I worked f or a company that had a union. I became disabled and was off work when our contract was still in negotiation. When the contract was settled they back paid the employees to a time when I was still at work. Should my LTD formula be adjusted to include this increase? Thank You

It depends on the provisions of the policy. Typically your LTD benefit calculation is based on a formula outlined in the policy so it is important that you review your policy and if need be, ask your adjuster to explain how your benefit has been calculated. If you run into issues, let us know. Our contact information is below.