Top Questions and Answers

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Are there spending restrictions when on LTD?

Is there anything if I am a full time union employee who is currently only able to work part time due to chronic illness, as in will the insurance company make up the difference of the hours per week I can’t work?

I bought disability insurance when I bought my truck in case of being off work. I have now been denied my claim because they say it was a pre existing condition but it's not I was diagnosed with tendonitis in Aug. 2018 went back to work fine after a month off bought truck in Nov.2018 and then I was diagnosed with carpal tunnel in Jan.2019 but not confirmed until nerve test done Apr. 2019 went off for surgery on both hands starting June 2019 will be returning to work end of Aug. so in my opinion this was two different things and I don't believe I should be denied. What do I do?

My husband just found out he has major heart disease and they can not do bypass surgery is he eligible for long term disability

Hello, My LTD 24 months mark is coming up soon. It changes from own occupation to any occupation. I am still struggling with my anxiety and depression with my Crohn's disease and colostomy (which now has a hernia too), that I am unable to return to full time work. My doctor thinks I need to work part time to reduce my stress levels and anxiety. How do I share that with my insurance company to pay me the difference, as I would like to work but can not handle the full-time workload. Do insurance companies do a "top off" where they will supplement the difference of my work to the amount paid during the 24 months?