I am on an approved return to work program with my employer and they report my hours per month to my LTD insurer. The insurance company then pays the difference between what I am actually earning (low hours right now, working up) and what I would have earned working full time. My insurer gets the report of my hours at the very end of each month, and then calculates and pays my LTD benefit in the second week of the month.
However, I am on leave from my office, as is everyone else, due to COVID-19. It is paid leave so far, very fortunately, so I am making the exact same amount from work that I was in the pay period prior to being on leave (not much, but it helps). Instead of submitting timesheets, my pay system apparently just bases everyone’s pay on the hours entered for the last pay period, and if any adjustments need to be made it’ll be done when we’re back. Mine won’t need adjusting, it’s the same. And my doctor isn’t going to request an increase in my hours while I’m not there, that wouldn’t make any sense.
Here’s the problem - I don’t know if my LTD insurer got that report of my hours from work at the end of March, or if the people who normally send that info are even at work (our HR/payroll is not located locally, so I don’t know). I cannot access my work programs, and so can’t contact the HR person who was directly dealing with my case, even if they are working. I have put in a request via email which is what they ask us to do, and still have not heard back.
I have given every bit of information I have to the insurer, including the hours I am being paid for, the work situation, any info I get from managers, etc. They also needed a detailed medical update from my doctor, which has been provided. The last communication that I got from them was that everything I provided was very helpful due to the situation, and to keep them up to date. Their communication back to me is spotty too, however, so I haven’t gotten any indication from them as to what will happen.
Is anyone else in a similar situation? The LTD benefit is still the biggest part of my income each month, as I slowly work up my hours. I can’t squeak by for long without it, and as I’m still employed I obviously don’t qualify for any emergency benefit.