|
how do i file for short term disability thru my job?
I don't understand this disability stuff. I have been paying for LTD for 20 years thru my job in case I would need it. I just had open heart surgery and need the disability income now. I have already submitted a report to my HR dept that I can't work. How do i get my disability?!?
[ ]
Want to answer more questions in the Work & School category?
Maybe give some free advice about: Personal Finance?
Dear Mr Paying for LTD:
Don't count on the HR department to apply for your Social Security Disability Benefits which you are also entitled to. You can do it here:
[Link](Mouse over link to see full location)
The HR department should file for your LTD. I'd ask for a copy of the policy and find the carriers website, so that you can keep on top of it. Wishing you the best.
Sincerely, Grandfather.
]
You have done the right thing by filing with your HR Department. You need to stay on them as they file the initial claim and then you should be contacted by the carrier. Most HR departments don't know much about insurance and claims. Most likely the contacted their agent. That's were the ball gets dropped.
Call the head of your HR Department and ask where your claim is and who the insurance carrier is that will be paying your disability. Ask for the adjusters name and phone number. This is all information you are entitled to.
If you work for a large corporation with many offices contact the corporate HR Department. You will get you disability back dated to the date of you claim less any vacation you had to take before the disability kicked in. Your company will have to send you that vacation pay.
When my wife was stricken with breast cancer and I need answers I did not let the HR department sit on there butts or give me the run around. The president of the company said he had an open door policy and I burned up the internet with emails every time his HR department failed to act in a timely manor. Finally the VP of the HR Department contacted me with her private cell phone and email address asking me to stop going to the company president to contact her directly.
Understand something about todays employees. They are not like you or the people who were working when you came into the job market. Today's employee does not see the emergency since it is not their emergency. So they will get to it when they get "around to it." You need to provide the "round to it" by being the squeaky wheel pain in the butt.
Since you are recovering from open heart surgery I would suggest you not aggravate yourself with this. Either have a family member deal with it or contact an attorney to help. I suggest an attorney, nothing builds a fire like a letter from an attorney demanding they show cause as to why they are stalling or legal action will be taken. You do not need the stress or aggravation entailed with getting your company to move on this.
]
More Questions: |