Old 06-14-2007, 07:22 PM #1 (permalink)
Extremely Helpful Member
 
Join Date: 2006
Country: HM
Interest: Other
Posts: 5,204
brooksea is on a very distinguished road
brooksea brooksea is offline
Extremely Helpful Member
Join Date: 2006
Country: HM
Interest: Other
Posts: 5,204
brooksea is on a very distinguished road
Angry U.S. Employer & Long Term Disability!

Hi all,

I am posting this in hopes that it may help someone else that is at the beginning of their diagnosis. I will try to stay emotionally neutral as I write this.

If you have a Long Term Disability Insurance policy with your employer, get out the summary of benefits and read it NOW. Get with your HR department and get things in writing, perhaps by email. This will document your trail of contacts made with them.

My husband has been communicating with his HR dept. since Feb. to get the ball rolling on receiving benefits. They've know since 09/06 that he has ALS. In Feb. they had a national sales meeting and honored him twice, one for sales and one for dedication/working with ALS/having to retire. At this time the HR lady spoke to him in person...don't worry I'll take care of everything, etc...He retired 03/30/07.

Long story short- benefits are supposed to start 07/07. Haven't received one document to fill out for physician. HR has avoided our phone calls and lied to me personally about "going to send you an email with forms to fill out"...

Today, his regional manager called and left a msg re: I am sorry, this isn't the way we had planned it...waiting for an answer. Will call you when I find out. Someone dropped the ball.

So, this is what I've found out: Called Insurance Commissioner in our state- they can't do anything. If insurance wasn't being paid they could. But insurance hasn't even been filed for.

They referred me to a federal organization "Employee Benefit Security Admin." As hubby's LTD policy reads, the company has 90 days to file and his waiting period is 90 days. So they can file on day 89 if they want. If they don't file after 90 days they will be in violation of federal law and we will have to call the organization back. And if he didn't have a Roth to fall back on where would we be? We still have to do the paper work and get with the docs.

Just want to let anyone know, so you can really stay on top of HR with LTD policy requirements.

Sorry, wasn't really long story short!

Just had to VENT

CJ
brooksea is offline  
Old 06-14-2007, 10:23 PM #2 (permalink)
Member
 
Join Date: 2006
City: Mableton
State: GA
Country: US
Interest: I have been diagnosed with ALS.
Posts: 108
Rhonda is on a distinguished road
Rhonda Rhonda is offline
Member
Join Date: 2006
City: Mableton
State: GA
Country: US
Interest: I have been diagnosed with ALS.
Posts: 108
Rhonda is on a distinguished road
Default

I understand completely. I left the Post Office in 9/06 and have not received my first check. I actually received the paperwork today telling me how much I would receive. Thank God I had STD that kicked in after 30 days. It's a hassle having to get all the forms filled out. I was having to fill out a form every month for STD and mail it in, I think
when they realized my condition would not get better they quit sending it. I hope things get better for you. Take Care, Rhonda
Rhonda is offline  
Closed Thread

Tags
als, back, ball, diagnosis, disability, insurance, long term disability, story, worry


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Long Term Disability issue.. Yaroslav General Discussion About ALS/MND 10 08-29-2014 04:44 PM
How to apply for long term disability... LeprechaunSean Tips, Tricks, and Gadgets 20 11-28-2013 09:07 PM
Long Term Disability question HG in Houston Newly Diagnosed 18 05-11-2013 08:01 PM
Long Term Disability Insurance Questions kbt9326 General Discussion About ALS/MND 2 11-26-2009 09:32 PM
Long Term Disability and SS deductions brooksea General Discussion About ALS/MND 13 06-25-2009 05:50 PM
LT Disability insurance from employer ptich General Discussion About ALS/MND 7 02-21-2009 06:19 AM
Long Term Disability Insurance Shatzie People With ALS - "PALS" 4 02-22-2008 04:02 PM
Life insurance and long term disability mamaoftwo General Discussion About ALS/MND 14 12-11-2007 04:51 AM
Long term suffering from ALS grp_believes_in_God Current Caregivers (CALS) 9 12-11-2007 04:39 AM
Short and Long Term Disability ptich General Discussion About ALS/MND 9 04-10-2007 09:25 PM


All times are GMT -5. The time now is 11:18 AM.

 

Who we are

"We are a volunteer-driven online community that originated in 2003. We are a resource for anyone affected by ALS and MND. We are a community of like-minded and compassionate individuals. Together we are the ALS Forum and together we build this online resource and online community."

 

Want to help?

Have you found our website helpful? Do you enjoy having a place to talk to people that are knowledgeable about ALS and MND? If you have found it helpful to chat with people at different stages of the ALS/MND journey we encourage you to get involved.

Copyright © 2016