Question
Am I still eligible for benefits if I resigned from my position without having filed a claim under the policy?
I resigned my employment from the city of mpls on 9/26/2013 in exchange for a lump sum worker’s compensation settlement (which I still have not recieved). I have been diagnosed with degenerative disease and am considered disabled by my treating surgeon and the city of MPLS examining Dr. I called the human resource benifits division to see if I qualify for long term disability a week after my resination. I was told no, I did not qualifying because I was no longer an employee for the city. The Cigna policy for the city states there is a waiting period of 90 days and up to 1 year after that 90 day waiting period to apply. Am I still eligible to pally at this time or am I not understanding the policy correctly?
Answer
Cathy, If you resigned from your position without having filed a claim under the policy, then chances are you would not be covered under the policy. Most policies require you to be an active employee at the time of filing for disability as a requirement for coverage under the policy.
