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I am sorry , I obviously was not clear what I was asking. I have a personal,private dis. insurance ( not MetLife) that is paying me a benefit while out on LTD. I also do have MetLife through work paying me a benefit which MetLife normally integrates with STD,pay or Worker' comp. or even Social Security (to pay me 70 % of my income) . My question now is if MetLife is allowed to also deduct/integrate the benefit I receive from my private disability insurance as well from the benefit they are paying me ? I always thought that MetLife is not allowed to use my private dis. insurance for integration , that it is something entirely different then the benefits I receive through work ( I got the private insurance to have a better coverage in case of a disability). I just want to make sure I am right ( because MetLife is integrating with STD, WC or SSI) that I can draw from two benefits without MetLife being able to use my private insurance benefit to integrate ( to just pay me 70% of my pay) ? Thank you for any response.
I work for Kaiser, does that make a difference?
The only information in 'my benefits' I could find is that they pay me up to 70 percent of base pay when integrated with other disability benefits ( such as STD, WC, and /or SS). It never mentions any private ,personal insurance in any way.
I looked at another document I signed where MetLife states that "they are allowed to reduce the benefits payable to me by amounts payable to me from SS, WC, STD , or any other act or law of like intent."
Again, they are never mentioning "private insurance" in any way.
Is that a clear enough statement in my favor?
No more questions, it got resolved. Thank you