Thanks for replying, sorry you are having trouble with your hands and typing I understand the difficulty, I have RSD in both hands.
The STD & LTD benefits were 100% employer paid, so no, I did not pay into them. We didn't qualify for FMLA because we were under 50 employees. I was the HR Manager (Financial & HR Manager to be exact). I was a one person department. I was the benefit administrator too. I filled out the disability paperwork and my boss signed it. After that, she was the employer contact on my claim. I made sure everything was covered, all waiting periods met, etc. The benefit was for 60% of my salary. What I will receive from SSD is about 35%. They approved one week of STD? Why only one week, where is the rationale behind that??
We would have paid the $4000 if the atty sounded more promising. My husband asked him the odds in beating the insurance company...he said eh, 50/50...$4000 is an expensive gamble.
Glad you got your STD and it transitioned to LTD. I read our plan documents and our carrier required the applying for SSD as soon as LTD begins. I got SSD right away, so that would cut down the LTD payments and they still deny me.
I started searching online this afternoon about Lincoln Financial Group's disability claims...it appears the denials are the way they do business! So frustrating!
Nanc