It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Health Insurance Issues Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 04-13-2009, 02:34 PM   #1
Registered User
(female)
 
Join Date: Apr 2009
Location: conroe,tx
Posts: 1
regina riddle HB User
how do i get metlife to pay my short term disability

how do i get metlife to pay my short term disability

 
Old 04-13-2009, 10:58 PM   #2
Facilitator
(female)
 
SpineAZ's Avatar
 
Join Date: Oct 2005
Location: Wisconsin
Posts: 5,097
SpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB UserSpineAZ HB User
Re: how do i get metlife to pay my short term disability

Short Term Disability (STD) is based on the person's inability to do their job due to physical or mental disability (or a combination thereof).

Many factors come into play as Met sells thousands of different STD policies, depending on what the purchaser (the employer) seeks to buy

(1) There is a benefit waiting period before benefits begin. Sometimes as few as 0-3 days during which you must be disabled or up to 30 days. You must remain fully disabled during this time.

(2) The treating physicians will have to provide objective medical information to support that you are unable to do your job. Not just a diagnosis and return to work date but solid evidence. So this differs for someone who is a truck driver and can't drive with a broken ankle vs. a sedentary job where perhaps someone can do their job while recovering.

(3) Every insurance company uses medical duration guidelines to judge how long they estimate you will need to be on STD. For example, again using a broken ankle as an example, the guideline may show that for a Heavy job the expected duration is 60-90 days for a closed fracture (I'm just guessing here - it's been a while since I worked on claims myself) and maybe 120 days for an open reduced fracture. But for a sedentary job like a receptionist the duration may be more like 15-20 days for a closed fracture and 20-45 days for an open reduced fracture. ** All of these are estimates, and if a physician can provide proof that it must go beyond this period, benefits can often be extended, but solid proof must be provided (i.e. infection, additional surgery needed, etc)

Be sure to get a copy of the exact STD policy under which you are covered and look for the
(1) Benefit Waiting Period (aka Elimination Period)
(2) Benefit amount (usually a % of your pay - commonly 50-60%)
(3) Max duration payable (no matter how disabled coverage may be 3mo or 6 mo)

If you think you will be out an extended time period see if your employer provides Long Term Disability (LTD).
__________________
Rt&Lt thumb arthroplasty 2012 ; RT TKR & Bilat CTS 2011
Fusions: L5-S1 (87), L4-S1 (93), C5-C7 ('06), L3-S1 ('10)
C5-C7 foraminotomy 08

Last edited by SpineAZ; 04-13-2009 at 10:58 PM.

 
Sponsors Lightbulb
   
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
Long term disability approved by Metlife- Employer asking job accomodation Q-naire ? rkmgkm Disabilities 13 04-14-2010 07:36 AM
Is Adrenal Insufficiency severe enough to warrant Short-Term Disability leave @ work? TheAntiEndo Addison's Disease 45 01-01-2009 12:56 PM
Terminated in midst of short-term disability leave TheEbolaVirus Depression 12 06-27-2008 02:40 PM
short-term disability delem Foot & Ankle Problems 6 12-08-2007 09:44 AM
Short Term Disability muller007 Multiple Sclerosis 12 11-20-2007 03:01 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Join Our Newsletter

Stay healthy through tips curated by our health experts.

Whoops,

There was a problem adding your email Try again

Thank You

Your email has been added








TOP THANKED CONTRIBUTORS



Whynowthis (44), youtoo1955 (29), SpineAZ (20), vann04 (17), dismama (10), magicssd (8), Titchou (8), sandiemas (7), Jacki345 (6), minnieme1982 (6)

Site Wide Totals

teteri66 (1180), MSJayhawk (1006), Apollo123 (906), Titchou (850), janewhite1 (823), Gabriel (759), ladybud (755), midwest1 (669), sammy64 (668), BlueSkies14 (607)



All times are GMT -7. The time now is 09:19 PM.



Site owned and operated by HealthBoards.comô
Terms of Use © 1998-2014 HealthBoards.comô All rights reserved.
Do not copy or redistribute in any form!