hi all there,
I went on LTD in 2000 with monthly pay benefit. I have had same coverage for almost 5 years. My premium for this coverage has been $00.00.
In 2005 the Company I worked change my insurance as I was not eligible for the Insurance any longer. I told the person that I would keep the same
coverage as long as I was disabled or until I reach age 65. I was told they
could change the insurance after 2 months as per the insurance SPD, but the SPD also says I would stay on the Insurance as long as I was totally disabled.
I had a letter from a company they hired setting up the insurance for SSDI as my pri**** and company insurance as secondary payer.She just told me she was not going to discuss the matter and that she was sending insurance papers for Insurance selection in the mail. I also found out that by getting back unpaid medical bills that they had terminated my insurance, The Insurance carrier has denied claims. the company told me they had no idea the insurance was cancelled.They also did not send me any insurance papers in the mail. I called back and compalined about the insurance being cancelled and told I never received any insurance papers in the mail and my policy was still terminated.She again stated she would send Insurance papers in the mail for insurance selection.
What can I do to keep the same Insurance I had held for the past years,
LTD health insurance.
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