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  1. #1
    Join Date
    Mar 2017
    Location
    Arkansas
    Posts
    1

    Default Private Longer Term Disability

    My company is self funded worker compensation. They offered and I purchased a supplemental LTD coverage. I was injured on the job and received a benefit of 66 2/3%. After 90 days I applied for and was approved for the LTD which covered 33 1/3% of my pre-injury wages. The company stopped paying my workers compensation benefit. My benefits have been reinstated but the company claims I am not entitled to receive my comp benefits or even the difference because I waould be getting paid twice. It appears that my LTD is limited by my comp benefits and I would not be entitled to benefits in excess of my pre-injury wages which did not occurred. I do not see where my comp benefits are limited by receipt of private LTD other than the legal limit that all benefits can not be in excess of my full lost wages.

  2. #2
    Join Date
    Oct 1971
    Posts
    5,008

    Default Re: Private Longer Term Disability

    They're lying to you - don't play games, consult and retain a lawyer.

    Tony
    Moderator Responses are based on my personal bias, experience and research - They do not represent the views of the admin nor may be accepted in the legal community, always consult an attorney.

  3. #3
    Join Date
    Feb 2007
    Location
    831 East Morehead St., Ste 355, Charlotte, NC 28202
    Posts
    3,748

    Default Re: Private Longer Term Disability

    Tony is right on every point.
    The North Carolina Court of Appeals has held that "In contested Workers' Compensation cases today, access to competent legal counsel is a virtual necessity." Church v. Baxter Travenol Labs, Inc., and American Motorists Insurance Company, 104 N.C. App. 411, 416 (1991).

    Bob Bollinger, Attorney and Board Certified Specialist in NC Workers' Compensation Law

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