Question
Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security?
I was on STD in August of 2012 then it automatically went into LTD at which time I was terminated from my position. My doctor would not release me to return to any type of work due to severity of limitations. Late October 2013 Unum told me I had to apply for social security and had someone from Genex contact me. In mid November 2013, Unum discontinued my benefits, stating their medical team deemed I was not disabled. However I just found out social security was approved. Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security? They are making it retroactive back to February 2013. Thank you.
Answer
Joy, Unum would still have a legal right to repayment of any lump sum back benefit amount on account of your SSDI award that overlapped with any period of time Unum was paying your benefit. Furthermore, if you intend to appeal the denial of benefits by Unum, you will have to do so with 180 days from the date of the denial.
