Jim MAC Posted August 28, 2014 Share Posted August 28, 2014 Just heard from the union today. As some of you already know I was put out of work due to meds I take for my SC conditions. Stopped working in April applied for long term disability in July. Was approved today. Its Backdated till August 8th. They start paying after 120 days. Since this was a program thru the union and paid for by myself with after tax dollars its tax free. So ad long as I get my IU within 5 years I am good Togo. Pete53 1 Link to comment Share on other sites More sharing options...
georgiapapa Posted August 29, 2014 Share Posted August 29, 2014 Great that you had long term disability insurance available to you. Just a thought for younger veterans and family members. Good idea to obtain long term disability while it is affordable. In case of professional or specialized occupations, I would suggest buying disability insurance that only requires you to be disabled for your particular profession before they pay benefits. Many disability insurance policies will only pay if you are so disabled that you can not work at any occupation. For example a professional or specialist could develop disabilities preventing them from continuing to work at their regular occupations but the disabilities would not prevent them from working at less demanding occupations so the insurance company would deny benefits if the clause about being disabled in your own occupation is not in the policy. Just my opinion. Jim MAC 1 Link to comment Share on other sites More sharing options...
Mikemmlj Posted August 29, 2014 Share Posted August 29, 2014 Cool. Link to comment Share on other sites More sharing options...
rpowell01 Posted August 29, 2014 Share Posted August 29, 2014 Jim you might want to check on that LTD you have. If you file SSDI and get approve you may be held liable to pay back the difference/overpayment back to the LTD. Research LTD overpayments on the internet. Link to comment Share on other sites More sharing options...
Jim MAC Posted August 29, 2014 Author Share Posted August 29, 2014 The insurance I have only requires me to not be able to do my job as a Aircraft Mechanic.As long as I worked for the company over two years they did not try to pull the pre existing conditions crap. Never knew how great the program was till I needed it.I highly recommend buying it but make sure about the preexisting conditions Link to comment Share on other sites More sharing options...
Mikemmlj Posted August 30, 2014 Share Posted August 30, 2014 I'm in the process of applying forLTD with my union the Machinists they're with National Group Protection. It will be nice if it comes through. Link to comment Share on other sites More sharing options...
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