With disability insurance restored, health-insurance pays for a wheel chair.

I’m happy.  Although these last few days have been unproductive, in a writing sense, several good things happened this week.

Yesterday, I cashed the check from my disability insurer.  Cigna has decided to honor my policy, after reviewing my functional capacity evaluation.

There was no explanation from them.  No correspondence.  Just a check, arriving in the mail, the night-before-last.  All the money they owed, since December.  (Here is my last post on this saga.)

Even with high-confidence in my case, I carried a low-grade anxiety into this new-year.  I guess that’s natural when no in-come matches my out-go.  Now, I can dismiss that emotion.

For some reason, I anticipated a letter explaining why they chose to make my life difficult.  But, nothing says, we’re sorry, like a check.  I suppose I could call them, to confirm that this will now be honored for the life of the policy.  I don’t want another, bad, surprise from them, next year, or next month.

I also got fitted for my wheel-chair.  Health-insurance will pay for most of it.  The features on my model will be determined by another type of functional evaluation.  Insurance requires justifications for costs.

I had a couple of choices, between manufacturers.  One is Chinese-built for American overlords.  The other is American-made for Swedish overlords.  I chose the Swedish model.  It was recommended as more reliable, with more apparent-thought behind the engineering.

The Chinese-American model left motors, and other moving parts, exposed.  The Swedish-American model has those things largely hidden inside of casings.  Both chairs share the capability of changing postures and heights.  For instance, the seat can rise, so that I can work at my kitchen counter.

The Swedish-seat lifts directly from the base, on a metal rod.  The Chinese-seat lifts with a scissors-jack.

One looked like it was designed by experienced engineers.  The other resembled a lab-project by engineering students.

Some of the capabilities of the chair might be non-functional, depending on what insurance is willing to pay.  A fully-featured electric-chair could cost something on the order of $22,000.  A less-abled model could be as low as $16,000.  I should have new mobility, in roughly a month.

My motivation for it has more to-do with leaving the house, than living within one.  In-home, I still can cope.  But, leaving the house intimidates me now, on most days.  I don’t have confidence that my strength will hold up for these trips.  Mostly, I shop for groceries, or stop at a coffee shop.

I’ll get around by bus.  Between buses, light-rail, and my chair, I can begin enjoying some public spaces again.  I’m anticipating the opportunity, just to visit a place like Mill Avenue, on a nice day.  Right now, I don’t do this anymore.  My life is mostly spent at home, with brief trips to break the day into logical pieces.

And, this past Monday, I met with a doctor I have never met, because social security is still making a decision on whether I am disabled, or not.  I didn’t choose this doctor.  I received a letter instructing me to see him, at 9:30 AM.

I offered them my functional capacity evaluation.  They declined.  Instead, they had me meet with a doctor, who interviewed me, while performing the most-cursory of physical-evaluations.  I think his task is to determine whether my story makes sense.

He has my diagnosis, and my doctors’ notes.  But, a lot has changed in the last year.

The doctor collects fees from SSI, to determine if my condition is truly disabling.  The entire visit took place in about a half-hour.  Although I could see the necessity for some type of verification, SSI’s procedures seemed lacking in credibility.

The low-point of the visit was when the doctor took apart his pen, and asked me to put it back together.  This was the ‘dexterity test’.  He told me to pretend I didn’t see him take it apart.

I wondered whether seeing the pen being broken-down helps my dexterity.  I have been taking pens apart since the second or third grade.  Visualizing, how a pen should be assembled, is more of a cognitive test.

But, I didn’t argue.  SSI needed the results before they can rule me disabled.  And, somehow, assembling a pen speaks to my ability to earn a living, or not, programming computers.  At least, the doctor seems to think so.

These events served to occupy some of my attention.  The better-part of this week, dictated by insurance.

Good thing, too.  I’m fighting my way through an inspiration-drought.  I blame some of this on my condition.  But, if I didn’t have these moments to anticipate, this week would have left me less to say.

2014-01-28

=== 4:36 PM ===

XB

Yeah!  I got the writing table at my favorite coffee shop.  So called, because many write.  Here, over all the other tables.

