What does this mean for LTD. An employee’s coverage under this Plan will terminate immediately upon the occurrence of the earliest of the following events?
The employee attains the age which is obtained by subtracting the qualifying period from 65?
This plan terminates.
Does this mean if the company goes under that I am screwed or if they renegotiate the plan and change the terms they can cut me off?
I am receiving long term disability from my work insurance company and they cut me off and I appealed and I I am now long past the 2-year point. They sent me a form for update to be sent and also said that my doctor needed to fill out a form but then called me back and said no my doctor does not need to fill out the form yearly now as my company is not requiring it. This doesn’t really make any sense to me? If I’m supposed to have ongoing medical care then why do they not want an update from my doctor yearly stating that I am still totally disabled? I mailed the form back to them and they keep telling me that they sent me letters and reminder letters for the form but I didn’t and I never received the first form in the first place. In the past I have faxed them everything and kept my fax receipt cover sheets so they could not deny that they didn’t get it but now I don’t have access to a fax to do that. I no longer have a case manager and I am dealing with the payment Department. Could you tell me what this means and why they are no longer wanting medical information if I am required to keep seeing the doctor? I did a peel on my own and I won the appeal and they reinstated my benefits.