Acronyms
ILTPC
Initial Liability Telephone Call
Explain three differences between STD & LTD
payment frequency, M&N and SRS limits, Any Occ change in definition, TAT’s, Different claims manager, Max Dur, Recurrence, EP
LTD initial decision
30-45 Calendar Days
What is the difference between STD and LTD payments?
Frequency – STD weekly or biweekly, LTD monthly
Explain Allsup and TAG.
SSCAP vendors that Pru provides to LTD claimants to assist them with getting approved for SSDB at no cost to them
ADLQ
Activities of Daily Living Questionnaire
What is the most likely reason that an OP would occur on an LTD claim?
SSDB Back Payment
Appeal Review
45-90 Calendar Days
When are LTD payments issued?
About 5 days from the end of the month
What does a negative payment on the pay screen mean?
EE is paying us back for an OP
M&N
Mental and Nervous
For an STD claim what is the timeframe that the DCM will roll the claim over for an LTD review?
About 7 weeks before LTD IB date
Calculation of partial payments
Up to 2 bus days after receiving pay stubs
Where can EE’s find a list of LTD check dates
Mybenefits website
What does an offset labeled as “Cyclical Adjustment” mean in the pay screen?
That pru is taking part of their LTD payment and putting it towards an OP that they owe back
SRS
Self Reported Symptoms
What changes about the definition of disability for LTD after 2 years of benefits
It goes from Own Occupation to Any Gainful Occupation
Internal File Review
within 2 weeks
Where do you find in PDR if the first check is issued to the ER instead of the EE?
PDR Offsets tab
Why might a claimant be upset about the first month that their LTD is offset for SSDB
LTD pays for the current month and SSDB pays a month in arrears so the first month the that SSDB offset if applied to their LTD payment they may have to wait until the next month to actually receive the SSDB portion
A/O & G/O
Any Occ & Gainful Occ
Why might an EE’s first LTD payment have an offset for A&S Salary Continuation?
Overlap from STD to LTD
External File Review
defer to DCM
What are two payments that an EE’s survivor may be eligible to receive if they pass away while receiving LTD benefits?
LDL and Survivor Ben.
Explain FSSDB and how it can affect the SS offset on LTD payments?
Family SSDB where EE’s may be elig for additional benefits if they have children under age 18 or still a full time student in a primary or secondary school