After taking six weeks off work due to chronic pain caused by rheumatoid arthritis, I was informed that my employer has terminated my position. I did not have a chance to apply for my long-term disability through my group insurance benefits. Is there anything I can do at this point?
You should insist on being provided with these forms so that you can submit a claim to your disability insurance carrier even though your employment has been terminated. If the disability arose during a period in which you were actively working as an employee, you should still have coverage, as long-term disability coverage is usually based on the initial date of total disability. If you are not getting co-operation from your employer, or they refuse to provide this information to you, you could try to receive the forms directly from the insurance company. If that still doesn't get any results, you should consider contacting us to further discuss your legal options in such circumstances.
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DISABILITY SECRETS: Learn What Your Insurance Company Is Hiding From You!
This searchable database contains information about disability, critical illness and life insurance claims, and what you can do if you are denied or cut
off of your benefits. It is a collection of the most common questions we receive from our clients. General answers have been provided by our lawyers.