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Started By
Message
Long Term Disability Question
Posted on 2/15/23 at 11:51 am
Posted on 2/15/23 at 11:51 am
So I had a massive thing happen today and figured some of you may have been through this before.
My main position at my job is a very physical position. I was promoted into an office like position last July but never quite got moved over. Well I’m having massive shoulder surgery and with that office position I would’ve been able to come back after a month.
Got a call today though that with the economy slowing down my office position has been cut and I’ll be left at my old position. This means I’ll be likely out up to 8 months instead of just 1.
While on 60% pay are you allowed to supplement your income by say working for Uber? How does that work? What measures has any of you taken when hit with something like this?
I’m scared as hell if I’m being completely honest.
My main position at my job is a very physical position. I was promoted into an office like position last July but never quite got moved over. Well I’m having massive shoulder surgery and with that office position I would’ve been able to come back after a month.
Got a call today though that with the economy slowing down my office position has been cut and I’ll be left at my old position. This means I’ll be likely out up to 8 months instead of just 1.
While on 60% pay are you allowed to supplement your income by say working for Uber? How does that work? What measures has any of you taken when hit with something like this?
I’m scared as hell if I’m being completely honest.
8
Posted on 2/15/23 at 12:38 pm to RamboMizzou
It really depends on contractual language regard ing the insurance carrier's definition of disability.
Generally speaking, yes you can, as long as you're unable to perform the duties of your occupation.
Generally speaking, yes you can, as long as you're unable to perform the duties of your occupation.
Posted on 2/15/23 at 2:08 pm to RamboMizzou
Generally speaking, short term disability is for 6 months. There may be a 30 day exclusion period so you receive 5 months of benefits.
LTD would pick up after that short term period ends, if your plan has two types and requires enrollment in both.
The big item is whether your disability plan is for "own occupation" or "any occupation." I believe you could supplement income under the own occupation standard, ie I can't do MY job but I could do other jobs. Plans can start with "own occupation" standard and then switch "any occupation" for longer periods.
However, you would not be able to supplement under any occupation because you would have been certified as disabled from all jobs. If you aren't disabled from all jobs than you wouldn't be approved in the first place.
Make sense?
LTD would pick up after that short term period ends, if your plan has two types and requires enrollment in both.
The big item is whether your disability plan is for "own occupation" or "any occupation." I believe you could supplement income under the own occupation standard, ie I can't do MY job but I could do other jobs. Plans can start with "own occupation" standard and then switch "any occupation" for longer periods.
However, you would not be able to supplement under any occupation because you would have been certified as disabled from all jobs. If you aren't disabled from all jobs than you wouldn't be approved in the first place.
Make sense?
This post was edited on 2/15/23 at 2:11 pm
Posted on 2/15/23 at 2:48 pm to RamboMizzou
If it’s any consolation STD and LTD benefits are not taxable, so you’re probably looking at more like 80% of your normal take home.
This post was edited on 2/15/23 at 2:50 pm
Posted on 2/15/23 at 4:09 pm to whiskey over ice
The benefit is only not taxable if you have paid the premium with after tax dollars. If your company pays for it, that is with pre-tax dollars and your benefit will be taxed.
Posted on 2/15/23 at 4:41 pm to tigerforever7
Thanks for the clarification
Posted on 2/15/23 at 4:42 pm to RamboMizzou
Just a little reminder that your disability, short or long, may not be taxable. It depends who paid your premiums and whether or not they were with after tax dollars.
Just some food for thought since they may go a lot further covering your take home than you originally thought.
Best of luck.
ETA should have read the whole thread. I see it’s been covered.
Just some food for thought since they may go a lot further covering your take home than you originally thought.
Best of luck.
ETA should have read the whole thread. I see it’s been covered.
This post was edited on 2/15/23 at 4:43 pm
Posted on 2/15/23 at 4:51 pm to RamboMizzou
Don't count on that 60%, the insurance company is going to do EVERYTHING they can to try to get out of paying you. When I had to use LTD I had to get a lawyer to get everything past 90 days. They got me 2 years.
Also check the fine print, I had to file for regular disability and then insurance only supplemented up to 60% after the government disability. Take out the 1/3 the lawyer took and near death experience was VERY VERY expensive and a huge loss of income.
Also check the fine print, I had to file for regular disability and then insurance only supplemented up to 60% after the government disability. Take out the 1/3 the lawyer took and near death experience was VERY VERY expensive and a huge loss of income.
Posted on 2/15/23 at 4:59 pm to armsdealer
quote:
Also check the fine print, I had to file for regular disability and then insurance only supplemented up to 60% after the government disability.
That’s pretty standard in my experience. If the government doesn’t consider you disabled, most policies won’t either after a stated timeframe.
Posted on 2/15/23 at 6:29 pm to slackster
I would hope I have no problem proving I’m hurt.
3 different tears in the rotator cuff, completely torn bicep muscle, labrum tear, couple bone spurs, out of place scapula(spelling) and my posture is all fricked and will need extensive therapy after the shoulder surgery. On top of that I have tendonosis, mild bursitis, and erosion of some tendons.
Some of these injuries I’ve lived with for awhile but I hit a breaking point and am constantly in pain now and have trouble sleeping.
