Hi.
Has anyone had experience with this and any advice would be appreciated. I took my current job Sept. 6, 2012, signed up for insurances with LTD provided by employer. With the new year, I added a 10% "buy-up" on the LTD insurance which was effective 1/1/13.
The end of January, due to MS issues, I had to go on short term disability. I was told by Leave Manager handling my case I was eligible for both STD and LTD, although not the 10% buy-up as this had a pre-existing clause to it.
Fast forward to now. My STD ends in July and I will not be returning to my job due to the cognitive effects of MS. My Leave Manager told me to expect a call from the LTD Claim Manager in June as well as a packet to fill out and send back to the LTD insurance company.
Today I got the call from the Claim Manager who said based on the start date of my insurance that my MS was considered pre-existing if I had any treatment for it in the preceding 12 months and would not be eligible for LTD. Treatment would include any appointments, medications, consultations, tests, etc. Of course I saw my neuro and of course I am on medication.
Any thoughts or advice out there? Do I get a lawyer or won't that make any difference? I'm at a loss since the company I work(ed) for told me I qualified and the LTD insurance provider says I won't.
Thanks, Sue
Has anyone had experience with this and any advice would be appreciated. I took my current job Sept. 6, 2012, signed up for insurances with LTD provided by employer. With the new year, I added a 10% "buy-up" on the LTD insurance which was effective 1/1/13.
The end of January, due to MS issues, I had to go on short term disability. I was told by Leave Manager handling my case I was eligible for both STD and LTD, although not the 10% buy-up as this had a pre-existing clause to it.
Fast forward to now. My STD ends in July and I will not be returning to my job due to the cognitive effects of MS. My Leave Manager told me to expect a call from the LTD Claim Manager in June as well as a packet to fill out and send back to the LTD insurance company.
Today I got the call from the Claim Manager who said based on the start date of my insurance that my MS was considered pre-existing if I had any treatment for it in the preceding 12 months and would not be eligible for LTD. Treatment would include any appointments, medications, consultations, tests, etc. Of course I saw my neuro and of course I am on medication.
Any thoughts or advice out there? Do I get a lawyer or won't that make any difference? I'm at a loss since the company I work(ed) for told me I qualified and the LTD insurance provider says I won't.
Thanks, Sue
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