Can the LTD company make me go to court even though I am working again? If SSD determines that I was not disabled, is it possible that I can still get money from my LTD carrier for the time when I was sick and not working?
Unum has offered me a buyout of $38,000. I have 10 more years to draw $600/month, so this seems to be a low offer to me. Can they offer more or is this what I would be only entitled to? Is the life insurance I have with them cancelled if I accept the buyout?
I was just approved for Social Security Disability. It took a year, so I will receive a lump sum payment for back benefits. Up until now, Unum paid benefits to me through my former employer's disability policy. Do I have to repay those benefits to Unum or my employer?
I have gotten several conflicting recommendations from my doctor: first that I am not a candidate for surgery and then that I should undergo extensive surgery. I have filed for SSD and am getting LTD from insurance carrier. If I refuse surgery and go with the first diagnosis what will happen with SSD and LTD?
The insurance company requiring an IME and there are no doctors within a 75 mile radius that does that sort of testing. What should I do to appeal the matter?
Keep 'em coming and I'll keep answering! And remember you can always order my Disability Insurance book and get all the info you need!