3 different tears in the rotator cuff, completely torn bicep muscle, labrum tear, couple bone spurs, out of place scapula(spelling) and my posture is all fricked and will need extensive therapy after the shoulder surgery. On top of that I have tendonosis, mild bursitis, and erosion of some tendons.
Some of these injuries I’ve lived with for awhile but I hit a breaking point and am constantly in pain now and have trouble sleeping.
Posted on 2/15/23 at 6:38 pm to RamboMizzou
quote:
I would hope I have no problem proving I’m hurt.
You don't have to convince me, you have to convince the people at social security.
They will deny you on your first application and then you have to write a letter for your first appeal, which they will probably deny. You then get to go "interview" with their expert. Notice I said expert and NOT a doctor. That expert will note that you can write, respond to emails, etc. etc. and say you are fit to work. At some point in the process you get to the point where a lawyer can get involved. The burden of proof is on you to prove that you can't do ANY job, they don't care if you can't do your previous job if you can do ANY job in their eyes you will get denied. My case got to a judge and the judge ruled in my favor very quickly but getting to that point took a LONG time.
I am not saying you will never get your money, but I would plan like you are NOT going to get your money until after the ordeal is all over. I wish I would have known that, but I couldn't have done anything different. I was fine on a Friday and on my potential deathbed Saturday. Spent over a month in ICU and then half a year in a regular hospital room.
Posted on 2/15/23 at 6:52 pm to armsdealer
Listen to dealer , I went through the whole process .
Posted on 2/15/23 at 7:45 pm to Tigre85
It sucks that y’all had to go through it with legitimate problems, but fraud is rampant with SSDI.
There are a lot of disabled men married to disabled women that just milk it.
There are a lot of disabled men married to disabled women that just milk it.
Posted on 2/15/23 at 8:52 pm to slackster
Yeah I broke my legs in 15 places with one being a compound fracture . Trauma surgeon was awesome . I can walk but not stand for an extended time . Doctors , therapist , and psychologists helped . Wife also took some gruesome pictures of my legs .
Posted on 2/16/23 at 8:44 am to armsdealer
quote:
armsdealer
Unum?
Posted on 2/16/23 at 11:06 am to RamboMizzou
I'm confused on the timing of a lot of the questions.
STD
LTD
SSDI
all of those have different requirements.
Are you trying to qualify for SSDI?
STD
LTD
SSDI
all of those have different requirements.
Are you trying to qualify for SSDI?
Posted on 2/16/23 at 11:42 am to RamboMizzou
quote:
My main position at my job is a very physical position. I was promoted into an office like position last July but never quite got moved over. Well I’m having massive shoulder surgery
Is the shoulder injury related to your physical job? That will have a huge potential impact. They’ll go from pushing you out for eight months when on STD to wanting you to come back immediately if you are on comp.
This post was edited on 2/16/23 at 12:14 pm
Posted on 2/17/23 at 3:48 pm to go ta hell ole miss
quote:
Is the shoulder injury related to your physical job? That will have a huge potential impact. They’ll go from pushing you out for eight months when on STD to wanting you to come back immediately if you are on comp.
It happened outside of work. Coming back is going to be a bitch because they are going to make sure I’m fully recovered.
This post was edited on 2/17/23 at 3:49 pm
Posted on 2/17/23 at 9:39 pm to RamboMizzou
how old are you? what is it that you do for a living? are they repairing the shoulder or are they doing a shoulder replacement???
some wrong info here...
state disability is 1 year...
If your 50 or over, chances are they wont make you do any job...
meaning if your over 50 & in a very physical skill / trade & made good money, they wont make you just be a greeter entry level job at walmart...
you will get your ssdi
a shoulder replacement gives you a 25lb lifting restriction for the rest of your life, not just during the healing or for the first year....
so thats an approach if you lift more than 25lbs at work..
if your over 50, find a disability attorney, you wont have to pay for them, they get paid by the govt...
this forum is lame as i cant dm you...
some wrong info here...
state disability is 1 year...
If your 50 or over, chances are they wont make you do any job...
meaning if your over 50 & in a very physical skill / trade & made good money, they wont make you just be a greeter entry level job at walmart...
you will get your ssdi
a shoulder replacement gives you a 25lb lifting restriction for the rest of your life, not just during the healing or for the first year....
so thats an approach if you lift more than 25lbs at work..
if your over 50, find a disability attorney, you wont have to pay for them, they get paid by the govt...
this forum is lame as i cant dm you...
This post was edited on 2/17/23 at 10:01 pm
Posted on 2/17/23 at 9:49 pm to RamboMizzou
quote:
While on 60% pay are you allowed to supplement your income by say working for Uber? How does that work?
In short, maybe. You need to read your policy. It may depend on your definition of disability. Most employer paid LTD policy definitions are Own Occupation for 24 months and that could work in your favor.
If you have a company paid LTD policy you likely have a 90/90 elimination period so the policy is going to pay for 6 months.
If the policy was not "grossed up" you will pay taxes on the benefit.
I am guessing you didn't have a voluntary Accident plan. With an injury like yours that could be an 4 to 6k paid directly to you.
Good luck and get well OP.
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