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-   -   Approved for LTD!!! (https://www.neurotalk.org/multiple-sclerosis/48843-approved-ltd.html)

starfish 06-27-2008 06:20 PM

That's great news. I am sure it makes you feel much better. I had to wait 3 months for mine to kick in too. Are they maintaining your health insurance and if so, for how long? Mine only did for a year.

Kitty 06-27-2008 06:37 PM

Quote:

Originally Posted by Riverwild (Post 310959)
I am so happy to hear that the insurance came through for you. If you can, will you post what insurance company it is and whether YOU or your employer paid the premium?

I have my disability policy through The Hartford Co. and I pay the premium, so I will owe no taxes if and when I ever collect on it. It provides 66.6% of my gross pay each week for STD and LTD and they pay for the lawyer if I need one to get SSDI and I DO have a payback clause. It was all that was offered and that was after 15 years at the same employer! The least they can pay me is $100.00 a week after SSDI goes into effect.

It's the Hartford Co. and my employer paid all the premiums. I really can't complain - there was a 90 day waiting period and it's been just about that. The lady who worked with me was great. I only get 60% of my salary but to me that's wonderful.I receive this for two years. SSDI is in the works and they have already contacted me a couple of times with questions to clarify things on my application. Hopefully it won't take too long to be approved.

I feel like I can breathe now.....I was worried that something would delay things.

Riverwild 06-27-2008 06:52 PM

Quote:

Originally Posted by herekitty1960 (Post 310990)
It's the Hartford Co. and my employer paid all the premiums. I really can't complain - there was a 90 day waiting period and it's been just about that. The lady who worked with me was great. I only get 60% of my salary but to me that's wonderful.I receive this for two years. SSDI is in the works and they have already contacted me a couple of times with questions to clarify things on my application. Hopefully it won't take too long to be approved.

I feel like I can breathe now.....I was worried that something would delay things.


Thanks sooo much Kelly! Now I feel better about having the Hartford!:p

I am just so skeert that something will go wrong if and when I NEED the insurance! Mine went into effect three days before I got my diagnosis! I had only one clinically isolated syndrome at that time and if it wasn't for the eye doc insisting I go for an MRI and to see a neuro I may still have been in limbo now! I disclosed everything I knew at the time and they still insured me!

It was a little scary hearing all the horror stories. I immediately went online and researched cases where the insurance went into effect just before diagnosis and every one of the cases I found indicated that the insured person won! It didn't make me feel any better because I know every case is individual, but just hearing that you were approved helped me and I hope it will help others too!

karousel 06-27-2008 06:53 PM

Great news! Congratulations.

Judy2 06-27-2008 07:21 PM

Wooo Hooo Kelly!! Way to go! It's great hearing some good news for a change!

SHOPPING!!!!!!!!!!!!!!!!! :)

greta 06-27-2008 07:52 PM

Congratulations!!! That's the best news I've heard all week. Wonderful and what a load off your mind!!!

yeahbut 06-27-2008 08:18 PM

kelly, I am so happy for you! I know you have been worried. It took me three long months myself to get mine too when I had mono.

I am happy for you!

BaxterTheBunny 06-27-2008 09:39 PM

Awesome Kitty!!! Congrats!!!

Jodylee 06-27-2008 10:14 PM

I'm so HAPPY for you :D! I have heard (from my LTD case manager) that it's easier to get SSDI once you've been approved for LTD. I hope that happens for you, K :).

PolarExpress 06-27-2008 10:27 PM

Fantastic news and a big weight off your shoulders! I'm happy for you!


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