short term and long term disability

Discussion in 'UPS Discussions' started by doodoo brown, Mar 31, 2015.

  1. doodoo brown

    doodoo brown 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?
  2. doodoo brown

    doodoo brown 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?
  3. bleedinbrown58

    bleedinbrown58 ahhh....the mouth breathers

    Wouldn't aetna be the ones to ask? They were very helpful and answered all my questions when I went out on ST disability.
  4. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

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

    doodoo brown Member

    No it is not work related, hence the short term disability.
  6. Monkey Butt

    Monkey Butt Dark Prince of Double Standards Staff Member

    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.
  7. jumpman23

    jumpman23 Oh Yeah

    Get Aflac or some type of disability insurance to protect yourself if you get hurt outside the job.
  8. Mugarolla

    Mugarolla Light 'em up!

    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.
  9. MC4YOU2

    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.
  10. barnyard

    barnyard KTM rider Staff Member

    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.
  11. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    His injury was not work related.
  12. Overpaid Union Thug

    Overpaid Union Thug Well-Known Member

    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.
  13. Mugarolla

    Mugarolla Light 'em up!

    Same in the Central and you are covered for insurance up to an additional 12 months under LTD.
  14. oldngray

    oldngray nowhere special

    It is a lot more difficult to get long term since it costs more money.
  15. Mugarolla

    Mugarolla Light 'em up!

    No it's not. If you have been approved for short term, and are not able to return to work yet after the 26 weeks, long term is basically already approved.
  16. UpstateNYUPSer

    UpstateNYUPSer Very proud grandfather.

    Do you have to go to the doctor for an assessment after the 26 weeks before being approved for LTD?
  17. Mugarolla

    Mugarolla Light 'em up!

    No. It is just paperwork.

    If the doctor has not cleared you to return under STD, it just goes into LTD. He just has to file paperwork.
  18. 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.
  19. doodoo brown

    doodoo brown Member

  20. doodoo brown

    doodoo brown 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.