Q: My employer dropped one disabilty carrier and now we have a new one which can I file with??
I have been working a modified work schedule since 6/2014. I filed for short term disability thru my employer which i pay up on. The short term was for carpal tunnel. I continued to stay working the same modified schedule due to fibromyalgia and raynauds. I was denied long term and all payments stopped 9/2014. My employer dropped this carrier and a new carrier started 12/2014 and i started to file a claim with them and was told no i need to continue to file with the company i filed with already. Then a few months later i was told i could file as long if it was for a different condition. It was for fibro and raynauds the 2 conditions i did not file with the other company. Now again I am told no I can not. Why am I even paying into this benefit when I can not even use to help when i need it. I keep getting back and forth information. Who can I file with??
A: Your injury was incurred when you were covered by the first carrier. Although the conditions you are attempting to file for are new, they apparently resulted from the period of employment when coverage was by the first carrier, so you should file with that carrier. Whey you were told you "could file as long if it was for a different condition", what they meant was if it was for a NEW condition (one which did not result from when the first carrier was covering your employment).
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