LTD and TeamCare Insurance

So, I've been out on disability since April of 2021. Of course I did my short term for 6 months and am now going throuth TheHartford for long term disability. I was trying to get a prescription filled at CVS today, this prescription has never cost me a dime and all of a sudden was told it would be $100 today. Said I didn't have insurance. I called Teamcare and the lady stated it was true, I lost insurance on October 9th. Said I would need to talk to Hartford. So, after being passed around about 15 times over an hour and a half period. Nobody could answer me and was instucted to leave a voicemail with a rep. I'm supposed to have surgery on Monday. Can't afford it without the insurance. I'm Central States, if that helps. Does our insurance get canceled while on LTD?

Chris
 

542thruNthru

Well-Known Member
So, I've been out on disability since April of 2021. Of course I did my short term for 6 months and am now going throuth TheHartford for long term disability. I was trying to get a prescription filled at CVS today, this prescription has never cost me a dime and all of a sudden was told it would be $100 today. Said I didn't have insurance. I called Teamcare and the lady stated it was true, I lost insurance on October 9th. Said I would need to talk to Hartford. So, after being passed around about 15 times over an hour and a half period. Nobody could answer me and was instucted to leave a voicemail with a rep. I'm supposed to have surgery on Monday. Can't afford it without the insurance. I'm Central States, if that helps. Does our insurance get canceled while on LTD?

Chris
I may be wrong but I believe you're only covered for 18 months total.

6 months for STD and then 12 months for LTD.
Screenshot_20221104-134715_Adobe Acrobat.jpg


Central goes off of the NMA for LTD.
 
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