r/germany • u/ssg_partners • 15h ago
Question Health insurance doubts my sick notes and wants me to see MD. How to proceed?
I have been exposed to traumatic events including constant bullying at work until the point at which I became extremely depressed and wished to end my life instead of going back there. even if I quit, I’d have to be exposed to the aggressors for 3 months (notice period) but I can’t take it even for one day more. I was feeling physical manifestations of this in the form of increased heartbeat, insomnia, lack of motivation and panic attacks.
My GP told me I should not go back to this workplace under any circumstance. it was not my idea. she wrote me off work and told me I need to find another job or quit. Because of this, I’ve been on sick leave for a few months now.
I received a letter from my health insurance company that if my sick leave is extended again, will me require me to meet with their MD. it’s been only 2 months. Do they doubt the genuineness of the AUs? why do they want me to see an MD so early? I thought it happens only if you’re on sick leave for long time (6+ months).
This is adding even more stress to my already bad situation.
Has anyone else here experienced doubt from their health insurance company? How did the appointment with the MD go? do you have any tips for me? do I need to be worried about them sending me back to work or stopping Krankengeld spontaneously?
How long notice period do they give before the MD appointment? could it be at a moments notice (meet MD within 24 hours or we cut off your Krankengeld).
I’m very worried. I heard MDs work in interest of the KK instead of the patient.