STD claims and policy procedures


#1

If I am off on an STD claim for 1 illness then attempt to return to work and go off for a different illness can they lump them together under 1 claim?


#2

I am not a lawyer, but the answer lies in your policy. My policy says I need to be back at work for two full weeks and then the claim is new again. Check your policy or ask for a copy from your HR department.


#3

It depends on the wording of the insurance policy and how long you returned to work before the second illness arose. For example, we are dealing with this issue on a case right now and that Insurance Policy says if you go back to work for even 1 day, then you would need to start a new claim if the new illness is 100% unrelated to the illness that caused the first claim. Again, you have to determine this on a case-by-case basis depending on the wording of the LTD policy or plan information.