Hello,
I have long-term disability insurance through my employer. I became employed in 2010, but elected to have supplemental, buy-up coverage in 2012. (core benefit covers 50% of my salary, buy-up covers an additional 16%). Now that I am making a claim for disability, the insurance provider is denying me the buy-up portion because I did not provide evidence of insurability (EOI). They are making payment on the core benefit, just not the buy-up portion.
I feel that I also deserve the buy-up coverage because: 1) I never received a request for EOI and 2) I was paying into the program from 2013 through 2016 and could reasonably assume I was covered because the insurance company was collecting payment over multiple years.
Any suggestions on how to get the insurance company to pay at the bu-up rate?
Thank you
I have long-term disability insurance through my employer. I became employed in 2010, but elected to have supplemental, buy-up coverage in 2012. (core benefit covers 50% of my salary, buy-up covers an additional 16%). Now that I am making a claim for disability, the insurance provider is denying me the buy-up portion because I did not provide evidence of insurability (EOI). They are making payment on the core benefit, just not the buy-up portion.
I feel that I also deserve the buy-up coverage because: 1) I never received a request for EOI and 2) I was paying into the program from 2013 through 2016 and could reasonably assume I was covered because the insurance company was collecting payment over multiple years.
Any suggestions on how to get the insurance company to pay at the bu-up rate?
Thank you