Hi Pat: I can only explain how it worked for me. I was working when I got diagnosed with the CML. I was doing the old fashioned Interferon shots everyday with the Ara-C shots 2 weeks a month along with the Interferon. I could not function anymore, and I was put on temporary disability. Then they were pushing me for the BMT, therefore, I ended up on Permanent Disability. Then I was in the clinical trial for the Gleevec, and then everything else just piled up with my health issues. When I got the Permanent Disability I could have picked-up Medicare for insurance, but I was under my husbands insurance. So I got my Disability, but my husbands insurance pays for all my medical needs. Now when he retires, I will have to pick up the Medicare. I dread that when I see that they do not pay much of anything. I never had insurance with my job. I was always on my husbands plan, and still am.
The other thing is that when you go on Temporary Disability, you also fill out all the forms for the Permanent in case it goes to Permanent. This way it just moves right into the Permanent. I never thought I would go on Permanent Disability, and never filled out the other forms. I had a waiting period after I was approved for my Permanent Disability because of not doing the forms. I had no income from me for months, and we were just struggling along with my husbands income until it all got resolved.
Everybody has a different situation. If you have a job with benefits, then you are covered well your on the Temporary Disability which I think was 16 weeks. Its been so long I do not remember.
Someone else may have more information that is up to date. Hope I did not confuse you even more.