What is the name of your state (only U.S. law)? MN
I was notified that I was to be laid off due to financial cut backs at my work. I had previously filed a job accomodation request for a disability that the company never did rule on prior to terminating my position. My employer did have a couple of months to render the decision following their receiving the information from my health care providers. I should mention that I have subsequently obtained a copy of the forms that the doctor sent to the company for the accommodation request. I believe (as best I can understand not being an insurance specialist) that those forms indicated quite strongly that I was in fact too disabled to actually keep working at the position I held.
I had been ill for some time and was just trying my best to remain employed in spite of my illness. When I was notified that I had only until the end of the month to work and then would be terminated, I went ahead and allowed my doctor to put me on short-term disability. I have applied for Social Security, however I neglected to apply for FMLA. In any case, the company went ahead and terminated me as planned. I have health insurance until the end of this month (March 2009).
I have a couple of questions:
1. If I elect to pay for Cobra insurance following my employer paid health
care expiring, would that mean my short-term disability would still be active?
2. The paper work that the company sent me indicating my coverage when I was terminates has nothing in it referring to either the short-term or long-term disability. I phoned and asked why they took the long-term disability off of the paperwork for insurance I was paying for. I was told that they terminated it effective on the date they terminated my employment.
OK, so if that is true, why am I still receiving short-term disability? Is that something I am going to need to turn around and pay back to the company?
As I have been ill for some time, I have known that the day would likely come in which I might have to take disability. That said, I have always made certain that I have long-term disabiltiy coverage. I am wondering how the short-term (company paid) disability was allowed until the end of March along with the medical insurance, yet the long-term was terminated.
Does short-term disabiltiy insurance fall under the medical insurance category and the long-term doesn't? Could that be why short-term is still active and the long-term was terminated?