Employer STD and LTD
Given the following example:
*If someone last works on 4/27/12
*First day out of work due to disability is 4/28/2012
*Employer offers STD and LTD, both with the same insurance company
*STD is approved, maximum benefit of 26 weeks.
*STD is approved for 4 weeks initially, then another 7 weeks, then another 5 weeks, etc.
*The employer terminates the employee at week 13 since they terminate employees when 12 wk of FMLA is exhausted.
= As long as the person remains continuously disabled and STD is continuously approved then he is eligible for LTD. And when STD and LTD are with the same insurance company , the ins co does an internal transfer of the claim from STD staff to LTD staff.
STD and LTD plans state that eligibility ends when employment ends, BUT this means IF you are not already out of work. For example, the employee last worked 4/27/2012, is fired 4/28/2012 for stealing from the company. 3 days later he has a disabling stroke. He is not eligible for STD as his coverage ended on the day his employment ended. In this sense it's like auto insurance, you are eligible as long as you pay the premium.. If you don't pay the premium at renewal, and total your car 5 days later, you can't retroactively pay the premium and/or file a claim.
So once someone is on STD and remains CONTINUOUSLY disabled from working according to the insurance company, he/she is eligible for STD and LTD. If the LTD insurance company is different than the STD insurance company....then contact STD and ask how to apply for LTD. They always have a transition plan and contacts at the new company. Often HR/Benefits doesn't understand that you are still eligible for LTD so it's best to ask the ins co first.
Rt thumb fusion '13. R&L thumb arthroplasty '12 ; RT TKR & Bilat CTS' 11. Fusions: L5-S1('87), L4-S1('93), C5-C7('06), L3-S1('10), C4-C5('13). C5-C7 foraminotomy '08