Topic: Employer LTD
Hello Everyone! Hoping some can share their experiences with LTD. My husband, Russ, has LTD through his employer. He has been on what I'm thinking they are calling "sick leave" since his final diagnosis April 6th, 2009. He will continue with this for six months. Then I am assuming he will need to apply for the LTD with his employer. I know he will remain on his current health insurance through the initial six months. If/when he apply's for LTD through his employer, will his health insurance continue? I"m wondering if he should apply for FMLA after the initial 6 months to secure his health insurance remains in affect for as long as possible. I'm also wondering if I should go ahead and place him on my insurance at this time through my employer. I know I should be asking his employer these questions but have little time as I work full time myself. I would appreciate any experiences that you may have had with LTD. I've read most of your insurance notations on the board. Seems like at least our social security system alleviates some of the pitfalls of this horrible disease/experience by processing claims in a timely manner. These are not questions I thought I would ever be asking. I feel uneasy having to think about these things. It's all so unreal.
Wishing all of you wonderful mommies a beautiful and most glorious Mother's Day!