Question
What does Aetna mean when they say I must find a job that is at least 70% of my work pay? What should I do if I don't think I can work?
I am on long term disability which Aetna handles. My IME said that I will be reevaluated in Dec. 2012. The policy says something about covering me if I can’t find a job that is at least 70% of my work pay. What does that mean? I don’t think I can find a job after my stroke that will pay me that. I’m worried that in Dec. they will deny me. What should I do?
Answer
Gene, You need to continue treating with your doctors and documenting your medical conditions that prevent you from working. The 70% of your work pay, means that if you made $100,000 a year pre-disability, then Aetna must make a determination that you can work at a job that will pay you at least $70,000 a year. Aetna will likely hire a vocational expert to perform a Labor Market Analysis and Transferable Skills Analysis. We regularly advise clients on a monthly basis about how their claims should be handled in order to protect your monthly benefits. If you contact us and send us your policy we can arrange a free phone consultation to discuss some of your options.
