Question
Can LFG deny my LTD coverage because it's "not portable" while STD is?
My question is about portability. I became ill and went on STD. I was terminated from my job. At the time my claim was being processed. I was told that LTD was portable but STD was not. Since I had a claim in process I was then told, that because of that my LTD was not portable and sent a refund for payment for LTD. I do not have anything in writing that states this. What I had stated that LTD was portable when leaving a job. My STD was approved and I am now maxed out at 26 weeks. To me, it doesn’t seem fair that they can denied my LTD when I obviously need it. I had been paying 150.00 a month for LTD for years. I would love to hear your thoughts on this. Thank you!
Answer
Suanne, If you were disabled and not working at the time you were terminated, then you still may be entitled to long term disability coverage. We need to review your long term disability policy and obtain more facts from you in order to determine if you have a claim. Give us a call.
