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Originally Posted by Papa_Complex
We aren't even talking about the auto insurance, at this point. What's under discussion is failure to pay STD or LTD, based on stress and supported by a doctor's report, which seems to be permitted under their group policy. HR has washed their hands of the situation, making the employee deal directly with the insurer. The insurer is shuckin' and jivin' to get out of their legal responsibility to the client.
So are we all on the same page now?
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Many DI policies have a waiting period.
If it were a company plan, it may take effect immediately, since it doesn't sound like that is the case, Prudential's (or whomever the insurer is) guidelines must be followed.
Not my words but a decent summary of STDI:
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You can start receiving money from your STD policy with a waiting period of 0 to 14 days after becoming sick or disabled, according to the III. The actual time for coverage to kick in depends on whether you suffer an illness or injury. If you suffer an injury, your benefits will be paid immediately. If you suffer an illness, it may take longer because of the need to show that the illness is grave enough to be disabling.
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LTD will not be an issue for a few months still.