As my specialty is Medicare and not individual health insurance I have some serious personal questions regarding my wife and am turning to my fellow professionals.
My wife has officially been diagnosed with ankylosing spondylitis and Fibromyalgia. She has a full time job with benefits. Both of her physical conditions should qualify her for disability. With both conditions she would not qualify for ind health insurance until 2014 when health care reform kicks in.
I am looking for suggestions or seeing if I am missing any options. She could quit her job know and go on COBRA till 2014. Loss of income between benefits and her wages are probably a net of $3500. The Utah risk pool is not a good option as we live 4 hours from network providers. From what I understand she has a 1 year wait after she quits her job before she can qualify for disability and another 24 months before she can go on Medicare. My business continues to grow but loosing a net $3500 would still be tough. Any ideas how to make this less painful or speed this process up?
Thanks in advance for any suggestions. I have been so busy with AEP I unfortunately have not really had time to think this through.
My wife has officially been diagnosed with ankylosing spondylitis and Fibromyalgia. She has a full time job with benefits. Both of her physical conditions should qualify her for disability. With both conditions she would not qualify for ind health insurance until 2014 when health care reform kicks in.
I am looking for suggestions or seeing if I am missing any options. She could quit her job know and go on COBRA till 2014. Loss of income between benefits and her wages are probably a net of $3500. The Utah risk pool is not a good option as we live 4 hours from network providers. From what I understand she has a 1 year wait after she quits her job before she can qualify for disability and another 24 months before she can go on Medicare. My business continues to grow but loosing a net $3500 would still be tough. Any ideas how to make this less painful or speed this process up?
Thanks in advance for any suggestions. I have been so busy with AEP I unfortunately have not really had time to think this through.