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May 23, 2013 09:28PM
I had the same experience as Jill: no one told me about the possibility of continuing my life insurance (and it was not in the employee handbook), and the HR contact had just made a comment about converting to a private policy and how prohibitively expensive that would be. I later discovered that once I had been approved for LTD through my employer, I was eligible to apply for the premium waiver provided by the life insurance company's disability waiver provider. That approval process was incredibly easy, and now I just provide a physician's statement annually so that I can keep my life insurance until retirement age.
And to add my experience to others' reports: I received STD for 6 months, during which time I applied for LTD and SSDI. When I applied for LTD, my health insurance was automatically continued, with just my regular monthly premium cost deducted from my benefits. When I was approved for LTD, I was also approved for continuation of my health insurance (at the same group premium rate as all other employees). My health insurance will continue as primary until I am eligible for Medicare later this year, when it will become secondary, if I choose to keep it (and it would continue to be offered to me at the group rate). ALso, I was fortunate to have SSDI approved in 48 days, and that approval seemed to positively affect the decision process of the LTD insurer.
Brenda.... Wanderer, there is no road, the road is made by walking. (Antonio Machado)
1995, IDC, Left, 1cm, Stage IA, Grade 3, 0/16 nodes, ER+/PR+, HER2-
2006, IDC, Left, 1cm, Stage IA, Grade 3, ER+/PR+, HER2-
2009, IDC, 1cm, Stage IV, Grade 3, mets, ER+/PR+, HER2- (IHC)