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Found 3 results

  1. We have an employee who just got approved for LTD after 6 months. He has been working part-time (about 20 hours/week) after his STD expired 6 months ago He has decided to continue to work part-time. Our benefits eligibility is 20 hours/week He currently has a health FSA. Our policy has been to terminate all benefits with exception of continuing medical and employer paid basic life at 1x pay and offering COBRA for dental & vision one someone gets approved for LTD. This is the first LTD who has returned to work Can we terminate his health FSA or other benefits since still actively employed and benefits eligible? Is LTD status a "change in status" event? if so what benefits can be changed? Our fully insured carrier has a Return to Work Incentive of up to 12 months as long as monthly earnings from job+ LTD benefit not more than 100% of predisability pay For him to get full LTD he will need to reduce his hours to no more than 16 hours/week which makes him ineligible for benefits To make things more interesting we are no longer going to terminate anyone on an LTD status so not sure yet how that affects the equation:) Thanks in advance for any help Lexy
  2. I have long term disability through my company as well as Social Security Disability. My daughter qualified through me as a Family Supplmental Benefit until she turned 18. We managed to get it extended until she graduated from high school. My company plan subtracted my Social Security and hers from their benefit that was payable to me as an offset. No where in the policy does it address what to do when the family benefit goes away. I notified the disability company when the family benefit ended. Several months later, I noticed on my monthly EOB that they 'quietly' reduced my total benefit by the amount that was paid to my daughter yet they did not increase my payout. So it is a numbers game at this point. I have found on the internet the same situation and the lawyer advised that person that they were entitled to that part of their benefit to be reinstated again. I sent a certified letter to the company recently asking for either an explanation or the back benefit and for it to be reinstated. It has been ignored. My questions are: Am I entitled to that benefit and the back wages? What should I do now if I am? Hire a lawyer? This is a big name insurance company and I worked for a large company. Should I contact others that I feel sure have been done the same way to initiate a class action suit for them also?
  3. I am so glad I finally found this forum! Let me start with my case background. I have a QDRO from a divorce dating back from 1992. I am the AP. I am from Tennessee. I had forgotten about it until recently discovering the certified letter in my files from X10 in Oak Ridge confirming that I had the QDRO in place. I immediately contacted them as it was incorrect in last name and address and so I updated it. Several months went by and they sent me some plan materials but nothing of real value. I contacted them again recently and asked for better information and they got back to me and stated I did not have a QDRO so I sent them a copy of their certified letter to me. Last week I got a letter in the mail that stated that pursuant to 414(p) of the IRS code, I was eligible to commence my portion of the pension beneft due my ex husband. And it was payable for my lifetime. They then asked for proof of age, some tax withholding and direct deposit paperwork. so they could get me on the monthly payroll cycle ASAP. But then I had some questions for them. I asked if I die, does my benefit continue to a beneficiary? No they said. And if he dies, does it continue to me? Yes they said. But then the lady I am in contact with said that they had just located the QDRO documentation and they are checking with their Administrative Committee on past payments and how to proceed with that. She will keep me posted on further developments but wanted to get me into pay status as soon as possible since it may take a while to determine the past payments. So, my questions are, will I somehow be getting past payments of monthly benefits that I should have gotten as a result of the company losing the QDRO and not attaching it to my ex's benefit before it was distributed? And where will that money come from if it is determined that I am entitled to it? He, I am sure is retired as he is on disability and has been for quite some time. I am unsure of his date of when he left the company as we do not communicate at all (really bad divorce). I did ask the lady I am in contact with in Benefits for the date of when I was eligible to start my benefits but she did not answer that question in my last email. Also, should I get a copy of my QDRO with all this going on? I can't seem to find a copy in my paperwork. I would appreciate any advice in this matter.
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