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Approved for LTD!!!

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Old 06-27-2008, 06:20 PM #11
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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.
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Old 06-27-2008, 06:37 PM #12
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Originally Posted by Riverwild View Post
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.
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Old 06-27-2008, 06:52 PM #13
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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!

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!
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Old 06-27-2008, 06:53 PM #14
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Great news! Congratulations.
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Old 06-27-2008, 07:21 PM #15
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Wooo Hooo Kelly!! Way to go! It's great hearing some good news for a change!

SHOPPING!!!!!!!!!!!!!!!!!
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Old 06-27-2008, 07:52 PM #16
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Congratulations!!! That's the best news I've heard all week. Wonderful and what a load off your mind!!!
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Old 06-27-2008, 08:18 PM #17
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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!
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Old 06-27-2008, 09:39 PM #18
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Awesome Kitty!!! Congrats!!!
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Old 06-27-2008, 10:14 PM #19
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I'm so HAPPY for you ! 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 .
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Old 06-27-2008, 10:27 PM #20
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Fantastic news and a big weight off your shoulders! I'm happy for you!
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