Ok, first the good news: I applied for SSD in the spring and was approved in record time (8 work days).
I will receive my first check in November (for October).
I am 62, so not Medicare eligible.
When do I inform my employer I will not be returning to work? I am appealing my work "benefit" for denial of short and long term disability. As expected, they have been doing everything to delay my appeal/decision.
My employer has me listed as "employed" but I have not worked there in 5 1/2 months.
If they "retire" me, because I am on SSD, and not likely to return, what happens to my private insurance appeal for short and long term disability coverage. I was hoping to get a lump sum settlement, to cover six months of savings I had to burn to replace income, as well as six months of my current medical copay I have kept in "escrow" (about $4,500).
I retained a lawyer at one point but cannot afford to pay him up front anymore to continue. SSD lawyers are paid if application is denied and they win an appeal. Private disability STD/LTD is paid out of pocket.
Questions:
1. Do I call Human Resources and tell them my status? How soon before SSD kicks in do I need to tell them? The current date is 10/15/2015.
2. If I am no longer employed, can the disagreeable private STD/LTD "benefit" appeal be dismissed?
3. If I am no longer employed, does my current health plan immediately end, or default to COBRA?
4. I am looking at health care options through the Affordable Care and NY State of Health sites and prefer tha to COBRA.
Any input to give me direction would help. I have learned the hard way that providing the correct answer to a question, phrased poorly, can cost you a LOT.
thx
memphis slim
I will receive my first check in November (for October).
I am 62, so not Medicare eligible.
When do I inform my employer I will not be returning to work? I am appealing my work "benefit" for denial of short and long term disability. As expected, they have been doing everything to delay my appeal/decision.
My employer has me listed as "employed" but I have not worked there in 5 1/2 months.
If they "retire" me, because I am on SSD, and not likely to return, what happens to my private insurance appeal for short and long term disability coverage. I was hoping to get a lump sum settlement, to cover six months of savings I had to burn to replace income, as well as six months of my current medical copay I have kept in "escrow" (about $4,500).
I retained a lawyer at one point but cannot afford to pay him up front anymore to continue. SSD lawyers are paid if application is denied and they win an appeal. Private disability STD/LTD is paid out of pocket.
Questions:
1. Do I call Human Resources and tell them my status? How soon before SSD kicks in do I need to tell them? The current date is 10/15/2015.
2. If I am no longer employed, can the disagreeable private STD/LTD "benefit" appeal be dismissed?
3. If I am no longer employed, does my current health plan immediately end, or default to COBRA?
4. I am looking at health care options through the Affordable Care and NY State of Health sites and prefer tha to COBRA.
Any input to give me direction would help. I have learned the hard way that providing the correct answer to a question, phrased poorly, can cost you a LOT.
thx
memphis slim
Comment