I am finally seeing the light at the end of the tunnel, I hope. Injured in PA in 2008 at work, back surgery, collected wage benefits until return to work in 2009. Could only work 3 months, dr took me back out of work and recommended I apply for SSD. I did apply, primarily because WC insurance carrier refused to pay me wage benefits, no reason given, they just wouldn't do it. Even when their IME doc declared me totally unable to work. (amazing)
I am now in the settlement stage of things and collecting SSD. I realize that if I had forced the weekly wage benefits due and collected those, that there would be an offset in my SSD benefits. In my case, it would negate all of my SSD benefits. If that happens, any months that I am not eligible for SSD also do not count toward my Medicare two-year waiting period. This is a huge deal for me, I need that Medicare in February of 2011. I have searched this site and many others and read everything I could find but I'm still missing the information I need.
Is there any way to structure a lump sum settlement so that it does not affect my SSD? If I can avoid that, I can also avoid the Medicare issue. I realize there may have to be a Medicare set-aside also.
Again, thank you so much for being here. I would have, no doubt, made some bad decisions through ignorance if this site was not here.