I need some 411 on short term dis insurance. i used some went back to work 2mo. thenneeded it again none was?

Question

i went back to work in 2007 my employer said it had expired.

should i have been eligable once in 2007 and again in 2008? now im hurt again (reinjured) and have 0 dallors of houshould income

Answer 1

I am not clear on you question but let me try, Group benefits should offer open enrollment once per year. If you had a DI policy and then it expired you should have been able to sign up for it again during your companies annual open enrollment. Usually when someone is out on DI the policy premiums are waived so when you returned back to work you should have been able to resume premium payments and the policy would have remained in force. I would call the DI carrier and ask them to explain what happened to your policy.

Answer 2

OK, you aren't saying what information you need, but your HR department is the place to get it.

If the policy was expired, then that means NO ONE has it any more.  Or maybe, it had a limited number of benefit days, and you have exceeded them.  Or maybe, it won't cover something that's already happened, more than once.

WE DON'T KNOW.  You will have to ask your employer to be more specific - and ask them a more specific question.