short term and long term disability

doodoo brown

Active Member
Short term disability is about to run out. Can long term be used for a period of 3-4 weeks to finish physical therapy and work hardening? Do you have insurance while Aetna decides your case? How long do they usually take?
 

doodoo brown

Active Member
Short term disability is about to run out. Can long term disability be used for a period of 3-4 weeks to finish physical therapy and work hardening? Do you have insurance while Aetna decides you case? How long do they usually take?
 

bleedinbrown58

That’s Craptacular
Short term disability is about to run out. Can long term disability be used for a period of 3-4 weeks to finish physical therapy and work hardening? Do you have insurance while Aetna decides you case? How long do they usually take?
Wouldn't aetna be the ones to ask? They were very helpful and answered all my questions when I went out on ST disability.
 

UpstateNYUPSer(Ret)

Well-Known Member
Short term disability is about to run out. Can long term disability be used for a period of 3-4 weeks to finish physical therapy and work hardening? Do you have insurance while Aetna decides you case? How long do they usually take?

Was your injury work related? If so, why aren't you on comp rather than STD?
 

Mugarolla

Light 'em up!
You need to contact AETNA but be prepared for bad news.
Usually, and it does vary, LTD goes to like 40% and you have to pay for your insurance.

Article 34 National Master.

(j) Long-Term Disability


(1) Full-time seniority employees will become eligible for longterm

disability (LTD) after six (6) months of employment for nonoccupational

illnesses or injuries that last longer than twenty-six

(26) weeks.



(2) Long-term disability benefits will equal sixty percent (60%) of

the employee’s base weekly pay to a maximum of six hundred dollars

($600) per week for up to five (5) years. Long-term disability

benefits begin when short-term disability coverage ends or after

twenty-six (26) weeks from date of disability, whichever is later.


The six hundred dollars ($600) cap shall be increased to seven

hundred dollars ($700) effective January 1, 2014 and to eight

hundred dollars ($800) on January 1, 2017.


(3) Average weekly base pay is computed by averaging paid hours

(maximum of forty (40) hours per week) each week during the last

full calendar quarter the employee worked and multiplying that by

the hourly rate of their base job. Weeks of unemployment in the

prior quarter will not be counted in the calculation. If there were

substantial weeks of unemployment, the prior full calendar quarter

may be used for the calculation.


(4) The definition of disability, termination of eligibility, offsets,

exclusions, limitations, claim procedures and any other related

issues will be controlled by the Summary Plan Description.


(5) The long-term disability coverage will become effective on

August 1, 2004 for eligible employees who become disabled after

that date. However, pre-existing conditions will not affect the

employee’s eligibility for LTD.


(6) In those situations where a Teamster Health and Welfare Fund provides

a short term disability benefit, the employee receiving such benefit

shall provide the UPS National LTD Plan sixty (60) days advance

notice of the estimated termination date of the short term disability. If

such notice is not provided, the UPS National LTD Plan shall have the

right to delay the commencement of LTD payments.


(7) Any employee receiving LTD benefits pursuant to this Plan shall

be entitled to receive health care coverage in accordance with the

SPD for up to twelve (12) months only.
 

MC4YOU2

Wherever I see Trump, it smells like he's Putin.
While I can't answer your question, I know some of these issues depend on if it's a comp case or not, your local agreement and state laws. I'd recommend you call your BA and your health insurer. They'll have better info than anyone here will.
 

barnyard

KTM rider
State laws vary so much it is impossible to answer your question. Use google and read up on your state's comp laws. Chances are, your question is answered there.
 

Overpaid Union Thug

Well-Known Member
Short term disability is about to run out. Can long term be used for a period of 3-4 weeks to finish physical therapy and work hardening? Do you have insurance while Aetna decides your case? How long do they usually take?

All I can tell you is that in my supplement (Southern) long term kicks in once short term runs out and that long term pays much more than short term.
 

CaptainObvious

Well-Known Member
I would suggest applying for your LTD at least 4-6 weeks before your STD runs out or you will be with out a pay check until it gets approved.
How long your insurance last will probably depend on how much vacation time you have scheduled. My wife's went for a year from the time STD ended plus a few extra months because of her scheduled vacations.
 

doodoo brown

Active Member
I would suggest applying for your LTD at least 4-6 weeks before your STD runs out or you will be with out a pay check until it gets approved.
How long your insurance last will probably depend on how much vacation time you have scheduled. My wife's went for a year from the time STD ended plus a few extra months because of her scheduled vacations.
 

doodoo brown

Active Member
Does that mean I don't have insurance while they wait to approve it? Short term just ran out go back to doc next week. Aetna told me to wait see what doc says.
 
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