I am potentially switching jobs because I am miserable at my current job and have been offered a much less stressful position elsewhere. Unfortunately the company is smaller and doesn't offer disability insurance. At my current job I was out 2 years ago for 3 months and disability insurance was a lifesaver but I also think that now that I've been healthy for 2 continuous years I may never need disability again. I have had a J Pouch since 2014 but didn't actually begin to feel healthy and without fistulas/abscesses/etc until January 2018. I believe all of those complications were actually considered secondary to the surgery.
The big question is: do I stay at a job where I'm miserable on a daily basis in order to maintain my disability insurance, or do I take the risk at a different employer without it? Unfortunately I can't qualify for disability on my own without the "exclusion of anything related to the gastrointestinal system" notice.
I figure if I'm out for surgery the whole complication setup won't ever go longer than 2-3 months right? Then I could just have an emergency fund saved up I suppose. Has anyone with a J Pouch ended up on permanent disability or long-term disability?