Question

My group LTD policy goes through payroll deduction, but my income does not fluctuate. How should I proceed?

Asked on February 17th 2015 by MB
I have a group LTD policy through Lincoln Financial. It goes through payroll deduction. Basic plan docs are same occupation, 60% of salary. I am an Accountant and have been with my current employer for 14 years. I currently have 5 cervical fusions c1-c2 and c3-c7. Had c6-c7 fusion in May of 2014 and have permanent nerve damage according to neurologist at c6 and c7 nerve root. The pain is getting worse and I was told by the orthopedic surgeon that did c3-c6 and neurosurgeon that did c6-c7 that I have a 100% chance that c7-t1 will fail from pressure. I have not yet discussed with my surgeon his willingness to support a disability claim but I don’t think I can do this any longer. Surgeon referred me to pain clinic for steroid shots, stellate Ganglion shots, meds, etc. I am currently trying to work but I end up going to my car approx. 3 hours a day to lay the seat down and get the pressure off my neck. I am salaried so my income does not fluctuate. I worry I will be let go and lose the group coverage and my ability to file the claim if I don’t act. How would you recommend I proceed with Lincoln?

Answer

Answered on January 28th 2015 by Attorney Jay Symonds

MB, First and foremost, I would recommend that you obtain a copy of your short and long term disability policy and contact our office to provide you a free review and consultation as to same. Without reviewing your policy and discussing your current status it would be impossible to give any direction as to how to proceed with Lincoln.