want to die. (C) Stay on meds long enough and you'll lose your health insurance. Then how do you pay for meds? Or your doctor? (D) No meds, you'll want to die again - especially if you contemplate your impossible situation.
This is an impossible situation."
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