by pa5762 » Wed Jun 03, 2009 10:58 pm
Today I called metlife to ask about the waiver of premium and how I could claim it. They said that option terminated once I left employment due to health issues. The accelerated benefit option stayed on but not the waiver of prem. Is this usual?
They said that option doesn't transfer when going from from group to individual....unless I had already started using it while employed.
They said that option doesn't transfer when going from from group to individual....unless I had already started using it while employed.
Posted: Sat Jun 06, 2009 08:11 pm Post Subject:
Insurance Teacher, I'm not sure that I made myself clear in my post. My point wasn't that collecting on DI would influence whether she could collect on the WOP. Rather, I was just pointing out that if she was collecting on short-term DI she probably wouldn't be at the point where she was out long enough to satisfy the waiting period to collect on the WOP.
Posted: Sat Jun 06, 2009 08:49 pm Post Subject:
I understood that I would have had to be disabled and had to be out of work for 180 days for the wop to be initiated. So I met all the criteria, was using my short term disability from Sept 08 till it ended on March 09. I didn't purchase the long term disability option but SSDI kicked in and started paying in March 09. Thank goodness my physician advised me back in August to apply for that otherwise I'd be one big hole! Then I was officially terminated in April.
I started inquiring about the wop in Jan, Feb but I really don't think HR knew what they were doing since I couldn't get a straight answer except that the only time an employee has used it is when they were on Long term disab. Well so what, I didn't purchase that benefit and I was still not able to return to work and just wanted to see if the I could tap the WOP. But no....it didn't happen and I let it go to deal with other issues.
My HR was great with me about everything else but it seems they just don't "offer" information that could save a person a few bucks like the WOP. Apparently they haven't dealt with it enough to know how to administer it.
Posted: Sat Jun 06, 2009 08:54 pm Post Subject:
I know I couldn't have started using the WOP unless the conditional waiting period was up (the 180 days) but I was doing the inquiry with HR so I would know what had to be done.
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