Hi, my name is Derek.

In February, I had an accident where I fell and hurt my shoulder. I've been on short-term disability, but it didn't start right away and at first only lasted 2 months. When I tried to extend it, they took their time to the point I'm owed about 2 months' pay.

I've temporarily lost my insurance coverage due to not having the money to pay my insurance while waiting for my extension. Now, that's looking like it may be on hold due to my insurance being on hold, so I may be stuck in limbo until I can pay my insurance. No thanks to New York Life and United Healthcare.

Please, if you can help, it'll be greatly appreciated. I can't do anything at the moment since I just had surgery.

So to summarize, I may be stuck in limbo right after surgery due to newyork not paying on time and then united healthcare canceling until payment.

And I still have rehab and everything else to still do, plus rent and everything else that life comes with..