Employment Law Questions? Ask an Employment Lawyer.
Hi, My name is XXXXX XXXXX I’m happy to assist you with your question today. I’m sorry to hear about your termination of employment.
You can apply for LTD retroactively to a time you were employed and would be covered by the policy. Also the LTD carrier should offer you continuation of coverage after your employment - i.e. you can pay the plan premiums on your own. You LTD isn't begun from the day you filed for benefits but, rather, the date you became disabled as defined by the plan. I'm assuming that your disability date was at least 12 weeks before your termination. So you would be covered by the LTD policy in any event.
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