I should be writing my timeline.  I had discussed it with the guy who evaluated my functional capacity.  Today he reminded me.  My timeline will help fill out his evaluation.

My timeline from my journals.  I have five years.   In them I discuss all my experiences.  Once I realized.

Their value.

Journaling keeps me sane.  I have found.  It works best if I pour my soul.  Lavishly, on the page.

And, that’s what I did.  Starting before it ever occurred to me.  Maybe I should discuss what I notice with my doctor?  The notion was vague, that the state of ship was amiss.

They cover everything from my thoughts on life and death, to the detail of each day playing out.  The ones worth remembering.

When I started using my cane.  How I thought.  Still.  That it wouldn’t get too bad.

Too soon.  It got worse.  And I discussed everything, from why I plopped onto the couch and fell asleep, right after work, to the pain that woke me in the middle of the night.  What else to do when I can’t sleep, but write?

And these journals also describe the sick days I took.  They agree with my former employer’s records.  How I never took many sick days until the last two years.  And how they grew in frequency.  And why.

I also have to write a cover letter for the evaluation report.  To the bureaucrats of the insurancy.  I want to make myself perfectly clear.

Don’t contest this any further.  You will lose.  You have no valid arguments regarding my case.

That’s essentially what it is.  Right?  Will my case stand up in a court of law?  That’s gotta be how they evaluate each one.  If we drop him, with the evidence we have seen so far, will the lawyers win?

In a suit?

So, my cover-letter needs to detail all of the evidence I have.  Just to be perfectly clear.  They will not!

It was the insight that allowed me to stop worrying about the situation.  My weakness is the strength of my case.

I need to spell it out, in my own unique way.  Because I am not merely providing the insurancy my evidence.  I am telling them how to see it.  Without ever stating my intentions directly.

I want the power of language.  Spoken.  Honestly to paint.  A picture in their minds.

I want them to see it.  From my position, they lose.

In a court of law, they have no case.  They will see it.

When I crush their collective will.

2014-01-05

Last night I went to dinner three friends.  They were arguing that my belief, insurance companies are populated with human beings, is wrong.  And, I failed to ask them.  But I should.

Have they enjoyed their segment of conspiratorial thought?

How else could I justify my opinion?  I haven’t had any actual experiences to back up my belief.

Their voices swirled in my head as I lay myself to sleep.  I had become fearful.

Probably wasn’t thinking as much as feeling.   Subterranean embers still glowed deep beneath the cool of the evening crust.

Bad experiences remembered.  Insurance stories related.  Wrapped in a pleasant visit.

So, who’s crazy?  Me?  Or the three of them?  I guess we will see which of these two notions crystalizes in the coming weeks.

This is my first fearful experience with an insurance company.  Fearful, because my survival depends on it.  Or, at least, the quality it all.

And yet.  People do survive for a time in the gutter.  Who says I couldn’t?

Besides my common sense?

And which opinion is true?  The one based in fear?  Or the one built firmly on the calmness of knowing?

I am right.  This is an epistemology course for disabled people fighting insurance industry brutality.

Brutality? First person?

Present!  Because fighting this burns.  My daily allotment of fuel for focused mental energy has shrunk quite small.

Don’t know if my tiny budget for laser thinking is a brake on my mind, or my body, or both.  It could be any combination of the three.

Keep positive.  Gonna need it.

If my friends are right.  And because life is more enjoyable not dragging baggage everywhere.

Four and-a-half years ago I pulled a trailer of cargo on my bike to a writing retreat.

In Tucson.  End of May, the temps hover somewhere above that third digit.

One hundred miles.  One day.  That was easier then.

Because.  Retaining bad emotions exhaust me now.  Is this physical?  Or an enlightened state just before sleep?

Last night before sleep I was one.  Against three.  Both times in our thoughts.

The insurance industry and God.  Three believers and one form of dissent.  A good conversation.  And, an effective segue for next time.

God.

Well.  That’s it.  My budget spent.  I won’t work on my letter to the un-named insurance company.   Appealing their decision to stop paying my disability allowance.  Instead, I need.

Rest.