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sc I have a quick question: I am on LTD from my job at a local hospital. I'm 52 and have had the same career for 32 years. I was diagnosed with MS in 2004. April of 2005, I was struggling to continue to work. Finally went out on STD/LTD at the urging of my supervisors and my doctor. I am......
Long-term consequences?What is the name of your state? AL What are the consequences now that my homeowner's insurance has decided to drop my coverage? I have never filed a claim. I'm already searching for a new insurance company and I'm running into some problems. I've been told that it will affect my insurability for......
Long Term Water DamageWhat is the name of your state? Maryland Recently we found that a pipe in a wall had a leak because a shelf on that wall fell down. When we looked at the wall, it was all wet. On the other side of the wall is a large storage unit that was packed full of items, so we did not see the damage on the......
Long term disbility Attorney?What is the name of your state?Oh I am on Long term disbilty thur a major company due to heart problems in March 2003. I will be up for their 2 year phy exam in July 2005. They have been very professional up to this point and have a question regarding the exam they will be doing in July 2005.......
long term disabiltyWhat is the name of your state? oklhoma theres somthing i don't understand .i've work hard all my life and gained enough work credits.i fought ssi. for a long two years and i am classified 100% disabled. and so heres my question,i have paid for short term and long term disability.through......
long term disability take my social security retroactive checksWhat is the name of your state? Michigan...
Long Term Disability StoppedWhat is the name of your state?What is the name of your state? Pennsylvania I have been on long term disability for 4 months. Prior to that I was on short term disability for 12 weeks. My employment ended because I had exhaused all medical and personal leave of absence benefits due to me. I just......
Long Term Disability Overpayment AppealWhat is the name of your state (Minnesota) The Hartford my previous employer, without warning, reduced my benefit by $1 a month recently, stating that I had a $4 , overpayment as the result of SSD Approval. Although I understand that there is a requirement to report other income, I have always......
Long Term Disability OffsetWhat is the name of your state (only U.S. law)? Florida. My LTD insurance co. has policy to offset ss dependent benefits until children graduate or 18, whichever is later. My oldest son, 18, who has been handicapped since birth, applied and was approved to receive SSDI on his own and will for the......
Long Term Disability InsWhat is the name of your state?What is the name of your state?Tennessee I was originally awarded my Long Term Disabilty. then it was reviewed after I settled my workers comp case hartford insurance says RSD-CRPS Type II is NOT disabiling condition but I was awarded SSD due to same condition as......
[Consumer Law & Fraud] Illinois I live in a duplex and for the 10 years I have lived here ComEd has been billing me for the neighbor's meter. ComEd has finally admitted they have crossed the meters and now I am trying to get the money I over paid back. ComEd is only giving me what I should have been paying in a typed.........
question on wills & probate[Wills & Trusts] What is the name of your state? ohio However, my question involves information on my recently passed away father in law. He maintained 2 homes-1 in West Virginia and 1 in Florida, he passed away in Fl. My problem is that for years my father in law told my husband that he and our son (the only.........
3 months is NOT a heck of a long time ![Immigration Law] Maybe a few senior people at the BCIS should have a taste of the medicine before they make stupid remarks like this. This guy quoting the three month timeline is obviously out of touch, like Lee stated above we too have been fortunate with the speed of our application. But, being separated from.........
Receipts[Tax Law] Hi folks. This is a relatively easy one, but not listed in the FAQ section: I recently moved, and needed to get rid of lots of my books. I donated the books to my local library, which is a part of 'Friends of the Library': http://sunnyvale.ca.gov/Departments/Library/friends.htm#Donations Unfort......
Is the Patriot Act Constitutional?[Government & Administrative Law] What is the name of your state? Ohio I've been wondering this for a while. How can the Patriot Act be Consitutional? Doesn't it go againt many right listed in the Bill of Rights? My question is why hasn't the Patriot Act been tried in the Supreme Court yet? Has it been tried in court at all.........
Expunging a First Offense[CRIMINAL LAW & PROCEDURE] Good Morning, I was convicted of a Missouri Class C Misdemeanor Stealing offense. My sentence was suspended imposition of sentence. I simply had to pay restitution. The conviction was three years ago. I have never been arrested,convicted, or in trouble with the law except for this crime. My.........
Relocation Contract[Employment & Labor Law] What is the name of your state? Virginia Hello, I am curious about how enforceable relocation contracts are. I was terminated recently for what the company called misconduct (potential wrongful term case) after 14 years of service. I had relocation 6 times with the company with the last move.........
Cell Phones & Private Property at Work[BUSINESS & FINANCIAL & Corporate LAW] My question involves business law in the state of: Iowa I just recently had a work meeting where we addressed work attire and cell phones. We were handed out a pamphlet that was split into two pages the first page front and back was about proper work clothes and the second page front and back was.........
workers comp[Accidents & Personal Injury Law] i am from georgia. i had a bad rotator cuff tear at work that needed open surgery. i went to one doc. who sent me back to work on modified duty. my employer said tuff and said to do my job so i tried. i rehurt my shoulder 2 days later and had to have the surgery. can i sue for my employer making.........
Assault 3rd, violation probation + others! help![CRIMINAL LAW & PROCEDURE] What is the name of your state? New York I was placed on probation for 3 years due to a criminal tresspass. I was adjudicated a youthful offender. Then after about 1year of being on probation, i was charged with criminal mischief 4th and violation of probation, they reinstated my 3 years of.........
When I was put on disability due to Fibromyalgia I was living and had been working in WA state. I was approved for 2 years disability payments in 2000 based on Mental/Nervous diagnosis. I have been unable to work for 2+ years, after working for my employer who employes over 2000 since 1986. I......
What is the name of your state? Kentucky The insurance company did not prepare me to repay benefits. In the policy it said that I could not receive other money at the same time that I received benefits from them, but I wasn't aware that I had to pay back everything after I got a lump sum payment......
What is the name of your state? My state of residency is New Jersey. I have Prudential Insurance and filed a claim for Long Term Disability Insurance due to an injury I sustained which caused damage to my back. They denied me for this coverage stating that I can continue to do sedentary work.......
What is the name of your state (only U.S. law)? california My husband is about to be receiving long term disability benefits from Unum insurance. The policy states that family social security benefits will be deducted from his payments. I have been on SSDI for over 2 years, if I start collecting......
What is the name of your state? Hawaii The long term care insurer for my 80 year-old mother-in-law terminated her policy due to a 70 day lapse in payment of her premium. She was never late in her nearly two decades as a policy holder, however, her husband was diagnosed with cancer right at the......
What is the name of your state? NV Several years ago, my fiancee and I took out life insurance policies (at his request) on each other while residing in Nevada. During the effective period, he was fatally shot. His family denied me access to his personal belongings and I was unable to retrieve......
What is the name of your state?What is the name of your state? New York I would be interested to know if it would be possible to get a loan structured like a reverse mortgage where the bank or another lender would accrue the interest until the policy matures and would take a collateral......
What is the name of your state? PA I have a car loan with disability ins. I did have two loans until they stopped paying last year forcing me to sell one, meanwhile they started paying the remaining loan again. Recently they started depositing funds for the closed loan, I notified them last year......
What is the name of your state? Maryland My wife is starting her own family child care business in our home. I have been getting conflicting advice from a number of people in regard to protecting our personal assets (none of them lawyers or familiar with insurance or liability). Some have said......
What is the name of your state (only U.S. law)? NJ Hello, I am currently updating insurance coverage for properties owned/controlled by my employer. The family home and a second residence are "owned" by two separate LLCs. The shareholder positions in the LLCs are the same, and consist......