Welcome to Phoenix Rising!
Created in 2008, Phoenix Rising is the largest and oldest forum dedicated to furthering the understanding of, and finding treatments for, complex chronic illnesses such as chronic fatigue syndrome (ME/CFS), fibromyalgia, long COVID, postural orthostatic tachycardia syndrome (POTS), mast cell activation syndrome (MCAS), and allied diseases.
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My LTD policy pays out 60% of the salary I received prior to my disability. This income is not taxed so my LTD monthly benefit is similar to what I was earning when I was healthy. In other words…if you can work at any job that pays equivalent to what we are paying, you are no longer eligible. This is fair to me. However, this is so often used as an opportunity to cut off benefits. One thing I learned is that many times companies provide their employees a summarized copy of the LTD policy. I had to request the full policy, this is where I learned all the things that could dramatically effect me. My trouble came at the 24 month point. They canceled me stating I was no longer disabled. If you have any issues at that point please reach out!! I’m happy to assist any way I can. How often does your insurance company contact you for paperwork?
I have been asked for updated paperwork for the six month period after I finalized my appeal submissions. Bot sure if this means every 6 months will be the norm...
Metlife is my carrier for LTD. It started in 2013 and canceled in 2015 by them. 6 month appeal and was reinstated with 6 months of lost monthly benefits. At this time they request documents from me once a year. I was curious how often paperwork was requested from others on LTD.
So, I reread parts of the handbook that discusses health insurance. I currently have coverage through my husband. It sounds like no matter how expensive COBRA is, I should pay it, so I have continuous coverage and hopefully, preexisting conditions won't apply with my next insurer?
Believe it or not, I stumbled on the idea I might have actually have ME/CFS when looking up if other people with adult onset EBV infection tend to stop work temporarily but somehow return to work: