[Lori R]

Joan,
I've chimed in on other disability threads as a compassionate observer but not one with much experience. So, I remain very interested. Pam is certainly a great resource as she is currently making her way through this maze.

I completely empathize with your dilemma. I would receive 50% of my salary on LTD which is double what I would receive from Social Security. Thus, a reliable LTD check would make a huge difference in the quality of my life.

Research on my company's policy is that once you are approved, the LTD coverage remains in place even if you are "laid off". If you think about it, after a period of time, any FMLA protection expires and our company will need to fill the position. In my case, the LTD coverage would run until I am of the age to be eligible for full social security benefits. (65?? 67??? something like that)

It is extremely important to receive those documents from HR and review them in detail. You will be amazed at what is in them. I realize you are focused on disability right now but also obtain any documents supporting company sponsored life insurance and health insurance.
I'll PM you with the name of a WONDERFUL woman who has worked in the benefits area for years. She helped me review the documents and she knew to look for language that allowed me to pay for company life insurance even after I am no longer with the company. This provided an extra financial cushion for my husband and daughter in the event I'm not here. A HUGE relief. (also she does this for free!! She spent hours with me and was enormously knowledgeable)
Unfortunately....I share your concern about the unknown and fear that an insurance company would deny me mid-stream when I was in one of my NED stages. By this time, I would no longer have a job and would be forced to live on the very small social security.
For now, I am NED, feeling good, somewhat confident about my work status. If I recurr again, I will probably opt for the LTD path.